# EDGAR Filing Document

**Accession Number:** 0000807641
**File Stem:** 0000929638-26-001397
**Filing Date:** 2026-4
**Character Count:** 1471964
**Document Hash:** 4128430fd06bacc40d07619c7d0fd93d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-26-001397.hdr.sgml**: 20260402

**ACCESSION NUMBER**: 0000929638-26-001397

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

**PUBLIC DOCUMENT COUNT**: 24

**CONFORMED PERIOD OF REPORT**: 20260402

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

**FILED AS OF DATE**: 20260402

**DATE AS OF CHANGE**: 20260402

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GS MORTGAGE SECURITIES CORP
- **CENTRAL INDEX KEY:** 0000807641
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01949
- **FILM NUMBER:** 26834645

**BUSINESS ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004
- **BUSINESS PHONE:** 212-357-8721

**MAIL ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GS MORTGAGE SECURITIES CORP
- **CENTRAL INDEX KEY:** 0000807641
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004
- **BUSINESS PHONE:** 212-357-8721

**MAIL ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004

#### UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549

#### FORM ABS-15G<br> ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934
Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

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

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

<u> <br> </u> <br> Name and telephone number, including area code, of the person to contact in connection with this filing.

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

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

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

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

Central Index Key Number of depositor: <u>0000807641</u>

<u> GS Mortgage-Backed Securities Trust 2026-PJ6 </u> <br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity:

<u> Carla Schriver, (212) 902-3513 </u> <br> Name and telephone number, including area code, of the person to<br> contact in connection with this filing.

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#### INFORMATION TO BE INCLUDED IN THE REPORT

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

---

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

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

Dated: April 2, 2026

---

| | |
|:---|:---|
| GS Mortgage Securities Corp. | GS Mortgage Securities Corp. |
| (Depositor) | (Depositor) |
| By:  | <u>/s/ Carla Schriver&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u> |
|  | Name: Carla Schriver |
|  | Title: Managing Director |

---

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#### EXHIBIT INDEX
<u>Exhibit Number</u>

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| | |
|:---|:---|
| 99.1 | Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC |
|  | Schedule 1 – Executive Summary/Narrative |
|  | Schedule 2 – Rating Agency Grades |
|  | Schedule 3 – Exception Grades |
|  | Schedule 4 – Valuation Summary |
|  | Schedule 5 – Supplemental Data |
|  | Schedule 6 – Data Compare Summary Report |
| 99.2 | Disclosures required by Rule 15Ga-2 for Opus Capital Markets Consultants, LLC |
|  | Schedule 1 – Executive Summary/Narrative |
|  | Schedule 2 – Rating Agency Grades |
|  | Schedule 3 – ATR OR QM Report |
|  | Schedule 4 – Supplemental Data Extract |
|  | Schedule 5 – Valuation Report |
|  | Schedule 6 – Data Compare Report |
|  | Schedule 7 – Standard Findings Report |
| 99.3 | Disclosures required by Rule 15Ga-2 for Consolidated Analytics, Inc. |
|  | Schedule 1 - Execution Summary |
|  | Schedule 2 - Exception Standard Report |
|  | Schedule 3 - GS Securitization Report |
|  | Schedule 4 - GS Supplemental Report |
|  | Schedule 5 - Data Compare Report |
|  | Schedule 6 - Valuation Report |

---

## Exhibit 99.1

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#### EXECUTIVE SUMMARY

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

AMC Diligence, LLC ("AMC") performed certain due diligence services described below on conforming and non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of Goldman Sachs Mortgage Company ("Client") during multiple transactions from September 2025 to March 2026 via files imaged and provided by Goldman Sachs Mortgage Company (the "Review").

The loans in the Review carried origination dates between August 2025 and March 2026.

(2) Sample size of the assets reviewed.

The Review was conducted on two hundred fifty-four (254) mortgage loans with an aggregate original principal balance of approximately $328.169 million. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the portion of the securitization population reviewed by AMC.

(3) Determination of the sample size and computation.

AMC is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by AMC.

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

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

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| | | | | |
|:---|:---|:---|:---|:---|
| # of Units | City | Margin | Original Loan Amount | Property Type |
| Amortization Type | Contract Sales Price | Maturity Date | Original LTV | Purpose |
| Appraised Value | First Payment Date | MERS Min Number | Original Term | Refi Purpose |
| Balloon Flag | Investor: Qualifying Total Debt Ratio | Note Date | Originator Application Date | Representative FICO |
| Borrower First Name | Lender | Occupancy | Originator Loan Designation | State |
| Borrower Last Name | Lien Position | Original CLTV | PITIA Reserves Months | Street |
| Borrower SSN | LTV Valuation Value | Original Interest Rate | Product Description | Zip |

---

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

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

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

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

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(i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

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

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items 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 a DU/LP form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP in the file contained data that matched the data gathered from documents in the file. All mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and the 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 (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

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

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

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

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

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

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

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

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

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

If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in AMC's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

AMC also considered processes that included Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's

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day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty threshold test; and

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

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

<br> i) APR threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

**

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

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

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

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

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For the 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 is reflected in the reports.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(X) Recording Review

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

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

(XI) FIRREA Review<br>

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

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

(XII) Document Review

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

<br> ◾ Initial application (1003);

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

<br> ◾ Credit report;

<br> ◾ Income and employment documentation;

<br> ◾ 4506T;

<br> ◾ Asset documentation;

<br> ◾ Sales contract;

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

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

<br> ◾ Appraisal;

<br> ◾ Title/Preliminary Title;

<br> ◾ Final 1003;

<br> ◾ Changed circumstance documentation;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Note;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ Subordination Agreement;

<br> ◾ FACTA disclosures;

<br> ◾ Notice of Special Flood Hazards;

<br> ◾ Initial and final GFE's;

<br> ◾ HUD from sale of previous residence;

<br> ◾ Final HUD-1;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

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

(8) Other: review and methodology.

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

(9) Disclaimer.

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

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

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

#### SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW
The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Kroll Bond Rating Agency, LLC ("Kroll") and Moody's Investors Service, Inc. ("Moody's").

#### OVERALL REVIEW RESULTS SUMMARY
There were two hundred fifty-four (254) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable DBRS, Fitch, Kroll and Moody's NRSRO grading criteria one hundred sixty-seven (167) (65.75%) had an Overall grade of "A", eighty-seven (87) (34.25%) had an Overall grade of "B", and no loans had exceptions that generated an Overall grade of "C" or "D".

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| **NRSRO Grade (Fitch, Kroll, Moody's, DBRS)** | **# of Loans** | **Percentage of Loans** |
| A | 167 | 65.75% |
| B | 87 | 34.25% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### CREDIT REVIEW RESULTS SUMMARY
Two hundred thirteen (213) (83.86%) mortgage loans of the total received an "A" Credit Review grade. The forty-one (41) (16.14%) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

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| **NRSRO Grade (Fitch, Kroll, Moody's, DBRS)** | **# of Loans** | **Percentage of Loans** |
| A | 213 | 83.86% |
| B | 41 | 16.14% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### COMPLIANCE REVIEW RESULTS SUMMARY
Under the applicable DBRS, Fitch, Kroll and Moody's NRSRO grading criteria two hundred one (201) (79.13%) had a Compliance Review grade of "A" and fifty-three (53) (20.87%) had a Compliance Review grade of "B". Loans with a Compliance Review grade of "B" may have multiple compliance exceptions (see exception detail below); however, none are lower than a grade of "B".

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| **NRSRO Grade (Fitch, Kroll, Moody's, DBRS)** | **# of Loans** | **Percentage of Loans** |
| A | 201 | 79.13% |
| B | 53 | 20.87% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### PROPERTY/VALUATION REVIEW RESULTS SUMMARY
Under the applicable DBRS, Fitch, Kroll and Moody's NRSRO grading criteria all two hundred fifty-four (254) (100.00%) loans had a Property/Valuation grade of "A". None of the loans are lower than a grade of "A."

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| **NRSRO Grade (Fitch, Kroll, Moody's, DBRS)** | **# of Loans** | **Percentage of Loans** |
| A | 254 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

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#### REVIEW EXCEPTION SUMMARY (254 Mortgage Loans)
The summaries below detail the exceptions from the Compliance, Credit and Property Reviews that would have resulted in a "B", "C", or "D" grade for a given mortgage loan under the DBRS, Fitch, Kroll and Moody's grading criteria. Please note that exception grades of EV1, EV2, and EV3 may not result in a corresponding "B", "C", or "D" grade per relevant rating agency guidelines due to considerations including statute of limitations and specific characteristics of ratings by a given NRSRO. Also note that some mortgage loans may have multiple exceptions and, as a result, may have an exception or multiple exceptions in any one exception category.

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| **Exception Type** | **Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | B | ECOA | 36 |
| Compliance | B | TRID Defect | 26 |
| Compliance | B | Misc. State Level | 4 |
| Compliance | B | RESPA | 3 |
| Compliance | B | Missing Non-Required Data | 3 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 2 |
| Compliance | B | TRID | 1 |
| Compliance | B | ATR/QM Defect | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***76*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **76** |

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| Credit | B | Title | 41 |
| Credit | B | Guideline | 2 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***43*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **43** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **0** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **119** |

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#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the two hundred fifty-four (254) mortgage loans reviewed, forty-four (44) of the mortgage loans had fifty-two (52) tape discrepancies across four (4) data fields.

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| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 0 | 46 | 0.00% | 254 |
| Amortization Type | 0 | 44 | 0.00% | 254 |
| Appraised Value | 0 | 44 | 0.00% | 254 |
| Balloon Flag | 0 | 210 | 0.00% | 254 |
| Borrower First Name | 0 | 210 | 0.00% | 254 |
| Borrower Last Name | 0 | 210 | 0.00% | 254 |
| Borrower SSN | 0 | 210 | 0.00% | 254 |
| City | 0 | 254 | 0.00% | 254 |
| Contract Sales Price | 0 | 1 | 0.00% | 254 |
| First Payment Date | 0 | 2 | 0.00% | 254 |
| Investor: Qualifying Total Debt Ratio | 2 | 254 | 0.79% | 254 |
| Lender | 0 | 210 | 0.00% | 254 |
| Lien Position | 0 | 2 | 0.00% | 254 |
| LTV Valuation Value | 0 | 2 | 0.00% | 254 |
| Margin | 0 | 2 | 0.00% | 254 |
| Maturity Date | 44 | 46 | 95.65% | 254 |
| MERS Min Number | 0 | 2 | 0.00% | 254 |
| Note Date | 5 | 44 | 11.36% | 254 |
| Occupancy | 0 | 254 | 0.00% | 254 |
| Original CLTV | 0 | 254 | 0.00% | 254 |
| Original Interest Rate | 0 | 247 | 0.00% | 254 |
| Original Loan Amount | 1 | 254 | 0.39% | 254 |
| Original LTV | 0 | 254 | 0.00% | 254 |
| Original Term | 0 | 46 | 0.00% | 254 |
| Originator Application Date | 0 | 37 | 0.00% | 254 |
| Originator Loan Designation | 0 | 210 | 0.00% | 254 |
| PITIA Reserves Months | 0 | 81 | 0.00% | 254 |
| Product Description | 0 | 210 | 0.00% | 254 |
| Property Type | 0 | 254 | 0.00% | 254 |
| Purpose | 0 | 254 | 0.00% | 254 |
| Refi Purpose | 0 | 13 | 0.00% | 254 |

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| Representative FICO | 0 | 254 | 0.00% | 254 |
| State | 0 | 254 | 0.00% | 254 |
| Street | 0 | 210 | 0.00% | 254 |
| Zip | 0 | 254 | 0.00% | 254 |
| **Total** | **52** | **5133** | **1.01%** | **254** |

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#### ADDITIONAL LOAN POPULATION SUMMARY\*

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| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Fixed | 254 | 100.00% | $328169096.00 | 100.00% |
| **Total** | **254** | **100.00%** | **$328169096.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 254 | 100.00% | $328169096.00 | 100.00% |
| **Total** | **254** | **100.00%** | **$328169096.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 26 | 10.24% | $33660294.00 | 10.26% |
| First Time Home Purchase | 19 | 7.48% | $20498148.00 | 6.25% |
| Other-than-first-time Home Purchase | 128 | 50.39% | $165604217.00 | 50.46% |
| Rate/Term Refinance - Borrower Initiated | 81 | 31.89% | $108406437.00 | 33.03% |
| **Total** | **254** | **100.00%** | **$328169096.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 121-180 Months | 1 | 0.39% | $1118000.00 | 0.34% |
| 241-360 Months | 253 | 99.61% | $327051096.00 | 99.66% |
| **Total** | **254** | **100.00%** | **$328169096.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 147 | 57.87% | $199141871.00 | 60.68% |
| Condo, Low Rise | 11 | 4.33% | $10520219.00 | 3.21% |
| Condo, High Rise | 3 | 1.18% | $3858000.00 | 1.18% |
| PUD | 86 | 33.86% | $106468317.00 | 32.44% |
| Townhouse | 5 | 1.97% | $5156689.00 | 1.57% |
| 1 Family Attached | 1 | 0.39% | $940000.00 | 0.29% |
| 3 Family | 1 | 0.39% | $2084000.00 | 0.64% |
| **Total** | **254** | **100.00%** | **$328169096.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 217 | 85.43% | $289771516.00 | 88.30% |

---

14 \| P a g e

------

![](amc_logo.gif)

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| Second Home | 37 | 14.57% | $38397580.00 | 11.70% |
| **Total** | **254** | **100.00%** | **$328169096.00** | **100.00%** |
| **TPR Loan Designation** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Safe Harbor QM (APOR) | 254 | 100.00% | $328169096.00 | 100.00% |
| **Total** | **254** | **100.00%** | **$328169096.00** | **100.00%** |

---

\*Tables may not add to 100% due to rounding.

15 \| P a g e

## Exhibit 99.1

![](situs_logo.jpg)

#### Rating Agency Grades

#### Run Date - 3/31/2026 5:45:55 PM

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Deal Number** | **Original Loan Amount** |
| [redacted] | [redacted] | [redacted] | [redacted] | 66505537 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 60430719 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 62098630 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62640350 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 60699338 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63177662 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 63900722 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64936179 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 61002802 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66829104 |  | A<br> D |
| [redacted] | [redacted] | [redacted] | [redacted] | 68730022 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64663121 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 61379576 |  | C<br> D<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 69100443 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 62537430 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 69989656 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 61542397 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 69572361 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 68559516 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 66717922 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60933256 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 60103090 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 66621660 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63660787 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 65450762 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64182247 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62889016 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66235715 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 61720189 |  | D<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66915495 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62621967 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 65122780 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63796544 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 62557785 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 62797896 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 68099324 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66782640 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 65329197 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 65989754 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 66766777 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 69647585 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 61030507 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 69066614 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62675458 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63950111 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 69039811 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 65291710 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68621450 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60971701 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 63732347 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 67243612 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 61868484 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 66397145 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63251272 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68746181 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68545331 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 68111751 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 69841766 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63791833 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62220756 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 65488278 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 60059301 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 63641914 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63003003 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63221908 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60651657 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68531717 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 67340919 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 67665981 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 67747653 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66178532 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60868527 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 61048975 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 64604511 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60881151 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 69137024 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63234391 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63497682 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66963285 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62482871 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 69965261 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 64264717 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 61849726 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68025863 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 69279085 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 65264542 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63278846 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 60391528 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64980108 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 63594647 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 62087037 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68325073 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60148838 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64150264 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66690265 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 65065213 |  | D<br> C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 69398794 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 65950515 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62198194 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66945578 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 66812554 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 63260899 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60859891 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62240448 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62200626 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60440129 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 64605964 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 65169398 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63013060 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68177039 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 69978512 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 69027785 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68359438 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68682853 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63834181 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 66848153 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 69515751 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68591687 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63446543 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 67606493 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 61327794 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66693862 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64772164 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 66482723 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 65827486 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66725683 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66482458 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 69425219 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 65633404 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66553284 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62905379 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63448955 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62775058 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60009803 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64575316 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60568149 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 65774243 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 65397542 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 67605331 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 65321881 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 66606090 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 61579747 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 65483560 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63495225 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 65938789 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 65456988 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 61213080 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 67637745 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63266390 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66093091 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63596364 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63212900 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 67231016 |  | A<br> C<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 62130903 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 65517979 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63996294 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66414410 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 67061124 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63681024 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64715674 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60880622 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63103538 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60994411 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62726094 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62134511 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68197695 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 67256692 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 69276724 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 62895656 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 60620817 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 67847433 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63045962 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68330488 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 62970311 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68849676 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 63964907 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 69513521 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 60576489 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 64628759 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68041967 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 68452970 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 65100803 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 68192486 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64713282 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 64348453 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62209981 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60464897 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68608268 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 65744474 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63111164 |  | A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 62075262 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64882831 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66690528 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 65323423 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 69311027 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64203740 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 67063980 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 65583630 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 61269320 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63243490 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60562368 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 61614363 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62112448 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64593644 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 67456039 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 65351872 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68648438 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60905564 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 67979964 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66478254 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 61359294 |  | C<br> B<br> D<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60842587 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66356689 |  | B<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64367899 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66644146 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 67961348 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 67734744 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 64812033 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 69918749 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 69923607 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66502061 |  | D<br> C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63340457 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970730 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 64212143 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68398393 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64271335 |  | D<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68693922 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62061440 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64964463 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62462549 |  | B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 67822315 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66436164 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 68236480 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64591965 |  | C<br> B<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 61205025 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 68619044 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 61699743 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63042746 |  | C<br> A<br> B |
| [redacted] | [redacted] | [redacted] | [redacted] | 68972240 |  | C<br> A<br> D |
| [redacted] | [redacted] | [redacted] | [redacted] | 66230589 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64947364 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 63476143 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 62129201 |  | C<br> A<br> D |
| [redacted] | [redacted] | [redacted] | [redacted] | 60790564 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 67762457 |  | A<br> D |
| [redacted] | [redacted] | [redacted] | [redacted] | 68993173 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 69063734 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66704977 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 66946470 |  | A<br> C |
| [redacted] | [redacted] | [redacted] | [redacted] | 62138988 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 67668382 |  | C<br> A |
| [redacted] | [redacted] | [redacted] | [redacted] | 67435240 |  | A |
| [redacted] | [redacted] | [redacted] | [redacted] | 64610197 |  | A |

---

## Exhibit 99.1

![](situs_logo.jpg)

#### Exception Grades

#### Run Date - 3/31/2026 5:45:56 PM

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [redacted] | [redacted] | [redacted] | [redacted] | 66505537 | 34401147 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 09/11/2025 | 2<br> B |  | MT | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66505537 | 34401148 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-10): XXXXX<br>|  | 09/10/2025 |  | 1<br> A |  | MT | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60430719 | 34358156 |  | 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 XX/XX/XX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | Final Closing Disclosure provided on XX/XX/XX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-01): XXXXX<br>Reviewer Comment (2025-09-24): XXXXX<br>Reviewer Comment (2025-09-15): XXXXX<br>|  | 10/08/2025 |  | 2<br> C<br> B |  | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60430719 | 34358157 |  | 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 XX/XX/XX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Final Closing Disclosure provided on XX/XX/XX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. |  |  |  | Reviewer Comment (2025-10-08): XXXXX<br>Reviewer Comment (2025-10-01): XXXXX<br>Reviewer Comment (2025-09-24): XXXXX<br>|  | 10/08/2025 |  | 2<br> C<br> B |  | WA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62640350 | 34348384 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/XX/XX) |  |  |  | Reviewer Comment (2025-09-10): XXXXX<br>Seller Comment (2025-09-09): XXXXX<br>| 09/10/2025 |  |  | 1<br> C<br> A |  | NY | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62640350 | 34348386 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-09-03): XXXXX<br>|  | 09/03/2025 |  | 1<br> A |  | NY | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 63177662 | 34684074 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/13/2025 | 2<br> B |  | MA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64936179 | 34651238 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 10/09/2025 | 2<br> B |  | GA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61002802 | 34677254 |  | 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 LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2025-10-15): XXXXX<br>Seller Comment (2025-10-13): XXXXX<br>| 10/15/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61002802 | 34677255 |  | 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 Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $92.70, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-15): XXXXX<br>Seller Comment (2025-10-14): XXXXX<br>| 10/15/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 61002802 | 34677266 |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-10-24): XXXXX<br>Seller Comment (2025-10-21): XXXXX<br>| 10/24/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61002802 | 34728179 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2025-10-15): XXXXX<br>|  | 10/15/2025 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66829104 | 34836826 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | CU score is 3.1 which is greater than 2.5. XXXXX is required and was not provided. |  |  |  | Reviewer Comment (2025-09-16): XXXXX<br>Buyer Comment (2025-09-12): XXXXX<br>| 09/16/2025 |  |  | 1<br> D<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68730022 | 34836915 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS is missing in file, require DU/LPA Approve/Accept Eligible or DU/LPA Approve/Accept Ineligible Due Only to Loan Amount as per guide. 1008 states manual underwrite |  |  |  | Reviewer Comment (2025-09-15): XXXXX<br>Buyer Comment (2025-09-12): XXXXX<br>| 09/15/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61379576 | 35237408 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-12-19): XXXXX<br>Seller Comment (2025-12-18): XXXXX<br>| 12/19/2025 |  |  | 1<br> D<br> A |  | AZ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61379576 | 35237433 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing the XXXXX K1 and 1120S. |  |  |  | Reviewer Comment (2025-12-19): XXXXX<br>Seller Comment (2025-12-18): XXXXX<br>| 12/19/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61379576 | 35237491 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank XXXXX): Unable to verify S-Corp income using reasonably reliable third-party records. | The file is missing the verbal verification of employment obtained within ten business days of closing. |  |  |  | Reviewer Comment (2025-12-19): XXXXX<br>Seller Comment (2025-12-18): XXXXX<br>| 12/19/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61379576 | 35237492 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank XXXXX): Based on the loan failing one or more guideline components, the loan is at ATR risk. |): Based on the loan failing one or more guideline components, the loan is at ATR risk. |  |  |  | Reviewer Comment (2025-12-19): XXXXX<br>Seller Comment (2025-12-18): XXXXX<br>| 12/19/2025 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61379576 | 35237493 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-12-19): XXXXX<br>| 12/19/2025 |  |  | 1<br> A |  | AZ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61379576 | 35237494 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-01-13): XXXXX<br>Reviewer Comment (2026-01-06): XXXXX<br>Seller Comment (2025-12-29): XXXXX<br>Reviewer Comment (2025-12-26): XXXXX<br>Seller Comment (2025-12-18): XXXXX<br>| 01/13/2026 |  |  | 1<br> B<br> A<br> C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 61379576 | 35237495 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 4.72239% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXX or 1.72239%). | QM Points and Fees threshold exceeded by $XXX or 1.72239%%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations. |  |  |  | Reviewer Comment (2026-01-13): XXXXX<br>Reviewer Comment (2026-01-06): XXXXX<br>Seller Comment (2026-01-04): XXXXX<br>Seller Comment (2025-12-29): XXXXX<br>| 01/13/2026 |  |  | 1<br> C<br> A |  | AZ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61379576 | 35237496 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  | Reviewer Comment (2025-12-22): XXXXX<br>|  |  | 12/22/2025 | 2<br> B |  | AZ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69100443 | 35173577 |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | XXXXX Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | Borrower not provided First Lien Refinance Notice. |  |  |  | Reviewer Comment (2025-12-16): XXXXX<br>|  |  | 12/16/2025 | 2<br> B |  | CO | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69100443 | 35173578 |  | 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 XX/XX/XX 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 XXXXX result in additional fee tolerance violations. | Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. |  |  |  | Reviewer Comment (2025-12-30): XXXXX<br>Seller Comment (2025-12-29): XXXXX<br>| 12/30/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69100443 | 35173579 |  | 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 Verification Of Income Fee. Fee Amount of $5.00 exceeds tolerance of $0.00. $5.00 over legal limit. Insufficient or no cure was provided to the borrower. | Verification Of Income Fee was last disclosed as $0.00 on LE but disclosed as $5.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. |  |  |  | Reviewer Comment (2025-12-30): XXXXX<br>Seller Comment (2025-12-29): XXXXX<br>| 12/30/2025 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62537430 | 35315463 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 12/31/2025 | 2<br> B |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62537430 | 35315465 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee. as $00.00 on LE but disclosed as $125.00. on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $125.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-29): XXXXX<br>|  | 12/29/2025 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62537430 | 35315466 |  | 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 $205.67 exceeds tolerance of $195.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report fee last disclosed as $195.00 on LE but disclosed as $205.67 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include 10.67 , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-12-29): XXXXX<br>|  | 12/29/2025 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 69989656 | 35356280 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-01-27): XXXXX<br>|  |  | 01/12/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61542397 | 35185913 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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 $XXX is under disclosed by $100.80 compared to the calculated Finance Charge of $XXX which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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 $XXX is under disclosed by $100.80 compared to the calculated Finance Charge of $XXX which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX) |  |  |  | Reviewer Comment (2026-02-27): XXXXX<br>Seller Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-20): XXXXX<br>Seller Comment (2026-02-19): XXXXX<br>Reviewer Comment (2026-01-26): XXXXX<br>Seller Comment (2026-01-23): XXXXX<br>Reviewer Comment (2026-01-21): XXXXX<br>Seller Comment (2026-01-19): XXXXX<br>Reviewer Comment (2026-01-14): XXXXX<br>Seller Comment (2026-01-13): XXXXX<br>Reviewer Comment (2026-01-08): XXXXX<br>Seller Comment (2026-01-07): XXXXX<br>| 02/27/2026 |  |  | 1<br> C<br> A |  | CO | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 61542397 | 35185914 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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 XX/XX/XX). The disclosed Total of Payments in the amount of $XXX is under disclosed by $100.80 compared to the calculated total of payments of $XXX which exceeds the $100.00 threshold. | Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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 XX/XX/XX) |  |  |  | Reviewer Comment (2026-02-27): XXXXX<br>Seller Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-20): XXXXX<br>Seller Comment (2026-02-19): XXXXX<br>Reviewer Comment (2026-01-26): XXXXX<br>Seller Comment (2026-01-23): XXXXX<br>Reviewer Comment (2026-01-21): XXXXX<br>Seller Comment (2026-01-19): XXXXX<br>Reviewer Comment (2026-01-14): XXXXX<br>Seller Comment (2026-01-13): XXXXX<br>Reviewer Comment (2026-01-08): XXXXX<br>Seller Comment (2026-01-07): XXXXX<br>| 02/27/2026 |  |  | 1<br> C<br> A |  | CO | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 61542397 | 35185915 |  | 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. | Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. |  |  |  | Reviewer Comment (2026-02-27): XXXXX<br>| 02/27/2026 |  |  | 1<br> A |  | CO | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 61542397 | 35185916 |  | 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 $96.00 exceeds tolerance of $86.00 plus 10% or $94.60. $1.40 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $1.40 due to increase of Title - Recording Service Fee,. cure is provided |  |  |  | Reviewer Comment (2026-01-08): XXXXX<br>Seller Comment (2026-01-07): XXXXX<br>Reviewer Comment (2025-12-15): XXXXX<br>Seller Comment (2025-12-12): XXXXX<br>| 01/08/2026 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 61542397 | 35185948 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $100.80 compared to the calculated Amount Financed of $XXX 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 XX/XX/XX). | Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXX is over disclosed by $100.80 compared to the calculated Amount Financed of $XXX 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 XX/XX/XX) |  |  |  | Reviewer Comment (2026-02-27): XXXXX<br>Seller Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-20): XXXXX<br>Seller Comment (2026-02-19): XXXXX<br>Reviewer Comment (2026-01-26): XXXXX<br>Seller Comment (2026-01-23): XXXXX<br>Reviewer Comment (2026-01-21): XXXXX<br>Seller Comment (2026-01-19): XXXXX<br>Reviewer Comment (2026-01-14): XXXXX<br>Seller Comment (2026-01-13): XXXXX<br>Reviewer Comment (2026-01-08): XXXXX<br>Seller Comment (2026-01-07): XXXXX<br>| 02/27/2026 |  |  | 1<br> C<br> A |  | CO | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 69572361 | 35628734 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  |  |  | Reviewer Comment (2026-02-04): XXXXX<br>|  |  | 02/04/2026 | 2<br> B |  | NH | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69572361 | 35628735 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 01/29/2026 | 2<br> B |  | NH | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69572361 | 35628737 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank XXXXX): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The file was missing proof the disclosure was provided to the borrower(s) within 3 days of the application date. |  |  |  |  |  |  | 01/29/2026 | 2<br> B |  | NH | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69572361 | 35628738 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2026-02-24): XXXXX<br>| 02/24/2026 |  |  | 1<br> C<br> A |  | NH | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68559516 | 35309184 |  | 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 $XXX exceeds tolerance of $XXX plus 10% or $XXX. $XXX over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $XXX due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-02-10): XXXXX<br>Seller Comment (2026-02-10): XXXXX<br>Reviewer Comment (2026-02-05): XXXXX<br>Seller Comment (2026-02-05): XXXXX<br>Reviewer Comment (2026-02-04): XXXXX<br>Seller Comment (2026-02-03): XXXXX<br>| 02/10/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60933256 | 35320341 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file was missing a copy of the K-1 (XXXXX), K-1 (XXXXX) for the business XXXXX. |  |  |  | Reviewer Comment (2026-01-07): XXXXX<br>Seller Comment (2026-01-06): XXXXX<br>| 01/07/2026 |  |  | 1<br> C<br> A |  | MI | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60933256 | 35320362 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-01-07): XXXXX<br>Seller Comment (2026-01-06): XXXXX<br>| 01/07/2026 |  |  | 1<br> B<br> A<br> C |  | MI | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60933256 | 35320363 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. |  |  |  |  | Reviewer Comment (2026-01-07): XXXXX<br>Seller Comment (2026-01-06): XXXXX<br>| 01/07/2026 |  |  | 1<br> C<br> A |  | MI | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60933256 | 35320364 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2026-01-07): XXXXX<br>Seller Comment (2026-01-06): XXXXX<br>| 01/07/2026 |  |  | 1<br> C<br> A |  | MI | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60933256 | 35320365 |  | 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 XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The file is missing the XXXXX personal and business tax returns. Full business returns for the years XXXXX and XXXXX were not provided. There is no evidence of tax return extension provided for the business. |  |  |  |  |  |  | 01/02/2026 | 2<br> B |  | MI | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60103090 | 35637971 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2026-02-18): XXXXX<br>| 02/18/2026 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60103090 | 35637972 |  | 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 $680.00 exceeds tolerance of $545.00 plus 10% or $599.50. $80.50 over legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $680.00 exceeds tolerance of $545.00 plus 10% or $599.50. $80.50 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-02-27): XXXXX<br>|  | 02/27/2026 |  | 2<br> C<br> B |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 63660787 | 35161433 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  |  |  |  |  | Reviewer Comment (2025-10-21): XXXXX<br>Buyer Comment (2025-10-21): XXXXX<br>| 10/21/2025 |  |  | 1<br> C<br> A |  | SC | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63660787 | 35161435 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | The Desk Review or Field Review effective date does not match the Appraisals effective date. |  |  |  | Reviewer Comment (2025-10-31): XXXXX<br>Buyer Comment (2025-10-30): XXXXX<br>| 10/31/2025 |  |  | 1<br> C<br> A |  | SC | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63660787 | 35161436 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification not provided for XXXXX: |  |  |  | Reviewer Comment (2025-10-21): XXXXX<br>Buyer Comment (2025-10-21): XXXXX<br>| 10/21/2025 |  |  | 1<br> C<br> A |  | SC | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63660787 | 35161437 |  | 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. | Rate Lock Agreement not provided. |  |  |  | Reviewer Comment (2025-10-21): XXXXX<br>Buyer Comment (2025-10-21): XXXXX<br>| 10/21/2025 |  |  | 1<br> B<br> A |  | SC | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63660787 | 35161438 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk, due to the DTI being > 50%. |  |  |  | Reviewer Comment (2025-10-27): XXXXX<br>Buyer Comment (2025-10-24): XXXXX<br>| 10/27/2025 |  |  | 1<br> B<br> A<br> C |  | SC | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 63660787 | 35161439 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 55.90576% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Calculated income is $16,084.98 which is less than the income on the AUS of $20,061.38. Missing evidence of B2 Pension income in the amount of $13,671.38. Review documented 2 pensions totaling $9,694.98. |  |  |  | Reviewer Comment (2025-10-27): XXXXX<br>Buyer Comment (2025-10-24): XXXXX<br>| 10/27/2025 |  |  | 1<br> C<br> A |  | SC | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63660787 | 35161440 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Disclosure was provided at closing. |  |  |  | Reviewer Comment (2025-10-22): XXXXX<br>Buyer Comment (2025-10-21): XXXXX<br>| 10/22/2025 |  |  | 1<br> B<br> A |  | SC | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63660787 | 35161443 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Investor qualifying total debt ratio of 55.90576% exceeds Guideline total debt ratio of 50.00000% due to Income mismatch |  |  |  | Reviewer Comment (2025-10-27): XXXXX<br>Buyer Comment (2025-10-24): XXXXX<br>| 10/27/2025 |  |  | 1<br> C<br> A |  | SC | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63660787 | 35161446 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | DTI exceeds guideline |  |  |  | Reviewer Comment (2025-10-27): XXXXX<br>Buyer Comment (2025-10-24): XXXXX<br>| 10/27/2025 |  |  | 1<br> C<br> A |  | SC | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63660787 | 35161447 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | SECONDARY - Missing evidence the XXXXX was provided to the borrower three (3) days prior to consummation. |  |  |  | Buyer Comment (2025-10-21): XXXXX<br>|  |  | 10/21/2025 | 2<br> B |  | SC | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63660787 | 35161448 |  | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (No Tangible Net Benefit) | XXXXX Home Loan: Mortgage loan refinanced within 42 months of previous loan without a tangible net benefit to borrower. | Borrower is switching from an ARM to a Fixed Rate per Note in file. |  |  |  | Reviewer Comment (2025-10-28): XXXXX<br>Buyer Comment (2025-10-24): XXXXX<br>Reviewer Comment (2025-10-23): XXXXX<br>Buyer Comment (2025-10-21): XXXXX<br>| 10/28/2025 |  |  | 1<br> C<br> A |  | SC | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63660787 | 35161449 |  | 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 Loan Discount Points. Fee Amount of $16,517.16 exceeds tolerance of $15,245.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient Cure at closing |  |  |  | Reviewer Comment (2025-10-17): XXXXX<br>|  | 10/17/2025 |  | 1<br> A |  | SC | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 65450762 | 35161593 |  | 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 Review Fee. Fee Amount of $97.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-03): XXXXX<br>|  | 11/03/2025 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62889016 | 35856352 |  | 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 1, 4, 6, or 11) | 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. (The property state is in the 1st, 4th, 6th, or 11th circuit.) Notice provided on an exempt transaction (no new money being extended on a same lender refinance). | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is the same as originating lender. |  |  |  |  |  |  | 02/24/2026 | 2<br> A |  | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 61720189 | 35304897 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security Instrument not provided in file |  |  |  | Reviewer Comment (2026-01-09): XXXXX<br>| 01/09/2026 |  |  | 1<br> D<br> A |  | NC | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66915495 | 35580509 |  | 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 $240.62 exceeds tolerance of $225.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-20): XXXXX<br>|  | 01/20/2026 |  | 1<br> A |  | WA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66915495 | 35604059 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2026-02-10): XXXXX<br>Reviewer Comment (2026-02-04): XXXXX<br>Seller Comment (2026-02-04): XXXXX<br>Reviewer Comment (2026-02-03): XXXXX<br>Seller Comment (2026-02-03): XXXXX<br>Reviewer Comment (2026-01-29): XXXXX<br>Reviewer Comment (2026-01-28): XXXXX<br>Reviewer Comment (2026-01-26): XXXXX<br>Seller Comment (2026-01-23): XXXXX<br>| 02/10/2026 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66915495 | 35604060 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2026-02-10): XXXXX<br>Seller Comment (2026-02-10): XXXXX<br>Reviewer Comment (2026-02-04): XXXXX<br>Reviewer Comment (2026-02-03): XXXXX<br>Reviewer Comment (2026-01-29): XXXXX<br>Seller Comment (2026-01-29): XXXXX<br>Reviewer Comment (2026-01-28): XXXXX<br>Reviewer Comment (2026-01-26): XXXXX<br>Seller Comment (2026-01-23): XXXXX<br>| 02/10/2026 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65122780 | 35607825 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 01/27/2026 | 2<br> B |  | WA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65122780 | 35607890 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | RTC disclosed incorrect transaction and/or expiration date. |  |  |  | Reviewer Comment (2026-02-02): XXXXX<br>|  | 02/02/2026 |  | 2<br> C<br> B |  | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 63796544 | 35927735 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 03/02/2026 | 2<br> B |  | MI | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62557785 | 35616045 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 01/27/2026 | 2<br> B |  | TN | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62557785 | 35617363 |  | 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 $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-23): XXXXX<br>|  | 01/23/2026 |  | 1<br> A |  | TN | Second Home | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62557785 | 35617394 |  | 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 $306.00 exceeds tolerance of $189.00 plus 10% or $207.90. $98.10 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $189.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $98.10, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-02-10): XXXXX<br>Seller Comment (2026-02-09): XXXXX<br>Reviewer Comment (2026-02-09): XXXXX<br>Seller Comment (2026-02-06): XXXXX<br>Reviewer Comment (2026-02-05): XXXXX<br>Seller Comment (2026-02-04): XXXXX<br>Reviewer Comment (2026-02-02): XXXXX<br>Seller Comment (2026-01-30): XXXXX<br>|  | 02/10/2026 |  | 2<br> C<br> B |  | TN | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62557785 | 35617395 |  | 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 $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee was not disclosed on LE but disclosed as $120.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $120.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-02-02): XXXXX<br>Seller Comment (2026-01-30): XXXXX<br>| 02/02/2026 |  |  | 1<br> C<br> A |  | TN | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62797896 | 35478221 |  | 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 $-4,287.50 exceeds tolerance of $-4,375.00. Insufficient or no cure was provided to the borrower. | Lender Credits was last disclosed as $-4,375.00 on LE but disclosed as $-4,287.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $87.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-02-02): XXXXX<br>Seller Comment (2026-01-30): XXXXX<br>| 02/02/2026 |  |  | 1<br> C<br> A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62797896 | 35478223 |  | 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 $525.00 exceeds tolerance of $476.00 plus 10% or $523.60. $1.40 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $1.40 due to increase of Title fees. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1.40, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-02-05): XXXXX<br>Reviewer Comment (2026-02-02): XXXXX<br>|  | 02/05/2026 |  | 2<br> C<br> B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62797896 | 35478224 |  | 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 $650.00 exceeds tolerance of $0.00. $650.00 over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on LE but disclosed as $650.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $650.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-02-03): XXXXX<br>Seller Comment (2026-02-02): XXXXX<br>| 02/03/2026 |  |  | 1<br> C<br> A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62797896 | 35478233 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification of employment XX/XX/XX is not within 10 business days of the Note for Borrower XXXXX employment. |  |  |  | Reviewer Comment (2026-02-03): XXXXX<br>| 02/03/2026 |  |  | 1<br> C<br> A |  | NY | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68099324 | 35632097 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 01/29/2026 | 2<br> B |  | WA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68099324 | 35632120 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance policy not provided. |  |  |  | Reviewer Comment (2026-02-02): XXXXX<br>| 02/02/2026 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66782640 | 35944217 |  | 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 $-3,720.96 exceeds tolerance of $-4,936.96. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,720.96 exceeds tolerance of $-4,936.96. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-03-06): XXXXX<br>Seller Comment (2026-03-05): XXXXX<br>| 03/06/2026 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 65329197 | 35761783 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/11/2026 | 2<br> B |  | AZ | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65989754 | 35689612 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE - Employment Only missing |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>| 02/12/2026 |  |  | 1<br> C<br> A |  | MA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65989754 | 35689635 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/03/2026 | 2<br> B |  | MA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65989754 | 35689636 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>| 02/12/2026 |  |  | 1<br> B<br> A<br> C |  | MA | Second Home | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 65989754 | 35689638 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>| 02/12/2026 |  |  | 1<br> C<br> A |  | MA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65989754 | 35689713 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within 10 business days of the Note. |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>| 02/12/2026 |  |  | 1<br> C<br> A |  | MA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61030507 | 35487248 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 01/20/2026 | 2<br> B |  | CA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69066614 | 35686533 |  | 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 $28,057.50 exceeds tolerance of $1,180.00. $26,877.50 over legal limit. Insufficient or no cure was provided to the borrower. | Discount Points were last disclosed as $0 on LE but disclosed as $28,057.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $28,057.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-02-05): XXXXX<br>Seller Comment (2026-02-04): XXXXX<br>| 02/05/2026 |  |  | 1<br> C<br> A |  | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 69066614 | 35686534 |  | 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 $85.00 exceeds tolerance of $70.00. $15.00 over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $70.00 on LE but disclosed as $8500 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $15.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-02-05): XXXXX<br>Seller Comment (2026-02-04): XXXXX<br>| 02/05/2026 |  |  | 1<br> C<br> A |  | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 69066614 | 35686586 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $142,025.00. Provide updated policy reflecting minimum coverage of XXXXX. OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-02-06): XXXXX<br>Seller Comment (2026-02-05): XXXXX<br>Reviewer Comment (2026-02-05): XXXXX<br>Seller Comment (2026-02-04): XXXXX<br>| 02/06/2026 |  |  | 1<br> C<br> A |  | NC | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69066614 | 35728041 |  | 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 $85.00 exceeds tolerance of $70.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-02-05): XXXXX<br>|  | 02/05/2026 |  | 1<br> A |  | NC | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62675458 | 35470192 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 01/15/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62675458 | 35470193 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2026-01-21): XXXXX<br>|  |  | 01/21/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62675458 | 35470194 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  | 01/15/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62675458 | 35470319 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | Initial Rate Lock rate date is not documented in file. |  |  |  | Reviewer Comment (2026-02-13): XXXXX<br>| 02/13/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68621450 | 35718353 |  | 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 $905.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $850.00 on LE but disclosed as $905.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $55.00. |  |  |  | Reviewer Comment (2026-02-04): XXXXX<br>|  | 02/04/2026 |  | 1<br> A |  | TX | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60971701 | 35392507 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $201,191.87 is less than Cash From Borrower $204,466.24. |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>Seller Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-24): XXXXX<br>Seller Comment (2026-02-23): XXXXX<br>| 02/26/2026 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60971701 | 35392533 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 01/13/2026 | 2<br> B |  | NV | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60971701 | 35392545 |  | 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 Underwriting Fee. Fee Amount of $1,195.00 exceeds tolerance of $0.00. $1,195.00 over legal limit. Insufficient or no cure was provided to the borrower. | Underwriting Fee. as $00.00 on LE but disclosed as $1195.00. on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. But cure is provided in final CD. |  |  |  | Reviewer Comment (2026-01-20): XXXXX<br>Seller Comment (2026-01-19): XXXXX<br>|  | 01/20/2026 |  | 2<br> C<br> B |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60971701 | 35392546 |  | 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 $4,051.00 exceeds tolerance of $0.00. $4,051.00 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Origination Fee. as $00.00 on LE but disclosed as $4051.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. But cure is provided in final CD. |  |  |  | Reviewer Comment (2026-01-20): XXXXX<br>Seller Comment (2026-01-19): XXXXX<br>|  | 01/20/2026 |  | 2<br> C<br> B |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60971701 | 35392547 |  | 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 $995.00 exceeds tolerance of $0.00. $995.00 over legal limit. Insufficient or no cure was provided to the borrower. | Administration Fee. as $00.00 on LE but disclosed as $995.00. on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. But cure is provided in final CD. |  |  |  | Reviewer Comment (2026-01-20): XXXXX<br>Seller Comment (2026-01-19): XXXXX<br>|  | 01/20/2026 |  | 2<br> C<br> B |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60971701 | 35392548 |  | 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 $680.00 exceeds tolerance of $0.00. $680.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee as $00.00 on LE but disclosed as $680.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. But cure is provided in final CD. |  |  |  | Reviewer Comment (2026-01-15): XXXXX<br>Seller Comment (2026-01-14): XXXXX<br>| 01/15/2026 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 63732347 | 35936971 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  |  | 03/03/2026 | 2<br> B |  | MA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67243612 | 35732047 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/09/2026 | 2<br> B |  | MA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61868484 | 35710652 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/05/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61868484 | 35710906 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/05/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68746181 | 35749902 |  | 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 $250.00 exceeds tolerance of $190.00 plus 10% or $209.00. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee was last disclosed as $209.00 on LE but disclosed as $250.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-06): XXXXX<br>|  | 02/06/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68545331 | 35850501 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/23/2026 | 2<br> B |  | CA | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68545331 | 35850507 |  | 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 $1,250.00 exceeds tolerance of $950.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,250.00 exceeds tolerance of $950.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Seller Comment (2026-03-02): XXXXX<br>|  | 03/03/2026 |  | 2<br> C<br> B |  | CA | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68111751 | 35822429 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | The file was missing a copy of the document require to Confirm Initial Rate Lock Date. |  |  |  | Reviewer Comment (2026-02-27): XXXXX<br>Reviewer Comment (2026-02-23): XXXXX<br>| 02/27/2026 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68111751 | 35822454 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/18/2026 | 2<br> B |  | CO | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68111751 | 35822455 |  | 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 was missing a copy of the document require to Confirm Initial Rate Lock Date. |  |  |  |  |  |  | 02/18/2026 | 2<br> B |  | CO | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68111751 | 35822456 |  | 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 $850.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-16): XXXXX<br>|  | 02/16/2026 |  | 1<br> A |  | CO | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68111751 | 35822457 |  | 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 $255.00 exceeds tolerance of $225.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $255.00 exceeds tolerance of $225.00. Sufficient or excess cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2026-02-16): XXXXX<br>|  | 02/16/2026 |  | 1<br> A |  | CO | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68111751 | 35822458 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $275.00 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $275.00 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-16): XXXXX<br>|  | 02/16/2026 |  | 1<br> A |  | CO | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68111751 | 35822466 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - XXXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are underdisclosed. | Loan Disclosures: Non-Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are under disclosed. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>Reviewer Comment (2026-02-23): XXXXX<br>|  | 02/25/2026 |  | 2<br> C<br> B |  | CO | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62220756 | 35633578 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - |  |  |  |  | Reviewer Comment (2026-02-09): XXXXX<br>Seller Comment (2026-02-06): XXXXX<br>Reviewer Comment (2026-02-06): XXXXX<br>Seller Comment (2026-02-05): XXXXX<br>Reviewer Comment (2026-02-04): XXXXX<br>Seller Comment (2026-02-04): XXXXX<br>Reviewer Comment (2026-02-02): XXXXX<br>Seller Comment (2026-01-30): XXXXX<br>| 02/09/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62220756 | 35633580 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - |  |  |  |  | Reviewer Comment (2026-02-09): XXXXX<br>Seller Comment (2026-02-06): XXXXX<br>Reviewer Comment (2026-02-06): XXXXX<br>Seller Comment (2026-02-05): XXXXX<br>Reviewer Comment (2026-02-04): XXXXX<br>Seller Comment (2026-02-04): XXXXX<br>Reviewer Comment (2026-02-02): XXXXX<br>Seller Comment (2026-01-30): XXXXX<br>| 02/09/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62220756 | 35698485 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-02-09): XXXXX<br>Seller Comment (2026-02-06): XXXXX<br>Seller Comment (2026-02-04): XXXXX<br>| 02/09/2026 |  |  | 1<br> A |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62220756 | 35698486 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-02-09): XXXXX<br>Seller Comment (2026-02-06): XXXXX<br>Seller Comment (2026-02-04): XXXXX<br>| 02/09/2026 |  |  | 1<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62220756 | 35711240 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $498.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure at closing. |  |  |  | Reviewer Comment (2026-02-03): XXXXX<br>|  | 02/03/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 65488278 | 35731298 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $383.56 compared to the calculated Amount Financed of $XXX 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 XX/XX/XX). | Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $383.56 compared to the calculated Amount Financed of $XXX 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 XX/XX/XX. |  |  |  | Reviewer Comment (2026-02-18): XXXXX<br>Seller Comment (2026-02-17): XXXXX<br>Reviewer Comment (2026-02-17): XXXXX<br>Seller Comment (2026-02-14): XXXXX<br>Reviewer Comment (2026-02-13): XXXXX<br>Seller Comment (2026-02-12): XXXXX<br>|  | 02/18/2026 |  | 2<br> C<br> B |  | MA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 65488278 | 35731299 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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 $XXX is under disclosed by $383.56 compared to the calculated Finance Charge of $XXX which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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 $XXX is under disclosed by $383.56 compared to the calculated Finance Charge of $XXX which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX. |  |  |  | Reviewer Comment (2026-02-18): XXXXX<br>Seller Comment (2026-02-17): XXXXX<br>Reviewer Comment (2026-02-17): XXXXX<br>Seller Comment (2026-02-14): XXXXX<br>Reviewer Comment (2026-02-13): XXXXX<br>Seller Comment (2026-02-12): XXXXX<br>|  | 02/18/2026 |  | 2<br> C<br> B |  | MA | Primary | Refinance - Rate/Term | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 65488278 | 35731300 |  | 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. | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form was used, but H-8 should have been used. |  |  |  | Reviewer Comment (2026-02-27): XXXXX<br>Reviewer Comment (2026-02-26): XXXXX<br>Seller Comment (2026-02-24): XXXXX<br>Reviewer Comment (2026-02-19): XXXXX<br>Seller Comment (2026-02-17): XXXXX<br>|  | 02/27/2026 |  | 2<br> C<br> B |  | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60059301 | 35847001 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/23/2026 | 2<br> B |  | CO | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63221908 | 35730547 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/09/2026 | 2<br> B |  | NH | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63221908 | 35730567 |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | The loan is to be securitized and the appraisal certification was not included in the provided valuation. Securitization valuations are required to be FIRREA/USPAP compliant. | - |  |  |  |  | Reviewer Comment (2026-02-11): XXXXX<br>Seller Comment (2026-02-10): XXXXX<br>| 02/11/2026 |  |  | 1<br> C<br> A |  | NH | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63221908 | 35730576 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/09/2026 | 2<br> B |  | NH | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60651657 | 35790445 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/13/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67665981 | 35389352 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 01/09/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67747653 | 35822019 |  | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | XXXXX Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | XXXXX Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>Reviewer Comment (2026-02-19): XXXXX<br>Seller Comment (2026-02-18): XXXXX<br>|  |  | 02/25/2026 | 2<br> B |  | MA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67747653 | 35822061 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2026-02-24): XXXXX<br>Seller Comment (2026-02-24): XXXXX<br>Reviewer Comment (2026-02-19): XXXXX<br>Seller Comment (2026-02-19): XXXXX<br>| 02/24/2026 |  |  | 1<br> C<br> A |  | MA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66178532 | 35363270 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-10): XXXXX<br>|  |  | 01/12/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66178532 | 35363554 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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 XX/XX/XX). The disclosed Total of Payments in the amount of $XXX is under disclosed by $199.91 compared to the calculated total of payments of $XXX which exceeds the $35.00 threshold. | Final Closing Disclosure disclosed a TOP of $XXX; calculated TOP is $XXX. Variance is $199.91. |  |  |  | Reviewer Comment (2026-01-27): XXXXX<br>Seller Comment (2026-01-26): XXXXX<br>Reviewer Comment (2026-01-20): XXXXX<br>Seller Comment (2026-01-16): XXXXX<br>Reviewer Comment (2026-01-14): XXXXX<br>Seller Comment (2026-01-13): XXXXX<br>|  | 01/27/2026 |  | 2<br> C<br> B |  | CA | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60868527 | 35766207 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/12/2026 | 2<br> B |  | SC | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61048975 | 35712575 |  | 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 Verification Fee. Fee Amount of $153.30 exceeds tolerance of $80.00. $73.30 over legal limit. Insufficient or no cure was provided to the borrower. | Verification Fee last disclosed as $80.00 on LE but disclosed as $153.30 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $73.30, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-02-22): XXXXX<br>Seller Comment (2026-02-19): XXXXX<br>Reviewer Comment (2026-02-16): XXXXX<br>Seller Comment (2026-02-12): XXXXX<br>| 02/22/2026 |  |  | 1<br> C<br> A |  | TX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 64604511 | 35804319 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/16/2026 | 2<br> B |  | WA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64604511 | 35804360 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2026-02-17): XXXXX<br>Seller Comment (2026-02-17): XXXXX<br>| 02/17/2026 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60881151 | 35722038 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-04): XXXXX<br>|  | 02/04/2026 |  | 1<br> A |  | NY | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 69137024 | 35850249 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/23/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63497682 | 35807999 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of the HOA Verification document. |  |  |  | Reviewer Comment (2026-02-20): XXXXX<br>Reviewer Comment (2026-02-19): XXXXX<br>Seller Comment (2026-02-19): XXXXX<br>Reviewer Comment (2026-02-18): XXXXX<br>Seller Comment (2026-02-18): XXXXX<br>Reviewer Comment (2026-02-17): XXXXX<br>Seller Comment (2026-02-17): XXXXX<br>| 02/20/2026 |  |  | 1<br> C<br> A |  | WA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66963285 | 35820116 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/18/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69965261 | 35761447 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/11/2026 | 2<br> B |  | TX | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69965261 | 35761448 |  | 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 $314.35 exceeds tolerance of $303.00. $11.35 over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $303.00 on LE but disclosed as $314.35 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $11.35, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-02-13): XXXXX<br>Seller Comment (2026-02-12): XXXXX<br>| 02/13/2026 |  |  | 1<br> C<br> A |  | TX | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 69965261 | 35809904 |  | 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 $314.35 exceeds tolerance of $303.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-13): XXXXX<br>|  | 02/13/2026 |  | 1<br> A |  | TX | Second Home | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 64264717 | 35805291 |  | 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 $172.30 exceeds tolerance of $90.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $172.30 exceeds tolerance of $90.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>|  | 02/12/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 61849726 | 35624972 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $123.60, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-01-26): XXXXX<br>|  | 01/26/2026 |  | 1<br> A |  | AZ | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 61849726 | 35624973 |  | 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 XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Loan was disbursed prior to midnight of third business day after consummation. Lender to re-open recission, provide copy of new right to cancel form, copy of letter of explanation sent to borrower, and proof of delivery. Note: This exception will not be cleared until expiration of new recission period. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>Seller Comment (2026-02-19): XXXXX<br>Reviewer Comment (2026-02-09): XXXXX<br>Seller Comment (2026-02-05): XXXXX<br>Reviewer Comment (2026-02-05): XXXXX<br>Seller Comment (2026-01-29): XXXXX<br>| 02/25/2026 |  |  | 1<br> C<br> A |  | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 61849726 | 35624974 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | RTC disclosed incorrect transaction and/or expiration date. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>Seller Comment (2026-02-19): XXXXX<br>Reviewer Comment (2026-02-09): XXXXX<br>Seller Comment (2026-02-05): XXXXX<br>Reviewer Comment (2026-02-05): XXXXX<br>Seller Comment (2026-01-29): XXXXX<br>| 02/25/2026 |  |  | 1<br> C<br> A |  | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 61849726 | 35624983 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 01/28/2026 | 2<br> B |  | AZ | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68025863 | 35945451 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XX/XX/XX 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 issued on XX/XX/XX 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 (2026-03-06): XXXXX<br>Seller Comment (2026-03-05): XXXXX<br>| 03/06/2026 |  |  | 1<br> C<br> A |  | CO | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69279085 | 35731317 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-02-10): XXXXX<br>Seller Comment (2026-02-10): XXXXX<br>| 02/10/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65264542 | 35751184 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/10/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63278846 | 35905560 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/26/2026 | 2<br> B |  | WA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64980108 | 35721152 |  | 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 Originator Compensation. Fee Amount of $14,945.04 exceeds tolerance of $0.00. $14,945.04 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Originator Compensation Fee was last disclosed as $0.00 on LE but disclosed as $14,945.04 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $14,945.04, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-04): XXXXX<br>Seller Comment (2026-03-03): XXXXX<br>| 03/04/2026 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 63594647 | 35789418 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/13/2026 | 2<br> B |  | NV | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63594647 | 35789485 |  | 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 $825.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $75.00 on LE but disclosed as $825.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $75.00. |  |  |  | Reviewer Comment (2026-02-11): XXXXX<br>|  | 02/11/2026 |  | 1<br> A |  | NV | Second Home | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62087037 | 35768940 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $16,152.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>| 02/26/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68325073 | 35848019 |  | 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 $825.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $825.00 exceeds tolerance of $750.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-19): XXXXX<br>|  | 02/19/2026 |  | 1<br> A |  | CO | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68325073 | 35848020 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing |  |  |  | Reviewer Comment (2026-02-19): XXXXX<br>|  | 02/19/2026 |  | 1<br> A |  | CO | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60148838 | 35905746 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/26/2026 | 2<br> B |  | UT | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66690265 | 35804612 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/16/2026 | 2<br> B |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65065213 | 35761075 |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>| 02/12/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65065213 | 35761082 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>| 02/12/2026 |  |  | 1<br> D<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65065213 | 35761102 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/11/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65065213 | 35794852 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Per loan amount a second appraisal is required and was not provided. |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>| 02/12/2026 |  |  | 1<br> D<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65065213 | 35795133 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | File was submitted with the use of stocks to cover the cash required to close. Per guides, proceeds from liquidated stock, retirement accounts, certificates of deposit, pension or other savings plan. Note: "Penny" stocks are not considered liquid. Ownership of the account must be verified along with Borrower's actual receipt of funds. File is missing proof of liquidation and receipt of funds. |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>Seller Comment (2026-02-12): XXXXX<br>| 02/12/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65065213 | 35795149 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | File was submitted with the use of stocks to cover the reserve requirement. Per guides, proceeds from liquidated stock, retirement accounts, certificates of deposit, pension or other savings plan. Note: "Penny" stocks are not considered liquid. Ownership of the account must be verified along with Borrower's actual receipt of funds. File is missing proof of liquidation and receipt of funds. |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>Seller Comment (2026-02-12): XXXXX<br>| 02/12/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65065213 | 35795163 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Based on the loan failing one or more guideline components, the loan is at QM risk. Once guideline requirements are met, the exception will be addressed. |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>| 02/12/2026 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 65065213 | 35795164 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Based on the loan failing one or more guideline components, the loan is at QM risk. Once guideline requirements are met, the exception will be addressed. |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>| 02/12/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65065213 | 35808188 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/12/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65950515 | 35965089 |  | 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 $172.30 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $172.30 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  | Reviewer Comment (2026-03-04): XXXXX<br>|  | 03/04/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62198194 | 35939641 |  | 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 $258.00 exceeds tolerance of $112.00 plus 10% or $123.20. $134.80 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $134.80 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Seller Comment (2026-03-04): XXXXX<br>| 03/05/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62198194 | 35939887 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. Verify data entry and set exception. |  |  |  | Reviewer Comment (2026-03-06): XXXXX<br>Seller Comment (2026-03-06): XXXXX<br>| 03/06/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62198194 | 35972423 |  | 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 $258.00 exceeds tolerance of $112.00 plus 10% or $123.20. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>|  | 03/05/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66945578 | 35945036 |  | 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 Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee. was last disclosed as $00.00 on LE but disclosed as $92.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $92.70, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-06): XXXXX<br>Seller Comment (2026-03-05): XXXXX<br>| 03/06/2026 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66812554 | 35829936 |  | 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 $-8,211.81 exceeds tolerance of $-9,401.00. Insufficient or no cure was provided to the borrower. | Lender Credits was last disclosed as $-9,401.00 on LE but disclosed as $-8,211.81 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,189.19, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-02-22): XXXXX<br>Seller Comment (2026-02-20): XXXXX<br>| 02/22/2026 |  |  | 1<br> C<br> A |  | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60440129 | 35850123 |  | 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 Review Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-19): XXXXX<br>|  | 02/19/2026 |  | 1<br> A |  | NJ | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 35761198 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | The file was missing a copy of the Flood certificate. |  |  |  | Reviewer Comment (2026-03-02): XXXXX<br>Seller Comment (2026-03-02): XXXXX<br>| 03/02/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36030551 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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 $XXX is under disclosed by $6,470.59 compared to the calculated Finance Charge of $XXX which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Final Closing Disclosure provided on XX/XX/XX 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 $XXX is under disclosed by $6,470.59 compared to the calculated Finance Charge of $XXX which exceeds the $35.00 threshold |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-26): XXXXX<br>Reviewer Comment (2026-03-18): XXXXX<br>Seller Comment (2026-03-17): XXXXX<br>| 03/26/2026 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36030552 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Final Closing Disclosure provided on XX/XX/XX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-26): XXXXX<br>Reviewer Comment (2026-03-18): XXXXX<br>Seller Comment (2026-03-17): XXXXX<br>| 03/26/2026 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36030553 |  | 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 XX/XX/XX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Final Closing Disclosure provided on XX/XX/XX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-26): XXXXX<br>Reviewer Comment (2026-03-18): XXXXX<br>Seller Comment (2026-03-17): XXXXX<br>| 03/26/2026 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36030554 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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 XX/XX/XX). The disclosed Total of Payments in the amount of $XXX is under disclosed by $12,470.59 compared to the calculated total of payments of $XXX which exceeds the $35.00 threshold. | Final Closing Disclosure provided on XX/XX/XX 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 XX/XX/XX). The disclosed Total of Payments in the amount of $XXX is under disclosed by $12,470.59 compared to the calculated total of payments of $XXX which exceeds the $35.00 threshold. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-26): XXXXX<br>Reviewer Comment (2026-03-18): XXXXX<br>Seller Comment (2026-03-17): XXXXX<br>| 03/26/2026 |  |  | 1<br> A |  | CA | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36030561 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument maturity date and note maturity date do not concur. |  | Security Instrument Maturity Date and Note Maturity Date do not concur. |  |  |  | Reviewer Comment (2026-03-12): XXXXX<br>Seller Comment (2026-03-12): XXXXX<br>| 03/12/2026 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36030562 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument Error: Security instrument loan amount and note original loan amount do not concur. |  | Security Instrument Loan Amount and Note Original Loan Amount do not concur. |  |  |  | Reviewer Comment (2026-03-12): XXXXX<br>Seller Comment (2026-03-12): XXXXX<br>| 03/12/2026 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36030563 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $XXXXX is less than the note amount of $XXXXX based on the Preliminary in file. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 03/10/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36052456 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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 $XXX is under disclosed by $6,470.59 compared to the calculated Finance Charge of $XXX which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Received the updated Note and Security Instrument documents dated XX/XX/XX and updated the file accordingly. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-26): XXXXX<br>| 03/26/2026 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36052457 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XX/XX/XX disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Received the updated Note and Security Instrument documents dated XX/XX/XX and updated the file accordingly. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-26): XXXXX<br>Reviewer Comment (2026-03-18): XXXXX<br>Seller Comment (2026-03-17): XXXXX<br>| 03/26/2026 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36052458 |  | 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 XX/XX/XX disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | Received the updated Note and Security Instrument documents dated XX/XX/XX and updated the file accordingly. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-26): XXXXX<br>Reviewer Comment (2026-03-18): XXXXX<br>Seller Comment (2026-03-17): XXXXX<br>| 03/26/2026 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36052459 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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 XX/XX/XX). The disclosed Total of Payments in the amount of $XXX is under disclosed by $12,470.59 compared to the calculated total of payments of $XXX which exceeds the $35.00 threshold. | Received the updated Note and Security Instrument documents dated XX/XX/XX and updated the file accordingly. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-26): XXXXX<br>Reviewer Comment (2026-03-18): XXXXX<br>Seller Comment (2026-03-17): XXXXX<br>| 03/26/2026 |  |  | 1<br> A |  | CA | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36052460 |  | 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 XX/XX/XX, prior to three (3) business days from transaction date of XX/XX/XX. | Received the updated Note and Security Instrument documents dated XX/XX/XX and updated the file accordingly. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-26): XXXXX<br>Reviewer Comment (2026-03-19): XXXXX<br>Seller Comment (2026-03-17): XXXXX<br>| 03/26/2026 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36052461 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Received the updated Note and Security Instrument documents dated XX/XX/XX and updated the file accordingly. |  |  |  | Reviewer Comment (2026-03-19): XXXXX<br>Seller Comment (2026-03-17): XXXXX<br>| 03/19/2026 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36052465 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Received the updated Note and Security Instrument documents dated XX/XX/XX and updated the file accordingly. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 03/12/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36096423 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | VVOE was not provided within 10 days of the Note date of XX/XX/XX. |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-26): XXXXX<br>| 03/26/2026 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36158722 |  | 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 $4,770.27 exceeds tolerance of $4,750.25. $20.02 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Origination Fee increase on XX/XX/XX CD with no valid changed circumstance documentation |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>Seller Comment (2026-03-26): XXXXX<br>| 03/26/2026 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36158723 |  | 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 $155.00 exceeds tolerance of $78.00. $77.00 over legal limit. Insufficient or no cure was provided to the borrower. | Credit report increase on XX/XX/XX CD with no valid changed circumstance documentation |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>| 03/26/2026 |  |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36162963 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-279.85 exceeds tolerance of $-3,736.56. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>|  | 03/26/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36162964 |  | 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 Loan Origination Fee. Fee Amount of $4,770.27 exceeds tolerance of $4,750.25. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>|  | 03/26/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | 36162965 |  | 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 $155.00 exceeds tolerance of $78.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-26): XXXXX<br>|  | 03/26/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 64605964 | 35850585 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. |  |  | Reviewer Comment (2026-02-25): XXXXX<br>|  |  | 02/25/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64605964 | 35850759 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/23/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65169398 | 35720423 |  | 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. | File is missing a copy of Initial Rate Lock Date document. |  |  |  |  |  |  | 02/06/2026 | 2<br> B |  | VA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65169398 | 35720443 |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | File is missing a copy of Initial Rate Lock Date document. |  |  |  | Reviewer Comment (2026-02-09): XXXXX<br>Seller Comment (2026-02-09): XXXXX<br>| 02/09/2026 |  |  | 1<br> C<br> A |  | VA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63013060 | 35796179 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $$84,371.21 are insufficient to meet cash to close of $XXX. Final 1008 reflects $891,431.85 verified, however, IRA XXXXX be counted toward Reserves Only per Guidelines. |  |  |  | Reviewer Comment (2026-02-19): XXXXX<br>Seller Comment (2026-02-18): XXXXX<br>| 02/19/2026 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69027785 | 35927465 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 03/02/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69027785 | 35929621 |  | 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 $2,866.50 exceeds tolerance of $1,892.00. $974.50 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,866.50 exceeds tolerance of $1,892.00. $974.50 over legal limit. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (2026-03-04): XXXXX<br>Seller Comment (2026-03-03): XXXXX<br>| 03/04/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 63834181 | 35804851 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | The Desk Review or Field Review effective date does not match the Appraisals effective date. |  |  |  | Reviewer Comment (2026-02-19): XXXXX<br>Seller Comment (2026-02-18): XXXXX<br>| 02/19/2026 |  |  | 1<br> C<br> A |  | CO | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63834181 | 35804953 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $250.00 on LE but disclosed as $600.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>|  | 02/12/2026 |  | 1<br> A |  | CO | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 63834181 | 35804954 |  | 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 XXXXX. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | XXXXX Fee was last disclosed as $0.00 on LE but disclosed as $123.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>|  | 02/12/2026 |  | 1<br> A |  | CO | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 69515751 | 35867304 |  | 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 $1,800.00 exceeds tolerance of $1,075.00. $725.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $4,616.00 on LE but disclosed as $3,408.56 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,207.44, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>Seller Comment (2026-02-26): XXXXX<br>| 02/26/2026 |  |  | 1<br> C<br> A |  | NM | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 69515751 | 35867381 |  | 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 $1,144.78. |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Seller Comment (2026-03-02): XXXXX<br>| 03/03/2026 |  |  | 1<br> C<br> A |  | NM | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69515751 | 35932067 |  | 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 $1,800.00 exceeds tolerance of $1,075.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-27): XXXXX<br>|  | 02/27/2026 |  | 1<br> A |  | NM | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68591687 | 35957668 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 03/05/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64772164 | 35718861 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | XXXXX HB1399 - No evidence of required counseling disclosure language per XXXXX HB 1399. | No evidence of required counseling disclosure language per XXXXX HB 1399. |  |  |  | Reviewer Comment (2026-02-24): XXXXX<br>|  |  | 02/24/2026 | 2<br> B |  | MD | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66482723 | 35735230 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/09/2026 | 2<br> B |  | VT | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66482723 | 35735231 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Reviewer Comment (2026-02-23): XXXXX<br>Seller Comment (2026-02-17): XXXXX<br>| 03/09/2026 |  |  | 1<br> B<br> A<br> C |  | VT | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66482723 | 35735232 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.49160% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXX or .49160%). | QM Points and Fees threshold exceeded by $XXX or .49160%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations. |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-02-23): XXXXX<br>Reviewer Comment (2026-02-23): XXXXX<br>Seller Comment (2026-02-17): XXXXX<br>| 03/09/2026 |  |  | 1<br> C<br> A |  | VT | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65827486 | 35724323 |  | 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 $90.00 exceeds tolerance of $0.00. $90.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee was last disclosed as $0.00 on LE but disclosed as $90.00on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>Seller Comment (2026-02-11): XXXXX<br>|  | 02/12/2026 |  | 2<br> C<br> B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 65827486 | 35724333 |  | 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 Title - Endorsement Fee. Fee Amount of $100.00 exceeds tolerance of $25.00. $75.00 over legal limit. Insufficient or no cure was provided to the borrower. | Title-Endorsement Fee was last disclosed as $25.00 on LE but disclosed as $100.00on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>Seller Comment (2026-02-11): XXXXX<br>|  | 02/12/2026 |  | 2<br> C<br> B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 65827486 | 35724340 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/04/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62905379 | 35790967 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/13/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63448955 | 35812391 |  | 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 $225.50 exceeds tolerance of $200.00. $25.50 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $200.00 on LE but disclosed as $225.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $25.50. |  |  |  | Reviewer Comment (2026-02-19): XXXXX<br>Seller Comment (2026-02-18): XXXXX<br>| 02/19/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 63448955 | 35812428 |  | 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 $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | Re-Inspection Fee was last disclosed as $.00 on LE but disclosed as $200.00 on Final Closing Disclosure. File contain a valid COC for this fee. |  |  |  | Reviewer Comment (2026-02-20): XXXXX<br>Seller Comment (2026-02-19): XXXXX<br>Reviewer Comment (2026-02-19): XXXXX<br>Seller Comment (2026-02-18): XXXXX<br>| 02/20/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 63448955 | 35812443 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/17/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63448955 | 35812791 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file does not disclose an amount of title insurance coverage.Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/17/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63448955 | 35855164 |  | 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 $225.50 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing |  |  |  | Reviewer Comment (2026-02-20): XXXXX<br>|  | 02/20/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62775058 | 35931045 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary title document does not state the coverage amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 03/02/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64575316 | 35838758 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/20/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65397542 | 35867962 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXXX is less than the note amount of $XXXXX based on the Commitment in file. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/25/2026 | 2<br> B |  | NC | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67605331 | 35864829 |  | 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 $129.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $129.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-23): XXXXX<br>|  | 02/23/2026 |  | 1<br> A |  | CO | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 67605331 | 35864830 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $92.70 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. |  |  |  | Reviewer Comment (2026-02-23): XXXXX<br>|  | 02/23/2026 |  | 1<br> A |  | CO | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 65321881 | 35726360 |  | 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 $-9,471.20 exceeds tolerance of $-17,235.00. Insufficient or no cure was provided to the borrower. | 0% tolerance was exceeded by $7,763.80 due to increase of Lender Credit. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $7,763.80 , a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-02-11): XXXXX<br>Seller Comment (2026-02-09): XXXXX<br>| 02/11/2026 |  |  | 1<br> C<br> A |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 65483560 | 35891919 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Loan was underwritten using XXXXX QM AUS guidelines, but no AUS was provided. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>Seller Comment (2026-02-25): XXXXX<br>Reviewer Comment (2026-02-24): XXXXX<br>Seller Comment (2026-02-24): XXXXX<br>| 02/25/2026 |  |  | 1<br> A |  | MA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63495225 | 35934646 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  |  |  | 03/03/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65938789 | 35916498 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/27/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65456988 | 35957199 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>|  | 03/03/2026 |  | 1<br> A |  | AZ | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 61213080 | 35764472 |  | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. |  |  |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>| 02/12/2026 |  |  | 1<br> A |  | MA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67637745 | 35891826 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/26/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67637745 | 35892182 |  | 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 $133.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-24): XXXXX<br>|  | 02/24/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 67231016 | 35871278 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - XXXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are underdisclosed | Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are underdisclosed. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Seller Comment (2026-03-04): XXXXX<br>Reviewer Comment (2026-03-03): XXXXX<br>Seller Comment (2026-03-03): XXXXX<br>Reviewer Comment (2026-03-02): XXXXX<br>Seller Comment (2026-03-02): XXXXX<br>|  | 03/05/2026 |  | 2<br> C<br> B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 67231016 | 35871279 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are underdisclosed. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Seller Comment (2026-03-04): XXXXX<br>Reviewer Comment (2026-03-03): XXXXX<br>Seller Comment (2026-03-03): XXXXX<br>|  | 03/05/2026 |  | 2<br> C<br> B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 67231016 | 35871280 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XX are underdisclosed. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Seller Comment (2026-03-04): XXXXX<br>Reviewer Comment (2026-03-02): XXXXX<br>Seller Comment (2026-03-02): XXXXX<br>|  | 03/05/2026 |  | 2<br> C<br> B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62130903 | 35869234 |  | 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 $78.75 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-23): XXXXX<br>|  | 02/23/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62130903 | 35869239 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/25/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62130903 | 35869249 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification is missing. |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Seller Comment (2026-03-02): XXXXX<br>| 03/03/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65517979 | 35986664 |  | 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 $242.60 exceeds tolerance of $215.00 plus 10% or $236.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-06): XXXXX<br>|  | 03/06/2026 |  | 1<br> A |  | FL | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 63996294 | 35952728 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 03/05/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63996294 | 35952759 |  | 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 $875.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $850.00 on LE but disclosed as $875.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>|  | 03/03/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66414410 | 35936901 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-03-04): XXXXX<br>| 03/09/2026 |  |  | 1<br> B<br> A<br> C |  | NC | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66414410 | 35936902 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 4.90000% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $XXXXX (an overage of $XXX or 1.90000%). | QM Points and Fees threshold exceeded by $XXX or .1.900000%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations. |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-03-04): XXXXX<br>| 03/09/2026 |  |  | 1<br> C<br> A |  | NC | Second Home | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67061124 | 35939325 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. If the prelim does not state a coverage amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 03/03/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67061124 | 35939366 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail |  |  |  | Reviewer Comment (2026-03-10): XXXXX<br>Seller Comment (2026-03-04): XXXXX<br>| 03/10/2026 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 67061124 | 35939367 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Assets | General QM: Unable to verify assets using reasonably reliable third-party records. | Unable to verify assets using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2026-03-10): XXXXX<br>Seller Comment (2026-03-06): XXXXX<br>| 03/10/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63681024 | 35944968 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 03/04/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64715674 | 35868894 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement is missing in file. |  |  |  | Reviewer Comment (2026-03-04): XXXXX<br>Seller Comment (2026-03-04): XXXXX<br>Reviewer Comment (2026-03-03): XXXXX<br>Seller Comment (2026-03-02): XXXXX<br>| 03/04/2026 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64715674 | 35868943 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-03-04): XXXXX<br>Seller Comment (2026-03-02): XXXXX<br>| 03/04/2026 |  |  | 1<br> B<br> A<br> C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 64715674 | 35869243 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO 25% Method | General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | Lease Agreement is missing in file. |  |  |  | Reviewer Comment (2026-03-04): XXXXX<br>Seller Comment (2026-03-02): XXXXX<br>| 03/04/2026 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60880622 | 35966818 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 03/06/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62134511 | 35845239 |  | 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 $9,710.40 exceeds tolerance of $0.00. $9,710.40 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $00.00 on LE but disclosed as $9710.40 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $9710.40, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-02-27): XXXXX<br>Seller Comment (2026-02-25): XXXXX<br>Reviewer Comment (2026-02-24): XXXXX<br>Seller Comment (2026-02-23): XXXXX<br>| 02/27/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62134511 | 35845674 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/20/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68197695 | 35839808 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Require updated Hazard insurance document, XXXXX Fair Plan - Supplemental Insurance document and RCE document with Subject property address updated as XXX" as in all above mentioned documents in file address reflects without direction "XXX" as "XXX" |  |  |  | Reviewer Comment (2025-12-18): XXXXX<br>Buyer Comment (2025-12-17): XXXXX<br>| 12/18/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68197695 | 35839809 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Require updated Flood Certificate document with Subject property address updated as "XXXXX" as in current Flood Certificate document address reflects without direction "XXXXX" as "XXXXX" |  |  |  | Reviewer Comment (2025-12-18): XXXXX<br>Buyer Comment (2025-12-17): XXXXX<br>| 12/18/2025 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68197695 | 35839810 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Require updated Appraisal document and XXXXX document with Subject property address updated as "XXXXX" as in the current documents in file address reflects without direction "XXX" as "XXXXX" |  |  |  | Reviewer Comment (2026-01-02): XXXXX<br>Buyer Comment (2025-12-31): XXXXX<br>Reviewer Comment (2025-12-18): XXXXX<br>Buyer Comment (2025-12-17): XXXXX<br>| 01/02/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68197695 | 35839814 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. |  | Require Signed Final CD as the current Final CD D0314 in file is not signed |  |  |  | Reviewer Comment (2025-12-18): XXXXX<br>Buyer Comment (2025-12-16): XXXXX<br>| 12/18/2025 |  |  | 1<br> B<br> A |  | CA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67256692 | 35840001 |  | 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 $266.56 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-26): XXXXX<br>|  | 12/26/2025 |  | 1<br> A |  | NJ | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 67256692 | 35840002 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Require updated tax certificate as Tax amount is not matching as per lender calculated tax. annual tax amount $XXXXX and $XXXXX / month. |  |  |  | Reviewer Comment (2026-01-06): XXXXX<br>Buyer Comment (2026-01-06): XXXXX<br>| 01/06/2026 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69276724 | 35840026 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. |  |  |  |  | Reviewer Comment (2026-01-07): XXXXX<br>Buyer Comment (2026-01-06): XXXXX<br>| 01/07/2026 |  |  | 1<br> B<br> A |  | AZ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62895656 | 35840040 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided for Golden Appraisals with report date XX/XX/XX and effective date XX/XX/XX. |  |  |  | Reviewer Comment (2026-01-13): XXXXX<br>Buyer Comment (2026-01-12): XXXXX<br>| 01/13/2026 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62895656 | 35840042 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided for Golden Appraisals with report date XX/XX/XX and effective date XX/XX/XX. |  |  |  | Reviewer Comment (2026-01-13): XXXXX<br>Buyer Comment (2026-01-12): XXXXX<br>Reviewer Comment (2026-01-12): XXXXX<br>Buyer Comment (2026-01-09): XXXXX<br>| 01/13/2026 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60620817 | 35843442 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. |  |  |  |  | Reviewer Comment (2026-01-13): XXXXX<br>Buyer Comment (2026-01-12): XXXXX<br>Reviewer Comment (2026-01-12): XXXXX<br>Buyer Comment (2026-01-08): XXXXX<br>| 01/13/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60620817 | 35843443 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Data updated correctly. |  |  |  | Reviewer Comment (2026-01-13): XXXXX<br>Buyer Comment (2026-01-12): XXXXX<br>Reviewer Comment (2026-01-12): XXXXX<br>Buyer Comment (2026-01-08): XXXXX<br>| 01/13/2026 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60620817 | 35843444 |  | 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 $1,175.00 exceeds tolerance of $950.00. Sufficient or excess cure was provided to the borrower at Closing. | Lender provided cure of $225 for increase in appraisal fee |  |  |  | Reviewer Comment (2026-01-06): XXXXX<br>|  | 01/06/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 67847433 | 35843466 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  | Reviewer Comment (2026-01-12): XXXXX<br>Buyer Comment (2026-01-08): XXXXX<br>| 01/12/2026 |  |  | 1<br> B<br> A<br> C |  | NC | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 67847433 | 35843467 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (2026-01-12): XXXXX<br>Buyer Comment (2026-01-08): XXXXX<br>| 01/12/2026 |  |  | 1<br> C<br> A |  | NC | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67847433 | 35843469 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is not provided in the file for the XXXXX property. |  |  |  | Reviewer Comment (2026-01-12): XXXXX<br>Buyer Comment (2026-01-08): XXXXX<br>| 01/12/2026 |  |  | 1<br> C<br> A |  | NC | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63045962 | 35843610 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2026-01-15): XXXXX<br>Buyer Comment (2026-01-14): XXXXX<br>| 01/15/2026 |  |  | 1<br> B<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68330488 | 35905800 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/26/2026 | 2<br> B |  | VA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68330488 | 35905830 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $44.95 compared to the calculated Amount Financed of $XXX 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 XX/XX/XX). | Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $44.95 compared to the calculated Amount Financed of $XXX 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 |  |  |  | Reviewer Comment (2026-03-04): XXXXX<br>Seller Comment (2026-03-03): XXXXX<br>|  | 03/04/2026 |  | 2<br> C<br> B |  | VA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68330488 | 35905831 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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 $XXX is under disclosed by $44.95 compared to the calculated Finance Charge of $XXX which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Finance Charge disclosed is $XXX Calculated finance charge is $XXX Variance of $44.95 Based on review of Lender's compliance report, Condo Association fee was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable. |  |  |  | Reviewer Comment (2026-03-04): XXXXX<br>Seller Comment (2026-03-03): XXXXX<br>|  | 03/04/2026 |  | 2<br> C<br> B |  | VA | Primary | Refinance - Rate/Term | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68330488 | 35905902 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. Verify data entry and set exception. |  |  |  | Reviewer Comment (2026-03-02): XXXXX<br>Seller Comment (2026-02-27): XXXXX<br>| 03/02/2026 |  |  | 1<br> C<br> A |  | VA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68849676 | 35915469 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/27/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69513521 | 35933070 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 03/03/2026 | 2<br> B |  | ME | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69513521 | 35933085 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $164,608.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Seller Comment (2026-03-19): XXXXX<br>Reviewer Comment (2026-03-19): XXXXX<br>Seller Comment (2026-03-17): XXXXX<br>Reviewer Comment (2026-03-13): XXXXX<br>Seller Comment (2026-03-13): XXXXX<br>Seller Comment (2026-03-10): XXXXX<br>| 03/19/2026 |  |  | 1<br> C<br> A |  | ME | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60576489 | 35916456 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Seller Comment (2026-03-02): XXXXX<br>| 03/03/2026 |  |  | 1<br> C<br> A |  | CA | Second Home | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60576489 | 35916457 |  | 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 $2,018.00 exceeds tolerance of $1,832.00 plus 10% or $2,015.20. $2.80 over legal limit. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $2.80 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2.80, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-12): XXXXX<br>Seller Comment (2026-03-10): XXXXX<br>Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-03-06): XXXXX<br>Reviewer Comment (2026-03-04): XXXXX<br>Seller Comment (2026-03-03): XXXXX<br>| 03/12/2026 |  |  | 1<br> C<br> A |  | CA | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 64628759 | 35916218 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  | Reviewer Comment (2026-03-19): XXXXX<br>Seller Comment (2026-03-17): XXXXX<br>| 03/19/2026 |  |  | 1<br> B<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64628759 | 35916370 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $358,020.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-03-06): XXXXX<br>Seller Comment (2026-03-02): XXXXX<br>| 03/06/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68041967 | 35942829 |  | 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 $-4,413.78 exceeds tolerance of $-4,861.00. Insufficient or no cure was provided to the borrower. | Lender Credit was last disclosed as -$4,544.00 on LE but disclosed as -$4,413.78on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $447.22, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-13): XXXXX<br>Seller Comment (2026-03-12): XXXXX<br>| 03/13/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 65100803 | 35935430 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Earlier proof of receipt not provided. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Seller Comment (2026-03-04): XXXXX<br>| 03/05/2026 |  |  | 1<br> C<br> A |  | NV | Primary | Refinance - Rate/Term | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65100803 | 35935574 |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which XXXXX impact high cost findings. | Payoff Mortgage Statement not provided for mortgage paid off through closing. |  |  |  | Reviewer Comment (2026-03-16): XXXXX<br>Seller Comment (2026-03-11): XXXXX<br>| 03/16/2026 |  |  | 1<br> B<br> A |  | NV | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64713282 | 35924555 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Seller Comment (2026-03-02): XXXXX<br>| 03/03/2026 |  |  | 1<br> C<br> A |  | UT | Primary | Refinance - Cash-out - Other | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62209981 | 35970840 |  | 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 $30.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>|  | 03/05/2026 |  | 1<br> A |  | NJ | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62209981 | 35970841 |  | 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 Copy Or Fax Fee. Fee Amount of $19.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>|  | 03/05/2026 |  | 1<br> A |  | NJ | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60464897 | 35915866 |  | 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 $750.00 exceeds tolerance of $650.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $650.00 on LE but disclosed as $750.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-04): XXXXX<br>Seller Comment (2026-03-02): XXXXX<br>| 03/04/2026 |  |  | 1<br> C<br> A |  | CT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60464897 | 35915867 |  | 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 $350.00 exceeds tolerance of $0.00. $350.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was last disclosed as $0.00 on LE but disclosed as $350.00 on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-03-04): XXXXX<br>Seller Comment (2026-03-02): XXXXX<br>| 03/04/2026 |  |  | 1<br> C<br> A |  | CT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60464897 | 35916068 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2026-03-19): XXXXX<br>Seller Comment (2026-03-17): XXXXX<br>Reviewer Comment (2026-03-13): XXXXX<br>Seller Comment (2026-03-10): XXXXX<br>Reviewer Comment (2026-03-06): XXXXX<br>Seller Comment (2026-03-02): XXXXX<br>| 03/19/2026 |  |  | 1<br> C<br> A |  | CT | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60464897 | 35963576 |  | 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 $750.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-04): XXXXX<br>|  | 03/04/2026 |  | 1<br> A |  | CT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60464897 | 35963577 |  | 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 $350.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-03-04): XXXXX<br>|  | 03/04/2026 |  | 1<br> A |  | CT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68608268 | 35916211 |  | 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 $-50.00 exceeds tolerance of $-125.00. Insufficient or no cure was provided to the borrower. | Lender Credits was last disclosed as $-125.00 on LE but disclosed as $-50.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $75.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-03-06): XXXXX<br>Reviewer Comment (2026-03-05): XXXXX<br>Seller Comment (2026-03-04): XXXXX<br>|  | 03/09/2026 |  | 2<br> C<br> B |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68608268 | 35916212 |  | 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 $90.00 exceeds tolerance of $0.00. $90.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee was last disclosed as $0.00 on LE but disclosed as $90.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $90.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-03-06): XXXXX<br>Reviewer Comment (2026-03-05): XXXXX<br>Seller Comment (2026-03-04): XXXXX<br>|  | 03/09/2026 |  | 2<br> C<br> B |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68608268 | 35916213 |  | 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 Service Charges. Fee Amount of $25.00 exceeds tolerance of $0.00. $25.00 over legal limit. Insufficient or no cure was provided to the borrower. | Service Charges was last disclosed as $0.00 on LE but disclosed as $25.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $25.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2026-03-09): XXXXX<br>Seller Comment (2026-03-06): XXXXX<br>Reviewer Comment (2026-03-05): XXXXX<br>Seller Comment (2026-03-04): XXXXX<br>|  | 03/09/2026 |  | 2<br> C<br> B |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68608268 | 35916231 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $31,100.00. Provide updated policy reflecting minimum coverage of $XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2026-03-13): XXXXX<br>Seller Comment (2026-03-10): XXXXX<br>| 03/13/2026 |  |  | 1<br> C<br> A |  | NJ | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68608268 | 35916238 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/25/2026 | 2<br> B |  | NJ | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65744474 | 35915912 |  | 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 $451.00 exceeds tolerance of $196.00 plus 10% or $215.60. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $451.00 exceeds tolerance of $196.00 plus 10% or $215.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>|  | 02/25/2026 |  | 1<br> A |  | NY | Second Home | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 65744474 | 35915913 |  | 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 $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance was last disclosed as $0.00 on LE but disclosed as $90.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, evidence of cure in file. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>|  | 02/25/2026 |  | 1<br> A |  | NY | Second Home | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 63111164 | 35924638 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | XXXXX HB1399 - No evidence of required counseling disclosure language per XXXXX HB 1399. |  |  |  |  | Reviewer Comment (2026-03-19): XXXXX<br>|  |  | 03/19/2026 | 2<br> B |  | MD | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63111164 | 35924642 |  | 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 Transfer Tax. Fee Amount of $15,322.50 exceeds tolerance of $13,904.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $15,322.50 exceeds tolerance of $13,904.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>|  | 02/26/2026 |  | 1<br> A |  | MD | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62075262 | 35916397 |  | 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 $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>|  | 02/25/2026 |  | 1<br> A |  | WA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62075262 | 35930106 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment does not meet the guideline requirements. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2026-03-19): XXXXX<br>Seller Comment (2026-03-17): XXXXX<br>Reviewer Comment (2026-03-06): XXXXX<br>Seller Comment (2026-03-03): XXXXX<br>| 03/19/2026 |  |  | 1<br> C<br> A |  | WA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66690528 | 35971402 |  | 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 Reinspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reinspection Fee was last disclosed as $0.00 on LE but disclosed as $175.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, However evidence of cure in file in the amount of $175.00. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>|  | 03/05/2026 |  | 1<br> A |  | NH | Second Home | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66690528 | 35971404 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 03/05/2026 | 2<br> B |  | NH | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65323423 | 35915345 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>|  | 02/25/2026 |  | 1<br> A |  | GA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 69311027 | 35915437 |  | 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 $75.00 exceeds tolerance of $50.00 plus 10% or $55.00. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $20.00 due to increase of fees. No valid COC provided, Sufficient or Excess cure was provided to the borrower at closing. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>|  | 02/25/2026 |  | 1<br> A |  | NM | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 64203740 | 35924538 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file does not disclose an amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/27/2026 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67063980 | 35915434 |  | 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 $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>|  | 02/25/2026 |  | 1<br> A |  | NJ | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 67063980 | 35915465 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Verified liquid assets in the amount of $0.00 are insufficient to meet cash to close of $10,892.05. Final 1008 reflects $3,178,479.28 verified, however asset verification documents were not provided. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Seller Comment (2026-03-03): XXXXX<br>| 03/05/2026 |  |  | 1<br> C<br> A |  | NJ | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67063980 | 35915481 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $0.00 are insufficient to meet cash to close of $10,892.05. Final 1008 reflects $3,178,479.28 verified, however asset verification documents were not provided. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Seller Comment (2026-03-03): XXXXX<br>| 03/05/2026 |  |  | 1<br> C<br> A |  | NJ | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67063980 | 35915560 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Seller Comment (2026-03-03): XXXXX<br>| 03/05/2026 |  |  | 1<br> B<br> A<br> C |  | NJ | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 67063980 | 35915561 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Insufficient Assets. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Seller Comment (2026-03-03): XXXXX<br>| 03/05/2026 |  |  | 1<br> C<br> A |  | NJ | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65583630 | 35923869 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/27/2026 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61269320 | 35924680 |  | 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 $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee was last disclosed as $0 on LE but disclosed as $90.00 on Final Closing Disclosure, File does not contain a valid COC for this fee, evidence of cure in file. |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>|  | 02/26/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60562368 | 35946963 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 03/03/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62112448 | 35933090 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file does not disclose an amount of title insurance coverage .Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 03/03/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64593644 | 35915882 |  | 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 $1,275.00 exceeds tolerance of $1,050.00 plus 10% or $1,155.00. Sufficient or excess cure was provided to the borrower at Closing. | Recording Fee was last disclosed as $1,155.00 on LE but disclosed as $1,275.00 on Final Closing Disclosure. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>|  | 02/25/2026 |  | 1<br> A |  | CA | Second Home | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 64593644 | 35915883 |  | 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 $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Desk Review Fee was last disclosed as $0.00 on LE but disclosed as $90.00 on Final Closing Disclosure. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>|  | 02/25/2026 |  | 1<br> A |  | CA | Second Home | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 64593644 | 35915892 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1040 - Schedule C (XXXXX) is missing from the file. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Seller Comment (2026-03-10): XXXXX<br>| 03/11/2026 |  |  | 1<br> C<br> A |  | CA | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64593644 | 35915914 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Seller Comment (2026-03-10): XXXXX<br>| 03/11/2026 |  |  | 1<br> B<br> A<br> C |  | CA | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 64593644 | 35915915 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Seller Comment (2026-03-10): XXXXX<br>| 03/11/2026 |  |  | 1<br> C<br> A |  | CA | Second Home | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67456039 | 35916168 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/27/2026 | 2<br> B |  | CA | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65351872 | 35916938 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Final Title Policy will be provided as a trailing document. | Final Title Policy will be provided as a trailing document | XXX,Aggregator | Reviewer Comment (2026-03-24): XXXXX<br>|  |  | 02/27/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 65351872 | 35917014 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>|  | 02/25/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68648438 | 35915544 |  | 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 Certification Fee. Fee Amount of $495.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Certification Fee was disclosed as $0.00 on LE but disclosed as $495.00 in Final Closing Disclosure. Sufficient or Excess cure was provided to the borrower at closing. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>|  | 02/25/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60905564 | 35951823 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2026-03-11): XXXXX<br>Seller Comment (2026-03-09): XXXXX<br>| 03/11/2026 |  |  | 1<br> C<br> A |  | CA | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66478254 | 35915967 |  | 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 $90.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>|  | 02/25/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66478254 | 35915968 |  | 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 $810.00 exceeds tolerance of $660.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $810.00 exceeds tolerance of $660.00. Sufficient cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>|  | 02/25/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 61359294 | 35918624 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  |  |  |  | 02/27/2026 | 2<br> B |  | AZ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61359294 | 35918813 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2026-03-04): XXXXX<br>Seller Comment (2026-03-04): XXXXX<br>| 03/04/2026 |  |  | 1<br> D<br> A |  | AZ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61359294 | 35918817 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Seller Comment (2026-03-02): XXXXX<br>| 03/03/2026 |  |  | 1<br> C<br> A |  | AZ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60842587 | 35959826 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Closing statement for pending REO "XXXXX" not true and certified or executed by both parties and settlement agent. |  |  |  | Reviewer Comment (2026-01-23): XXXXX<br>Buyer Comment (2026-01-23): XXXXX<br>| 01/23/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60842587 | 35959828 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report was provided on XX/XX/XX within 3 days of Note date, provide prior appraisal report provided to borrower with delivery instruction |  |  |  | Buyer Comment (2026-01-23): XXXXX<br>Reviewer Comment (2026-01-23): XXXXX<br>Buyer Comment (2026-01-22): XXXXX<br>|  |  | 01/23/2026 | 2<br> B |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60842587 | 35959830 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | Borrower name on VOE for business "XXXXX" incorrect. |  |  |  | Reviewer Comment (2026-01-27): XXXXX<br>Buyer Comment (2026-01-26): XXXXX<br>| 01/27/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60842587 | 35959831 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | Transcript for the year XXXXX provided. XXXXX W2 documentation provided, no transcripts for this income provided. |  |  |  | Reviewer Comment (2026-01-27): XXXXX<br>Buyer Comment (2026-01-27): XXXXX<br>| 01/27/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66356689 | 35960735 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | File is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2026-01-27): XXXXX<br>| 01/27/2026 |  |  | 1<br> A |  | TX | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66356689 | 35960736 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2026-01-27): XXXXX<br>Buyer Comment (2026-01-23): XXXXX<br>| 01/27/2026 |  |  | 1<br> B<br> A |  | TX | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66356689 | 35960740 |  | 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 TX Guaranty Fee. Fee Amount of $2.00 exceeds tolerance of $0.00. $2.00 over legal limit. Insufficient or no cure was provided to the borrower. | XXXXX Guaranty Fee $2.00 was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. | XXXXX Guaranty Fee $2.00 was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. | XXXXX Guaranty Fee $2.00 was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  | Reviewer Comment (2026-01-20): XXXXX<br>Buyer Comment (2026-01-19): XXXXX<br>|  | 01/20/2026 |  | 2<br> C<br> B |  | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66644146 | 36155642 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $2,785.45 compared to the calculated Amount Financed of $XXX 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 XX/XX/XX). | Financed in the amount of $XXX is over disclosed by $2,785.45 compared to the calculated Amount Financed of $XXX Information updated as per document. |  |  |  | Reviewer Comment (2026-02-02): XXXXX<br>Buyer Comment (2026-01-30): XXXXX<br>| 02/02/2026 |  |  | 1<br> C<br> A |  | TN | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66644146 | 36155643 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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 $XXX is under disclosed by $2,785.45 compared to the calculated Finance Charge of $XXX which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | The disclosed Finance Charge in the amount of $XXX is under disclosed by $2,785.45 compared to the calculated Finance Charge of $XXX which exceeds the $100.00 threshold |  |  |  | Reviewer Comment (2026-02-02): XXXXX<br>Buyer Comment (2026-01-30): XXXXX<br>| 02/02/2026 |  |  | 1<br> C<br> A |  | TN | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66644146 | 36155644 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per XXXXX guidelines prior to delivering the loan, the lender must obtain a paystub from the borrower that includes sufficient information to support the income used to qualify the borrower based on the offer or contract. The paystub must be retained in the mortgage loan file. Please provide paystub for co-borrower's projected income. |  |  |  | Reviewer Comment (2026-02-17): XXXXX<br>Buyer Comment (2026-02-13): XXXXX<br>| 02/17/2026 |  |  | 1<br> A |  | TN | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67961348 | 36155705 |  | 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 Transfer Tax. Fee Amount of $853.60 exceeds tolerance of $830.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-01-30): XXXXX<br>|  | 01/30/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 67734744 | 36155745 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to Data discrepancy with DTI. Lender DTI 47.078%, Review DTI 47.08081%. Bid Tape DTI 43.40%. |  |  |  | Reviewer Comment (2026-02-10): XXXXX<br>Buyer Comment (2026-02-10): XXXXX<br>| 02/10/2026 |  |  | 1<br> B<br> A<br> C |  | WA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 67734744 | 36155746 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall due to Data discrepancy with DTI. Lender DTI 47.078%, Review DTI 47.08081%. Bid Tape DTI 43.40%. |  |  |  | Reviewer Comment (2026-02-10): XXXXX<br>Buyer Comment (2026-02-10): XXXXX<br>| 02/10/2026 |  |  | 1<br> C<br> A |  | WA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67734744 | 36155750 |  | Credit | Guideline | Guideline Issue | Guideline | Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $2000. | Cash to Borrower: ___; Total Cash Out: ___; Refi Purpose: ___ | Borrower brought $762,158.51 to closing from the sale of other property to payoff other mortgages. |  |  |  | Reviewer Comment (2026-02-10): XXXXX<br>| 02/10/2026 |  |  | 1<br> A |  | WA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64812033 | 36155770 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to DTI discrepancy. |  |  |  | Reviewer Comment (2026-02-09): XXXXX<br>Buyer Comment (2026-02-05): XXXXX<br>| 02/09/2026 |  |  | 1<br> B<br> A<br> C |  | FL | Second Home | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 64812033 | 36155771 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | DTI discrepancy is UTD as audit value of 35.6% matches 35.6% DTI provided on Lender 1008 and AUS in file. |  |  |  | Reviewer Comment (2026-02-09): XXXXX<br>Buyer Comment (2026-02-05): XXXXX<br>| 02/09/2026 |  |  | 1<br> C<br> A |  | FL | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64812033 | 36155772 |  | 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 Review Fee. Fee Amount of $240.00 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-03): XXXXX<br>|  | 02/03/2026 |  | 1<br> A |  | FL | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 64812033 | 36155773 |  | 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 $401.30 exceeds tolerance of $248.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-03): XXXXX<br>|  | 02/03/2026 |  | 1<br> A |  | FL | Second Home | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 69918749 | 36155797 |  | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___;<br> Bid Tape Investor Qualifying Total Debt Ratio: ___. |  |  |  |  | Reviewer Comment (2026-02-11): XXXXX<br>Buyer Comment (2026-02-09): XXXXX<br>| 02/11/2026 |  |  | 1<br> C<br> A |  | TN | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69918749 | 36155799 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2026-02-11): XXXXX<br>| 02/11/2026 |  |  | 1<br> C<br> A |  | TN | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69918749 | 36155800 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | ATR is fail |  |  |  | Reviewer Comment (2026-02-11): XXXXX<br>| 02/11/2026 |  |  | 1<br> B<br> A<br> C |  | TN | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66502061 | 36155905 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit Report provided in file was not the same credit report used by AUS. |  |  |  | Reviewer Comment (2026-01-20): XXXXX<br>Buyer Comment (2026-01-15): XXXXX<br>| 01/20/2026 |  |  | 1<br> D<br> A |  | NJ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66502061 | 36155906 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided |  | Occupancy Certificate is missing in file. |  |  |  | Reviewer Comment (2026-01-20): XXXXX<br>Buyer Comment (2026-01-15): XXXXX<br>| 01/20/2026 |  |  | 1<br> C<br> A |  | NJ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66502061 | 36155907 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Credit Report provided in file was not the same credit report used by AUS. |  |  |  | Reviewer Comment (2026-01-20): XXXXX<br>Buyer Comment (2026-01-15): XXXXX<br>| 01/20/2026 |  |  | 1<br> C<br> A |  | NJ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66502061 | 36155908 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan Designation discrepancy due to missing credit report. |  |  |  | Reviewer Comment (2026-01-20): XXXXX<br>Buyer Comment (2026-01-15): XXXXX<br>| 01/20/2026 |  |  | 1<br> B<br> A<br> C |  | NJ | Second Home | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66502061 | 36155909 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing credit report. |  |  |  | Reviewer Comment (2026-01-20): XXXXX<br>Buyer Comment (2026-01-15): XXXXX<br>| 01/20/2026 |  |  | 1<br> C<br> A |  | NJ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66502061 | 36155910 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | Tax documents in file show monthly school and town taxes of $XXXXX, whereas lender property taxes of $XXXXX, resulting in a discrepancy in escrow payment. |  |  |  | Reviewer Comment (2026-01-20): XXXXX<br>| 01/20/2026 |  |  | 1<br> A |  | NJ | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66502061 | 36155912 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | Tax documents in file show monthly school and town taxes of $XXXXX, whereas lender property taxes of $XXXXX, resulting in a discrepancy in escrow payment. |  |  |  | Reviewer Comment (2026-01-20): XXXXX<br>| 01/20/2026 |  |  | 1<br> A |  | NJ | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66502061 | 36155915 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall due to missing credit report. |  |  |  | Reviewer Comment (2026-01-20): XXXXX<br>Buyer Comment (2026-01-15): XXXXX<br>| 01/20/2026 |  |  | 1<br> C<br> A |  | NJ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63340457 | 36155918 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: 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.) | Initial 4506-C is required to be signed by the borrower on the application date as per the guideline requirement. |  |  |  | Reviewer Comment (2026-02-24): XXXXX<br>Buyer Comment (2026-02-20): XXXXX<br>Reviewer Comment (2026-02-18): XXXXX<br>Buyer Comment (2026-02-16): XXXXX<br>| 02/24/2026 |  |  | 1<br> C<br> A |  | VA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63340457 | 36155920 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Initial 4506-C is required to be signed by the borrower on the application date as per the guideline requirement. |  |  |  | Reviewer Comment (2026-02-24): XXXXX<br>Buyer Comment (2026-02-23): XXXXX<br>Reviewer Comment (2026-02-18): XXXXX<br>Buyer Comment (2026-02-17): XXXXX<br>| 02/24/2026 |  |  | 1<br> B<br> A<br> C |  | VA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 63340457 | 36155921 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Initial 4506-C is required to be signed by the borrower on the application date as per the guideline requirement. |  |  |  | Reviewer Comment (2026-02-24): XXXXX<br>Buyer Comment (2026-02-23): XXXXX<br>Reviewer Comment (2026-02-18): XXXXX<br>Buyer Comment (2026-02-17): XXXXX<br>| 02/24/2026 |  |  | 1<br> C<br> A |  | VA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63340457 | 36155922 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Initial 4506-C is required to be signed by the borrower on the application date as per the guideline requirement. |  |  |  | Reviewer Comment (2026-02-24): XXXXX<br>Buyer Comment (2026-02-23): XXXXX<br>Reviewer Comment (2026-02-18): XXXXX<br>Buyer Comment (2026-02-17): XXXXX<br>| 02/24/2026 |  |  | 1<br> C<br> A |  | VA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63340457 | 36155923 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 4506-C's provided are not signed by borrower on application date. |  |  |  | Reviewer Comment (2026-02-24): XXXXX<br>Buyer Comment (2026-02-23): XXXXX<br>Reviewer Comment (2026-02-18): XXXXX<br>Buyer Comment (2026-02-17): XXXXX<br>| 02/24/2026 |  |  | 1<br> C<br> A |  | VA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970730 | 36155925 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,050.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-06): XXXXX<br>|  | 02/06/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970730 | 36155928 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation mismatch due to DTI issue. |  |  |  | Reviewer Comment (2026-02-20): XXXXX<br>Buyer Comment (2026-02-18): XXXXX<br>| 02/20/2026 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970730 | 36155929 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | DTI Calculated as per provided income documents. |  |  |  | Reviewer Comment (2026-02-20): XXXXX<br>Buyer Comment (2026-02-18): XXXXX<br>| 02/20/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64212143 | 36155930 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2026-02-16): XXXXX<br>Buyer Comment (2026-02-13): XXXXX<br>| 02/16/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64212143 | 36155932 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - |  |  |  |  | Reviewer Comment (2026-02-16): XXXXX<br>Buyer Comment (2026-02-13): XXXXX<br>| 02/16/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64212143 | 36155934 |  | 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 $375.00 exceeds tolerance of $275.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance dated XX/XX/XX is required indicating the fee that is changing, the amount it is changing and the reason why. |  |  |  | Reviewer Comment (2026-02-23): XXXXX<br>Buyer Comment (2026-02-20): XXXXX<br>Reviewer Comment (2026-02-16): XXXXX<br>Buyer Comment (2026-02-13): XXXXX<br>| 02/23/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68398393 | 36155935 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2026-02-20): XXXXX<br>| 02/20/2026 |  |  | 1<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68398393 | 36155936 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Coverage amount not provided on preliminary title. |  |  |  | Reviewer Comment (2026-02-20): XXXXX<br>Buyer Comment (2026-02-19): XXXXX<br>| 02/20/2026 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68398393 | 36155937 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | QM failure due to missing income documentation. Third Party Verification/CPA letter is not provided for Transforming Business of Borrower. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>Reviewer Comment (2026-02-24): XXXXX<br>Buyer Comment (2026-02-23): XXXXX<br>Reviewer Comment (2026-02-20): XXXXX<br>Buyer Comment (2026-02-18): XXXXX<br>| 02/25/2026 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68398393 | 36155938 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | QM failure due to missing income documentation. Third Party Verification/CPA letter is not provided for XXXXX of Borrower. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>Buyer Comment (2026-02-24): XXXXX<br>Reviewer Comment (2026-02-24): XXXXX<br>Buyer Comment (2026-02-23): XXXXX<br>Reviewer Comment (2026-02-20): XXXXX<br>Buyer Comment (2026-02-18): XXXXX<br>| 02/25/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68398393 | 36155939 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | QM failure due to missing income documentation. Third Party Verification/CPA letter is not provided for Transforming Business of Borrower. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>Reviewer Comment (2026-02-24): XXXXX<br>Buyer Comment (2026-02-23): XXXXX<br>Reviewer Comment (2026-02-20): XXXXX<br>Buyer Comment (2026-02-18): XXXXX<br>| 02/25/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68398393 | 36155941 |  | 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 $401.30 exceeds tolerance of $395.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of $401.30 exceeds tolerance of $395.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-12): XXXXX<br>|  | 02/12/2026 |  | 1<br> A |  | CA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68398393 | 36155942 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: 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.) | QM failure due to missing income documentation. Third Party Verification/CPA letter is not provided for Transforming Business of Borrower. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>Reviewer Comment (2026-02-24): XXXXX<br>Buyer Comment (2026-02-23): XXXXX<br>Reviewer Comment (2026-02-20): XXXXX<br>Buyer Comment (2026-02-18): XXXXX<br>| 02/25/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68398393 | 36155943 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Third Party Verification/CPA letter is not provided for XXXXX of Borrower. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>Reviewer Comment (2026-02-24): XXXXX<br>Buyer Comment (2026-02-20): XXXXX<br>Reviewer Comment (2026-02-20): XXXXX<br>Buyer Comment (2026-02-18): XXXXX<br>| 02/25/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64271335 | 36155946 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Deed to transfer ownership of property is missing from file. |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-24): XXXXX<br>| 02/26/2026 |  |  | 1<br> D<br> A |  | NJ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64271335 | 36155947 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Initial XXXXX Rate Lock is missing and is required by the Lender. |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-24): XXXXX<br>| 02/26/2026 |  |  | 1<br> C<br> A |  | NJ | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68693922 | 36155949 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification document is not provided for REO property XXXXX. |  |  |  | Reviewer Comment (2026-02-27): XXXXX<br>Buyer Comment (2026-02-26): XXXXX<br>Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-25): XXXXX<br>| 02/27/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68693922 | 36155950 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Combined High loan to value discrepancy. | Calculated high loan to value percentage of ___ exceeds Guideline high loan to value percentage of ___ | Calculated high loan to value percentage of XX.XX% exceeds Guideline high loan to value percentage of 75.00000%. |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Buyer Comment (2026-02-27): XXXXX<br>Reviewer Comment (2026-02-27): XXXXX<br>Buyer Comment (2026-02-25): XXXXX<br>| 03/03/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68693922 | 36155951 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Calculated high loan to value percentage of XX.XX% exceeds Guideline high loan to value percentage of 75.00000% |  |  |  | Reviewer Comment (2026-03-03): XXXXX<br>Buyer Comment (2026-02-27): XXXXX<br>Reviewer Comment (2026-02-27): XXXXX<br>Buyer Comment (2026-02-25): XXXXX<br>| 03/03/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68693922 | 36155952 |  | 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. | Missing rate lock document. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-25): XXXXX<br>| 02/26/2026 |  |  | 1<br> B<br> A |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68693922 | 36155953 |  | 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 $950.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | The file is missing a valid Change of Circumstance for Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-19): XXXXX<br>|  | 02/19/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68693922 | 36155954 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,050.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. | The file is missing a valid Change of Circumstance for zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,050.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2026-02-19): XXXXX<br>|  | 02/19/2026 |  | 1<br> A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68693922 | 36155955 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower seeking CLTV at XX.XX% on a max of 75%. LTV at XX.XX% due to subordinate solar financing ,loan is over threshold. | 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 qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | Documentation Type: 2yr Full Doc<br> Disposable Income: $67,302.57<br>Reserves: 34.81<br> Guideline Requirement: 6.00<br>DTI: 28.40257%<br> Guideline Maximum DTI: 50.00000%<br>Decision System: DU / DO<br> DTI: 28.40257%<br>Decision System: DU / DO<br> Representative FICO: 762 | XXX<br>XXX<br>XXX<br>XXX<br>XXX | Reviewer Comment (2026-02-23): XXXXX<br>|  |  | 02/23/2026 | 2<br> B |  | CA | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62061440 | 36155957 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - |  |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-25): XXXXX<br>| 02/26/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62061440 | 36155958 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The calculated DTI exceeds the bid tape DTI. |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-25): XXXXX<br>| 02/26/2026 |  |  | 1<br> B<br> A<br> C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62061440 | 36155959 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The calculated DTI exceeds the bid tape DTI. |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-25): XXXXX<br>| 02/26/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62061440 | 36155960 |  | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. |  |  |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>Buyer Comment (2026-02-25): XXXXX<br>| 02/26/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62462549 | 36155963 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX or XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Title policy amount is not provided on document. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Buyer Comment (2026-03-03): XXXXX<br>| 03/05/2026 |  |  | 1<br> B<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62462549 | 36155964 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>| 03/05/2026 |  |  | 1<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66436164 | 36155970 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing a secondary appraisal. Per lender guides, loan amount over $XXXXX, the file must contain 2 full appraisals. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Buyer Comment (2026-03-04): XXXXX<br>| 03/05/2026 |  |  | 1<br> A |  | MA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68236480 | 36155974 |  | 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 $685.00 exceeds tolerance of $480.00 plus 10% or $528.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>|  | 02/26/2026 |  | 1<br> A |  | MA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68236480 | 36155975 |  | 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 $268.50 exceeds tolerance of $248.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-26): XXXXX<br>|  | 02/26/2026 |  | 1<br> A |  | MA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 64591965 | 36155977 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Buyer Comment (2026-03-04): XXXXX<br>| 03/05/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64591965 | 36155978 |  | 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. | Rate Lock document is missing. |  |  |  | Reviewer Comment (2026-03-05): XXXXX<br>Buyer Comment (2026-03-04): XXXXX<br>| 03/05/2026 |  |  | 1<br> B<br> A |  | FL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61205025 | 36156386 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Final Inspection / 442 is missing in file. |  |  |  | Reviewer Comment (2026-01-05): XXXXX<br>Buyer Comment (2026-01-05): XXXXX<br>| 01/05/2026 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61205025 | 36156387 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  | Reviewer Comment (2026-01-05): XXXXX<br>Buyer Comment (2026-01-02): XXXXX<br>| 01/05/2026 |  |  | 1<br> B<br> A |  | NV | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 61205025 | 36156388 |  | 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 XX/XX/XX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. |  |  |  |  | Buyer Comment (2026-01-02): XXXXX<br>|  |  | 01/02/2026 | 2<br> B |  | NV | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 61205025 | 36156390 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of 63.01785% exceeds guideline total debt ratio of 50.00000%. XXXXX P&L shows no income for current year for XXXXX, income removed. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>Buyer Comment (2026-02-25): XXXXX<br>Reviewer Comment (2026-01-16): XXXXX<br>Buyer Comment (2026-01-14): XXXXX<br>Reviewer Comment (2026-01-09): XXXXX<br>Buyer Comment (2026-01-09): XXXXX<br>Reviewer Comment (2026-01-07): XXXXX<br>Buyer Comment (2026-01-07): XXXXX<br>| 02/25/2026 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61205025 | 36156391 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 63.01785% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | XXXXX P&L shows no income for current year for XXXXX, income removed. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>Buyer Comment (2026-02-25): XXXXX<br>Reviewer Comment (2026-01-16): XXXXX<br>Buyer Comment (2026-01-14): XXXXX<br>Reviewer Comment (2026-01-09): XXXXX<br>Buyer Comment (2026-01-09): XXXXX<br>Reviewer Comment (2026-01-07): XXXXX<br>Buyer Comment (2026-01-07): XXXXX<br>| 02/25/2026 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61205025 | 36156392 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>Buyer Comment (2026-02-25): XXXXX<br>Reviewer Comment (2026-01-16): XXXXX<br>Buyer Comment (2026-01-14): XXXXX<br>Reviewer Comment (2026-01-09): XXXXX<br>Buyer Comment (2026-01-09): XXXXX<br>Reviewer Comment (2026-01-07): XXXXX<br>Buyer Comment (2026-01-07): XXXXX<br>| 02/25/2026 |  |  | 1<br> C<br> A |  | NV | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61205025 | 36156393 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>Buyer Comment (2026-02-25): XXXXX<br>Reviewer Comment (2026-01-16): XXXXX<br>Buyer Comment (2026-01-14): XXXXX<br>Reviewer Comment (2026-01-09): XXXXX<br>Buyer Comment (2026-01-09): XXXXX<br>Reviewer Comment (2026-01-07): XXXXX<br>Buyer Comment (2026-01-07): XXXXX<br>| 02/25/2026 |  |  | 1<br> B<br> A<br> C |  | NV | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 61699743 | 36156395 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Revised XXXXX needed as it's still showing City as XXXXX although as per sales contract addendum (XXX) property address to be updated to reflect City name as XXXXX. |  |  |  | Reviewer Comment (2026-01-30): XXXXX<br>Buyer Comment (2026-01-28): XXXXX<br>| 01/30/2026 |  |  | 1<br> C<br> A |  | UT | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 61699743 | 36156397 |  | Credit | Guideline | Guideline Issue | Guideline | Debt to Income Ratio (DTI) <= 3% |  | AUS reflects DTI 39.76, 1008 reflects 40.619 and review is at 42.97264%. |  |  |  | Reviewer Comment (2026-02-04): XXXXX<br>Buyer Comment (2026-02-03): XXXXX<br>Reviewer Comment (2026-01-30): XXXXX<br>Buyer Comment (2026-01-28): XXXXX<br>| 02/04/2026 |  |  | 1<br> A |  | UT | Second Home | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63042746 | 36156399 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Require AUS DU XXXXX, not found at time of review. |  |  |  | Reviewer Comment (2026-02-11): XXXXX<br>Buyer Comment (2026-02-10): XXXXX<br>| 02/11/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63042746 | 36156401 |  | 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 $900.00 exceeds tolerance of $600.00. $300.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $600.00 on Initial CD and $900.00 on Final CD. Evidence of cure not provided in file and no valid COC provided in file. |  |  |  | Reviewer Comment (2026-02-13): XXXXX<br>Buyer Comment (2026-02-12): XXXXX<br>Reviewer Comment (2026-02-11): XXXXX<br>Buyer Comment (2026-02-10): XXXXX<br>|  | 02/13/2026 |  | 2<br> C<br> B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 63042746 | 36156402 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XX/XX/XX 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 issued on XX/XX/XX 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 (2026-02-20): XXXXX<br>Buyer Comment (2026-02-19): XXXXX<br>Reviewer Comment (2026-02-18): XXXXX<br>Buyer Comment (2026-02-17): XXXXX<br>Reviewer Comment (2026-02-11): XXXXX<br>Buyer Comment (2026-02-10): XXXXX<br>| 02/20/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase | No Defined Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63042746 | 36156403 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Require additional assets to meet the reserve requirements. |  |  |  | Reviewer Comment (2026-02-11): XXXXX<br>Buyer Comment (2026-02-10): XXXXX<br>| 02/11/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63042746 | 36156404 |  | Credit | Guideline | Guideline Issue | Guideline | Guidelines require two years of Tax Transcripts (1040) when 1040 personal tax returns were used to qualify. File contains fewer than two 1040 transcripts. |  | Co-Borrower: XXXXX's Sole Proprietor Income is qualified with 2 Year Average Income (XXXXX and XXXXX), we have captured Tax Transcripts(1040) for the year XXXXX and XXXXX. Transcripts for the year XXXXX is missing for Co-Borrower. Lender Exception Doc Id D552 is captured for having XXXXX Tax Transcripts Waived. Returns were filed as there is account Transcript Doc Id D0002, CPA letter Doc Id D0600 also confirms the same, however required Tax Transcripts (1040) for the year XXXXX for Co-Borrower: XXXXX.<br> Borrower: XXXXX's Sole Proprietor Income is qualified with 1 Year Average Review for e Income (XXXXX), we have captured Tax Transcripts(1040) for the year XXXXX and XXXXX, for the year XXXXX we have Tax Transcripts(1040) with no results returned.<br>Review for acceptance downgrade consideration for missing XXXXX transcripts for both borrowers. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>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. | 783 vs 660 | XXX,Aggregator<br>XXX<br>XXX<br>XXX | Reviewer Comment (2026-01-14): XXXXX<br>Buyer Comment (2026-01-14): XXXXX<br>|  |  | 01/14/2026 | 2<br> C<br> B |  | FL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63042746 | 36156405 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-02-11): XXXXX<br>Buyer Comment (2026-02-10): XXXXX<br>| 02/11/2026 |  |  | 1<br> B<br> A<br> C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 63042746 | 36156406 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The loan was approved with an Originator Loan Designation of (Safe Harbor-QM) but the required Assets to meet Reserves Requirement required per Investor Guidelines was not provided causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (2026-02-11): XXXXX<br>Buyer Comment (2026-02-10): XXXXX<br>| 02/11/2026 |  |  | 1<br> C<br> A |  | FL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68972240 | 36156408 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Valuation address does not match Note address, street address mentioned on appraisal as 'XXXXX' and title reflects 'XXXXX'. |  |  |  | Reviewer Comment (2026-02-24): XXXXX<br>Buyer Comment (2026-02-23): XXXXX<br>| 02/24/2026 |  |  | 1<br> C<br> A |  | NJ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68972240 | 36156410 |  | 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 $423.04 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-10): XXXXX<br>|  | 02/10/2026 |  | 1<br> A |  | NJ | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 68972240 | 36156413 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. LCA Risk Score is 3. |  |  |  | Reviewer Comment (2026-02-23): XXXXX<br>Buyer Comment (2026-02-20): XXXXX<br>| 02/23/2026 |  |  | 1<br> D<br> A |  | NJ | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64947364 | 36156421 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  |  |  | Reviewer Comment (2026-02-25): XXXXX<br>Buyer Comment (2026-02-25): XXXXX<br>Reviewer Comment (2026-02-24): XXXXX<br>| 02/25/2026 |  |  | 1<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 63476143 | 36156574 |  | Credit | Guideline | Guideline Issue | Guideline | Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $2000. |  | Loan is Rate/Term and revolving debt for XXXXX is being paid off and is not allowed as per guidelines. |  |  |  | Reviewer Comment (2026-02-18): XXXXX<br>Reviewer Comment (2026-02-17): XXXXX<br>Buyer Comment (2026-02-17): XXXXX<br>| 02/18/2026 |  |  | 1<br> C<br> A |  | UT | Primary | Refinance - Cash-out - Other |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62129201 | 36156595 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report is missing in file for both borrowers. |  |  |  | Reviewer Comment (2025-12-26): XXXXX<br>Buyer Comment (2025-12-26): XXXXX<br>| 12/26/2025 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62129201 | 36156596 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-12-30): XXXXX<br>Buyer Comment (2025-12-30): XXXXX<br>| 12/30/2025 |  |  | 1<br> D<br> A |  | IL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62129201 | 36156597 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI & RCE reflects subject property address as "XXXXX" however as per Note subject address is "XXXXX" required updated HOI policy & RCE with correct subject property address. |  |  |  | Reviewer Comment (2026-02-04): XXXXX<br>Buyer Comment (2026-02-03): XXXXX<br>Reviewer Comment (2026-02-02): XXXXX<br>Buyer Comment (2026-01-30): XXXXX<br>Reviewer Comment (2026-01-26): XXXXX<br>Buyer Comment (2026-01-26): XXXXX<br>| 02/04/2026 |  |  | 1<br> C<br> A |  | IL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62129201 | 36156601 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | New exception as a result new documentation provided. New insurance policy provided with increased premium. Provide a PCCD reflecting new premium and adjusted escrow amount and a revised and initial escrow disclosure notice. . |  |  |  | Reviewer Comment (2026-02-10): XXXXX<br>Buyer Comment (2026-02-06): XXXXX<br>Reviewer Comment (2026-02-05): XXXXX<br>Buyer Comment (2026-02-04): XXXXX<br>| 02/10/2026 |  |  | 1<br> A |  | IL | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60790564 | 36156690 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | Missing transcripts for the income years documented in file. |  |  |  | Reviewer Comment (2026-02-02): XXXXX<br>Buyer Comment (2026-01-30): XXXXX<br>| 02/02/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60790564 | 36156691 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | Missing transcripts for the income years documented in file. |  |  |  | Reviewer Comment (2026-02-02): XXXXX<br>Buyer Comment (2026-01-30): XXXXX<br>| 02/02/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 60790564 | 36156692 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). | - | Missing transcripts for the income years documented in file. |  |  |  | Reviewer Comment (2026-02-02): XXXXX<br>Buyer Comment (2026-01-30): XXXXX<br>| 02/02/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67762457 | 36156755 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. CU Score is 2.6. |  |  |  | Reviewer Comment (2026-02-17): XXXXX<br>Buyer Comment (2026-02-17): XXXXX<br>| 02/17/2026 |  |  | 1<br> D<br> A |  | NC | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68993173 | 36156762 |  | Compliance | Compliance | State Compliance | State Defect | XXXXX SB 1894 | XXXXX (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | XXXXX - County - Certificate of Compliance or Exemption - SB1894 discosure not provided. |  |  |  | Reviewer Comment (2026-02-06): XXXXX<br>Buyer Comment (2026-02-05): XXXXX<br>| 02/06/2026 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68993173 | 36156763 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2026-02-05): XXXXX<br>Buyer Comment (2026-02-04): XXXXX<br>| 02/05/2026 |  |  | 1<br> B<br> A |  | IL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 68993173 | 36156764 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Subject property address "XXXXX" per Note not matching with Title Commitment "XXXXX". |  |  |  | Reviewer Comment (2026-02-09): XXXXX<br>Buyer Comment (2026-02-06): XXXXX<br>| 02/09/2026 |  |  | 1<br> C<br> A |  | IL | Primary | Refinance - Rate/Term |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 69063734 | 36156767 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate reflects subject City name as "XXXXX" however as per title, subject city name is "XXXXX". |  |  |  | Reviewer Comment (2026-02-11): XXXXX<br>Buyer Comment (2026-02-10): XXXXX<br>| 02/11/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66704977 | 36156787 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | XXXXX - Supporting document is missing to verify free & clear status of this property. |  |  |  | Reviewer Comment (2026-02-09): XXXXX<br>Buyer Comment (2026-02-05): XXXXX<br>| 02/09/2026 |  |  | 1<br> C<br> A |  | CT | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66704977 | 36156788 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Reviewer Comment (2026-02-06): XXXXX<br>Buyer Comment (2026-02-05): XXXXX<br>| 02/06/2026 |  |  | 1<br> B<br> A |  | CT | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66704977 | 36156789 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Reviewer Comment (2026-02-06): XXXXX<br>Buyer Comment (2026-02-05): XXXXX<br>| 02/06/2026 |  |  | 1<br> B<br> A |  | CT | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66704977 | 36156791 |  | 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 $5,500.00 exceeds tolerance of $0.00. $5,500.00 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was disclosed as $0.00 on Initial CD and $5,500 on Final CD. No Evidence of cure and no valid COC provided in file. |  |  |  | Reviewer Comment (2026-02-06): XXXXX<br>Buyer Comment (2026-02-05): XXXXX<br>| 02/06/2026 |  |  | 1<br> C<br> A |  | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66704977 | 36156792 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. |  | Comparable 5 photo is not available in the appraisal report. |  |  |  | Reviewer Comment (2026-02-11): XXXXX<br>Buyer Comment (2026-02-11): XXXXX<br>| 02/11/2026 |  |  | 1<br> C<br> A |  | CT | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66946470 | 36156823 |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | The file was missing the Right To Receive Copy of Appraisal disclosure or proof of the borrower's receipt within 3 days of originator application date. Application date XX/XX/XX |  |  |  | Reviewer Comment (2026-02-08): XXXXX<br>Buyer Comment (2026-02-06): XXXXX<br>| 02/08/2026 |  |  | 1<br> B<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66946470 | 36156824 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXXX): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. |  |  |  | Reviewer Comment (2026-02-10): XXXXX<br>Buyer Comment (2026-02-06): XXXXX<br>| 02/10/2026 |  |  | 1<br> B<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66946470 | 36156825 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  | Reviewer Comment (2026-02-10): XXXXX<br>Buyer Comment (2026-02-06): XXXXX<br>| 02/10/2026 |  |  | 1<br> B<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 66946470 | 36156827 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $175.00 compared to the calculated Amount Financed of $XXX 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 XX/XX/XX). | Amount Financed disclosed is $XXX. Calculated Amount Financed is $XXX Variance of $175.00. Courier fee $250 not included. |  |  |  | Reviewer Comment (2026-02-09): XXXXX<br>Buyer Comment (2026-02-06): XXXXX<br>| 02/09/2026 |  |  | 1<br> C<br> A |  | TX | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66946470 | 36156828 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX 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 $XXX is under disclosed by $175.00 compared to the calculated Finance Charge of $XXX which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Finance Charge disclosed is $XXX. Calculated finance charge is $XXX. Variance of -$175.00. Courier fee $250 not included. |  |  |  | Reviewer Comment (2026-02-09): XXXXX<br>Buyer Comment (2026-02-06): XXXXX<br>| 02/09/2026 |  |  | 1<br> C<br> A |  | TX | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 66946470 | 36156829 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Initial Loan Estimate Timing Electronically not Provided. Application date XX/XX/XX |  |  |  | Reviewer Comment (2026-02-08): XXXXX<br>Buyer Comment (2026-02-06): XXXXX<br>| 02/08/2026 |  |  | 1<br> C<br> A |  | TX | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62138988 | 36156840 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Required WVOE for employer XXXXX of co-borrower, to verify the consistency of bonus income. Provided document does not reflect bonus amounts hence considered form underwriting worksheet. |  |  |  | Reviewer Comment (2026-02-17): XXXXX<br>Buyer Comment (2026-02-17): XXXXX<br>| 02/17/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62138988 | 36156842 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Required additional assets to meet the closing/reserves requirement. |  |  |  | Reviewer Comment (2026-02-17): XXXXX<br>Buyer Comment (2026-02-17): XXXXX<br>| 02/17/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62138988 | 36156844 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-02-18): XXXXX<br>Buyer Comment (2026-02-18): XXXXX<br>Reviewer Comment (2026-02-17): XXXXX<br>Buyer Comment (2026-02-17): XXXXX<br>| 02/18/2026 |  |  | 1<br> B<br> A<br> C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 62138988 | 36156845 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-02-18): XXXXX<br>Buyer Comment (2026-02-18): XXXXX<br>Reviewer Comment (2026-02-17): XXXXX<br>Buyer Comment (2026-02-17): XXXXX<br>| 02/18/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62138988 | 36156847 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Required additional assets to meet the reserves requirement of 6 months. |  |  |  | Reviewer Comment (2026-02-17): XXXXX<br>Buyer Comment (2026-02-17): XXXXX<br>| 02/17/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62138988 | 36156848 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | Transcripts (1040) provided for year XXXXX. Missing XXXXX transcripts for the income documentation provided. |  |  |  | Reviewer Comment (2026-02-18): XXXXX<br>Buyer Comment (2026-02-18): XXXXX<br>| 02/18/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 62138988 | 36156849 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | Transcripts (1040) provided for year XXXXX. Missing XXXXX transcripts for the income documentation provided. |  |  |  | Reviewer Comment (2026-02-18): XXXXX<br>Buyer Comment (2026-02-18): XXXXX<br>| 02/18/2026 |  |  | 1<br> C<br> A |  | CA | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67668382 | 36156913 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | Missing transcripts for the income year documentation provided. |  |  |  | Reviewer Comment (2026-02-19): XXXXX<br>Buyer Comment (2026-02-19): XXXXX<br>| 02/19/2026 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 67668382 | 36156914 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-02-19): XXXXX<br>Buyer Comment (2026-02-19): XXXXX<br>| 02/19/2026 |  |  | 1<br> B<br> A<br> C |  | UT | Primary | Purchase | Lender to provide updated ATR/QM status | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | 67668382 | 36156915 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2026-02-19): XXXXX<br>Buyer Comment (2026-02-19): XXXXX<br>| 02/19/2026 |  |  | 1<br> C<br> A |  | UT | Primary | Purchase |  | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | 64610197 | 36156963 |  | 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 XXXXX. Fee Amount of $171.25 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2026-02-05): XXXXX<br>|  | 02/05/2026 |  | 1<br> A |  | PA | Primary | Purchase | Final CD evidences Cure | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |

---

## Exhibit 99.1

![](situs_logo.jpg)

#### Valuation Report

#### Run Date - 3/31/2026 5:45:56 PM

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique 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 Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [redacted] | [redacted] | [redacted] | [redacted] | 66505537 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review <br>|  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60430719 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62098630 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62640350 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 60699338 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63177662 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63900722 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64936179 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61002802 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66829104 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68730022 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64663121 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61379576 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69100443 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62537430 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69989656 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61542397 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69572361 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68559516 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66717922 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60933256 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60103090 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66621660 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 63660787 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65450762 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64182247 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62889016 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66235715 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61720189 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 66915495 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62621967 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65122780 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63796544 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.600% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62557785 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62797896 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68099324 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66782640 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65329197 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65989754 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66766777 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69647585 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61030507 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69066614 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62675458 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.30 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63950111 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69039811 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65291710 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68621450 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60971701 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63732347 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67243612 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61868484 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.710% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66397145 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63251272 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 68746181 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68545331 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 68111751 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69841766 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.190% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63791833 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.150% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62220756 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.540% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 65488278 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60059301 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63641914 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63003003 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63221908 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60651657 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68531717 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67340919 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67665981 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67747653 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66178532 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 60868527 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61048975 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64604511 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.310% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 60881151 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 69137024 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63234391 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63497682 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 66963285 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.430% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 62482871 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69965261 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64264717 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61849726 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68025863 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 69279085 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.370% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 65264542 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63278846 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60391528 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64980108 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63594647 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62087037 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.870% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68325073 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60148838 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64150264 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66690265 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65065213 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69398794 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65950515 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62198194 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66945578 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 66812554 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63260899 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60859891 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62240448 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62200626 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 60440129 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64605964 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.450% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 65169398 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63013060 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.760% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68177039 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69978512 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 69027785 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 68359438 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68682853 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.720% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63834181 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66848153 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69515751 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68591687 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.680% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 63446543 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67606493 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61327794 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 66693862 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64772164 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66482723 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65827486 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66725683 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.720% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66482458 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69425219 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65633404 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66553284 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62905379 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63448955 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62775058 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60009803 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64575316 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60568149 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65774243 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65397542 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.790% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67605331 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65321881 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.660% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66606090 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61579747 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 65483560 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63495225 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65938789 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65456988 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61213080 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.450% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67637745 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 63266390 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66093091 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63596364 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63212900 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67231016 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 62130903 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65517979 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63996294 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66414410 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67061124 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63681024 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64715674 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60880622 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63103538 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60994411 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62726094 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.410% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62134511 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68197695 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67256692 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69276724 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62895656 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.550% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60620817 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67847433 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63045962 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.030% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68330488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62970311 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68849676 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63964907 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69513521 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60576489 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64628759 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68041967 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68452970 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65100803 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68192486 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64713282 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64348453 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.520% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62209981 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60464897 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.870% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68608268 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65744474 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63111164 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62075262 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64882831 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66690528 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65323423 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69311027 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64203740 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67063980 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65583630 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61269320 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63243490 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60562368 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61614363 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62112448 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64593644 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67456039 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65351872 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.570% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68648438 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60905564 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67979964 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66478254 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61359294 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60842587 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 66356689 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64367899 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66644146 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67961348 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67734744 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.620% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64812033 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69918749 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69923607 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66502061 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63340457 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970730 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.330% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64212143 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68398393 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64271335 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.70 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68693922 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.450% |  |  | Appraisal |  |  |  |  |  | -13.490% |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62061440 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64964463 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62462549 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67822315 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66436164 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.340% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68236480 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64591965 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61205025 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68619044 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61699743 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63042746 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68972240 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 66230589 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64947364 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63476143 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62129201 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60790564 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.840% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 67762457 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68993173 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 69063734 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66704977 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66946470 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62138988 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.190% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67668382 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 67435240 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| [redacted] | [redacted] | [redacted] | [redacted] | 64610197 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |

---

## Exhibit 99.1

![](situs_logo.jpg)<br>

#### Supplemental Data

#### Run Date - 3/31/2026 5:45:56 PM

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Unique 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** | **Total Number of Mortgaged Properties** | **Amortization Term Less IO** |
| [redacted] | [redacted] | [redacted] | [redacted] | 66505537 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14697.50 | $16236.98 |  | XX.XX% | $5307.48 | $5307.48 | 6.125% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22204.54 | 1 | $8211.24 | $3045.00 | $684.27 | $253.75 |  |  |  |  |  | 32.226% | 32.226% | 32.226% | 7/XX/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $14697.50 |  | 6.790% | $0.00 | 4.1 | DU |  | ApproveIneligible | Yes | No | 6.125% | 0 | 2 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $365963.52 |  | No |  | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | No | 58.13 |  | No | No |  | $0.00 | $12529.92 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60430719 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $16911.88 | $19360.11 |  | XX.XX% | $5031.51 | $5031.51 | 6.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12691.84 | 1 | $7462.80 | $2193.00 | $621.90 | $182.75 |  |  |  |  |  | 32.310% | 32.310% | 32.310% | 7/XX/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16911.88 |  | 6.750% | $2403.50 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.375% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $357292.76 | 34.190% | No | 11 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 16.04 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62098630 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1890.00 | $11165.98 |  | XX.XX% | $6238.70 | $6238.70 | 6.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12878.80 | 1 | $10821.00 | $1737.96 | $901.75 | $144.83 |  |  |  |  |  | 49.117% | 49.117% | 49.117% | 5/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-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]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1890.00 |  | 6.750% | $0.00 | 5.0 | DU |  | ApproveIneligible | No | No | 6.375% | 1 | 1 | 2 | 0 | 1 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $271275.34 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 23.87 |  | No | No |  | $12680.81 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62640350 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9355.00 | $13260.21 |  | XX.XX% | $10048.50 | $10048.50 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21488.05 | 1 | $7141.80 | $4194.96 | $595.15 | $349.58 |  |  |  |  |  | 37.868% | 37.868% | 37.868% | 6/XX/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9355.00 |  | 6.630% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.250% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $604089.74 | 29.610% | No | 30 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.94 |  |  | No |  | $0.00 | $10416.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60699338 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11139.64 | $16845.14 |  | XX.XX% | $5895.98 | $5895.98 | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20507.91 | 1 | $18645.24 | $3572.04 | $1553.77 | $297.67 |  |  |  |  |  | 39.977% | 39.977% | 39.977% | 7/XX/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11139.64 |  | 6.610% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.625% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $430496.34 | 37.400% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.99 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63177662 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1670.00 | $8588.86 |  | XX.XX% | $7110.77 | $7110.77 | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35692.04 | 1 | $10415.16 | $2492.76 | $867.93 | $207.73 |  |  |  |  |  | 25.677% | 25.677% | 25.677% | 8/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1670.00 |  | 6.310% | $0.00 | 4.3 | DU |  | ApproveIneligible | No | No | 6.500% | 0 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $1686020.25 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 156.82 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63900722 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1990.00 | $21722.65 |  | XX.XX% | $10567.08 | $10567.08 | 6.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $45015.05 | 1 | $26988.48 | $9606.96 | $2249.04 | $800.58 |  |  |  |  |  | 28.837% | 28.837% | 28.837% | 8/XX/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; Account Transcripts - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1990.00 |  | 6.630% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | 6.000% | 2 | 2 | 2 | 0 | 2 | 3 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $131496.01 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 8.16 |  | No | No |  | $37624.42 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64936179 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7431.00 | $8986.59 |  | XX.XX% | $9520.86 | $9520.86 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23136.06 | 1 | $16185.60 | $6555.00 | $1348.80 | $546.25 |  |  |  |  |  | 43.085% | 43.085% | 43.085% | 9/XX/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 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 |  |  | XXX | $7431.00 |  | 6.540% | $19625.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.000% | 2 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $750979.61 | 37.830% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.96 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61002802 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13982.20 | $14198.23 |  | XX.XX% | $5050.01 | $5050.01 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13586.86 | 1 | $12755.04 | $1775.04 | $1062.92 | $147.92 |  |  |  |  |  | 40.811% | 40.811% | 40.811% | 9/XX/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $13982.20 |  | 6.570% | $0.00 | 3.8 | DU |  | ApproveEligible | No | No | 6.000% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $67960.39 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 10.83 |  | No | No |  | $0.00 | $7052.58 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66829104 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9943.25 | $10905.17 |  | XX.XX% | $2781.31 | $2781.31 | 6.000% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5425.94 | 1 | $16019.64 | $1442.04 | $1334.97 | $120.17 |  |  |  |  |  | 45.338% | 45.338% | 45.338% | 7/XX/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9943.25 |  | 6.750% | $0.00 | 3.1 | DU |  | ApproveEligible | N/A | No | 6.000% | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $25129.46 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.71 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68730022 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $12302.50 | $15924.04 |  | XX.XX% | $6878.48 | $6878.48 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11828.78 | 1 | $18137.52 | $1882.08 | $1511.46 | $156.84 |  |  |  |  |  | 43.280% | 43.280% | 43.280% | 6/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12302.50 |  | 6.630% | $6532.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 6.500% | 2 | 1 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 9/XX/2055 | $535874.81 | 36.930% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 18.7 |  |  | No |  | $0.00 | $8797.49 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64663121 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16087.55 | $20807.40 |  | XX.XX% | $11985.01 | $11985.01 | 6.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22703.72 | 1 | $16102.92 | $4073.88 | $1341.91 | $339.49 |  |  |  |  |  | 39.933% | 39.933% | 39.933% | 10/XX/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16087.55 |  | 6.160% | $0.00 | 2.1 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.000% | 1 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $30100.60 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61379576 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26911.26 | $40464.53 |  | XX.XX% | $5814.85 | $5814.85 | 5.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22292.39 | 1 | $4641.24 | $1512.96 | $386.77 | $126.08 |  |  |  |  |  | 27.852% | 27.852% | 27.852% | 10/XX/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $26911.26 |  | 6.290% | $21225.00 | 2.6 | DU |  | ApproveIneligible | No | No | 5.000% | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $436642.77 | 31.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69100443 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15601.26 | $17571.45 |  | XX.XX% | $7189.51 | $7189.51 | 5.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13099.50 | 1 | $10947.84 | $13401.00 | $912.32 | $1116.75 |  |  |  |  |  | 43.329% | 43.329% | 43.329% | 10/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $15601.26 |  | 6.240% | $0.00 | 1.8 | DU |  | ApproveIneligible | Yes | No | 5.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $29389.53 |  | No | 34 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.15 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62537430 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3544.00 | $19928.66 |  | XX.XX% | $5871.70 | $5871.70 | 5.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10618.09 | 1 | $9752.16 | $4795.08 | $812.68 | $399.59 |  |  |  |  |  | 42.484% | 42.484% | 42.484% | 12/XX/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3544.00 |  | 6.160% | $0.00 | 4.2 | DU |  | ApproveIneligible | No | No | 5.625% | 0 | 0 | 2 | 0 | 3 | 3 |  |  | 10.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $132472.31 | 10.380% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 26.54 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69989656 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14873.28 | $10651.86 |  | XX.XX% | $6162.53 | $6162.53 | 5.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25705.97 | 1 | $16831.32 | $6284.76 | $1402.61 | $523.73 |  |  |  |  |  | 24.115% | 24.115% | 24.115% | 11/XX/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $14873.28 |  | 6.160% | $0.00 | 1.7 | LP / LPA |  | Accept/Eligible | Yes | No | 5.750% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $421218.59 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.8 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61542397 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1425.00 | $8979.75 |  | XX.XX% | $4835.51 | $4835.51 | 5.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15174.21 | 1 | $7676.04 | $7584.00 | $639.67 | $632.00 |  |  |  |  |  | 38.690% | 38.690% | 38.690% | 11/XX/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1425.00 |  | 6.170% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 5.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $233929.09 | 22.270% | No | 22 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.38 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69572361 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1520.00 | $4468.00 |  | XX.XX% | $8797.84 | $8797.84 | 6.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | Turkey |  |  | $34355.60 | 1 | $21572.28 | $768.96 | $1797.69 | $64.08 |  |  |  |  |  | 33.939% | 33.939% | 33.939% | 12/XX/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1520.00 |  | 6.320% | $0.00 | 2.4 | DU |  | ApproveIneligible | Yes | No | 6.375% | 0 | 0 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $154321.59 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Passport |  |  | No | 21.41 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68559516 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5995.40 | $12065.75 |  | XX.XX% | $5346.97 | $5346.97 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9592.58 | 1 | $13380.84 | $1815.00 | $1115.07 | $151.25 |  |  |  |  |  | 41.530% | 41.530% | 41.530% | 11/XX/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5995.40 |  | 6.230% | $10800.00 | 2.3 | LP / LPA |  | Accept/Eligible | N/A | No | 6.125% | 0 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $243670.01 | 22.150% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 2.58 |  |  | No |  | $0.00 | $8739.21 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66717922 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $22079.10 | $45633.24 |  | XX.XX% | $5867.46 | $5867.46 | 5.000% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $16521.56 | 1 | $24740.40 | $5496.96 | $2061.70 | $458.08 |  |  |  |  |  | 42.470% | 42.470% | 42.470% | 12/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $22079.10 |  | 6.230% | $0.00 | 3.2 | DU |  | ApproveIneligible | No | No | 5.000% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $94386.18 |  | No | 1 | 35 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 8.8 |  | No | No |  | $0.00 | $15801.24 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60933256 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21825.00 | $24870.65 |  | XX.XX% | $5599.71 | $5599.71 | 5.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $39335.72 | 1 | $20267.04 | $1577.04 | $1688.92 | $131.42 |  |  |  |  |  | 33.329% | 33.329% | 33.329% | 11/XX/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [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 |  |  | XXX | $21825.00 |  | 6.230% | $0.00 | 1.8 | DU |  | ApproveIneligible | No | No | 5.375% | 0 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $314442.47 | 25.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 1.83 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60103090 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12070.00 | $14529.56 |  | XX.XX% | $6069.16 | $6069.16 | 5.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9952.82 | 1 | $20662.32 | $3045.96 | $1721.86 | $253.83 |  |  |  |  |  | 48.430% | 48.430% | 48.430% | 11/XX/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2026<br> [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12070.00 |  | 6.190% | $15000.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 5.750% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $458396.47 | 31.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 15.62 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66621660 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2313.75 | $4373.91 |  | XX.XX% | $6520.11 | $6520.11 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17294.94 | 1 | $13787.04 | $2751.00 | $1148.92 | $229.25 |  |  |  |  |  | 37.109% | 37.109% | 37.109% | 11/XX/2025 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2313.75 |  | 6.190% | $0.00 |  | DU |  | ApproveIneligible | Yes | No | 6.000% | 1 |  | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $243156.72 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.08 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63660787 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16931.16 | $9110.88 |  | XX.XX% | $5049.37 | $5049.37 | 5.875% | No | No | Non-Employment Income | Non-Employment Income | Non-Employment Income |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11060.61 | 1 | $4816.44 | $2244.00 | $401.37 | $187.00 |  |  |  |  |  | 44.866% | 44.866% | 44.866% | 9/XX/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2020<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2020<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16931.16 |  | 6.630% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 5.875% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $9936.15 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.88 |  | No | No |  | $18322.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65450762 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9668.74 | $11066.66 |  | XX.XX% | $6366.43 | $6366.43 | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27202.77 | 1 | $30635.52 | $10989.72 | $2552.96 | $915.81 |  |  |  |  |  | 26.554% | 26.554% | 26.554% | 9/XX/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 |  |  | XXX | $9668.74 |  | 6.310% | $15000.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | 5.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 11/XX/2055 | $510712.60 | 35.580% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.45 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64182247 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16539.94 | $37486.38 |  | XX.XX% | $4969.21 | $4969.21 | 5.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29706.03 | 1 | $10719.84 | $3024.00 | $893.32 | $252.00 |  |  |  |  |  | 40.843% | 40.843% | 40.843% | 11/XX/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16539.94 |  | 6.190% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 5.250% | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $178034.25 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II |  | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 26.88 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62889016 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2698.22 | $2698.22 |  | XX.XX% | $5471.72 | $5471.72 | 5.875% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | United States of America | United States of America |  |  | $15214.50 | 1 | $5333.16 | $6273.00 | $444.43 | $522.75 |  |  |  |  |  | 39.142% | 39.142% | 39.142% | 12/XX/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2698.22 |  | 6.190% | $0.00 | 2.5 | LP / LPA |  | Accept/Ineligible | Yes | No | 5.875% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $122321.26 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Employment Authorization | Employment Authorization |  |  | No | 17.25 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66235715 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12765.00 | $18973.82 |  | XX.XX% | $6246.24 | $6246.24 | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24776.18 | 1 | $5643.12 | $2457.00 | $470.26 | $204.75 |  |  |  |  |  | 25.672% | 25.672% | 25.672% | 11/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $12765.00 |  | 6.190% | $0.00 | 4.7 | DU |  | ApproveIneligible | Yes | No | 6.125% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $987773.50 | 76.860% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 101.49 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61720189 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1570.00 | $7312.08 |  | XX.XX% | $8469.71 | $8469.71 | 6.500% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36622.66 | 1 | $8598.24 | $11314.68 | $716.52 | $942.89 |  |  |  |  |  | 33.464% | 33.464% | 33.464% | 11/XX/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1570.00 |  | 6.190% | $10000.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 6.500% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $583730.26 | 34.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 22.5 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66915495 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1900.00 | $26051.10 |  | XX.XX% | $7098.45 | $7098.45 | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14523.32 | 1 | $23790.00 | $1701.72 | $1982.50 | $141.81 |  |  |  |  |  | 42.536% | 42.536% | 42.536% | 11/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1900.00 |  | 6.190% | $0.00 | 1.4 | DU |  | ApproveIneligible | No | No | 5.875% | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $1548463.17 | 65.080% | No | 1 | 34 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 35.39 |  | No | No |  | $0.00 | $6940.43 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62621967 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $0.00 |  | XX.XX% | $6908.92 | $6908.92 | 5.000% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31028.09 | 1 | $31530.72 | $3511.20 | $2627.56 | $292.60 |  |  |  |  |  | 28.397% | 28.397% | 28.397% | 12/XX/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.220% | $41827.13 | 1.0 | DU |  | ApproveIneligible | N/A | No | 5.000% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $516966.24 | 32.130% | No | 34 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 19.24 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65122780 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1750.00 | $8327.43 |  | XX.XX% | $6573.51 | $6573.51 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10785.05 | 1 | $8276.76 | $3360.12 | $689.73 | $280.01 |  |  |  |  |  | 47.783% | 47.783% | 47.783% | 11/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [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 |  |  | XXX | $1750.00 |  | 6.270% | $0.00 | 1.1 | DU |  | ApproveEligible | Yes | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $251993.81 |  | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.27 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63796544 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $40261.37 | $43463.27 |  | XX.XX% | $11509.08 | $11509.08 | 5.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $80184.64 | 1 | $41084.04 | $8949.96 | $3423.67 | $745.83 |  |  |  |  |  | 29.517% | 29.517% | 29.517% | 12/XX/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $40261.37 |  | 6.130% | $0.00 | 1.7 | LP / LPA |  | Accept/Ineligible | N/A | No | 5.500% | 1 | 0 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $715687.16 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 45.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62557785 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11720.79 | $15417.67 |  | XX.XX% | $9359.68 | $9359.68 | 6.250% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $76142.77 | 1 | $5642.52 | $3429.96 | $470.21 | $285.83 |  |  |  |  |  | 26.417% | 26.417% | 26.417% | 11/XX/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 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]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11720.79 |  | 6.270% | $0.00 | 3.6 | DU |  | ApproveIneligible | No | No | 6.250% | 0 | 2 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $182926.19 |  | No |  | 36 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 17.9 |  | No | No |  | ($1724.00) | $105203.31 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62797896 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1670.00 | $9361.50 |  | XX.XX% | $10559.55 | $10559.55 | 6.250% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18660.84 | 1 | $22709.76 | $5516.04 | $1892.48 | $459.67 |  |  |  |  |  | 48.074% | 48.074% | 48.074% | 10/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1670.00 |  | 6.270% | $35000.00 | 3.2 | DU |  | ApproveIneligible | Yes | No | 6.250% | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $782313.55 | 31.930% | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.11 |  | No | No |  | $3534.88 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68099324 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2865.00 | $2330.33 |  | XX.XX% | $8259.58 | $8259.58 | 5.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24710.32 | 1 | $12909.60 | $3725.28 | $1075.80 | $310.44 |  |  |  |  |  | 30.022% | 30.022% | 30.022% | 1/XX/2026 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [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 |  |  | XXX | $2865.00 |  | 6.180% | $340000.00 | 1.3 | DU |  | ApproveIneligible | No | No | 5.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $338749.60 | 17.150% | No | 3 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.07 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66782640 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17510.00 | $18613.56 |  | XX.XX% | $7786.18 | $7786.18 | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15375.71 | 1 | $6946.56 | $3081.84 | $578.88 | $256.82 |  |  |  |  |  | 42.017% | 42.017% | 42.017% | 12/XX/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $17510.00 |  | 6.100% | $270000.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | 6.625% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $128396.27 | 8.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.23 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65329197 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $2979.96 |  | XX.XX% | $5615.34 | $5615.34 | 6.250% | No | No | Non-Employment Income | Non-Employment Income | Non-Employment Income |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14997.81 | 1 | $2048.40 | $2105.04 | $170.70 | $175.42 |  |  |  |  |  | 29.350% | 29.350% | 29.350% | 12/XX/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | 6.270% | $0.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $544566.97 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 89.01 |  |  | No |  | $9833.51 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65989754 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1670.00 | $3912.73 |  | XX.XX% | $6382.21 | $6382.21 | 6.750% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $92506.50 | 1 | $3946.56 | $4236.96 | $328.88 | $353.08 |  |  |  |  |  | 15.030% | 15.030% | 15.030% | 12/XX/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1670.00 |  | 6.250% | $2000.00 | 3.8 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.750% | 2 | 2 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $540491.25 | 43.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 39.28 |  | No | No |  | $0.00 | $15196.13 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66766777 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.96 | $7509.14 |  | XX.XX% | $12068.06 | $12068.06 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21515.36 | 1 | $17496.84 | $2886.00 | $1458.07 | $240.50 |  |  |  |  |  | 43.430% | 43.430% | 43.430% | 1/XX/2026 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $6194.96 |  | 6.060% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.250% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $388047.78 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.27 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69647585 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $4275.90 |  | XX.XX% | $8766.58 | $8766.58 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20281.91 | 1 | $6891.96 | $3511.08 | $574.33 | $292.59 |  |  |  |  |  | 43.878% | 43.878% | 43.878% | 12/XX/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.250% | $0.00 | 1.4 | DU |  | ApproveIneligible | No | No | 6.250% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $1134396.71 |  | No | 34 | 34 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 117.76 |  | No | No |  | $0.00 | $22082.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61030507 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2270.00 | $5812.62 |  | XX.XX% | $6965.65 | $6965.65 | 6.125% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20294.74 | 1 | $18125.04 | $2700.96 | $1510.42 | $225.08 |  |  |  |  |  | 35.346% | 35.346% | 35.346% | 12/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2270.00 |  | 6.250% | $20000.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 180 | Not Stated |  |  |  | 2/XX/2056 | $5997453.76 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.72 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69066614 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $29697.50 | $16122.85 |  | XX.XX% | $10986.72 | $10986.72 | 5.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $111589.36 | 1 | $17936.16 | $16233.36 | $1494.68 | $1352.78 |  |  |  |  |  | 15.485% | 15.485% | 15.485% | 1/XX/2026 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [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<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $29697.50 |  | 6.060% | $51148.00 | 4.6 | DU |  | ApproveIneligible | No | No | 5.500% | 2 | 2 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $1758456.75 | 68.150% | No |  | 36 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 79.61 |  | No | No |  | $0.00 | $2120.56 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62675458 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2070.00 | $7368.25 |  | XX.XX% | $6649.75 | $6649.75 | 6.250% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19250.52 | 1 | $13490.76 | $2382.00 | $1124.23 | $198.50 |  |  |  |  |  | 36.611% | 36.611% | 36.611% | 12/XX/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business License - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2070.00 |  | 6.250% | $0.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | 6.250% | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $192849.69 |  | No | 11 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 23.14 |  | No | No |  | $16542.06 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63950111 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $12056.70 |  | XX.XX% | $6266.15 | $6266.15 | 6.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18774.34 | 1 | $21703.68 | $5729.04 | $1808.64 | $477.42 |  |  |  |  |  | 42.089% | 42.089% | 42.089% | 12/XX/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.250% | $0.00 | 1.3 | DU |  | ApproveIneligible | Yes | No | 6.250% | 2 | 2 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $83689.71 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 9.58 |  | No | No |  | $20606.40 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69039811 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $720.80 |  | XX.XX% | $8989.47 | $8989.47 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23353.76 | 1 | $9150.24 | $6252.00 | $762.52 | $521.00 |  |  |  |  |  | 39.284% | 39.284% | 39.284% | 12/XX/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.250% | $15000.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.250% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $1941581.16 | 100.000% | No | 23 | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 153.47 |  | Yes | No |  | $0.00 | $18142.83 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65291710 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $4027.30 |  | XX.XX% | $8637.78 | $8637.78 | 6.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36499.57 | 1 | $15319.20 | $4182.96 | $1276.60 | $348.58 |  |  |  |  |  | 23.310% | 23.310% | 23.310% | 1/XX/2026 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.250% | $0.00 | 3.0 | DU |  | ApproveIneligible | No | No | 6.250% | 0 | 1 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $289450.40 |  | No |  | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 26.42 |  |  | No |  | $0.00 | $16033.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68621450 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7499.54 | $8186.16 |  | XX.XX% | $8096.36 | $8096.36 | 5.989% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15435.50 | 1 | $34585.56 | $2246.04 | $2882.13 | $187.17 |  |  |  |  |  | 42.226% | 42.226% | 42.226% | 12/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7499.54 |  | 6.190% | $0.00 | 2.8 | DU |  | ApproveIneligible | No | No | 5.989% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $855491.03 | 50.620% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60971701 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $38804.50 | $47596.55 |  | XX.XX% | $8532.92 | $8532.92 | 6.500% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $10614.01 | 1 | $4399.20 | $980.76 | $366.60 | $81.73 |  |  |  |  |  | 46.800% | 46.800% | 46.800% | 10/XX/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 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 |  |  | XXX | $38804.50 |  | 6.250% | $52500.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.500% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $201871.87 | 13.450% | No | 36 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 0.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63732347 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1499.00 | $4903.90 |  | XX.XX% | $7260.00 | $7260.00 | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12333.19 | 1 | $22906.80 | $1383.00 | $1908.90 | $115.25 |  |  |  |  |  | 47.144% | 47.144% | 47.144% | 12/XX/2025 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.250% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | 6.125% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $587852.74 | 36.330% | No | 23 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.07 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67243612 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1499.00 | $2025.06 |  | XX.XX% | $6129.52 | $6129.52 | 6.375% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  | India | India |  |  | $12906.20 | 1 | $16352.28 | $2093.04 | $1362.69 | $174.42 |  |  |  |  |  | 46.251% | 46.251% | 46.251% | 12/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.250% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.375% | 2 | 2 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $9824.82 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA | VISA |  |  | No | 0.86 |  | No | No |  | $0.00 | $11195.28 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61868484 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $7748.58 |  | XX.XX% | $12262.12 | $12262.12 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $72259.22 | 1 | $27107.52 | $4158.96 | $2258.96 | $346.58 |  |  |  |  |  | 40.414% | 40.414% | 40.414% | 10/XX/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.180% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $4166842.21 | 100.000% | No | 34 | 34 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 238.49 |  | No | No |  | $0.00 | $65766.23 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66397145 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10771.00 | $13802.50 |  | XX.XX% | $8393.71 | $8393.71 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28879.11 | 1 | $17834.16 | $1903.08 | $1486.18 | $158.59 |  |  |  |  |  | 38.382% | 38.382% | 38.382% | 1/XX/2026 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10771.00 |  | 6.250% | $0.00 | 1.1 | DU |  | ApproveIneligible | Yes | No | 6.000% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $24091.24 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 3.18 |  | No | No |  | $0.00 | $15000.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63251272 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2500.46 | $2500.46 |  | XX.XX% | $5563.72 | $5563.72 | 5.915% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $22335.02 | 1 | $19531.32 | $4124.04 | $1627.61 | $343.67 |  |  |  |  |  | 32.150% | 32.150% | 32.150% | 12/XX/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2500.46 |  | 6.250% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 5.915% | 1 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $27867.97 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card | Resident Alien Card |  | No | 2.8 |  | No | No |  | $0.00 | $17500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68746181 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $47240.24 | $49969.64 |  | XX.XX% | $10328.98 | $10328.98 | 5.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $38242.72 | 1 | $31454.88 | $13373.04 | $2621.24 | $1114.42 |  |  |  |  |  | 35.255% | 35.255% | 35.255% | 1/XX/2026 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $47240.24 |  | 6.250% | $0.00 | 1.5 | DU |  | ApproveIneligible | Yes | No | 5.000% | 2 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $14287.98 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68545331 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.00 | $2025.29 |  | XX.XX% | $9077.70 | $9077.70 | 6.125% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24716.96 | 1 | $18309.00 | $13554.96 | $1525.75 | $1129.58 |  |  |  |  |  | 38.709% | 38.709% | 38.709% | 12/XX/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | 6.250% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 6.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $1928311.91 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 162.28 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68111751 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1595.00 | $11302.97 |  | XX.XX% | $7086.08 | $7086.08 | 6.000% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14544.61 | 1 | $19139.76 | $11028.00 | $1594.98 | $919.00 |  |  |  |  |  | 46.708% | 46.708% | 46.708% | 12/XX/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1595.00 |  | 6.250% | $0.00 | 3.0 | DU |  | ApproveIneligible | Yes | No | 6.000% | 1 | 0 | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $1250357.39 | 64.720% | No | 36 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 54.2 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69841766 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $3335.98 |  | XX.XX% | $12465.12 | $12465.12 | 5.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $34873.02 | 1 | $31428.72 | $2588.04 | $2619.06 | $215.67 |  |  |  |  |  | 33.652% | 33.652% | 33.652% | 1/XX/2026 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.180% | $0.00 | 2.7 | DU |  | ApproveIneligible | No | No | 5.750% | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $931158.75 | 34.870% | No | 36 | 36 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 23.22 |  |  | No |  | $0.00 | $19227.87 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63791833 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2070.00 | $4121.44 |  | XX.XX% | $13428.19 | $13428.19 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $35428.05 | 1 | $30587.64 | $3494.16 | $2548.97 | $291.18 |  |  |  |  |  | 31.575% | 31.575% | 31.575% | 1/XX/2026 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2070.00 |  | 6.250% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.125% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $438309.41 |  | No | 35 | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 25.27 |  |  | No |  | $0.00 | $22976.14 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62220756 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1195.00 | $9526.17 |  | XX.XX% | $14948.41 | $14948.41 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24256.75 | 1 | $42898.08 | $6930.12 | $3574.84 | $577.51 |  |  |  |  |  | 49.825% | 49.825% | 49.825% | 12/XX/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1195.00 |  | 6.250% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $1591820.07 | 43.490% | No |  | 35 |  |  | Yes | Preliminary | Fee Simple |  | Individually and as Trustee | Individually and as Trustee | Individually and as Trustee | Individually and as Trustee |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 13.36 |  | Yes | No |  | $0.00 | $23344.16 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65488278 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $3130.26 |  | XX.XX% | $6896.03 | $6896.03 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22199.69 | 1 | $19434.96 | $3326.52 | $1619.58 | $277.21 |  |  |  |  |  | 40.117% | 40.117% | 40.117% | 1/XX/2026 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.250% | $0.00 | 2.1 | DU |  | ApproveIneligible | No | No | 6.250% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $166286.78 |  | No | 24 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 16.2 |  | No | No |  | $0.00 | $5585.83 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60059301 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1411.50 | $5448.56 |  | XX.XX% | $5961.78 | $5961.78 | 5.500% | No | No | Employed | Non-Employment Income | Non-Employment Income |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16487.17 | 1 | $7166.64 | $6894.12 | $597.22 | $574.51 |  |  |  |  |  | 41.624% | 41.624% | 41.624% | 1/XX/2026 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1411.50 |  | 6.180% | $20250.00 | 1.9 | LP / LPA |  | Accept/Ineligible | Yes | No | 5.500% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $3052541.38 | 100.000% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 375.82 |  | Yes | No |  | $3000.24 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63641914 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1499.00 | $5499.24 |  | XX.XX% | $6076.11 | $6076.11 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13541.96 | 1 | $14537.40 | $2697.60 | $1211.45 | $224.80 |  |  |  |  |  | 47.239% | 47.239% | 47.239% | 12/XX/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025 | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.180% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.125% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $179201.22 | 14.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 14.43 |  |  | No |  | $0.00 | $10666.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63003003 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3232.67 | $12568.95 |  | XX.XX% | $10066.98 | $10066.98 | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20131.39 | 1 | $8959.56 | $10557.00 | $746.63 | $879.75 |  |  |  |  |  | 43.187% | 43.187% | 43.187% | 1/XX/2026 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [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 |  |  | XXX | $3232.67 |  | 6.180% | $0.00 | 4.6 | DU |  | ApproveIneligible | No | No | 6.250% | 0 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $288311.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.66 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63221908 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $2968.36 |  | XX.XX% | $6322.34 | $6322.34 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9724.62 | 1 | $20986.80 | $4019.04 | $1748.90 | $334.92 |  |  |  |  |  | 49.432% | 49.432% | 49.432% | 1/XX/2026 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.180% | $0.00 | 1.5 | DU |  | ApproveIneligible | Yes | No | 6.250% | 0 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $103647.18 |  | No | 11 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.64 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60651657 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5089.11 | $10869.74 |  | XX.XX% | $10607.46 | $10607.46 | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35875.14 | 1 | $26157.84 | $3378.48 | $2179.82 | $281.54 |  |  |  |  |  | 30.862% | 30.862% | 30.862% | 1/XX/2026 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5089.11 |  | 6.180% | $0.00 | 4.0 | DU |  | ApproveIneligible | No | No | 5.875% | 0 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $70211.94 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68531717 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1570.00 | $6593.00 |  | XX.XX% | $5941.44 | $5941.44 | 6.500% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13775.70 | 1 | $5845.44 | $11088.96 | $487.12 | $924.08 |  |  |  |  |  | 44.897% | 44.897% | 44.897% | 11/XX/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1570.00 |  | 6.180% | $1200.00 | 1.8 | DU |  | ApproveIneligible | Yes | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $402041.54 | 34.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.39 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67340919 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1950.00 | $7649.76 |  | XX.XX% | $6146.99 | $6146.99 | 6.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21714.07 | 1 | $15000.00 | $3922.92 | $1250.00 | $326.91 |  |  |  |  |  | 40.780% | 40.780% | 40.780% | 12/XX/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1950.00 |  | 6.180% | $3150.00 | 1.8 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.625% | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $427684.74 | 35.640% | No | 12 | 5 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II |  | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 20.61 |  | No | No |  | $0.00 | $16666.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67665981 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1790.00 | $53.27 |  | XX.XX% | $2926.68 | $2926.68 | 5.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8101.67 | 1 | $9125.04 | $0.00 | $760.42 | $0.00 |  |  |  |  |  | 33.526% | 33.526% | 33.526% | 12/XX/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1790.00 |  | 6.190% | $10031.70 | 1.0 | DU |  | ApproveEligible | Yes | No | 5.250% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $128221.64 | 17.560% | No | 35 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.52 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67747653 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1499.00 | $6698.77 |  | XX.XX% | $6945.29 | $6945.29 | 6.250% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $18637.40 | 1 | $16172.76 | $0.00 | $1347.73 | $0.00 |  |  |  |  |  | 48.671% | 48.671% | 48.671% | 1/XX/2026 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.180% | $0.00 | 1.9 | DU |  | ApproveIneligible | No | No | 6.250% | 0 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $351017.34 | 24.890% | No |  | 36 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 16.85 |  | Yes | No |  | $0.00 | $18499.11 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66178532 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $31490.00 | $38792.50 |  | XX.XX% | $11682.87 | $11682.87 | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $29318.13 | 1 | $33187.08 | $5943.00 | $2765.59 | $495.25 |  |  |  |  |  | 40.004% | 40.004% | 40.004% | 10/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $31490.00 |  | 6.190% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 5.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  | Closed End | No |  | Not Stated |  |  |  | 1/XX/2056 | $539980.43 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.4 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60868527 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 |  |  | XX.XX% | $5270.39 | $5270.39 | 5.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8149.55 | 1 | $7466.76 | $9518.76 | $622.23 | $793.23 |  |  |  |  |  | 45.240% | 45.240% | 45.240% | 1/XX/2026 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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 |  |  | XXX |  |  | 6.180% | $27584.00 | 3.5 | DU |  | ApproveIneligible | Yes | No | 5.990% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $392470.30 | 35.670% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.09 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61048975 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $7451.81 | $11209.23 |  | XX.XX% | $3001.99 | $3001.99 | 5.999% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11916.24 | 1 | $8994.24 | $6759.60 | $749.52 | $563.30 |  |  |  |  |  | 47.400% | 47.400% | 47.400% | 12/XX/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7451.81 |  | 6.250% | $0.00 | 1.0 | LP / LPA |  | Accept/Eligible | N/A | No | 5.999% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $295068.18 | 47.130% | No | 36 | 36 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 33.43 |  | No | No |  | $0.00 | $11621.17 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64604511 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12000.00 | $23574.47 |  | XX.XX% | $14851.10 | $14851.10 | 6.250% | No | No | Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $26874.27 | 1 | $13968.00 | $1887.00 | $1164.00 | $157.25 |  |  |  |  |  | 44.934% | 44.934% | 44.934% | 12/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12000.00 |  | 6.180% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.250% | 3 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $251537.10 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card | Resident Alien Card |  | No | 7.65 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60881151 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23995.00 | $41105.10 |  | XX.XX% | $13487.06 | $13487.06 | 5.875% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $30919.69 | 1 | $51844.08 | $5217.12 | $4320.34 | $434.76 |  |  |  |  |  | 39.299% | 39.299% | 39.299% | 11/XX/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Capital Gains]; Other - 2025<br> [Borrower - \| Primary Income - Capital Gains]; Other - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $23995.00 |  | 6.180% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 5.875% | 0 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $3992345.70 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 180 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69137024 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6189.13 | $12029.28 |  | XX.XX% | $8816.21 | $8816.21 | 5.969% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $13984.27 | 1 | $25347.72 | $1938.00 | $2112.31 | $161.50 |  |  |  |  |  | 46.243% | 46.243% | 46.243% | 1/XX/2026 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $6189.13 |  | 6.100% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | No | No | 5.969% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  | HELOC | No |  | Not Stated |  |  |  | 3/XX/2056 | $30813.14 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 1.38 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63234391 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1950.00 | $7828.65 |  | XX.XX% | $6275.05 | $6275.05 | 6.625% | No | No | Non-Employment Income | Non-Employment Income | Non-Employment Income |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12276.82 | 1 | $15312.48 | $1897.20 | $1276.04 | $158.10 |  |  |  |  |  | 41.122% | 41.122% | 41.122% | 12/XX/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1950.00 |  | 6.180% | $0.00 | 4.6 | LP / LPA |  | Accept/Ineligible | No | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $337192.01 | 27.520% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 13.53 |  | No | No |  | $19029.10 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63497682 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $22891.40 | $57679.06 |  | XX.XX% | $8041.19 | $8041.19 | 5.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18961.50 | 1 | $12969.36 | $1505.04 | $1080.78 | $125.42 |  |  |  |  |  | 49.478% | 49.478% | 49.478% | 12/XX/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $22891.40 |  | 6.180% | $58000.00 |  | LP / LPA |  | Accept/Ineligible | N/A | No | 5.375% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $257911.39 | 14.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.36 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66963285 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2495.00 | $51532.84 |  | XX.XX% | $12160.33 | $12160.33 | 5.749% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17268.94 | 3 | $42079.20 | $1364.04 | $3506.60 | $113.67 |  |  |  |  |  | 48.200% | 48.200% | 48.200% | 1/XX/2026 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2495.00 |  | 6.180% | $0.00 |  | DU |  | ApproveIneligible | No | No | 5.749% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $197526.65 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 12.44 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62482871 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7071.28 | $7119.28 |  | XX.XX% | $7601.57 | $7601.57 | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22429.82 | 1 | $8357.64 | $11489.04 | $696.47 | $957.42 |  |  |  |  |  | 36.219% | 36.219% | 36.219% | 1/XX/2026 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7071.28 |  | 6.180% | $2000.00 | 2.1 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.750% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $426393.52 | 29.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 11.83 |  | Yes | No |  | $0.00 | $20833.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69965261 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5000.40 | $5793.08 |  | XX.XX% | $5700.94 | $5700.94 | 6.249% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $52839.84 | 1 | $19664.88 | $3705.00 | $1638.74 | $308.75 |  |  |  |  |  | 17.632% | 17.632% | 17.632% | 1/XX/2026 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2026<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; CPA Letter - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5000.40 |  | 6.180% | $0.00 | 1.8 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.249% | 0 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $320692.89 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 38.15 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64264717 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5000.16 | $5000.16 |  | XX.XX% | $5853.01 | $5853.01 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16049.83 | 1 | $14874.96 | $3967.20 | $1239.58 | $330.60 |  |  |  |  |  | 39.530% | 39.530% | 39.530% | 1/XX/2026 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5000.16 |  | 6.180% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.250% | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $14189.23 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 1.49 |  |  | No |  | $0.00 | $13000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61849726 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5700.00 | $3324.66 |  | XX.XX% | $7777.41 | $7777.41 | 6.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14381.05 | 1 | $4011.36 | $1073.04 | $334.28 | $89.42 |  |  |  |  |  | 36.807% | 36.807% | 36.807% | 12/XX/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5700.00 |  | 6.180% | $0.00 | 5.0 | DU |  | ApproveIneligible | Yes | No | 6.125% | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $879397.10 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 103.97 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68025863 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1495.00 | $5099.75 |  | XX.XX% | $11356.24 | $11356.24 | 6.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $138763.21 | 1 | $13367.16 | $8365.44 | $1113.93 | $697.12 |  |  |  |  |  | 8.741% | 8.741% | 8.741% | 1/XX/2026 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1495.00 |  | 6.130% | $0.00 |  | LP / LPA |  | Accept/Ineligible | No | No | 6.125% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $7995.67 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.05 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69279085 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17280.00 | $28308.45 |  | XX.XX% | $13475.59 | $13475.59 | 6.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $320491.19 | 1 | $39584.28 | $4355.88 | $3298.69 | $362.99 |  |  |  |  |  | 11.385% | 11.385% | 11.385% | 12/XX/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $17280.00 |  | 6.170% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1491715.22 | 55.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 52.24 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65264542 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $325.00 | $2305.68 |  | XX.XX% | $8585.68 | $8585.68 | 6.748% | No | No | Non-Employment Income | Employed | Not Employed | Employed | 0 | 3.08 | US Citizen | US Citizen | US Citizen | US Citizen |  |  |  |  | $28316.19 | 1 | $20687.52 | $3699.00 | $1723.96 | $308.25 |  |  |  |  |  | 37.936% | 37.936% | 37.936% | 12/XX/2025 | 762 | 792 | 821 | 804 | 799 | 788 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $325.00 |  | 6.170% | $2800.00 | 1.8 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.748% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $390556.77 | 23.590% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  | 4.87 |  | Yes | No |  | $0.00 | $16366.27 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63278846 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26900.00 | $11503.01 |  | XX.XX% | $6336.53 | $6336.53 | 5.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $39898.43 | 1 | $8531.64 | $3807.00 | $710.97 | $317.25 |  |  |  |  |  | 24.978% | 24.978% | 24.978% | 12/XX/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [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> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $26900.00 |  | 6.170% | $50000.00 | 1.6 | DU |  | ApproveIneligible | Yes | No | 5.500% | 2 | 2 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $436510.78 | 31.290% | No | 24 | 36 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 19.01 |  | No | No |  | $0.00 | $35833.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60391528 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1570.00 | $2954.06 |  | XX.XX% | $8122.54 | $8122.54 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39162.34 | 1 | $7028.88 | $989.04 | $585.74 | $82.42 |  |  |  |  |  | 29.712% | 29.712% | 29.712% | 12/XX/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $1570.00 |  | 6.170% | $0.00 | 2.8 | DU |  | ApproveIneligible | No | No | 6.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $1319579.74 | 80.020% | No | 36 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 151.65 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64980108 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16140.04 | $17457.22 |  | XX.XX% | $9455.74 | $9455.74 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15256.58 | 1 | $20000.04 | $1398.96 | $1666.67 | $116.58 |  |  |  |  |  | 49.088% | 49.088% | 49.088% | 12/XX/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16140.04 |  | 6.060% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.500% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $391321.04 | 20.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 0.04 |  | Yes | No |  | $0.00 | $18050.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63594647 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9660.00 | $10035.09 |  | XX.XX% | $5797.03 | $5797.03 | 5.999% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20071.64 | 1 | $10102.32 | $6777.96 | $841.86 | $564.83 |  |  |  |  |  | 49.985% | 49.985% | 49.985% | 10/XX/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Farming]; 1040 - Schedule F - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9660.00 |  | 6.060% | $0.00 | 2.2 | DU |  | ApproveIneligible | N/A | No | 5.999% | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $27927.37 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 3.75 |  | No | No |  | $5208.08 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62087037 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $24723.80 | $28521.55 |  | XX.XX% | $5130.19 | $5130.19 | 5.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9614.97 | 1 | $21173.76 | $2193.48 | $1764.48 | $182.79 |  |  |  |  |  | 45.401% | 45.401% | 45.401% | 12/XX/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $24723.80 |  | 6.140% | $23000.00 | 3.4 | DU |  | ApproveIneligible | No | No | 5.375% | 2 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $500399.54 | 43.690% | No | 35 | 17 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 33.47 |  |  | No |  | $0.00 | $6197.03 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68325073 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1195.00 | $5921.66 |  | XX.XX% | $7386.62 | $7386.62 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19498.59 | 1 | $12440.40 | $5921.04 | $1036.70 | $493.42 |  |  |  |  |  | 32.472% | 32.472% | 32.472% | 1/XX/2026 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1195.00 |  | 6.060% | $0.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | 6.375% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $170016.54 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 16.39 |  |  | No |  | $0.00 | $16187.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60148838 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $19577.94 | $21887.96 |  | XX.XX% | $5607.60 | $5607.60 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7993.75 | 1 | $5290.68 | $1403.04 | $440.89 | $116.92 |  |  |  |  |  | 49.057% | 49.057% | 49.057% | 11/XX/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $19577.94 |  | 6.060% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.000% | 0 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 |  |  | No | 3 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $5800.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64150264 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9424.80 | $2814.23 |  | XX.XX% | $18466.55 | $18466.55 | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33975.20 | 1 | $46250.04 | $5403.36 | $3854.17 | $450.28 |  |  |  |  |  | 48.063% | 48.063% | 48.063% | 12/XX/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2023<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2022<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2022<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2022<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2020 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9424.80 |  | 6.060% | $0.00 | 3.8 | DU |  | ApproveIneligible | No | No | 6.375% | 2 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $2106384.02 | 56.920% | No | 24 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.06 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66690265 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6859.29 | $10936.38 |  | XX.XX% | $6160.85 | $6160.85 | 5.999% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $18123.50 | 1 | $19269.12 | $2292.12 | $1605.76 | $191.01 |  |  |  |  |  | 36.962% | 36.962% | 36.962% | 1/XX/2026 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6859.29 |  | 6.060% | $0.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | 5.999% | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $427772.70 | 33.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 41.25 |  | Yes | No |  | $0.00 | $11666.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65065213 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1690.00 | $17199.86 |  | XX.XX% | $20795.04 | $20795.04 | 6.500% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $47639.92 | 1 | $51094.92 | $9123.48 | $4257.91 | $760.29 |  |  |  |  |  | 39.819% | 39.819% | 39.819% | 1/XX/2026 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Other - 2026<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [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> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1690.00 |  | 6.060% | $0.00 | 4.1 | DU |  | ApproveIneligible | No | No | 6.500% | 0 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $4862743.83 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 132.47 |  | Yes | No |  | $79161.58 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69398794 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.54 | $11736.63 |  | XX.XX% | $7818.14 | $7818.14 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13924.70 | 1 | $17810.40 | $3598.92 | $1484.20 | $299.91 |  |  |  |  |  | 41.316% | 41.316% | 41.316% | 1/XX/2026 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [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 |  |  | XXX | $6194.54 |  | 6.060% | $0.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | 6.000% | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $652491.77 | 40.030% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.96 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65950515 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $6201.71 |  | XX.XX% | $6620.19 | $6620.19 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14720.97 | 1 | $17253.00 | $3345.96 | $1437.75 | $278.83 |  |  |  |  |  | 42.054% | 42.054% | 42.054% | 1/XX/2026 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.140% | $8595.76 | 3.0 | DU |  | ApproveIneligible | N/A | No | 6.000% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $352433.40 | 25.530% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac |  | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 8.03 |  | Yes | No |  | $0.00 | $7083.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62198194 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4999.03 | $5933.19 |  | XX.XX% | $6764.95 | $6764.95 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29243.18 | 1 | $17031.00 | $0.00 | $1419.25 | $0.00 |  |  |  |  |  | 29.300% | 29.300% | 29.300% | 2/XX/2026 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4999.03 |  | 6.140% | $0.00 | 1.7 | LP / LPA |  | Accept/Eligible | Yes | No | 6.125% | 0 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $12452.43 |  | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.51 |  | No | No |  | $0.00 | $12121.20 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66945578 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2250.00 | $4847.03 |  | XX.XX% | $12091.45 | $12091.45 | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $43399.78 | 1 | $29497.80 | $13875.60 | $2458.15 | $1156.30 |  |  |  |  |  | 28.916% | 28.916% | 28.916% | 12/XX/2025 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2250.00 |  | 6.140% | $100000.00 |  | DU |  | ApproveIneligible | Yes | No | 6.125% | 3 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $103452.33 | 4.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.05 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66812554 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3095.22 | $3095.22 |  | XX.XX% | $7525.77 | $7525.77 | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14142.94 | 1 | $25138.20 | $1983.00 | $2094.85 | $165.25 |  |  |  |  |  | 47.558% | 47.558% | 47.558% | 1/XX/2026 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [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 |  |  | XXX | $3095.22 |  | 6.130% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | 6.125% | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $934423.28 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.9 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63260899 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10910.83 | $13129.11 |  | XX.XX% | $5450.41 | $5450.41 | 6.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8028.90 | 1 | $15680.04 | $1947.24 | $1306.67 | $162.27 |  |  |  |  |  | 49.919% | 49.919% | 49.919% | 1/XX/2026 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10910.83 |  | 6.140% | $18181.88 | 1.0 | DU |  | ApproveIneligible | No | No | 6.000% | 0 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $488160.19 | 42.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60859891 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2040.00 | $11215.80 |  | XX.XX% | $9789.90 | $9789.90 | 6.250% | No | No | Non-Employment Income | Non-Employment Income | Non-Employment Income |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28469.86 | 1 | $34087.08 | $1648.08 | $2840.59 | $137.34 |  |  |  |  |  | 43.897% | 43.897% | 43.897% | 9/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Pension]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 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 | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2040.00 |  | 6.160% | $0.00 | 5.0 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $1195074.64 | 45.090% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 5.16 |  | Yes | No |  | $3265.01 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62240448 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $721.10 |  | XX.XX% | $5530.71 | $5530.71 | 5.264% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13100.14 | 1 | $12766.32 | $1359.96 | $1063.86 | $113.33 |  |  |  |  |  | 49.557% | 49.557% | 49.557% | 2/XX/2026 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.100% | $34000.00 | 1.0 | LP / LPA |  | Accept/Ineligible | N/A | No | 5.264% | 0 | 3 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $32439.98 | 2.230% | No |  | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 3.35 |  | Yes | No |  | $0.00 | $25970.27 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62200626 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10000.00 | $7244.15 |  | XX.XX% | $12795.10 | $12795.10 | 6.062% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $43661.89 | 1 | $14591.40 | $3392.04 | $1215.95 | $282.67 |  |  |  |  |  | 25.209% | 25.209% | 25.209% | 1/XX/2026 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10000.00 |  | 6.130% | $2500.00 |  | LP / LPA |  | Accept/Ineligible | N/A | No | 6.062% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1770612.13 | 66.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 85.42 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60440129 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1640.00 | $4052.48 |  | XX.XX% | $4171.65 | $4171.65 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12049.98 | 1 | $4922.28 | $495.00 | $410.19 | $41.25 |  |  |  |  |  | 40.874% | 40.874% | 40.874% | 11/XX/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; D1C Income Verification Report - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; D1C Income Verification Report - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.140% | $0.00 | 1.6 | LP / LPA |  | Accept/Eligible | N/A | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $428900.01 | 51.980% | No | 29 | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 52.26 |  | No | No |  | $0.00 | $9164.59 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970069 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5965.27 | $6289.83 |  | XX.XX% | $8254.10 | $8254.10 | 5.650% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21274.41 | 1 | $39426.36 | $2414.28 | $3285.53 | $201.19 |  |  |  |  |  | 44.051% | 44.051% | 44.051% | 12/XX/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $5965.27 |  | 6.140% | $0.00 | 1.3 | DU |  | ApproveIneligible | Yes | No | 5.650% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $49952.73 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple |  | Individually and as Trustee | Individually and as Trustee |  |  |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.33 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64605964 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5100.31 | $11866.34 |  | XX.XX% | $20564.58 | $20564.58 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $45936.13 | 1 | $61250.04 | $11173.32 | $5104.17 | $931.11 |  |  |  |  |  | 45.053% | 45.053% | 45.053% | 2/XX/2026 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5100.31 |  | 6.140% | $1327905.00 |  | DU |  | ApproveIneligible | N/A | No | 6.000% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1818135.70 | 37.100% | No |  | 25 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 62.82 |  | No | No |  | $0.00 | $12766.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65169398 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1576.00 | $1546.31 |  | XX.XX% | $8322.37 | $8322.37 | 6.125% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21036.37 | 1 | $20777.16 | $4816.32 | $1731.43 | $401.36 |  |  |  |  |  | 38.278% | 38.278% | 38.278% | 1/XX/2026 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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 | Full Documentation (F) | 1yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1576.00 |  | 6.140% | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | 6.125% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $1130632.33 |  | No | 35 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 104.78 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63013060 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3709.49 | $2778.04 |  | XX.XX% | $8373.26 | $8373.26 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19022.83 | 1 | $5173.68 | $21167.04 | $431.14 | $1763.92 |  |  |  |  |  | 37.799% | 37.799% | 37.799% | 11/XX/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3709.49 |  | 6.100% | $6290.00 | 4.6 | DU |  | ApproveIneligible | No | No | 6.250% | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $975803.06 | 57.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.55 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68177039 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6194.54 | $9409.53 |  | XX.XX% | $10799.31 | $10799.31 | 5.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14737.15 | 1 | $20478.60 | $5047.44 | $1706.55 | $420.62 |  |  |  |  |  | 47.452% | 47.452% | 47.452% | 12/XX/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 1040 - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6194.54 |  | 6.140% | $7500.00 | 2.2 | LP / LPA |  | Accept/Ineligible | N/A | No | 5.625% | 2 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $612913.24 | 26.130% | No |  | 12 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 9.8 |  | Yes | No |  | $0.00 | $10612.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69978512 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9760.99 | $10356.18 |  | XX.XX% | $8009.42 | $8009.42 | 5.875% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13102.11 | 1 | $4345.32 | $5302.44 | $362.11 | $441.87 |  |  |  |  |  | 40.843% | 40.843% | 40.843% | 12/XX/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9760.99 |  | 6.130% | $0.00 |  | DU |  | ApproveIneligible | Yes | No | 5.875% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $75405.32 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 7.27 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69027785 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2195.35 | $12131.38 |  | XX.XX% | $5689.84 | $5689.84 | 5.750% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17482.67 | 1 | $16250.04 | $788.04 | $1354.17 | $65.67 |  |  |  |  |  | 33.882% | 33.882% | 33.882% | 1/XX/2026 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2195.35 |  | 6.140% | $0.00 |  | DU |  | ApproveIneligible | Yes | No | 5.750% | 1 | 2 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $406012.85 | 31.230% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 6.73 |  | No | No |  | $0.00 | $8450.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68359438 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3165.00 | $7987.36 |  | XX.XX% | $5749.13 | $5749.13 | 5.874% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17866.30 | 1 | $8508.84 | $1457.04 | $709.07 | $121.42 |  |  |  |  |  | 35.903% | 35.903% | 35.903% | 2/XX/2026 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3165.00 |  | 6.140% | $0.00 | 2.8 | DU |  | ApproveEligible | No | No | 5.874% | 2 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $318688.73 | 26.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 11.22 |  | No | No |  | $0.00 | $15320.93 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68682853 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1987.44 | $3162.87 |  | XX.XX% | $5726.54 | $5726.54 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11737.40 | 1 | $3517.20 | $3245.04 | $293.10 | $270.42 |  |  |  |  |  | 44.273% | 44.273% | 44.273% | 12/XX/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1987.44 |  | 6.140% | $10678.29 | 3.8 | DU |  | ApproveIneligible | No | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $108016.97 | 9.530% | No | 25 | 35 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 16.11 |  | Yes | No |  | $0.00 | $10281.22 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63834181 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4999.80 | $10324.46 |  | XX.XX% | $8216.88 | $8216.88 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10545.35 | 1 | $13678.20 | $4784.40 | $1139.85 | $398.70 |  |  |  |  |  | 49.991% | 49.991% | 49.991% | 1/XX/2026 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4999.80 |  | 6.140% | $180000.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $265920.64 | 16.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 7.62 |  |  | No |  | $0.00 | $6503.47 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66848153 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2220.00 | $14900.78 |  | XX.XX% | $7944.04 | $7944.04 | 6.000% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13748.57 | 1 | $2270.52 | $3300.96 | $189.21 | $275.08 |  |  |  |  |  | 43.042% | 43.042% | 43.042% | 1/XX/2026 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; 1099-R - 2025<br> [Borrower - \| Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2220.00 |  | 6.140% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.000% | 0 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $66699.53 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.93 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69515751 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9942.43 | $12051.12 |  | XX.XX% | $6306.50 | $6306.50 | 5.990% | No | No | Not Employed | Non-Employment Income | Non-Employment Income |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25469.00 | 1 | $6166.56 | $7668.96 | $513.88 | $639.08 |  |  |  |  |  | 28.107% | 28.107% | 28.107% | 12/XX/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Capital Gains]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Capital Gains]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Farming]; 1040 - Schedule F - 2024<br> [Coborrower(s) - \| Non-Primary Income - Farming]; 1040 - Schedule F - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9942.43 |  | 6.140% | $0.00 | 4.6 | DU |  | ApproveIneligible | N/A | No | 5.990% | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1800.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0.09 |  |  | No |  | $35426.46 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68591687 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1976.50 | $6253.55 |  | XX.XX% | $15036.73 | $15036.73 | 6.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $130077.91 | 1 | $41519.04 | $8889.96 | $3459.92 | $740.83 |  |  |  |  |  | 13.672% | 13.672% | 13.672% | 1/XX/2026 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1976.50 |  | 6.140% | $0.00 |  | DU |  | ApproveIneligible | No | No | 6.000% | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1018246.88 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 52.86 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63446543 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17434.52 | $4630.92 |  | XX.XX% | $10560.27 | $10560.27 | 6.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20570.10 | 1 | $34187.16 | $13873.44 | $2848.93 | $1156.12 |  |  |  |  |  | 47.989% | 47.989% | 47.989% | 12/XX/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $17434.52 |  | 6.250% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.125% | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $360925.43 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 35.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67606493 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8092.06 | $8465.14 |  | XX.XX% | $7269.02 | $7269.02 | 6.000% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $50207.80 | 1 | $7686.12 | $1014.72 | $640.51 | $84.56 |  |  |  |  |  | 17.718% | 17.718% | 17.718% | 1/XX/2026 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Note Receivable]; Note - 2022<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2025<br> [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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8092.06 |  | 6.140% | $10000.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | 6.000% | 3 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1503120.40 | 99.180% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 137.93 |  | No | No |  | ($390.75) | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61327794 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3123.29 | $5278.80 |  | XX.XX% | $2970.39 | $2970.39 | 5.625% | No | No | Non-Employment Income | Non-Employment Income | Non-Employment Income |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22010.69 | 1 | $2366.52 | $4410.48 | $197.21 | $367.54 |  |  |  |  |  | 29.172% | 29.172% | 29.172% | 1/XX/2026 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2026<br> [Borrower - \| Primary Income - Social Security]; Account Statements - 2026<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2026<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2026<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3123.29 |  | 6.140% | $5500.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | 5.625% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | 3/XX/2056 | $4642579.22 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 992.39 |  | No | No |  | $27283.87 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66693862 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2040.00 | $10498.70 |  | XX.XX% | $16806.90 | $16806.90 | 5.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $36506.28 | 1 | $22647.36 | $4244.64 | $1887.28 | $353.72 |  |  |  |  |  | 37.418% | 37.418% | 37.418% | 1/XX/2026 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2040.00 |  | 6.140% | $0.00 | 3.3 | DU |  | ApproveIneligible | No | No | 5.750% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1239566.36 | 34.430% | No | 14 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 25.32 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64772164 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3150.00 | $15218.66 |  | XX.XX% | $7030.06 | $7030.06 | 5.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18916.05 | 1 | $15733.20 | $3957.00 | $1311.10 | $329.75 |  |  |  |  |  | 44.250% | 44.250% | 44.250% | 12/XX/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3150.00 |  | 6.060% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 5.625% | 1 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $57683.95 |  | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.65 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66482723 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15323.42 | $38740.06 |  | XX.XX% | $9134.99 | $9134.99 | 5.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $67486.99 | 1 | $14961.12 | $3405.36 | $1246.76 | $283.78 |  |  |  |  |  | 16.515% | 16.515% | 16.515% | 12/XX/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [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) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $15323.42 |  | 5.720% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | Yes | No | 5.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2041 |  |  | No | 36 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 180 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65827486 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1650.00 | $11977.02 |  | XX.XX% | $7818.14 | $7818.14 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15813.73 | 1 | $18937.56 | $5304.00 | $1578.13 | $442.00 |  |  |  |  |  | 48.713% | 48.713% | 48.713% | 9/XX/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [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) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1650.00 |  | 6.180% | $0.00 | 4.6 | DU |  | ApproveIneligible | No | No | 6.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $675379.90 | 41.430% | No | 34 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 82.71 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66725683 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $8038.74 |  | XX.XX% | $13975.04 | $13975.04 | 6.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $39061.36 | 1 | $29052.96 | $8533.44 | $2421.08 | $711.12 |  |  |  |  |  | 32.205% | 32.205% | 32.205% | 1/XX/2026 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1590.00 |  | 6.060% | $5840.00 | 1.0 | DU |  | ApproveIneligible | No | No | 6.125% | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $1402735.43 | 48.790% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 46.45 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66482458 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $9187.30 |  | XX.XX% | $6756.63 | $6756.63 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28335.62 | 1 | $21549.96 | $4539.96 | $1795.83 | $378.33 |  |  |  |  |  | 24.614% | 24.614% | 24.614% | 10/XX/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1590.00 |  | 6.270% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.125% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $998729.40 | 71.850% | No | 6 | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 76.97 |  |  | No |  | $0.00 | $13587.42 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69425219 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2843.80 | $9989.67 |  | XX.XX% | $8176.72 | $8176.72 | 6.250% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15500.23 | 1 | $12216.36 | $1716.48 | $1018.03 | $143.04 |  |  |  |  |  | 46.719% | 46.719% | 46.719% | 12/XX/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Primary Income - Trust Income]; Trustee's Statement - 2025<br> [Borrower - \| Primary Income - Trust Income]; Trust Agreement - 2020<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 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 | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2843.80 |  | 6.220% | $15000.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $416577.07 | 23.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.15 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65633404 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1650.00 | $6723.30 |  | XX.XX% | $9068.59 | $9068.59 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31531.76 | 1 | $23084.40 | $2160.12 | $1923.70 | $180.01 |  |  |  |  |  | 32.886% | 32.886% | 32.886% | 12/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1650.00 |  | 6.250% | $0.00 | 4.3 | DU |  | ApproveIneligible | No | No | 6.125% | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $794541.60 |  | No |  | 35 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 68.64 |  |  | No |  | $0.00 | $27933.92 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66553284 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $746.89 |  | XX.XX% | $5267.29 | $5267.29 | 5.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17676.35 | 1 | $5450.16 | $1875.00 | $454.18 | $156.25 |  |  |  |  |  | 42.261% | 42.261% | 42.261% | 1/XX/2026 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.140% | $30597.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | 5.000% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $718332.39 | 58.560% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 79.05 |  | Yes | No |  | $0.00 | $4245.24 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62905379 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2290.00 | $11540.39 |  | XX.XX% | $7242.57 | $7242.57 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19704.47 | 1 | $19959.72 | $2293.68 | $1663.31 | $191.14 |  |  |  |  |  | 44.031% | 44.031% | 44.031% | 1/XX/2026 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [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 |  |  | XXX | $2290.00 |  | 6.140% | $50000.00 | 2.2 | DU |  | ApproveEligible | Yes | No | 6.000% | 3 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $733563.34 | 48.580% | No | 24 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 57.43 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63448955 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23750.00 | $29371.92 |  | XX.XX% | $11391.46 | $11391.46 | 6.000% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $46260.82 | 1 | $28546.68 | $3653.16 | $2378.89 | $304.43 |  |  |  |  |  | 33.942% | 33.942% | 33.942% | 1/XX/2026 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $23750.00 |  | 6.140% | $0.00 | 1.7 | DU |  | ApproveIneligible | N/A | No | 6.000% | 1 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1292053.56 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 83.2 |  | No | No |  | $24021.04 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62775058 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14000.00 | $4032.25 |  | XX.XX% | $7954.34 | $7954.34 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23914.23 | 1 | $24855.72 | $2963.04 | $2071.31 | $246.92 |  |  |  |  |  | 31.838% | 31.838% | 31.838% | 12/XX/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $14000.00 |  | 6.140% | $5000.00 | 1.0 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.375% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $369236.65 | 16.970% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 5.65 |  |  | No |  | $0.00 | $14251.16 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60009803 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1640.00 | $7566.53 |  | XX.XX% | $5755.69 | $5755.69 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20583.85 | 1 | $10070.04 | $1907.04 | $839.17 | $158.92 |  |  |  |  |  | 33.449% | 33.449% | 33.449% | 1/XX/2026 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2026 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $1640.00 |  | 6.060% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.000% | 1 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $552313.58 | 46.020% | No | 1 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.97 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64575316 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1995.00 | $5933.41 |  | XX.XX% | $2654.69 | $2654.69 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $5685.75 | 1 | $8289.84 | $1188.96 | $690.82 | $99.08 |  |  |  |  |  | 46.276% | 46.276% | 46.276% | 1/XX/2026 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.00 |  | 6.140% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 6.500% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $183389.84 | 22.360% | No | 12 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.49 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60568149 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26380.47 | $29402.91 |  | XX.XX% | $5920.89 | $5920.89 | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9368.03 | 1 | $16051.56 | $1965.36 | $1337.63 | $163.78 |  |  |  |  |  | 46.468% | 46.468% | 46.468% | 1/XX/2026 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $26380.47 |  | 6.100% | $22593.34 | 1.0 | DU |  | ApproveIneligible | No | No | 6.000% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $324029.38 | 27.880% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.83 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65774243 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8482.18 | $9064.30 |  | XX.XX% | $6906.82 | $6906.82 | 6.000% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8147.17 | 1 | $10863.24 | $2211.96 | $905.27 | $184.33 |  |  |  |  |  | 49.909% | 49.909% | 49.909% | 11/XX/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8482.18 |  | 6.100% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.000% | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1526758.21 | 79.510% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.93 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65397542 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2950.03 | $2950.03 |  | XX.XX% | $7917.66 | $7917.66 | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21612.29 | 1 | $17771.40 | $1856.04 | $1480.95 | $154.67 |  |  |  |  |  | 39.032% | 39.032% | 39.032% | 2/XX/2026 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2023<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2950.03 |  | 6.130% | $0.00 | 2.8 | DU |  | ApproveIneligible | No | No | 5.875% | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $25530.56 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.52 |  |  | No |  | $0.00 | $15757.73 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67605331 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $1395.00 |  | XX.XX% | $12875.80 | $12875.80 | 6.875% | No | No | Non-Employment Income | Non-Employment Income | Non-Employment Income |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25523.74 | 1 | $13102.08 | $10050.96 | $1091.84 | $837.58 |  |  |  |  |  | 41.566% | 41.566% | 41.566% | 12/XX/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.100% | $15250.00 | 3.5 | DU |  | ApproveIneligible | No | No | 6.875% | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $3437765.24 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 197.48 |  | No | No |  | $17726.82 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65321881 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26789.20 | $29402.79 |  | XX.XX% | $18930.26 | $18930.26 | 6.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $47739.01 | 1 | $8481.72 | $6348.00 | $706.81 | $529.00 |  |  |  |  |  | 30.352% | 30.352% | 30.352% | 9/XX/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $26789.20 |  | 6.190% | $0.00 | 2.4 | DU |  | ApproveIneligible | N/A | No | 6.125% | 1 | 1 | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $408615.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 19.85 |  |  | No |  | $36984.40 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66606090 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4999.80 | $9501.19 |  | XX.XX% | $3845.00 | $3845.00 | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13098.39 | 1 | $4372.56 | $1386.00 | $364.38 | $115.50 |  |  |  |  |  | 49.132% | 49.132% | 49.132% | 12/XX/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2022 | [Borrower]; 1040 - 2024<br> [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 |  |  | XXX | $4999.80 |  | 6.100% | $0.00 | 1.4 | LP / LPA |  | Accept/Eligible | N/A | No | 5.875% | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $15439.46 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.31 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61579747 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1995.75 | $4611.18 |  | XX.XX% | $9577.62 | $9577.62 | 5.780% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $125877.02 | 1 | $39700.92 | $2283.84 | $3308.41 | $190.32 |  |  |  |  |  | 12.015% | 12.015% | 12.015% | 2/XX/2026 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1995.75 |  | 6.100% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 5.780% | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $63312.37 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 4.01 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65483560 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1499.00 | $4884.96 |  | XX.XX% | $6496.13 | $6496.13 | 6.000% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26235.11 | 1 | $15649.44 | $3268.20 | $1304.12 | $272.35 |  |  |  |  |  | 31.004% | 31.004% | 31.004% | 1/XX/2026 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1499.00 |  | 6.100% | $0.00 | 1.1 | DU |  | ApproveIneligible | Yes | No | 6.000% | 0 | 1 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $82587.68 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 7.94 |  | No | No |  | $0.00 | $12083.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63495225 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4280.00 | $4280.00 |  | XX.XX% | $5120.60 | $5120.60 | 5.979% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7114.49 | 1 | $14010.60 | $1551.00 | $1167.55 | $129.25 |  |  |  |  |  | 48.577% | 48.577% | 48.577% | 1/XX/2026 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4280.00 |  | 6.100% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 5.979% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $17287.51 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.26 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65938789 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5695.72 | $13278.48 |  | XX.XX% | $6493.40 | $6493.40 | 5.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22593.39 | 1 | $16423.32 | $2392.08 | $1368.61 | $199.34 |  |  |  |  |  | 27.141% | 27.141% | 27.141% | 2/XX/2026 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5695.72 |  | 6.170% | $0.00 | 1.4 | DU |  | ApproveEligible | Yes | No | 5.625% | 1 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $59529.59 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 2.79 |  | No | No |  | $0.00 | $10665.10 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65456988 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $22111.38 | $24103.75 |  | XX.XX% | $5417.72 | $5417.72 | 5.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30345.12 | 1 | $3572.16 | $3252.00 | $297.68 | $271.00 |  |  |  |  |  | 22.197% | 22.197% | 22.197% | 2/XX/2026 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $22111.38 |  | 6.100% | $0.00 | 3.2 | DU |  | ApproveIneligible | No | No | 5.375% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $552364.08 | 42.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.16 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61213080 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5584.74 | $11301.34 |  | XX.XX% | $9235.14 | $9235.14 | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $48768.69 | 1 | $24545.28 | $8478.00 | $2045.44 | $706.50 |  |  |  |  |  | 38.303% | 38.303% | 38.303% | 12/XX/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5584.74 |  | 6.220% | $0.00 | 2.5 | DU |  | ApproveIneligible | No | No | 6.250% | 2 |  | 2 | 0 | 2 | 2 |  |  | 11.60 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $1560690.42 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Fair Isaac (VER. 2) | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 130.2 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67637745 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9790.54 | $12989.88 |  | XX.XX% | $5886.95 | $5886.95 | 5.999% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14937.67 | 1 | $15718.80 | $4858.44 | $1309.90 | $404.87 |  |  |  |  |  | 34.817% | 34.817% | 34.817% | 2/XX/2026 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $9790.54 |  | 6.100% | $0.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | 5.999% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $342319.59 | 27.220% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.43 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63266390 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5173.00 | $12180.47 |  | XX.XX% | $6280.32 | $6280.32 | 6.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $35274.59 | 1 | $24723.36 | $3845.04 | $2060.28 | $320.42 |  |  |  |  |  | 29.697% | 29.697% | 29.697% | 1/XX/2026 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5173.00 |  | 6.100% | $0.00 | 1.0 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.250% | 1 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $5000.00 | 0.390% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 0.44 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66093091 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14702.00 | $7920.05 |  | XX.XX% | $6157.17 | $6157.17 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12797.40 | 1 | $3442.44 | $1368.96 | $286.87 | $114.08 |  |  |  |  |  | 48.810% | 48.810% | 48.810% | 2/XX/2026 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 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 |  |  | XXX | $14702.00 |  | 6.100% | $0.00 | 2.5 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.250% | 2 |  | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $468410.09 | 37.470% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.53 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63596364 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5426.06 | $23242.74 |  | XX.XX% | $4845.93 | $4845.93 | 5.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21623.83 | 1 | $11412.96 | $3622.08 | $951.08 | $301.84 |  |  |  |  |  | 28.755% | 28.755% | 28.755% | 2/XX/2026 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5426.06 |  | 6.100% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 5.125% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $234234.94 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 34.06 |  | No | No |  | $0.00 | $10351.47 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63212900 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4915.95 | $5690.47 |  | XX.XX% | $5720.22 | $5720.22 | 5.799% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10684.64 | 1 | $13069.56 | $4685.16 | $1089.13 | $390.43 |  |  |  |  |  | 43.253% | 43.253% | 43.253% | 2/XX/2026 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025 | [Borrower]; 1040 - 2025<br> [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4915.95 |  | 6.100% | $0.00 | 3.8 | DU |  | ApproveIneligible | No | No | 5.799% | 1 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $48145.31 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.69 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67231016 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13495.00 | $22586.72 |  | XX.XX% | $6907.88 | $6907.88 | 5.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24220.69 | 1 | $20749.32 | $3012.84 | $1729.11 | $251.07 |  |  |  |  |  | 31.977% | 31.977% | 31.977% | 2/XX/2026 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $13495.00 |  | 6.100% | $0.00 |  | LP / LPA |  | Accept/Eligible | N/A | No | 5.625% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1578171.14 | 87.670% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 106.89 |  |  | No |  | $0.00 | $17273.10 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62130903 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12263.00 | $21808.77 |  | XX.XX% | $6907.88 | $6907.88 | 5.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35352.93 | 1 | $36249.96 | $7982.04 | $3020.83 | $665.17 |  |  |  |  |  | 39.297% | 39.297% | 39.297% | 11/XX/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12263.00 |  | 6.130% | $25000.00 | 3.3 | DU |  | ApproveIneligible | No | No | 5.625% | 0 |  | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1922226.81 | 66.280% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.29 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65517979 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5000.38 | $6242.42 |  | XX.XX% | $5496.92 | $5496.92 | 5.624% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18265.23 | 1 | $15030.48 | $12671.28 | $1252.54 | $1055.94 |  |  |  |  |  | 30.300% | 30.300% | 30.300% | 2/XX/2026 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $5000.38 |  | 6.130% | $0.00 | 2.0 | DU |  | ApproveIneligible | N/A | No | 5.624% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63996294 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2420.00 | $4802.96 |  | XX.XX% | $8312.88 | $8312.88 | 6.119% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23661.22 | 1 | $19952.88 | $4092.00 | $1662.74 | $341.00 |  |  |  |  |  | 34.575% | 34.575% | 34.575% | 2/XX/2026 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2420.00 |  | 6.130% | $0.00 | 2.4 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.119% | 2 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $36451.61 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II |  | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 3.53 |  | No | No |  | $0.00 | $22111.46 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66414410 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $24625.00 | $44897.16 |  | XX.XX% | $5539.90 | $5539.90 | 5.990% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26431.69 | 1 | $6449.04 | $9392.04 | $537.42 | $782.67 |  |  |  |  |  | 28.450% | 28.450% | 28.450% | 1/XX/2026 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Capital Gains]; Other - 2026<br> [Borrower - \| Primary Income - Capital Gains]; Other - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $24625.00 |  | 6.130% | $0.00 | 1.2 | DU |  | ApproveIneligible | Yes | No | 5.990% | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 0 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67061124 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4425.00 | $6888.43 |  | XX.XX% | $5233.37 | $5233.37 | 6.362% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7724.57 | 1 | $13362.00 | $2746.44 | $1113.50 | $228.87 |  |  |  |  |  | 47.456% | 47.456% | 47.456% | 2/XX/2026 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $4425.00 |  | 6.130% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 6.362% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $300990.55 | 28.660% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.24 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63681024 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8095.03 | $8654.87 |  | XX.XX% | $6623.44 | $6623.44 | 6.500% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $14880.44 | 1 | $15482.28 | $2145.96 | $1290.19 | $178.83 |  |  |  |  |  | 35.926% | 35.926% | 35.926% | 2/XX/2026 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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 |  |  | XXX | $8095.03 |  | 6.100% | $0.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | 6.500% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $25797.24 |  | No | 37 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 1.04 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64715674 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $8.00 |  | XX.XX% | $8544.67 | $8544.67 | 6.499% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18491.48 | 1 | $21010.44 | $4295.04 | $1750.87 | $357.92 |  |  |  |  |  | 46.464% | 46.464% | 46.464% | 2/XX/2026 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.130% | $34690.00 | 1.1 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.499% | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $343991.12 | 20.350% | No | 25 | 2 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 0.4 |  | Yes | No |  | $0.00 | $13750.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60880622 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11194.83 | $12717.23 |  | XX.XX% | $9207.19 | $9207.19 | 6.227% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $19501.05 | 1 | $29999.40 | $1666.08 | $2499.95 | $138.84 |  |  |  |  |  | 38.691% | 38.691% | 38.691% | 2/XX/2026 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11194.83 |  | 6.130% | $0.00 | 2.3 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.227% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $78067.70 |  | No | 24 | 24 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Passport |  |  | No | 5.85 |  |  | No |  | $0.00 | $20124.09 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63103538 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9707.20 | $31312.58 |  | XX.XX% | $5708.01 | $5708.01 | 5.999% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7301.29 | 1 | $8462.04 | $5373.96 | $705.17 | $447.83 |  |  |  |  |  | 49.934% | 49.934% | 49.934% | 1/XX/2026 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9707.20 |  | 6.130% | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | 5.999% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $449553.94 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.08 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60994411 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9999.99 | $10931.33 |  | XX.XX% | $6744.48 | $6744.48 | 6.125% | No | No | Not Employed | Non-Employment Income | Non-Employment Income |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12565.81 | 1 | $18562.56 | $2765.64 | $1546.88 | $230.47 |  |  |  |  |  | 49.737% | 49.737% | 49.737% | 2/XX/2026 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Deposit Receipt - 2026<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9999.99 |  | 6.130% | $0.00 | 1.1 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $410527.88 | 27.640% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 1.2 |  | No | No |  | $25000.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62726094 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1740.00 | $7593.90 |  | XX.XX% | $17722.71 | $17722.71 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $46185.93 | 1 | $36611.76 | $5893.80 | $3050.98 | $491.15 |  |  |  |  |  | 35.290% | 35.290% | 35.290% | 1/XX/2026 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1740.00 |  | 6.130% | $1425.16 | 1.3 | DU |  | ApproveIneligible | No | No | 6.000% | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $2664575.97 | 72.110% | No | 25 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 89.62 |  | Yes | No |  | $0.00 | $36697.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62134511 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1495.00 | $15793.40 |  | XX.XX% | $6115.42 | $6115.42 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13741.45 | 1 | $14559.24 | $1719.00 | $1213.27 | $143.25 |  |  |  |  |  | 44.015% | 44.015% | 44.015% | 1/XX/2026 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; Transcripts (1040) - No Results Returned - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1495.00 |  | 6.130% | $200000.00 | 2.9 | DU |  | ApproveEligible | Yes | No | 6.000% | 2 | 2 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $123946.96 | 9.720% | No | 25 | 25 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 10.23 |  | Yes | No |  | $0.00 | $9517.16 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68197695 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $23990.00 | $41057.60 |  | XX.XX% | $5989.36 | $5989.36 | 5.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13273.65 | 1 | $20027.16 | $2326.08 | $1668.93 | $193.84 |  |  |  |  |  | 39.036% | 39.036% | 39.036% | 10/XX/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $23990.00 |  | 6.170% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 5.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $616831.25 |  | No | 34 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 77.96 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67256692 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $25677.50 | $28284.00 |  | XX.XX% | $5814.13 | $5814.13 | 5.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12798.90 | 1 | $18112.92 | $1578.96 | $1509.41 | $131.58 |  |  |  |  |  | 45.408% | 45.408% | 45.408% | 11/XX/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $25677.50 |  | 6.220% | $5000.00 | 2.3 | DU |  | ApproveEligible | N/A | No | 5.625% | 2 | 2 | 1 | 0 | 4 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $612565.81 | 48.520% | No | 32 | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 41.92 |  | Yes | No |  | $0.00 | $9528.13 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69276724 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14348.07 | $15795.43 |  | XX.XX% | $6063.32 | $6063.32 | 5.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22425.82 | 1 | $2635.20 | $1356.00 | $219.60 | $113.00 |  |  |  |  |  | 36.186% | 36.186% | 36.186% | 10/XX/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $14348.07 |  | 6.270% | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | 5.750% | 1 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $540160.64 | 41.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.49 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62895656 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2090.00 | $10632.16 |  | XX.XX% | $13294.52 | $13294.52 | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $31888.90 | 1 | $34783.44 | $3474.96 | $2898.62 | $289.58 |  |  |  |  |  | 40.997% | 40.997% | 40.997% | 12/XX/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [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 |  |  | XXX | $2090.00 |  | 6.270% | $3000.00 | 2.7 | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $1869022.41 | 68.330% | No | 35 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 78.96 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60620817 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $8976.86 |  | XX.XX% | $6113.93 | $6113.93 | 6.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32232.48 | 1 | $15387.36 | $1872.00 | $1282.28 | $156.00 |  |  |  |  |  | 28.911% | 28.911% | 28.911% | 11/XX/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.220% | $0.00 | 1.9 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.375% | 1 | 2 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $275370.91 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 35.23 |  | No | No |  | $22699.96 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67847433 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2755.00 | $22092.59 |  | XX.XX% | $5039.74 | $5039.74 | 5.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $47127.17 | 1 | $4437.24 | $4886.04 | $369.77 | $407.17 |  |  |  |  |  | 25.323% | 25.323% | 25.323% | 12/XX/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2755.00 |  | 6.190% | $0.00 | 4.6 | DU |  | ApproveIneligible | N/A | No | 5.375% | 1 |  | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $719134.25 | 47.940% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.69 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 7 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63045962 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $290.00 | $6479.00 |  | XX.XX% | $7096.89 | $7096.89 | 6.125% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | $26381.70 | 1 | $20174.28 | $2695.20 | $1681.19 | $224.60 |  |  |  |  |  | 25.828% | 25.828% | 25.828% | 11/XX/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $290.00 |  | 6.190% | $0.00 | 2.6 | DU |  | ApproveEligible | Yes | No | 6.125% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $112693.82 |  | No | 11 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 11.25 |  |  | No |  | $0.00 | $16113.87 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68330488 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2190.00 | $3352.77 |  | XX.XX% | $3366.16 | $3366.16 | 6.125% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8896.25 | 1 | $5986.08 | $901.68 | $498.84 | $75.14 |  |  |  |  |  | 44.398% | 44.398% | 44.398% | 1/XX/2026 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2190.00 |  | 6.100% | $0.00 | 1.5 | DU |  | ApproveEligible | No | No | 6.125% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $60555.51 |  | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 13.26 |  | No | No |  | $0.00 | $16000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62970311 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3506.25 | $11206.87 |  | XX.XX% | $7166.92 | $7166.92 | 5.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15490.99 | 1 | $21062.76 | $1742.16 | $1755.23 | $145.18 |  |  |  |  |  | 45.894% | 45.894% | 45.894% | 10/XX/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $3506.25 |  | 6.240% | $0.00 | 1.3 | DU |  | ApproveEligible | No | No | 5.625% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $469310.98 |  | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 51.76 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68849676 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1695.00 | $3921.18 |  | XX.XX% | $5468.49 | $5468.49 | 6.125% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  | $27268.10 | 1 | $16844.76 | $2199.00 | $1403.73 | $183.25 |  |  |  |  |  | 22.969% | 22.969% | 22.969% | 10/XX/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1695.00 |  | 6.160% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | 6.125% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $78878.50 |  | No | 34 | 7 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 10.06 |  |  | No |  | $0.00 | $9892.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63964907 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $10536.00 | $30506.67 |  | XX.XX% | $5118.18 | $5118.18 | 5.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14619.75 | 1 | $2478.96 | $2523.96 | $206.58 | $210.33 |  |  |  |  |  | 40.518% | 40.518% | 40.518% | 11/XX/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10536.00 |  | 6.190% | $10480.00 | 2.6 | DU |  | ApproveEligible | No | No | 5.125% | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $349114.12 | 29.710% | No | 28 | 34 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 14.14 |  | No | No |  | $0.00 | $18369.76 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69513521 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $5163.20 |  | XX.XX% | $8216.88 | $8216.88 | 6.500% | No | No | Non-Employment Income | Non-Employment Income | Non-Employment Income |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11859.37 | 1 | $16309.32 | $3336.00 | $1359.11 | $278.00 |  |  |  |  |  | 48.996% | 48.996% | 48.996% | 12/XX/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Trust Income]; Trust Agreement - 2026<br> [Coborrower(s) - \| Primary Income - Trust Income]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Trust Income]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Trust Income]; Trustee's Statement - 2025<br> [Coborrower(s) - \| Primary Income - Trust Income]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Trust Income]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Other - 2024 | [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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.060% | $0.00 | 4.4 | DU |  | ApproveIneligible | No | No | 6.500% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $176849.45 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 17.95 |  | No | No |  | $20608.89 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60576489 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1695.00 | $34550.10 |  | XX.XX% | $8559.16 | $8559.16 | 5.250% | No | No | Not Employed | Self-Employed | Self-Employed |  | 23.12 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $96037.69 | 1 | $23684.16 | $1742.16 | $1973.68 | $145.18 |  |  |  |  |  | 30.762% | 30.762% | 30.762% | 1/XX/2026 | 781 | 785 | 816 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1695.00 |  | 6.180% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | 5.250% | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1697064.06 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Classic V5 Facta | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Classic V5 Facta | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  | No | 156.63 |  | No | No |  | $138706.17 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64628759 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1695.00 | $4226.22 |  | XX.XX% | $11830.76 | $11830.76 | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $33381.08 | 1 | $36143.88 | $2678.04 | $3011.99 | $223.17 |  |  |  |  |  | 33.321% | 33.321% | 33.321% | 1/XX/2026 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1695.00 |  | 6.170% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 5.875% | 2 | 1 | 1 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $929802.54 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 48.78 |  | No | No |  | $0.00 | $26363.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68041967 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1695.00 | $961.11 |  | XX.XX% | $9999.32 | $9999.32 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13585.52 | 1 | $25741.80 | $4832.04 | $2145.15 | $402.67 |  |  |  |  |  | 49.992% | 49.992% | 49.992% | 1/XX/2026 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $1695.00 |  | 6.100% | $0.00 | 1.3 | DU |  | ApproveIneligible | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 |  |  | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.71 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68452970 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1695.00 | $3501.96 |  | XX.XX% | $7338.50 | $7338.50 | 6.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12230.60 | 1 | $9680.76 | $1576.56 | $806.73 | $131.38 |  |  |  |  |  | 41.591% | 41.591% | 41.591% | 1/XX/2026 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1695.00 |  | 6.060% | $0.00 | 5.0 | DU |  | ApproveEligible | No | No | 6.000% | 2 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $449136.65 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Classic V5 Facta |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65100803 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6381.60 | $11831.45 |  | XX.XX% | $6447.76 | $6447.76 | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19753.15 | 1 | $13636.32 | $1113.00 | $1136.36 | $92.75 |  |  |  |  |  | 31.712% | 31.712% | 31.712% | 1/XX/2026 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6381.60 |  | 6.060% | $0.00 | 1.1 | DU |  | ApproveIneligible | Yes | No | 5.875% | 1 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $101287.48 |  | No | 1 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 12.86 |  | No | No |  | $0.00 | $8563.19 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68192486 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4935.93 | $9400.57 |  | XX.XX% | $5953.83 | $5953.83 | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17443.82 | 1 | $4083.36 | $5139.00 | $340.28 | $428.25 |  |  |  |  |  | 28.236% | 28.236% | 28.236% | 1/XX/2026 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4935.93 |  | 6.060% | $0.00 | 4.5 | DU |  | ApproveIneligible | No | No | 5.875% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $103139.43 |  | No | 25 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 15.34 |  |  | No |  | $0.00 | $8682.18 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64713282 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4946.25 | $6823.49 |  | XX.XX% | $7644.27 | $7644.27 | 6.000% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12898.64 | 1 | $8397.00 | $5090.04 | $699.75 | $424.17 |  |  |  |  |  | 40.729% | 40.729% | 40.729% | 1/XX/2026 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $4946.25 |  | 6.140% | $0.00 | 3.7 | DU |  | ApproveIneligible | No | No | 6.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $287658.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64348453 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2711.00 | $4898.53 |  | XX.XX% | $5172.02 | $5172.02 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20267.49 | 1 | $18661.08 | $795.36 | $1555.09 | $66.28 |  |  |  |  |  | 39.160% | 39.160% | 39.160% | 9/XX/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2711.00 |  | 6.170% | $0.00 | 2.6 | DU |  | ApproveEligible | No | No | 6.250% | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $401287.29 | 38.210% | No | 32 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 22.22 |  | Yes | No |  | $0.00 | $13062.50 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62209981 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $0.00 |  | XX.XX% | $9697.46 | $9697.46 | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14415.65 | 1 | $17285.16 | $4685.52 | $1440.43 | $390.46 |  |  |  |  |  | 49.859% | 49.859% | 49.859% | 2/XX/2026 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| 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 |  |  | XXX | $1590.00 |  | 6.290% | $36800.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | 6.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $701542.25 | 35.160% | No | 0 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 51.62 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60464897 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $10742.90 |  | XX.XX% | $15494.07 | $15494.07 | 6.125% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $76625.68 | 1 | $8940.00 | $8931.96 | $745.00 | $744.33 |  |  |  |  |  | 23.713% | 23.713% | 23.713% | 10/XX/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1590.00 |  | 6.230% | $0.00 | 1.3 | DU |  | ApproveIneligible | No | No | 6.125% | 2 | 2 | 1 | 0 | 0 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $383436.29 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 59.99 |  |  | No |  | $0.00 | $14286.41 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68608268 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $7307.80 |  | XX.XX% | $11957.78 | $11957.78 | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $37264.28 | 1 | $25331.04 | $2963.04 | $2110.92 | $246.92 |  |  |  |  |  | 43.396% | 43.396% | 43.396% | 12/XX/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; 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 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1590.00 |  | 6.230% | $0.00 | 4.2 | DU |  | ApproveIneligible | Yes | No | 6.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $305207.93 |  | No | 36 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.32 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65744474 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3023.00 | $5929.73 |  | XX.XX% | $5849.31 | $5849.31 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $100088.73 | 1 | $8136.36 | $3651.00 | $678.03 | $304.25 |  |  |  |  |  | 11.404% | 11.404% | 11.404% | 1/XX/2026 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| 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 |  |  | XXX | $3023.00 |  | 6.060% | $0.00 | 3.2 | DU |  | ApproveIneligible | No | No | 6.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $355461.61 |  | No | 24 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 51.2 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63111164 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3084.16 | $14863.98 |  | XX.XX% | $6967.65 | $6967.65 | 7.250% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17355.74 | 1 | $5750.52 | $2076.12 | $479.21 | $173.01 |  |  |  |  |  | 42.000% | 42.000% | 42.000% | 12/XX/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business License - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3084.16 |  | 6.060% | $34050.00 | 1.2 | DU |  | ApproveIneligible | No | No | 7.250% | 2 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $1088038.38 | 95.860% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 140.09 |  | No | No |  | $12350.17 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62075262 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16091.35 | $0.00 |  | XX.XX% | $5907.68 | $5907.68 | 5.125% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17171.03 | 1 | $18120.96 | $1205.16 | $1510.08 | $100.43 |  |  |  |  |  | 40.053% | 40.053% | 40.053% | 1/XX/2026 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16091.35 |  | 6.140% | $50000.00 | 1.0 | DU |  | ApproveIneligible | No | No | 5.125% | 2 | 1 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $649799.22 | 41.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 24.45 |  |  | No |  | $13439.96 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64882831 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1370.00 | $4095.22 |  | XX.XX% | $5656.90 | $5656.90 | 6.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $43971.47 | 1 | $11757.48 | $5497.44 | $979.79 | $458.12 |  |  |  |  |  | 38.110% | 38.110% | 38.110% | 12/XX/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | XXX | $1370.00 |  | 6.130% | $0.00 | 1.8 | DU |  | ApproveIneligible | No | No | 6.250% | 3 | 0 | 2 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $894834.36 | 71.870% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 75.9 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66690528 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1695.00 | $2109.82 |  | XX.XX% | $5652.28 | $5652.28 | 6.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $37012.98 | 1 | $16266.96 | $1203.00 | $1355.58 | $100.25 |  |  |  |  |  | 24.442% | 24.442% | 24.442% | 1/XX/2026 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1695.00 |  | 6.180% | $0.00 | 1.6 | DU |  | ApproveEligible | No | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $39160.97 |  | No | 36 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 4.41 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65323423 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1594.00 | $5891.50 |  | XX.XX% | $6979.46 | $6979.46 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27407.22 | 1 | $12781.44 | $4525.44 | $1065.12 | $377.12 |  |  |  |  |  | 28.139% | 28.139% | 28.139% | 1/XX/2026 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1594.00 |  | 6.180% | $0.00 | 3.4 | DU |  | ApproveIneligible | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $65002.19 |  | No | 36 | 35 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 6.47 |  |  | No |  | $0.00 | $15833.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69311027 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7116.00 | $5360.55 |  | XX.XX% | $6151.99 | $6151.99 | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9195.81 | 1 | $11015.52 | $5686.92 | $917.96 | $473.91 |  |  |  |  |  | 47.948% | 47.948% | 47.948% | 12/XX/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2026 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $7116.00 |  | 6.130% | $25000.00 | 2.2 | DU |  | ApproveIneligible | No | No | 5.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $931736.44 | 56.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.85 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64203740 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5960.00 | $11897.30 |  | XX.XX% | $6562.19 | $6562.19 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21567.45 | 1 | $15364.32 | $5628.00 | $1280.36 | $469.00 |  |  |  |  |  | 37.740% | 37.740% | 37.740% | 1/XX/2026 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5960.00 |  | 6.140% | $0.00 | 2.9 | DU |  | ApproveEligible | No | No | 6.125% | 3 | 3 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $190251.13 |  | No |  | 24 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 21.76 |  |  | No |  | $0.00 | $13391.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67063980 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $5311.79 |  | XX.XX% | $9112.61 | $9112.61 | 6.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15908.15 | 1 | $19519.32 | $5651.04 | $1626.61 | $470.92 |  |  |  |  |  | 43.402% | 43.402% | 43.402% | 1/XX/2026 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1590.00 |  | 6.170% | $0.00 | 4.5 | DU |  | ApproveIneligible | Yes | No | 6.250% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $2998063.58 |  | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 246.99 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65583630 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $4174.56 | $7009.80 |  | XX.XX% | $3866.70 | $3866.70 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7107.76 | 1 | $8467.80 | $1348.68 | $705.65 | $112.39 |  |  |  |  |  | 44.412% | 44.412% | 44.412% | 1/XX/2026 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $4174.56 |  | 6.140% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 6.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $29917.73 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.39 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61269320 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $11094.30 |  | XX.XX% | $8004.32 | $8004.32 | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $154425.52 | 1 | $23585.40 | $4952.04 | $1965.45 | $412.67 |  |  |  |  |  | 7.510% | 7.510% | 7.510% | 1/XX/2026 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.060% | $0.00 | 4.1 | DU |  | ApproveIneligible | Yes | No | 6.250% | 3 |  | 2 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1013680.48 | 48.730% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.26 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63243490 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1650.00 | $3655.38 |  | XX.XX% | $10910.51 | $10910.51 | 6.250% | Yes | No | Non-Employment Income | Self-Employed | Employed |  | 11.85 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $16127.59 | 1 | $26873.04 | $7512.96 | $2239.42 | $626.08 |  |  |  |  |  | 49.050% | 49.050% | 49.050% | 2/XX/2026 | 754 | 754 | 777 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2026<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; Other - 2026<br> [Coborrower(s) - \| Primary Income - C-Corp]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - C-Corp]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - C-Corp]; 1120 - 2024<br> [Coborrower(s) - \| Primary Income - C-Corp]; 1120 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1650.00 |  | 6.170% | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | 6.250% | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $218735.98 |  | No |  |  | 24 |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  | No | 15.49 |  |  | No |  | $6717.33 | $14483.54 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60562368 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1650.00 | $4231.64 |  | XX.XX% | $5974.03 | $5974.03 | 6.125% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26253.03 | 1 | $15555.96 | $9760.80 | $1296.33 | $813.40 |  |  |  |  |  | 31.873% | 31.873% | 31.873% | 1/XX/2026 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - K-1 (< 25%)]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1650.00 |  | 6.130% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.125% | 0 | 0 | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $454685.34 | 36.990% | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 22.78 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61614363 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $5863.40 |  | XX.XX% | $8044.91 | $8044.91 | 5.875% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12304.64 | 1 | $22923.24 | $1443.36 | $1910.27 | $120.28 |  |  |  |  |  | 49.614% | 49.614% | 49.614% | 1/XX/2026 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1590.00 |  | 6.140% | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | 5.875% | 2 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $529186.60 | 30.670% | No | 24 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 13.45 |  | Yes | No |  | $6148.68 | $2441.39 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62112448 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1650.00 | $8193.21 |  | XX.XX% | $7291.33 | $7291.33 | 6.125% | No | Yes | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $23539.85 | 1 | $16475.28 | $1962.00 | $1372.94 | $163.50 |  |  |  |  |  | 35.872% | 35.872% | 35.872% | 11/XX/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1650.00 |  | 6.140% | $0.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.125% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1157213.32 | 77.140% | No |  | 0 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 123.48 |  | Yes | No |  | $0.00 | $18333.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64593644 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1590.00 | $4363.93 |  | XX.XX% | $4777.13 | $4777.13 | 6.125% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20194.43 | 1 | $6992.40 | $1551.00 | $582.70 | $129.25 |  |  |  |  |  | 31.087% | 31.087% | 31.087% | 2/XX/2026 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1590.00 |  | 6.060% | $0.00 | 3.6 | DU |  | ApproveEligible | Yes | No | 6.125% | 1 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $60860.67 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 10.03 |  |  | No |  | $10487.29 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67456039 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6111.00 | $8642.10 |  | XX.XX% | $4125.68 | $4125.68 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $7945.52 | 1 | $9681.00 | $2309.04 | $806.75 | $192.42 |  |  |  |  |  | 44.786% | 44.786% | 44.786% | 1/XX/2026 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6111.00 |  | 6.100% | $0.00 | 1.1 | DU |  | ApproveEligible | Yes | No | 6.125% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $30896.87 |  | No | 24 | 24 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 6.36 |  |  | No |  | $0.00 | $8416.77 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 65351872 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1650.00 | $13370.56 |  | XX.XX% | $13245.91 | $13245.91 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26594.30 | 1 | $32792.88 | $3339.84 | $2732.74 | $278.32 |  |  |  |  |  | 45.550% | 45.550% | 45.550% | 1/XX/2026 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2022<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1650.00 |  | 6.060% | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | 6.125% | 2 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $3907814.55 | 100.000% | No | 24 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 200.17 |  | Yes | No |  | $20000.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68648438 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1640.00 | $7350.20 |  | XX.XX% | $8676.63 | $8676.63 | 6.125% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14683.21 | 1 | $28815.84 | $2645.52 | $2401.32 | $220.46 |  |  |  |  |  | 48.469% | 48.469% | 48.469% | 12/XX/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Business License - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.140% | $11663.00 | 1.0 | DU |  | ApproveIneligible | Yes | No | 6.125% | 2 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $926920.18 | 51.920% | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 48.76 |  | No | No |  | $10855.29 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60905564 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $8111.48 | $11410.08 |  | XX.XX% | $4901.11 | $4901.11 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21173.00 | 1 | $12993.96 | $2469.96 | $1082.83 | $205.83 |  |  |  |  |  | 42.802% | 42.802% | 42.802% | 1/XX/2026 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [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 |  |  | XXX | $8111.48 |  | 6.140% | $0.00 | 2.0 | DU |  | ApproveEligible | Yes | No | 6.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $484106.24 | 48.650% | No | 36 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.89 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67979964 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $5183.88 | $18285.79 |  | XX.XX% | $5260.91 | $5260.91 | 5.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10198.67 | 1 | $13460.76 | $3779.52 | $1121.73 | $314.96 |  |  |  |  |  | 41.265% | 41.265% | 41.265% | 1/XX/2026 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $5183.88 |  | 6.140% | $0.00 | 1.1 | DU |  | ApproveEligible | Yes | No | 5.750% | 1 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $51460.28 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 7.68 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66478254 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1640.00 | $7648.50 |  | XX.XX% | $7142.32 | $7142.32 | 6.250% | No | Yes | Employed | Employed | Employed |  | 34.43 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $14298.47 | 1 | $15765.12 | $3396.12 | $1313.76 | $283.01 |  |  |  |  |  | 49.566% | 49.566% | 49.566% | 2/XX/2026 | 766 | 817 | 835 | 834 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2026<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1640.00 |  | 6.100% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 6.250% | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $1234288.86 | 85.120% | No | 24 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | 122.39 |  | No | No |  | $5000.00 | $11133.78 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61359294 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1490.00 | $0.00 |  | XX.XX% | $2041.41 | $2041.41 | 5.000% | No | No | Self-Employed | Non-Employment Income | Non-Employment Income |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8926.76 | 1 | $2742.00 | $564.96 | $228.50 | $47.08 |  |  |  |  |  | 40.468% | 40.468% | 40.468% | 1/XX/2026 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1490.00 |  | 6.100% | $9695.22 | 5.0 | DU |  | ApproveEligible | No | No | 5.000% | 0 | 0 | 1 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $186198.97 | 35.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 15.19 |  | No | No |  | $1704.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60842587 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26825.00 | $53819.64 |  | XX.XX% | $6887.65 | $6887.65 | 5.375% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $32151.90 | 1 | $20448.36 | $5894.64 | $1704.03 | $491.22 |  |  |  |  |  | 34.815% | 34.815% | 34.815% | 11/XX/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $26825.00 |  | 6.270% | $30000.00 |  | LP / LPA |  | Accept/Ineligible | No | No | 5.375% | 0 | 2 | 1 | 0 | 2 | 2 |  |  | 11.50 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $746914.33 | 38.300% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 4.27 |  | No | No |  | $0.00 | $10461.41 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66356689 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2290.00 | $20220.38 |  | XX.XX% | $7763.93 | $7763.93 | 5.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  |  | $35476.66 | 1 | $25701.24 | $7987.80 | $2141.77 | $665.65 |  |  |  |  |  | 38.763% | 38.763% | 38.763% | 12/XX/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2290.00 |  | 6.190% | $0.00 | 3.6 | DU |  | ApproveIneligible | No | No | 5.875% | 1 | 1 | 1 | 0 | 1 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $198656.14 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  | No | 18.48 |  | No | No |  | $28133.46 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64367899 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1795.00 | $6757.66 |  | XX.XX% | $7096.17 | $7096.17 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22672.59 | 1 | $4685.76 | $1757.04 | $390.48 | $146.42 |  |  |  |  |  | 27.069% | 27.069% | 27.069% | 10/XX/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1795.00 |  | 6.270% | $0.00 | 1.5 | DU |  | ApproveEligible | N/A | No | 6.375% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $1271347.16 | 89.410% | No | 1 | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 121.27 |  |  | No |  | $0.00 | $8171.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66644146 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6938.60 | $16517.58 |  | XX.XX% | $6912.24 | $6912.24 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9094.13 | 1 | $6099.96 | $1016.04 | $508.33 | $84.67 |  |  |  |  |  | 49.534% | 49.534% | 49.534% | 12/XX/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Projected Income]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Projected Income]; VVOE - 2026 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6938.60 |  | 6.180% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | 6.125% | 1 | 0 | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $745886.45 | 52.450% | No | 22 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 60.99 |  | Yes | No |  | $5000.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67961348 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $14484.59 | $17269.30 |  | XX.XX% | $3523.10 | $3523.10 | 5.500% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10541.59 | 1 | $12450.12 | $971.28 | $1037.51 | $80.94 |  |  |  |  |  | 35.902% | 35.902% | 35.902% | 12/XX/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $14484.59 |  | 6.220% | $15000.00 | 1.0 | DU |  | ApproveEligible | No | No | 5.500% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $197185.47 | 25.420% | No | 33 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 7.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67734744 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16715.00 | $43831.84 |  | XX.XX% | $14194.73 | $14194.73 | 5.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22254.06 | 1 | $19905.36 | $1571.04 | $1658.78 | $130.92 |  |  |  |  |  | 47.081% | 47.081% | 47.081% | 12/XX/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $16715.00 |  | 6.250% | $0.00 | 2.7 | DU |  | ApproveIneligible | No | No | 5.500% | 2 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $1935837.67 |  | No | 36 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | 121.11 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64812033 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1690.00 | $2339.18 |  | XX.XX% | $2363.43 | $2363.43 | 5.250% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13444.87 | 1 | $6123.36 | $1454.88 | $510.28 | $121.24 |  |  |  |  |  | 35.598% | 35.598% | 35.598% | 1/XX/2026 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022 | [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 |  |  | XXX | $1690.00 |  | 6.170% | $5037.56 | 4.5 | DU |  | ApproveEligible | No | No | 5.250% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $188756.67 | 35.280% | No |  | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 |  |  |  |  |  |  |  |  |  |  |  |  | 24.29 |  | No | No |  | $6457.35 | $7916.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69918749 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12069.84 | $22245.14 |  | XX.XX% | $6719.48 | $6719.48 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11972.91 | 1 | $4910.04 | $3294.96 | $409.17 | $274.58 |  |  |  |  |  | 48.274% | 48.274% | 48.274% | 1/XX/2026 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12069.84 |  | 6.060% | $0.00 | 4.5 | DU |  | ApproveIneligible | No | No | 6.750% | 3 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $661848.88 | 51.100% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | Yes | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.24 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69923607 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6570.69 | $21249.82 |  | XX.XX% | $5780.50 | $5780.50 | 6.125% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | India |  |  |  | $13001.27 | 1 | $17791.92 | $2510.88 | $1482.66 | $209.24 |  |  |  |  |  | 39.310% | 39.310% | 39.310% | 11/XX/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6570.69 |  | 6.180% | $20000.00 | 3.8 | LP / LPA |  | Accept/Ineligible | No | No | 6.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $552524.94 | 46.460% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 39.58 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66502061 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1390.00 | $6790.44 |  | XX.XX% | $5110.95 | $5110.95 | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27126.26 | 1 | $13724.76 | $2934.00 | $1143.73 | $244.50 |  |  |  |  |  | 37.182% | 37.182% | 37.182% | 10/XX/2025 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1390.00 |  | 6.230% | $0.00 | 2.1 | LP / LPA |  | Accept/Eligible | Yes | No | 6.750% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $328474.78 | 33.340% | No | 34 |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 12.58 |  | No | No |  | $0.00 | $8430.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63340457 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $3209.63 | $6949.63 |  | XX.XX% | $6786.77 | $6786.77 | 6.375% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8159.50 | 1 | $13102.32 | $1508.04 | $1091.86 | $125.67 |  |  |  |  |  | 49.610% | 49.610% | 49.610% | 12/XX/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $3209.63 |  | 6.220% | $0.00 | 1.6 | DU |  | ApproveEligible | No | No | 6.375% | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $71116.89 |  | No |  | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 8.1 |  |  | No |  | $0.00 | $16192.80 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60970730 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $2110.04 |  | XX.XX% | $12655.86 | $12655.86 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24794.81 | 1 | $28737.72 | $5838.00 | $2394.81 | $486.50 |  |  |  |  |  | 40.312% | 40.312% | 40.312% | 1/XX/2026 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1590.00 |  | 6.250% | $0.00 | 3.3 | DU |  | ApproveIneligible | Yes | No | 6.250% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $367942.28 |  | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 25.37 |  |  | No |  | $0.00 | $20000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64212143 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1790.00 | $2107.88 |  | XX.XX% | $8573.76 | $8573.76 | 6.625% | No | No | Employed | Not Employed |  |  |  |  | Non-Permanent Resident Alien | US Citizen |  |  | United Kingdom of Great Britain and Northern Ireland | United Kingdom of Great Britain and Northern Ireland | United Kingdom of Great Britain and Northern Ireland |  | $18522.43 | 1 | $35644.80 | $9367.08 | $2970.40 | $780.59 |  |  |  |  |  | 41.508% | 41.508% | 41.508% | 1/XX/2026 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1790.00 |  | 6.180% | $0.00 | 2.4 | DU |  | ApproveIneligible | No | No | 6.625% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $121832.52 |  | No | 5 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  | VISA |  |  |  | No | 6.91 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68398393 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2590.00 | $8683.80 |  | XX.XX% | $6258.39 | $6258.39 | 6.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9942.74 | 1 | $20403.60 | $3808.32 | $1700.30 | $317.36 |  |  |  |  |  | 49.058% | 49.058% | 49.058% | 1/XX/2026 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2590.00 |  | 6.140% | $0.00 | 3.4 | LP / LPA |  | Accept/Eligible | No | No | 6.125% | 0 | 0 | 1 | 0 | 2 | 0 |  |  |  | No |  |  |  |  | 240 | Not Stated |  |  |  | 3/XX/2056 | $2017357.51 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple |  | Individually and as Trustee | Individually and as Trustee | Individually and as Trustee | Individually and as Trustee |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 238.07 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64271335 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1495.00 | $3816.56 |  | XX.XX% | $3297.53 | $3297.53 | 6.000% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $37322.09 | 1 | $10559.40 | $2166.24 | $879.95 | $180.52 |  |  |  |  |  | 19.307% | 19.307% | 19.307% | 1/XX/2026 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1495.00 |  | 6.140% | $12500.00 | 3.7 | DU |  | ApproveEligible | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $841510.08 | 96.170% | No | 36 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II |  | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 114.41 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68693922 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10946.50 | $16818.47 |  | XX.XX% | $15756.20 | $15756.20 | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $66849.17 | 1 | $39917.28 | $8653.32 | $3326.44 | $721.11 |  |  |  |  |  | 28.885% | 28.885% | 28.885% | 12/XX/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10946.50 |  | 6.270% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | 6.250% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  | UTD | No |  | Not Stated |  |  |  | 3/XX/2056 | $724810.17 |  | No | 36 | 11 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 34.81 |  | No | No |  | $0.00 | $29166.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62061440 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1890.00 | $8574.25 |  | XX.XX% | $10640.77 | $10640.77 | 6.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19886.70 | 1 | $22628.64 | $4493.64 | $1885.72 | $374.47 |  |  |  |  |  | 49.929% | 49.929% | 49.929% | 12/XX/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1890.00 |  | 6.060% | $2000.00 | 1.0 | LP / LPA |  | Accept/Ineligible | No | No | 6.000% | 0 |  | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $589371.57 | 26.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.25 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64964463 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1290.00 | $8028.88 |  | XX.XX% | $5815.03 | $5815.03 | 6.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19149.41 | 1 | $7697.40 | $8817.00 | $641.45 | $734.75 |  |  |  |  |  | 45.365% | 45.365% | 45.365% | 1/XX/2026 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1290.00 |  | 6.140% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | 6.500% | 1 | 0 | 2 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $450497.58 | 39.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 27.1 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62462549 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $22933.60 | $40069.15 |  | XX.XX% | $6562.48 | $6562.48 | 5.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8467.34 | 1 | $14914.68 | $2685.00 | $1242.89 | $223.75 |  |  |  |  |  | 49.359% | 49.359% | 49.359% | 2/XX/2026 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $22933.60 |  | 6.130% | $0.00 | 1.0 | DU |  | ApproveEligible | Yes | No | 5.625% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $156214.51 | 10.960% | No | 25 | 25 |  |  | Yes | Final | Fee Simple |  | Individually and as Trustee | Individually and as Trustee | Individually and as Trustee | Individually and as Trustee |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 13.33 |  |  | No |  | $0.00 | $9957.04 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67822315 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1490.00 | $5248.68 |  | XX.XX% | $3169.26 | $3169.26 | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12845.89 | 1 | $7320.24 | $3501.00 | $610.02 | $291.75 |  |  |  |  |  | 33.723% | 33.723% | 33.723% | 1/XX/2026 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1490.00 |  | 6.130% | $15000.00 | 1.4 | DU |  | ApproveEligible | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $182761.14 | 28.780% | No | 25 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 12.7 |  | Yes | No |  | $0.00 | $6715.42 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66436164 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $3172.25 |  | XX.XX% | $15164.58 | $15164.58 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $25754.32 | 1 | $39718.56 | $5563.32 | $3309.88 | $463.61 |  |  |  |  |  | 49.357% | 49.357% | 49.357% | 9/XX/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1590.00 |  | 6.630% | $0.00 | 1.2 | DU |  | ApproveIneligible | Yes | No | 6.500% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 10/XX/2055 | $706618.80 | 23.560% | No |  | 31 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 23.34 |  | No | No |  | $0.00 | $32104.96 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68236480 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $3736.50 |  | XX.XX% | $8749.59 | $8749.59 | 6.125% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | Australia |  |  |  | $17087.83 | 1 | $14605.68 | $4184.04 | $1217.14 | $348.67 |  |  |  |  |  | 39.690% | 39.690% | 39.690% | 1/XX/2026 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1590.00 |  | 6.170% | $2500.00 | 2.0 | LP / LPA |  | Accept/Ineligible | No | No | 6.125% | 0 |  | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $719630.00 | 39.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 32.57 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64591965 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $4996.10 |  | XX.XX% | $9974.62 | $9974.62 | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26253.84 | 1 | $18073.68 | $13405.20 | $1506.14 | $1117.10 |  |  |  |  |  | 46.146% | 46.146% | 46.146% | 2/XX/2026 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1590.00 |  | 6.140% | $0.00 | 1.0 | DU |  | ApproveIneligible | No | No | 6.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $621968.28 | 30.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.06 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61205025 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 |  |  | XX.XX% | $7483.95 | $7483.95 | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14500.71 | 1 | $16233.60 | $1166.16 | $1352.80 | $97.18 |  |  |  |  |  | 45.440% | 45.440% | 45.440% | 11/XX/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.170% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 5.875% | 1 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 12/XX/2055 | $509949.27 | 32.240% | No |  |  |  |  | Yes | Final | Fee Simple |  | Individually and as Trustee | Individually and as Trustee | Individually and as Trustee | Individually and as Trustee |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 26.05 |  | Yes | No |  | $3706.67 | $8000.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68619044 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 |  |  | XX.XX% | $5039.75 | $5039.75 | 5.375% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $11159.87 | 1 | $17534.16 | $1727.04 | $1461.18 | $143.92 |  |  |  |  |  | 39.583% | 39.583% | 39.583% | 12/XX/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX |  |  | 6.060% | $0.00 | 4.3 | DU |  | ApproveIneligible | N/A | No | 5.375% | 1 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $505094.04 | 39.630% | No | 15 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 19.67 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 61699743 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10589.56 | $14896.44 |  | XX.XX% | $8887.52 | $8887.52 | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $30811.25 | 1 | $6699.60 | $3074.04 | $558.30 | $256.17 |  |  |  |  |  | 42.061% | 42.061% | 42.061% | 10/XX/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2025<br> [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $10589.56 |  | 6.180% | $319100.00 | 4.0 | DU |  | ApproveIneligible | N/A | No | 6.625% | 0 |  | 2 | 0 | 4 | 2 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $193044.40 | 11.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.51 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63042746 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2190.00 | $8680.00 |  | XX.XX% | $7644.17 | $7644.17 | 7.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22049.05 | 1 | $14549.04 | $7122.00 | $1212.42 | $593.50 |  |  |  |  |  | 46.959% | 46.959% | 46.959% | 12/XX/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [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) - No Results Returned - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2190.00 |  | 6.180% | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | 7.625% | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 10.97 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $226059.89 | 16.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 6.2 |  | Yes | No |  | $12026.84 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68972240 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $11370.00 | $16307.27 |  | XX.XX% | $6118.42 | $6118.42 | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16669.97 | 1 | $16248.60 | $3906.96 | $1354.05 | $325.58 |  |  |  |  |  | 46.607% | 46.607% | 46.607% | 12/XX/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<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]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $11370.00 |  | 6.140% | $12800.00 |  | LP / LPA |  | Accept/Eligible | No | No | 6.500% | 2 | 2 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $680501.63 | 56.230% | No | 35 | 35 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 53.21 |  | Yes | No |  | $0.00 | $12083.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66230589 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $6028.55 | $6736.19 |  | XX.XX% | $2179.29 | $2179.29 | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $6313.81 | 1 | $2411.16 | $854.04 | $200.93 | $71.17 |  |  |  |  |  | 45.097% | 45.097% | 45.097% | 1/XX/2026 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $6028.55 |  | 6.100% | $0.00 | 3.2 | DU |  | ApproveEligible | N/A | No | 6.750% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $236212.42 | 56.240% | No | 25 | 24 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 50.58 |  | No | No |  | $0.00 | $5703.90 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64947364 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2245.00 | $8424.50 |  | XX.XX% | $6295.09 | $6295.09 | 6.250% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10617.81 | 1 | $15975.00 | $2656.92 | $1331.25 | $221.41 |  |  |  |  |  | 46.016% | 46.016% | 46.016% | 1/XX/2026 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1099 - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 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]; 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 |  |  | XXX | $2245.00 |  | 6.100% | $0.00 | 1.0 | DU |  | ApproveEligible | N/A | No | 6.250% | 2 | 3 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $213954.24 | 16.740% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 1.79 |  | Yes | No |  | $6022.89 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 63476143 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8782.50 | $11880.95 |  | XX.XX% | $6287.11 | $6287.11 | 7.000% | No | No | Employed | Employed | Employed |  | 15.71 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $9689.76 | 1 | $6900.00 | $1569.00 | $575.00 | $130.75 |  |  |  |  |  | 48.668% | 48.668% | 48.668% | 9/XX/2025 | 706 | 761 | 757 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $8782.50 |  | 6.260% | $0.00 | 4.8 | DU |  | ApproveIneligible | N/A | No | 7.000% | 2 | 1 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $11674.62 |  | No | 35 | 18 | 34 |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  | No | 1.04 |  |  | No |  | $956.06 | $9894.30 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62129201 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $9443.98 | $14064.82 |  | XX.XX% | $3398.38 | $3398.38 | 5.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13686.14 | 1 | $17033.40 | $3297.96 | $1419.45 | $274.83 |  |  |  |  |  | 40.279% | 40.279% | 40.279% | 10/XX/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $9443.98 |  | 6.190% | $4120.00 | 3.3 | DU |  | ApproveEligible | N/A | No | 5.875% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 1/XX/2056 | $1031547.76 | 89.770% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 88.31 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 60790564 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1670.00 | $12923.88 |  | XX.XX% | $15675.29 | $15675.29 | 6.500% | No | No | Employed | Employed | Employed |  | 27.39 |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $27351.86 | 1 | $43233.72 | $3413.04 | $3602.81 | $284.42 |  |  |  |  |  | 47.007% | 47.007% | 47.007% | 11/XX/2025 | 772 | 802 | 776 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1670.00 |  | 6.270% | $320000.00 |  | LP / LPA |  | Accept/Ineligible | No | No | 6.500% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $936703.64 | 30.210% | No | 6 | 32 | 34 |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | 29 |  | Yes | No |  | $0.00 | $33613.85 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67762457 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2944.00 | $7035.93 |  | XX.XX% | $5619.61 | $5619.61 | 5.875% | No | Yes | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28616.50 | 1 | $6753.00 | $1854.96 | $562.75 | $154.58 |  |  |  |  |  | 28.734% | 28.734% | 28.734% | 12/XX/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2025<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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2944.00 |  | 6.250% | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | 5.875% | 2 | 2 | 2 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $619153.98 | 42.700% | No | 25 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 15.04 |  | Yes | No |  | $0.00 | $35000.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 68993173 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12504.31 | $13840.95 |  | XX.XX% | $6821.97 | $6821.97 | 5.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22787.20 | 1 | $23305.32 | $2924.64 | $1942.11 | $243.72 |  |  |  |  |  | 28.511% | 28.511% | 28.511% | 11/XX/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $12504.31 |  | 6.250% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 5.750% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $153997.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | 13.08 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 69063734 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2515.00 | $12269.55 |  | XX.XX% | $8628.07 | $8628.07 | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15461.50 | 1 | $22187.52 | $4280.40 | $1848.96 | $356.70 |  |  |  |  |  | 45.075% | 45.075% | 45.075% | 11/XX/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $2515.00 |  | 6.250% | $4125.00 | 1.0 | DU |  | ApproveIneligible | No | No | 6.125% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $1534885.84 | 86.470% | No | 35 | 35 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 105.71 |  | No | No |  | $0.00 | $13157.31 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66704977 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7190.00 | $10684.31 |  | XX.XX% | $6683.72 | $6683.72 | 6.125% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27065.26 | 1 | $17158.92 | $6254.04 | $1429.91 | $521.17 |  |  |  |  |  | 49.164% | 49.164% | 49.164% | 11/XX/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021 | [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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $7190.00 |  | 6.250% | $0.00 | 3.0 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.125% | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $427076.53 | 31.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 13.32 |  | Yes | No |  | $645.90 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 66946470 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1325.00 | $4017.14 |  | XX.XX% | $5864.38 | $5864.38 | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9482.30 | 1 | $26609.16 | $2862.96 | $2217.43 | $238.58 |  |  |  |  |  | 47.076% | 47.076% | 47.076% | 1/XX/2026 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1325.00 |  | 6.180% | $0.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | 6.375% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $898447.93 | 75.180% | No | 36 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.84 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 62138988 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1500.00 | $15858.28 |  | XX.XX% | $12326.76 | $12326.76 | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22181.11 | 1 | $28585.80 | $8427.00 | $2382.15 | $702.25 |  |  |  |  |  | 48.398% | 48.398% | 48.398% | 1/XX/2026 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $1500.00 |  | 6.180% | $0.00 | 1.0 | DU |  | ApproveIneligible | N/A | No | 6.000% | 0 | 2 | 1 | 0 | 4 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $672663.42 | 26.170% | No | 3 | 24 |  |  | Yes | Preliminary | Fee Simple |  | Individually and as Trustee | Individually and as Trustee | Individually and as Trustee | Individually and as Trustee |  |  |  |  |  |  |  |  |  | No | Individually and as Trustee | No |  | No | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO II | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 8.72 |  | No | No |  | $0.00 | $25068.12 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67668382 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $19634.86 | $37176.17 |  | XX.XX% | $4884.01 | $4884.01 | 5.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12372.04 | 1 | $5400.00 | $786.00 | $450.00 | $65.50 |  |  |  |  |  | 42.898% | 42.898% | 42.898% | 1/XX/2026 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $19634.86 |  | 6.170% | $44959.60 |  | LP / LPA |  | Accept/Ineligible | No | No | 5.125% | 1 |  | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 2/XX/2056 | $220301.55 | 18.420% | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.82 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 67435240 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18769.27 | $22008.67 |  | XX.XX% | $5191.07 | $5191.07 | 5.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20434.50 | 1 | $6947.76 | $3810.96 | $578.98 | $317.58 |  |  |  |  |  | 33.257% | 33.257% | 33.257% | 1/XX/2026 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2026<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $18769.27 |  | 6.060% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 5.000% | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 | $142819.43 | 10.900% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 13.6 |  | Yes | No |  | $0.00 | $18116.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| [redacted] | [redacted] | [redacted] | [redacted] | 64610197 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21886.20 | $31272.90 |  | XX.XX% | $12079.96 | $12079.96 | 5.750% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16691.31 | 1 | $43827.72 | $6995.04 | $3652.31 | $582.92 |  |  |  |  |  | 49.898% | 49.898% | 49.898% | 1/XX/2026 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025 | [Borrower]; 4506-C - 2025<br> [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<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXX | $21886.20 |  | 6.140% | $366000.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | 5.750% | 0 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 3/XX/2056 |  |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | 12.06 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 |

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## Exhibit 99.1

![](situs_logo.jpg)

#### Data Compare Summary (Total)

#### Run Date - 3/31/2026 4:41:03 PM

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Street | 0 | 210 | 0.00% | 254 |
| City | 0 | 254 | 0.00% | 254 |
| State | 0 | 254 | 0.00% | 254 |
| Zip | 0 | 254 | 0.00% | 254 |
| Borrower First Name | 0 | 210 | 0.00% | 254 |
| Borrower Last Name | 0 | 210 | 0.00% | 254 |
| Borrower SSN | 0 | 210 | 0.00% | 254 |
| Original Loan Amount | 1 | 254 | 0.39% | 254 |
| Original Interest Rate | 0 | 247 | 0.00% | 254 |
| Representative FICO | 0 | 254 | 0.00% | 254 |
| Property Type | 0 | 254 | 0.00% | 254 |
| Occupancy | 0 | 254 | 0.00% | 254 |
| Purpose | 0 | 254 | 0.00% | 254 |
| Balloon Flag | 0 | 210 | 0.00% | 254 |
| Original CLTV | 0 | 254 | 0.00% | 254 |
| Original LTV | 0 | 254 | 0.00% | 254 |
| Lender | 0 | 210 | 0.00% | 254 |
| Product Description | 0 | 210 | 0.00% | 254 |
| Originator Loan Designation | 0 | 210 | 0.00% | 254 |
| Investor: Qualifying Total Debt Ratio | 2 | 254 | 0.79% | 254 |
| PITIA Reserves Months | 0 | 81 | 0.00% | 254 |
| Refi Purpose | 0 | 13 | 0.00% | 254 |
| Note Date | 5 | 44 | 11.36% | 254 |
| Original Term | 0 | 46 | 0.00% | 254 |
| Maturity Date | 44 | 46 | 95.65% | 254 |
| Amortization Type | 0 | 44 | 0.00% | 254 |
| Appraised Value | 0 | 44 | 0.00% | 254 |
| # of Units | 0 | 46 | 0.00% | 254 |
| Originator Application Date | 0 | 37 | 0.00% | 254 |
| First Payment Date | 0 | 2 | 0.00% | 254 |
| Lien Position | 0 | 2 | 0.00% | 254 |
| Margin | 0 | 2 | 0.00% | 254 |
| LTV Valuation Value | 0 | 2 | 0.00% | 254 |
| MERS Min Number | 0 | 2 | 0.00% | 254 |
| Contract Sales Price | 0 | 1 | 0.00% | 254 |
| **Total** | **52** | **5133** | **1.01%** | **254** |

---

## Exhibit 99.2

![](opus_logo.jpg)

## GSMBS 2026-PJ6

Opus Capital Markets Consultants, LLC<br> Executive Narrative<br>

Opus Capital Markets Consultants, LLC

5718 Westheimer Road \| Suite 1000

Houston, TX 77057<br> 224.632.1300 \| www.opuscmc.com

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### Executive Narrative

#### April 1, 2026

#### Performed by

#### Opus Capital Markets Consultants, LLC

#### For

#### Goldman Sachs Mortgage Company

This report summarizes the results of a due diligence review performed on eighteen (18) loans provided by Goldman Sachs Mortgage Company (Customer) who provided Opus Captial Markets Consultants, LLC (Consultant) with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed compliance and credit review on the loans.

As detailed herein, the pool contains eighteen (18) credit and compliance loans identified as QM: Safe Harbor APOR (APOR SH). There are three (3) loans eligible for GSE delivery and was underwritten to the AUS provided in the loan file. Fifteen (15) loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

### EXHIBIT A

<br> 1. Credit Qualification

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

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| | |
|:---|:---|
| **1.1** | **Guidelines** |

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Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

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| | |
|:---|:---|
| **1.2** | **Employment** |

---

Review the file documentation for minimum required level of opus employment, income and asset verifications pursuant to Client provided underwriting guidelines.

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| | |
|:---|:---|
| **1.3** | **Income** |

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Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines.

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| | |
|:---|:---|
| **1.4** | **Assets** |

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Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

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| | |
|:---|:---|
| **1.5** | **Debt Ratio** |

---

Recalculate the debt to income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

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| | |
|:---|:---|
| **1.6** | **Property Valuation** |

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

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| | |
|:---|:---|
| **1.7** | **Loan-to-Value Ratio** |

---

Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

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| | |
|:---|:---|
| **1.8** | **Credit History** |

---

Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

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| | |
|:---|:---|
| **1.9** | **Credit Scores** |

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Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines

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| | |
|:---|:---|
| **1.10** | **Compensating Factors** |

---

Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

<br> 2. Document Review

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

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| | |
|:---|:---|
| **2.1** | **Collateral Docs** |

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<br> 2.1.1 Title Commitment / Policy

Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

<br> 2.1.2 Mortgage Note / Security Instrument

Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

<br> 2.1.3 Mortgage / Deed of Trust

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

<br> 2.1.4 Conveyance Deed

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

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| | |
|:---|:---|
| **2.2** | **Closing Docs** |

---

<br> 2.2.1 Final Hud-1 Settlement Statement

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

<br> 2.2.2 Final Truth-in-Lending Disclosure

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

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<br> 2.2.3 Notice of Right to Cancel

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2.4 If required verify the presence of the current Loan Estimate (LE) at the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2.5 If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

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| | |
|:---|:---|
| **2.3** | **Credit Docs** |

---

<br> 2.3.1 Loan Application

Verify the presence and completeness of both the initial and final loan applications.

<br> 2.3.2 Underwriting Worksheet

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

<br> 2.3.3 Credit Report

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

<br> 2.3.4 Housing Payment History

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

<br> 2.3.5 Letters of Explanation

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

<br> 2.3.6 Gift Letters

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

<br> 2.3.7 Income Documentation

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

<br> 2.3.8 Asset Documentation

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

<br> 2.3.9 Property Valuation Tools

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

<br> 2.3.10 Proof of Insurance

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

<br> 3. Regulatory Compliance

Each mortgage loan file will be subject to a post-closing regulatory compliance review to verify that each mortgage loan closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the loans meet the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as

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implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending.

The regulatory compliance review will be conducted in line with the most recently dated Structured Finance Industry Group (SFIG) RMBS TRID Compliance Review Scope with an effective date of October 2018.

---

| | |
|:---|:---|
| **3.1** | **Third Party Fees** |

---

If a third party charge appears to be unreasonable based upon the reviewer's experience, the fee will be considered unreasonable for purposes of tolerance testing and finance charge calculation (as applicable).

---

| | |
|:---|:---|
| **3.2** | **Federal Truth in Lending Act/Regulation Z:** |

---

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s). Further, a review of proper rescission model form usage will be conducted in accordance with Circuit Court ruling methodology related to use of the H8 vs. H9 forms on same lender rescindable transactions. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Opus will note in the condition whether or not there was a new advance that is subject to rescission per TILA/Regulation Z.

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| | |
|:---|:---|
| **3.3** | **Business Days as Defined by Regulation Z:** |

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General business day is defined as the days on which a creditor's offices are open to the public for carrying on substantially all of its business functions excluding Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

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| | |
|:---|:---|
| **3.4** | **MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):** |

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<br> 3.4.1 Initial Delivery: Creditor must deliver the Initial Disclosures within 3 "general" business days of application

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<br> 3.4.2 No Pre-disclosure Fees: Creditor may not charge fees, other than credit report fee, prior to borrower receiving the Initial Disclosures

<br> 3.4.3 7 Day Waiting Period: Creditor must deliver the Initial Disclosures more than 7 "specific" business days prior to closing

<br> 3.4.4 3 Day Waiting Period: Creditor must issue revised disclosures if APR in initial disclosures becomes inaccurate. Closing may not occur until the 3rd "specific" business day after the consumer receives the corrected disclosures.

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| 3.4.5 | APR on Final TIL: APR on Final TIL must be within tolerance 1/8 or ¼ of percent difference in APR based on regular or irregular payment stream. |

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| **3.5** | **Home Ownership Equity Protection Act (HOEPA) testing, to include:** |

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<br> 3.5.1 APR test [HOEPA (§1026.32(a)(1))] and [HPML(§1026.35(a)(1))]

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|:---|:---|
| 3.5.1.1 | If missing initial application, missing initial application date or missing rate lock confirmation results in inability to determine application date or rate set date for purposes of high cost / higher-priced mortgage loan testing, vendor will test based on: (1) a six-month window prior to closing date for missing application date; and (2) all dates between application and closing for missing rate set date. A condition should be set to identify that the application date or rate lock date is missing and that alternative (look-back) testing was utilized. Other evidence in the file (e.g. date of initial disclosures, rate lock expiration on GFE) may be relied upon to estimate application or rate set date but will be determined by the Client on a case by case basis. |

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<br> 3.5.2 Points and Fees test [HOEPA (§1026.32(a)(2))]

<br> 3.5.3 Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

<br> 3.5.4 Review and confirm documentation type (i.e. full, stated, no ratio)

<br> 3.5.5 Review for evidence of prepayment penalty

<br> 3.5.6 Verification of Debt to Income conformity, when necessary.

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Consultant system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a homeownership counseling requirement to be verified for all covered loans.

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|:---|:---|
| **3.6** | **RESPA/Regulation X (Loans with an Application Date prior to 10/03/2015):**  |

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Each mortgage loan will be reviewed to ensure compliance with the January 1, 2010, or most current amendments to Regulation X. The RESPA/Regulation X review will consist of the following:

<br> 3.6.1 Good Faith Estimate (GFE):

<br> 3.6.2 Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

<br> 3.6.3 Confirm the presence of the current GFE form in effect at the time of origination.

<br> 3.6.4 Verify the GFE was provided to the borrower(s) within three days of "Application".

<br> 3.6.5 Application shall be defined by Regulation X and generally be considered complete when the following seven conditions are met:

<br> 3.6.5.1 Borrower(s) First and Last Name

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<br> 3.6.5.2 Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report)

<br> 3.6.5.3 Subject Property Address (including "To Be Determined")

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|:---|:---|
| 3.6.5.4 | Mortgage Loan Amount Sought |

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<br> 3.6.5.5 Estimation of Property Value

<br> 3.6.5.6 Monthly Income

<br> 3.6.5.7 Any other requirement as defined in the lender's policies and procedures

<br> 3.6.6 Consultant will verify that all Broker fees, including Yield Spread Premium ("YSP") were accurately disclosed and reflected in the appropriate locations.

<br> 3.6.7 Fees will be reviewed to ensure they are reasonable and customary fees for the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected in the proper location on the document.

<br> 3.6.8 Analysis to determine whether a Changed Circumstance form is required to accompany each revised Good Faith Estimate (GFE)

<br> 3.6.9 Change of Circumstance Definition:

<br> 3.6.9.1 Acts of God, war, disaster or other emergency;

<br> 3.6.9.2 Information particular to borrower or transaction that was relied on in providing the GFE and that changes or is found to be inaccurate after GFE has been provided to borrower;

<br> 3.6.9.3 New information particular to the borrower or transaction that was not relied on in providing the GFE; or

<br> 3.6.9.4 Other circumstances that are particular to borrower or transaction, including boundary disputes, need for flood insurance or environmental problems

<br> 3.6.9.5 In the event any of the above occurs, the loan originator is required to provide a new revised GFE to the borrower within 3 business days of receiving information sufficient to establish "changed circumstances" and document the reason the revised GFE was provided.

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|:---|:---|
| 3.6.9.6 | Rate Locks: If the rate has not been locked by the borrower or a locked rate has expired, the charge or credit for rate chosen, adjusted origination charges, per diem interest and loan terms related to the rate may change. If borrower later locks the rate, a new GFE must be provided showing the revised rate-dependent charges and terms. All other charges and terms must remain the same as on the original GFE, except as otherwise provided above for "changed circumstances." |

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<br> 3.6.10 Final HUD-1: Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

<br> 3.6.10.1 Confirm the presence of the current applicable Final HUD-1 form

<br> 3.6.10.2 Confirm the Final HUD-1 accurately lists all broker and YSP fees.

<br> 3.6.11 Good Faith Estimate (GFE) and Final HUD-1 Analysis: Confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

<br> 3.6.11.1 Analysis of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:

<br> 3.6.11.1.1 Origination Charge

<br> 3.6.11.1.2 Credit or Charge for Interest Rate Chosen

<br> 3.6.11.1.3 Adjusted Origination Charge

<br> 3.6.11.1.4 Transfer Taxes

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|:---|:---|
| 3.6.11.2 | Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for sum of following services: |

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<br> 3.6.11.2.1 Lender-required settlement services (lender selects third-party provider);

<br> 3.6.11.2.2 Lender-required services, title services and required title insurance, and owner's title insurance, when the borrower uses a settlement service provider identified by the loan originator; and

<br> 3.6.11.2.3 Government recording charges

<br> 3.6.12 Analysis to confirm all fees are accurately reflected in the correct tolerance category on the Good Faith Estimate (GFE) and Final HUD-1

<br> 3.6.13 Analysis to confirm lender accurately provided borrower adequate restitution in the event of tolerance violations and timelines for restitution/document correction were adhered to

<br> 3.6.14 Analysis to confirm loan terms are accurately disclosed between the Good Faith Estimate (GFE) and Final HUD-1

<br> 3.6.15 Analysis to confirm page 3 of the HUD-1 accurately reflects fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1

**QM / ATR (QUALIFIED MORTGAGE / ABILITY TO REPAY) DODD FRANK REVIEW (LOANS WITH APPLICATION DATE ON OR AFTER 01/10/2014) Covers Legacy QM Rules (applications on or after 01/10/2014) – elective compliance date of Revised QM Rules (applications on or after 3/1/2021) and mandatory of Revised QM Rules (applications on or after 10/1/2022)**

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| **3.7** | **QM / ATR (Qualified Mortgage / Ability to Repay)** |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.1 Ability to Repay

• Consultant will incorporate checkpoints for the ATR's eight verification steps for any origination QC work. Consultant has the option to run ATR checks on any transactions subject to QM that falls outside the ability to meet QM guidelines, whether due to coverage exceptions or due to failing QM criteria. Thus, any transaction that is being tested for QM will also have the ability to be screened for ATR if the QM testing fails or the loan is exempt from QM

• Consultant is required to verify all information within the scope of the eight verification steps before an ATR loan can pass. These eight tests include verifications of any amounts used in the loan consideration and a page(s) reference to the third-party records/documentation/images

<br> o Income and Assets

<br> o Current Employment Status

<br> o Monthly qualifying payments for the proposed loan

<br> o Monthly payment on any simultaneous loans

<br> o Monthly payment for mortgage related obligations for the proposed loans

<br> o Debts, alimony and child support

<br> o Qualifying monthly DTI and/or residual income

<br> o Credit History

• If all of the verifications are made and each of the eight topic areas is confirmed to agree with the representations made by the lender, and there are no credit exceptions to the lender's guidelines, the loan will pass the ATR test. If any of the conditions fail or the loan lacks the documentation to support the stated values in any of the areas, affected items will not be considered verified and the loan will be subject to failing the ATR test.

<br> • ATR results will be reported as ATR-Pass. ATR-Fail and ATR-Exempt. This is in addition to existing credit and compliance related reporting by the Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.2 <u>Qualified Mortgage</u>**

Consultant's scope includes review of all available QM types:

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<br> • Legacy QM (for applications taken on or after January 10, 2014 until September 30, 2022);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Revised QM (for applications taken on or after March 1, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Agency QM (for applications taken on or after January 10, 2014 until June 30, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Agency QM with APOR (for applications taken on or after July 1, 2021); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Government QM (for applications taken on or after January 10, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.3 <u>Generally Applicable Factor</u>**

The following factors are reviewed for Legacy, Revised and Agency QM categories:

• **REGULAR PAYMENTS**. Provides for regular periodic payments that are substantially equal, except for the effect of certain interest rate changes for adjustable or step rates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **TERM**. Loan term does not exceed 30 years.

• **POINTS AND FEES.** Points and fees do not exceed the applicable threshold for the appropriate loan amount.

<u>QM Rules Points and Fees Testing.</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) Points and fees include:

<br> o Finance charges, unless excluded;

<br> o The portion of upfront private mortgage insurance that exceeds FHA premiums;

<br> o Loan originator compensation – Compensation/YSP known at the time of the consummation will be included but Consultant does not review lender or broker compensation programs as part of its QM testing;

<br> o Real estate-related fees if the creditor receives direct or indirect compensation in connection with the fee or charge, the fee or charge is paid to a creditor affiliate or the fee or charge is not reasonable;

<br> o Premiums for credit insurance, credit property insurance, and other insurances where the creditor is the beneficiary, debt cancellation or suspension coverage payments;

<br> o Maximum prepayment penalty; and

<br> o Prepayment penalty paid in a refinance.

&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) Points and fees exclude:

<br> o Interest;

<br> o Bona fide third-party charges not retained by the creditor;

<br> o Government mortgage insurance premiums;

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| &nbsp;&nbsp;&nbsp;&nbsp;o | Private mortgage insurance premiums up to an amount equal to government insurance premiums; |

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| &nbsp;&nbsp;&nbsp;&nbsp;o | Up to two bona fide discount points if the interest before the discount does not exceed APOR by 1% based on a calculation that is consistent with established industry practices for determining the amount of reduction in the interest rate or time-price differential appropriate for the amount of discount points paid by the consumer; if no discount points excluded up to one bona fide discount point if the loan's interest rate before the discount does not exceed APOR 2%; and |

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<br> o Sellers points

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(C) A loan is a QM loan if the points and fees do not exceed (values marked with "\*" are indexed for inflation):

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| &nbsp;&nbsp;&nbsp;&nbsp;o | 3 percent of the total loan amount for a loan greater than or equal to $100,000;\* |

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| &nbsp;&nbsp;&nbsp;&nbsp;o | $3,000\* for a loan greater than or equal to $60,000\* but less than $100,000;\* |

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| &nbsp;&nbsp;&nbsp;&nbsp;o | 5 percent of the total loan amount for a loan greater than or equal to $20,000\* but less than $60,000;\* |

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| &nbsp;&nbsp;&nbsp;&nbsp;o | $1,000\* for a loan greater than or equal to $12,500\* but less than $20,000;\* |

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| &nbsp;&nbsp;&nbsp;&nbsp;o | 8 percent of the total loan amount for a loan less than $12,500\* |

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| **3.7.4** | **Legacy QM** |

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In addition to the Generally Applicable Factors above, all Legacy QM loans must meet the following:

• **Monthly Payment.** The amount of the monthly payment on the loan is calculated using the maximum rate that may apply during the first five years and considers the monthly payment for simultaneous loans and mortgage obligations.

• **Appendix Q.** Considers and verifies income, assets, employment, and debts in accordance with Appendix Q.

• **DTI.** The DTI ratio of total monthly debt to total monthly income does not exceed 43 percent.

**Verified**. Only verified amounts will be included in the QM debt-to-income test - verified income and assets, loan and simultaneous loan payments, insurance, taxes and HOA, alimony, child support and open debts. The calculated value will be the verified debts divided by the verified income represented as a ratio, with amounts less than or equal to 43.00% passing, and anything above 43.00% failing. Failing this test also results in returning an overall QM status of Fail.

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| **3.7.5** | **Revised QM** |

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In addition to the Generally Applicable Factors above, all Revised QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.5.1 Monthly Payment.**

The amount of the monthly payment on the loan is calculated using the maximum rate that may apply during the first five years and considers the monthly payment for simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.5.2 Consider and Verify.**

The creditor considers and verifies the consumer's current or expected income and assets and debt and his DTI or residual income

• As part of the "consider" requirement, Consultant will review the (i) creditor's policies and procedures provided by Client, as well as any exceptions thereto, for how the creditor takes into account the underwriting factors enumerated above, and (ii) the documentation retained by creditor, such as an underwriting worksheet or a final automated underwriting system certification, showing how the creditor took these factors into account in its ability-to-repay determination.

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• **Consider and Verify Safe Harbor.** Creditor is deemed to have complied with this "verify" requirement if it complies with the verification standards in one or more of these following agency manuals:

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

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

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

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

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

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

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| &nbsp;&nbsp;&nbsp;&nbsp;o | For purposes of compliance with verified safe harbor, a creditor must comply with only those provisions in the manuals that require creditors to verify income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular inflows, property, and obligations as income, assets, debt obligations, alimony, and child support, |

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<br> • Revised versions of manuals. A creditor also complies with the verified safe harbor where is complies with revised versions of the manuals listed above provided that the two versions are "substantially similar".

• The Revised QM Rule permits the creditor to "mix and match" verification standards from different agency manuals. Consultant will test the creditor's "verification" of third- party records in instances when the creditor either uses (i) its own procedures or alternatively, (ii) the verification standards of one or more of the agency handbooks listed above.

• Note: the creditor (or client, as the case may be,) must provide written policies and procedures and related documentation such as underwriter worksheets in order for Consultant to review loans under the Revised QM Rules, and in particular, with regard to the "consider" and "verify" requirements. Further, if the creditor (or client, as the case may be) intends to use the verification safe harbor, its written policies and procedures must specify the precise agency handbook(s) that it is relying on with specific references to the particular provisions addressing income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular inflows, property, and obligations as income, assets, debt obligations, alimony, and child support – as well as the specific dates(s) of the agency handbook(s) issuance, publication or revision. In addition, Consultant is not responsible for determining whether revised versions of the manuals listed above are "substantially similar" for purposes of the verification safe harbor; such a determination of the sole responsibility of the creditor (or client, as the case may be).

• Note: due to the inherent subjectivity of the foregoing "consider" and "verify" requirements, Consultant will review the creditor's (or client's, as the case may be) (i) policies and procedures and worksheets and (ii) methods and criteria for verification of income and assets (regardless of whether the "safe harbor" is utilized) for content only, and will not opine whether such policies and procedures, worksheets and verification methods and criteria themselves comply with applicable

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<br>law, and cannot guarantee that a court, governmental regulator, rating agency or another third party diligence provider would reach the same conclusions using such work product.

• APOR. The APR on the loan does not exceed the threshold for the loan amount (values marked with "\*" are indexed for inflation):

For a first-lien loan with a loan amount greater than or equal to $110,260,\* 2.25% or more percentage points;<br>

For a first-lien loan with a loan amount greater than or equal to $66,156\* but less than $110,260\*, 3.5% or more;<br>

For a first lien loan with a loan amount less than $66,156,\* 6.5 or more percentage points;<br>

For a subordinate-lien loan with a loan amount great than or equal to $66,156\*, 3.5 or more percentage points; and<br>

For a subordinate-lien loan with a loan amount less than $66,156\*, 6.5 or more percentage points.<br>

Short Term ARMs. The APR used on short term ARMs of five years or less uses the maximum rate in the first five years for the entire term of the loan.

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| **3.7.6** | **Agency QM/ Temporary Qualified Mortgage (TQM) covered by the GSE Patch** |

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In addition to the Generally Applicable Factors above, all Agency QM loans must be eligible for sale to Fannie Mae or Freddie Mac. The selling guides for the agencies include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Disposable Income

#### Agency QM with APOR/ General Qualified Mortgage (QM) testing

Meets the test for "Agency QM" and the APOR test applicable for Revised QM.

#### Government QM/ General Qualified Mortgage (QM) testing

A Government QM is defined as a qualified mortgage by the U.S. Department of Housing and Urban Development under 24 CFR 201.7 and 24 CFR 203.19, the U.S. Department of Veterans Affairs under 38 CFR 36.4300 and 38 CFR 36.4500, or the U.S. Department of Agriculture under 7 CFR 3555.109. The guidelines include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Disposable Income

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| **3.7.7** | **Safe Harbor for Revised QM Rules** |

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For first-lien transactions, a loan receives a conclusive presumption that the consumer had the ability to repay (and hence receives the "safe harbor" presumption of QM compliance) if the APR does not exceed the APOR for a comparable transaction by 1.5 percentage points or more as of the date the interest rate is set. A first-lien loan receives a "rebuttable presumption" that the consumer had the ability to repay if the APR exceeds the APOR for a comparable transaction by 1.5 percentage points or more but by less than 2.25 percentage points. There are higher thresholds for loans with smaller loan amounts, for subordinate-lien transactions, and for certain manufactured housing loans—all of which will be tested by Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.8 QM/ATR Reporting (Covers both Legacy and Revised QM Rules as Applicable)

For QM/TQM testing, the results of the debt-to-income test (QM) or guideline review (TQM) and the Points and Fees test will result in the following available compliance conditions as requested by the rating agencies:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• QM/TQM-ATR Pass / Non-HPML &nbsp;&nbsp;&nbsp;&nbsp; [QM or TQM – Pass / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• QM/TQM-ATR Pass / HPML &nbsp;&nbsp;&nbsp;&nbsp; [QM or TQM – Pass / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ATR Fail / Non-HPML &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [QM or TQM – Fail / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ATR Fail / HPML &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [QM or TQM - Fail / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NonQM / Compliant&nbsp;&nbsp;&nbsp;&nbsp; [NonQM or TQM Loan, Exempt / ATR – Compliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NonQM / Noncompliant &nbsp;&nbsp;&nbsp;&nbsp;[NonQM or TQM Loan, Exempt / ATR –Noncompliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Not Covered – / Exempt &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [QM or TQM – Exempt / ATR – Exempt]

For Revised QM Rules testing, the following results will be provided to establish Verified Safe Harbor designation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• VSH Confirmed [Verified Safe Harbor}

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NVSH Confirmed [Not Verified Safe Harbor]

As with ATR testing, these QM results are in addition to the existing credit and compliance related reporting currently performed by Consultant. Customized reporting is available based on mutual agreement on individual Customer needs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.7.9 For Legacy and Revised QM Rules

• Current testing for Higher Priced Covered Transactions will be performed using one of two formulas, normal QM and FHA TQM. For QM, a loan will be considered a Higher Priced Covered Transaction if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on conforming First Liens and 3.50% or more percentage points on Second Liens. For FHA TQM, the formula is modified to be the Average Prime Offer Rate plus 1.15%, plus the monthly MI premium factor

Capitalized terms used herein, unless defined where used, shall have the meanings ascribed to such terms in the SOW. This constitutes the entire agreement and understanding between the Parties with respect to amending the SOW. Except as expressly set forth in this Amendment, the terms and conditions of the SOW are hereby ratified, confirmed and approved in their entirety and shall continue in full force and

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effect, enforceable in accordance therewith and shall govern this Amendment. This Amendment may be executed in one or more counterparts, including facsimile counterparts, each of which, when so executed, shall be deemed an original and all of which, together, shall constitute one and the same instrument.

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| **3.8** | Additional Disclosures and Requirements: |

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

<br> 3.8.1 Servicing Transfer Disclosure (for applications prior to 10/03/2015):

<br> 3.8.1.1 Confirm the presence of the Servicing Transfer Disclosure form in file

<br> 3.8.1.2 Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

<br> 3.8.2 Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

<br> 3.8.2.1 Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

<br> 3.8.2.2 Confirm the Home Loan Tool Kit is provided within three general business days of application

<br> 3.8.3 Affiliated Business Disclosure

<br> 3.8.3.1 Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

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|:---|:---|
| 3.8.3.2 | Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third-party services) |

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<br> 3.8.3.3 Confirm the Affiliated Business Disclosure is executed.

<br> 3.8.4 Initial Escrow Disclosure Statement

<br> 3.8.4.1 Confirm the presence of the Initial Escrow Disclosure Statement in file

<br> 3.8.4.2 Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

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|:---|:---|
| **3.9** | **National Flood Insurance Program (NFIP)** |

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

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|:---|:---|
| **3.10** | **Homeowner's Flood Affordability Act (HFIAA)** |

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Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured

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by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016

<br> 3.10.1 Frequency – Payable with same frequency as payments designated for the loans

<br> 3.10.2 Exceptions

<br> 3.10.2.1 Loan is an extension of credit primarily for business, commercial or agricultural purposes

<br> 3.10.2.2 Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

<br> 3.10.2.3 Flood Insurance coverage for the residential real estate is provided by a policy that

<br> 3.10.2.3.1 Meets requirements

<br> 3.10.2.3.2 Provided by a condominium association, cooperative or other applicable group and

<br> 3.10.2.3.3 The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

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|:---|:---|
| **3.11** | **Equal Credit Opportunity Act (Regulation B)** |

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<br> 3.11.1 Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

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|:---|:---|
| 3.11.2 | Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)? |

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|:---|:---|
| 3.11.3 | For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation. |

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|:---|:---|
| **3.12** | **Fair Credit Report Act (Regulation V)** |

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|:---|:---|
| 3.12.1 | Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval |

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<br>decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

<br> 3.12.2 Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

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|:---|:---|
| **3.13** | **Regulatory Compliance Disclaimer** |

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

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|:---|:---|
| **3.14** | **Seasoning and Certain Compliance Exceptions** |

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Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

<br> 4. High Cost - State & Local Anti-Predatory Regulations:

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable

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regulations implemented during the Term of this SOW – legal guidance documentation available for detailed discussion, if necessary:

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|:---|:---|
| **4.1** | Arkansas Home Loan Protection Act, AR. Stat. Ann. § 23-53-101 et seq. |

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|:---|:---|
| **4.2** | California Anti-Predatory Lending Statute, CA. Fin. Code § 4970 et seq. |

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|:---|:---|
| **4.3** | California Higher Priced Mortgage Loan Statute, CA. Fin Code § 4995 et seq. |

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|:---|:---|
| **4.4** | Colorado Consumer Equity Protection Act, CO. Rev. Stat. § 5-3.5-101 et seq. and as amended by Senate Bill 216 (2007) and House Bill 1322 (2007) |

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|:---|:---|
| **4.5** | Colorado Consumer Credit Code, CO. Rev. Stat. 5-1-101 et seq. |

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|:---|:---|
| **4.6** | Connecticut Abusive Home Loan Lending Practices Act, CT. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, CT. House Bill 5577 (2008). |

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|:---|:---|
| **4.7** | Connecticut Nonprime Home Loan Statute, CT. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949. |

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|:---|:---|
| **4.8** | 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. and DC Mortgage Disclosure Act of 2007. |

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|:---|:---|
| **4.9** | Florida Fair Lending Act, FL. Stat. Ann. § 494.0078 et seq. |

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|:---|:---|
| **4.10** | 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) |

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|:---|:---|
| **4.11** | Idaho Residential Mortgage Practices Act, ID. Code § 26-3101 et seq. |

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|:---|:---|
| **4.12** | Illinois High Risk Home Act, IL. Comp Stat. tit. 815, §§137/5 et seq. |

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| | |
|:---|:---|
| **4.13** | Illinois High Risk Home Loan Regulations, 38 IL. Admin. Code § 345.10 et seq. |

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|:---|:---|
| **4.14** | Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003). |

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|:---|:---|
| **4.15** | City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325. |

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|:---|:---|
| **4.16** | Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007). |

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|:---|:---|
| **4.17** | Indiana Home Loan Practices Act, IN. Code § 24-9-1-1 et seq. and as amended by 2005 In. P.L. 141 § 6 P2013-011. |

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|:---|:---|
| **4.18** | Kansas Consumer Credit Code, KS. Stat. Ann. § 16a-1-101 et seq. Sections 16a-1-301, 16a-3-207 and 16a-3-308a. |

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|:---|:---|
| **4.19** | Kentucky Anti-Predatory Lending Statute, KY. Rev. Stat. § 360.100 et seq. and as amended by KY. House Bill 552 (2008). |

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|:---|:---|
| **4.20** | Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A ME. Rev. Stat. Ann. §§ 8-101; 8-103(1); 8-206(8); 8-206A and ME. Legislative Document 1869 (2007). |

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|:---|:---|
| **4.21** | Maryland Commercial Law, MD. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by MD. Senate Bill 270 (2008) and Maryland Regulations under the MD. Mortgage Lender Law (2009). |

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|:---|:---|
| **4.22** | Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the MD. Mortgage Lender Law, MD. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; MD. Code Regs. §§ 09.03.06.01 et seq. |

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|:---|:---|
| **4.23** | Massachusetts High Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA. House Bill 4387 (2008) 20. MA. Predatory Home Loan Practices Act, M.G.L. Chapter 183(C). |

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|:---|:---|
| **4.24** | Massachusetts Regulations for Higher Priced Mortgage Loans, 209 MA. Code Regs. §§ 32.00 |

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|:---|:---|
| **4.25** | Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C. |

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|:---|:---|
| **4.26** | Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17). |

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|:---|:---|
| **4.27** | Michigan Consumer Mortgage Protection Act, MI. Stat. Ann. § 445-1631 et seq. |

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|:---|:---|
| **4.28** | 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). |

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|:---|:---|
| **4.29** | Nebraska Mortgage Bankers Registration and Licensing Act, NE. Stat.§ 45-702 et seq. |

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|:---|:---|
| **4.30** | Nevada Anti-Predatory Lending Law, NV. Rev. Stat. § 598D.010 et seq. and as amended by AB 440 and 492. |

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|:---|:---|
| **4.31** | New Jersey Home Ownership Security Act of 2002, NJ. Stat. Ann. § C:46:10B-22 et seq. and as amended by PL. 2004, Ch. 84 § 1. |

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|:---|:---|
| **4.32** | New Mexico Home Loan Protection Act, NM. Stat. Ann. § 58-21A-1 et seq. and as amended by Senate Bill 342 (2009). |

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|:---|:---|
| **4.33** | New York High Cost Home Loan Regulations, 3 NYCCR Part 41 (2001). |

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|:---|:---|
| **4.34** | New York High Cost Home Loan Act, NY. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008). Banking Law Article 6-l (2003) and 6-m (2008). |

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|:---|:---|
| **4.35** | North Carolina Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a) and as amended by House Bill 1817 (2007). |

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|:---|:---|
| **4.36** | Ohio Anti-Predatory Lending Statute, OH. Rev. Code Ann. §§ 1349.25 to 1349.37and § 1.63 and as amended by S.B. 185. |

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|:---|:---|
| **4.37** | City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003. |

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|:---|:---|
| **4.38** | Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003). |

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|:---|:---|
| **4.39** | Oklahoma Higher –Priced Mortgage Loans Law, OK. Admin. Code §§ 160:45-9-1 et seq. |

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|:---|:---|
| **4.40** | Pennsylvania Consumer Equity Protection Act, 63 PA. Cons. Stat. Ann. § 456.501 et seq. |

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|:---|:---|
| **4.41** | City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended. |

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|:---|:---|
| **4.42** | Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI. Gen. Laws. §§ 34-25.2-1 et seq., including the Emergency and Final Regulations. |

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|:---|:---|
| **4.43** | South Carolina High-Cost and Consumer Home Loans Act, SC. Code § 37-23-10 et seq. |

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|:---|:---|
| **4.44** | South Carolina Consumer Protection Code, SC. Code 37-1-101 et seq. |

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|:---|:---|
| **4.45** | Tennessee Home Loan Protection Act, TN. Code Annotated §§ 45-20-101 et seq., Title 47 et seq. |

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|:---|:---|
| **4.46** | Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq. |

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| **4.47** | Texas Constitution, Section 50(a)(6), Article XVI |

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| **4.48** | Utah Residential Mortgage Practices Amendments, UT. Code Ann. § 61- 2c-102 et seq. |

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|:---|:---|
| **4.49** | Utah High Cost Home Loan Act, UT. Code § 61-2d-101 et seq. |

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|:---|:---|
| **4.50** | Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2. |

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|:---|:---|
| **4.51** | 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. |

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|:---|:---|
| **4.52** | Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), VA. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2. |

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|:---|:---|
| **4.53** | Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008. |

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| **4.54** | Wisconsin Responsible High Cost Mortgage Lending Act, WI. Stat. § 428.202. |

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|:---|:---|
| **4.55** | West Virginia Residential Mortgage Lender, Broker and Servicer Act, WV. Code § 31-17-1 et seq. |

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|:---|:---|
| **4.56** | Wyoming Credit Code, WY. Stat. Ann. §§ 40-14-101 et seq. |

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<br> 5. &nbsp;&nbsp;&nbsp;&nbsp;Misrepresentation and Third Party Product Review

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

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|:---|:---|
| **5.1** | **Misrepresentation Review** |

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

<br> 5.1.1 Signatures

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

<br> 5.1.2 Alerts

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Assess credit report alerts for accuracy and potential issues.

<br> 5.1.3 Social Security Numbers

Compare SSN(s) across all file documents.

<br> 5.1.4 Document Integrity

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

<br> 5.1.5 Data Consistency

Review the documents contained in the loan file for consistency of data.

<br> 5.1.6 Third Party Fraud Tools

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

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|:---|:---|
| **5.2** | **Independent Third Party Values** |

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

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| 5.2.1 | For loans seasoned less than 12 months a retroactive desk review will generally be ordered. If the retroactive desk review supports the origination appraised value within a 10% variance no additional products will be required. If the retroactive desk review does not support the original appraised value within a 10% variance, a secondary valuation product such as a field review or drive-by appraisal will be required. If the loan is seasoned more than 12 months generally a BPO can be ordered. The seasoning and products can be adjusted to meet specific rating agency requirements. |

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<br> 5.2.2 Consultant will also perform the following steps

<br> 5.2.2.1 Based on review of the original appraisal

<br> 5.2.2.1.1 Property is complete

<br> 5.2.2.1.2 Value is based on as-is condition

<br> 5.2.2.1.3 Property is described as average or better condition

<br> 5.2.2.1.4 No apparent appraiser independence violation statements

<br> 5.2.2.1.5 Appraisal addresses any adverse comments

<br> 5.2.2.2 Appraisal is completed on appropriate GSE Form

<br> 5.2.2.2.1 Appraisal contains required attachments

<br> 5.2.2.3 Appraiser was appropriately licensed at the time the appraisal was signed

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| 5.2.3 | If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal. |

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<br> 5.2.4 Value Review Disclaimer

<br> 5.2.4.1 The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily

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<br>licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

<br> 5.2.4.2 Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

<br> 5.2.4.3 Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

<br> 5.2.4.4 Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore opus will not have and communications with or responsibility to any individual concerning property valuations.

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|:---|:---|
| **5.3** | **Payment History and Servicing Comments** |

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If a loan is seasoned more than 12 months, the Client will provide payment histories and servicing comments for (i) 36 months, or (ii) the time period required by the rating agencies. The Consultant will review the provided payment histories and comments to determine the following:

<br> 5.3.1 – Timely payment posting

<br> 5.3.2 – Request for modification

<br> 5.3.3 – Property condition issues

<br> 5.3.4 – Change in occupancy

<br> 5.3.5 – Change in ability to pay

<br> 5.3.6 – Other items impacting the enforcement of the lien

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|:---|:---|
| **5.4** | **Title Reports** |

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<br> 5.4.1 If the loan is season over 24 months Consultant will facilitate the ordering of title reports. Consultant and client agree the vendor providing the title reports will be responsible for issuing a separate 15E.

<br> 5.4.2 Consultant is not responsible for the accuracy of the title reports, nor makes any representations or warranties with respect to any of the information contained in the title reports.

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| **5.5** | **Updated FICO Scores** |

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If the FICO score contained in the loan file is aged more than 6 months, an updated FICO score will be required

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|:---|:---|
| **5.6** | **Properties in FEMA declared disaster zones.** |

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

<br> 5.6.1 No apparent damage to the property

<br> 5.6.2 Property appears to be occupied

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<br> 6. Data Compare

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance. Consultant and Client can mutually agree to change the listed fields a review by review basis.

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| **6.1** | - Appraised Value |

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| **6.2** | CLTV |

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| **6.3** | DTI |

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| **6.4** | FICO |

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| **6.5** | Interest Only |

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| **6.6** | Interest Rate |

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| **6.7** | Loan Term |

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| **6.8** | Loan Purpose |

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| **6.9** | LTV |

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| **6.10** | Occupancy |

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| **6.11** | Original Balance |

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| **6.12** | Property Address |

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| **6.13** | Property City |

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| **6.14** | Property State |

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| **6.15** | Property Type |

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| **6.16** | Sales Price |

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| **6.17** | Second Mortgage Lien Amount |

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| **6.18** | Self Employed |

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| **6.19** | Units |

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| **6.20** | Zip Code |

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| **6.21** | Loan Type |

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| **6.22** | QM Status |

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<br> 7. Fitch Grading Criteria

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

<br> 8. Moody's Grading Criteria

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Kroll Grading Criteria

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

<br> 10. Standard & Poor's Grading Criteria

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

<br> 11. DBRS Grading Criteria

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

<br> 12. Opus Grading Criteria

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

---

| | |
|:---|:---|
| **12.1** | **&nbsp;&nbsp;&nbsp;&nbsp;Opus Credit Grades** |

---

<br> 12.1.1 Opus Level 1 Credit Grade Definition

Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

<br> 12.1.2 Opus Level 2 Credit Grade Definition

Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

<br> 12.1.3 Opus Level 3 Credit Grade Definition

Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

---

| | |
|:---|:---|
| **12.2** | Opus Property Grades |

---

<br> 12.2.1 Opus Level 1 Property Grade Definition

Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

<br> 12.2.2 Opus Level 2 Property Grade Definition

Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

<br> 12.2.3 Opus Level 3 Property Grade Definition

Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

---

| | |
|:---|:---|
| **12.3** | Opus Compliance Grades |

---

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<br> 12.3.1 Opus Level 1 Compliance Grade Definition

Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

<br> 12.3.2 Opus Level 2 Compliance Grade Definition

There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

<br> 12.3.3 Opus Level 3 Compliance Grade Definition

Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

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#### Pool Details

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| | | | |
|:---|:---|:---|:---|
| **Purpose**  | **Purpose**  | **Purpose**  |  |
| Type | Count | % of Pool |  |
| Cash out Refi | 1 | 5.56% |  |
| Purchase | 9 | 50.00% |  |
| Rate / Term Refi | 8 | 44.44% |  |
| **Total** | **18** | **100.00%** |  |
| **Property Type** | **Property Type** | **Property Type** | **Property Type** |
| Type | Type | Count | % of Pool |
| Single Family Detached | Single Family Detached | 8 | 44.44% |
| Co-op | Co-op | 0 | 0.00% |
| Condo, Low Rise | Condo, Low Rise | 1 | 5.56% |
| Condo, High Rise | Condo, High Rise | 0 | 0.00% |
| PUD | PUD | 9 | 50.00% |
| 1 Family Attached | 1 Family Attached | 0 | 0.00% |
| 2 Family | 2 Family | 0 | 0.00% |
| 3 Family | 3 Family | 0 | 0.00% |
| 4 Family | 4 Family | 0 | 0.00% |
| **Total** | **Total** | **18** | **100.00%** |
| **Occupancy** | **Occupancy** | **Occupancy** | **Occupancy** |
| Type | Type | Count | % of Pool |
| Primary Residence | Primary Residence | 18 | 100.00% |
| Second Home | Second Home | 0 | 0.00% |
| Investment Property | Investment Property | 0 | 0.00% |
| **Total** | **Total** | **18** | **100.00%** |
| **Product Type** | **Product Type** | **Product Type** | **Product Type** |
| Type | Type | Count | % of Pool |
| Fixed | Fixed | 18 | 100.00% |
| ARM | ARM | 0 | 0.00% |
| **Total** | **Total** | **18** | **100.00%** |

---

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#### Tape Discrepancies

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| | | |
|:---|:---|:---|
| **Data Element** | **Count** | **Accuracy** |
| All Borrower Total Income | 1 | 94.44% |
| Mortgage Origination Channel | 1 | 94.44% |
| Property Type | 1 | 94.44% |
| Qualifying Total Debt Income Ratio | 8 | 55.56% |
| Refinance Type | 1 | 94.44% |
| **Total Loans** | **18** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

#### Loan Grading Definitions

#### Credit

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| S&P | Moody's | Fitch | Kroll | DBRS | Definition |
| A | A | A | A | A | Loan conforms to all applicable guidelines, no conditions noted |
| B | B | B | B | B | Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| C | C | C | C | C | The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| D | D | D | D | D | The loan file is missing critical documentation required to perform the review |

---

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#### Compliance

---

| | | | | |
|:---|:---|:---|:---|:---|
| S&P | Moody's | Kroll | DBRS | Definition |
| A | A | A | A | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | B | B | B | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| C | C | C | C | The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | D | D | D | The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| Fitch | Definition |
| A | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| C | The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | The loan file is missing critical documentation required to perform the review |

---

#### Property Valuation

---

| | |
|:---|:---|
| Moody's | Definition |
| A | Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| B | Meets all terms for an A, but property requires cosmetic or minor repairs that do not effect value or habitability |
| C | Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

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---

| | |
|:---|:---|
| S&P | Definition |
| A | First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| B | First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not effect value or habitability |
| C | Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

#### Loan Review Findings

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated April 1, 2026.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** |  |  |
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 15 | 83.33% |
| B | 3 | 16.67% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Compliance Grade Summary** |  |  |
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 16 | 88.89% |
| B | 2 | 11.11% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

Opus&nbsp;&nbsp;&nbsp;&nbsp; <br> Privileged and Confidential&nbsp;&nbsp;&nbsp;&nbsp; <br> Public <br> Page 27 <br>

------

---

| | | |
|:---|:---|:---|
| **Credit Grade Summary** |  |  |
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 17 | 94.44% |
| B | 1 | 5.56% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Property Grade Summary** |  |  |
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 18 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

#### Loans Reviewed (18 Loans)

---

| | |
|:---|:---|
| 54920260401001 | 54920260401010 |
| 54920260401002 | 54920260401011 |
| 54920260401003 | 54920260401012 |
| 54920260401004 | 54920260401013 |
| 54920260401005 | 54920260401014 |
| 54920260401006 | 54920260401015 |
| 54920260401007 | 54920260401016 |
| 54920260401008 | 54920260401017 |
| 54920260401009 | 54920260401018 |

---

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

Opus&nbsp;&nbsp;&nbsp;&nbsp; <br> Privileged and Confidential&nbsp;&nbsp;&nbsp;&nbsp; <br> Public <br> Page 28 <br>

## Exhibit 99.2

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| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Alt Loan ID** | **Original Loan Amount** |
| XXXXXX | XXXXXX | XXXXXX | 54920260401012 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920260401005 | $XXXXXX<br> C<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920260401003 | $XXXXXX<br> A<br> C<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920260401013 | $XXXXXX<br> A<br> C |
| XXXXXX | XXXXXX | XXXXXX | 54920260401007 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920260401006 | $XXXXXX<br> D<br> C<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920260401009 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920260401004 | $XXXXXX<br> D<br> C<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920260401018 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920260401008 | $XXXXXX<br> A<br> D |
| XXXXXX | XXXXXX | XXXXXX | 54920260401011 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920260401017 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920260401002 | $XXXXXX<br> A<br> B |
| XXXXXX | XXXXXX | XXXXXX | 54920260401001 | $XXXXXX<br> D<br> C<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920260401010 | $XXXXXX<br> A<br> C |
| XXXXXX | XXXXXX | XXXXXX | 54920260401014 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920260401015 | $XXXXXX<br> A |
| XXXXXX | XXXXXX | XXXXXX | 54920260401016 | $XXXXXX<br> D<br> A |

---

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan ID | Seller Loan ID | Investor Loan ID | Alt Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401012 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18089.0 | 6.87 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34891.87 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401005 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7909.0 | 6.441 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13677.54 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401003 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10269.0 | 6.316 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20474.25 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401013 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11969.0 | 6.492 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11603.56 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401007 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 22934.19 | 6.295 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21959.23 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401006 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12569.0 | 6.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20961.43 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401009 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0.0 | 6.437 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26934.96 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401004 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1995.0 | 6.307 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17119.27 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401018 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16115.0 | 6.406 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38124.5 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401008 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12966.21 | 6.489 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22740.47 | N/A | Employed |  | No |  | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401011 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2145.0 | 6.409 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12659.97 | N/A | Employed | Not Employed | No | No | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401017 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1790.0 | 6.544 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38003.45 | N/A | Not Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401002 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2065.0 | 5.972 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24456.72 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401001 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1810.0 | 6.292 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 49229.1 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401010 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1995.0 | 6.173 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21031.12 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401014 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1479.0 | 6.175 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22438.73 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401015 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1530.0 | 6.142 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42209.8 | N/A | Employed | Employed | No | No | No |  |
| XXXXXXXX | XXXXXXX | XXXXXXX | 54920260401016 | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1195.0 | 6.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12080.73 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.2

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Alt Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Maturity Date** | **Other Lien Interest Rate** | **Initial HELOC Draw Amount** |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401012 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXX | XXXXXXX | 08/18/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $18089.00 | 08/XX/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 6.750% | 6.750% | $13717.85 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $21288.78 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 44.08% | 43.76% | 43.76% | No | No | 3 - Verified<2Mos | 1 - Not Stated Not Verified | 3 - Stated, Partially Verified | 3 - Stated, Partially Verified | 3 - Stated, 3rd Party Verification | 3 - Stated, 3rd Party Verification | Employed | Employed | Retired | Retired | .00 | .00 | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 360 | 360 | Work Number | No | 0 |  |  | Borrower - Wage, Overtime, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage, Overtime, Wage, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower 2 - SSI and Disability, Other, Other REO Net Rental Income(Loss) - Award Letter Verified - ["2025"] - 2025 \|\| Co Borrower 3 - Retirement, SSI and Disability - Award Letter Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower 2 - ["2025"] - 2025 \|\| Co Borrower 3 - ["2025"] - 2025 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | 741 | 725 | 761 | 756 | 745 | 780 | 755 | 756 | 755 | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | MA | United States | 05-XX-2027 |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | Fee Simple |  | No | No | N/A | 2925718.32 | 137.4 | 2925718.32 | 137.4 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | Borrower As Individual | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401005 | AUS Jumbo Correspondent | AUS Jumbo Correspondent | XXXXXXX | No | XXX | XXXXXXX | 10/13/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $7909.00 | 10/XX/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 6.375% | 6.375% | $8409.77 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $0.00 | $10784.52 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 49.03% | 49.03% | 49.03% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 29 | 29 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 137808.65 | 12.8 | 137808.65 | 12.8 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401003 | AUS Jumbo Correspondent | AUS Jumbo Correspondent | XXXXXXX | No | XXX | XXXXXXX | 12/01/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $10269.00 | 11/XX/2025 | 6.170% | LP | Accept Eligible | No | XX.XX% |  | 6.125% | 6.125% | $5529.26 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $12132.93 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 38.55% | 38.55% | 38.55% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 257622.03 | 21.2 | 257622.03 | 21.2 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401013 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXX | XXXXXXX | 10/13/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $11969.00 | 12/XX/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 6.375% | 6.375% | $6737.79 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $0.00 | $8862.81 | $XXXXXXXX | Yes | XXXXXXX | XX | $346.00 | XX/XX/XXXX | Monthly | 43.94% | 44.31% | 44.31% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 116724.78 | 13.2 | 116724.78 | 13.2 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401007 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXX | XXXXXXX | 07/18/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $22934.19 | 11/XX/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 6.250% | 6.250% | $12846.94 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $0.00 | $15952.30 | $XXXXXXXX | N/A | XXXXXXX | XX | $29.17 | XX/XX/XXXX | Annually | 42.72% | 43.08% | 43.08% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1401718.31 | 235.5 | 1401718.31 | 235.5 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401006 | AUS Jumbo Correspondent | AUS Jumbo Correspondent | XXXXXXX | No | XXX | XXXXXXX | 10/13/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $12569.00 | 12/XX/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 6.250% | 6.250% | $7019.18 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $0.00 | $7808.18 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 27.39% | 27.37% | 27.37% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | Less than 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 1 YR Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 1 YR Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 807680.65 | 103.4 | 807680.65 | 103.4 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401009 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXX | XXXXXXX | 10/13/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $0.00 | 11/XX/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 6.375% | 6.375% | $9607.60 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $0.00 | $12309.44 | $XXXXXXXX | N/A | XXXXXXX | XX | $115.00 | XX/XX/XXXX | Monthly | 40.44% | 40.69% | 40.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 402235.67 | 32.7 | 402235.67 | 32.7 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401004 | AUS Jumbo Correspondent | AUS Jumbo Product Profile. | XXXXXXX | No | XXX | XXXXXXX | 10/13/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $1995.00 | 10/XX/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 6.250% | 6.250% | $6638.05 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $0.00 | $7757.71 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 50.52% | 28.21% | 28.21% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 1 | 1 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 108241.71 | 14.0 | 108241.71 | 14.0 | No | XX.XX% | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401018 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXX | XXXXXXX | 12/29/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $16115.00 | 11/XX/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 6.250% | 6.250% | $8964.84 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $0.00 | $10878.83 | $XXXXXXXX | N/A | XXXXXXX | XX | $362.50 | XX/XX/XXXX | Annually | 22.43% | 22.43% | 22.43% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.06% |  | Stocks/Bonds,Proceeds from Sale | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 229945.19 | 21.1 | 229945.19 | 21.1 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401008 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXX | XXXXXXX | 10/13/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $12966.21 | 11/XX/2025 | 6.170% | LP | Accept Ineligible | No | XX.XX% |  | 6.375% | 6.375% | $9708.66 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $0.00 | $12672.86 | $XXXXXXXX | N/A | XXXXXXX | XX | $450.00 | XX/XX/XXXX | Monthly | 39.87% | 39.87% | 39.87% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 383833.86 | 30.7 | 383833.86 | 30.7 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401011 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXX | XXXXXXX | 12/18/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $2145.00 | 11/XX/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 6.375% | 6.375% | $6457.05 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $0.00 | $8812.71 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 41.57% | 41.57% | 41.57% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 26 | 26 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 505958.26 | 57.4 | 505958.26 | 57.4 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401017 | PCG AUS Jumbo 8.18.25 | JUMBO 30 FIXED | XXXXXXX | No | XXX | XXXXXXX | 08/18/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $1790.00 | 11/XX/2025 | 6.260% | LP | Accept Eligible | No | XX.XX% |  | 6.500% | 6.500% | $5182.96 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $8583.86 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 23.69% | 27.00% | 27.00% | No | No | 1 - Not Stated Not Verified |  | 3 - Stated, Partially Verified |  | 1 - Not Stated, Not Verified |  | Not Employed | Employed | Not Employed |  | .00 |  | Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0<br> NA | No | No | 240.0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  | 0.00% | Stocks/Bonds,Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - 2 YRS Executed 4506T Verified - [] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower 2 - Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - [] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower 2 - 2 YRS Executed 4506T Verified | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | 773 | 799 | 790 | 794 |  |  |  | 794 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 358389.75 | 41.8 | 358389.75 | 41.8 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401002 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXX | XXXXXXX | 11/10/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $2065.00 | 12/XX/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 5.875% | 5.875% | $7660.41 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $0.00 | $10457.95 | $XXXXXXXX | N/A | XXXXXXX | XX | $250.00 | XX/XX/XXXX | Monthly | 29.82% | 30.24% | 8.39% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 11 | 11 | Other | Yes | 22 | 22 | Other | No | 0 |  |  | Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  |  | United States | XX/XX/XXXX | United states | XX/XX/XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2829334.23 | 270.5 | 2829334.23 | 270.5 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401001 | AUS Jumbo Correspondent | AUS Jumbo Correspondent | XXXXXXX | No | XXX | XXXXXXX | 11/10/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $1810.00 | 12/XX/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 6.250% | 6.250% | $8866.33 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $0.00 | $10728.36 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 11.73% | 12.28% | 12.28% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Full Doc | 1 | 2 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 2 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 25.00% | 25.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120S, K1), CPA Letter Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120S, K1), CPA Letter Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120S, K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120S, K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 82019.98 | 7.7 | 82019.98 | 7.7 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401010 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXX | XXXXXXX | 11/10/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | Yes | Not Stated | N/A | N/A | $1995.00 | 10/XX/2025 | 6.240% | DU | Approve Eligible | No | XX.XX% |  | 6.125% | 6.125% | $5419.89 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $0.00 | $7629.74 | $XXXXXXXX | N/A | XXXXXXX | XX | $75.00 | XX/XX/XXXX | Monthly | 41.87% | 31.48% | 31.48% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 1 | 2 | Less than 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 8 | 8 | Other | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2022","2023","2025"] - 2022, 2023, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2022","2023","2025"] - 2022, 2023, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 95865.59 | 12.6 | 95865.59 | 12.6 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401014 | PCG AUS Jumbo 11.10.25 | AUS Jumbo Product | XXXXXXX | No | XXX | XXXXXXX | 11/10/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $1479.00 | 11/XX/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 6.125% | 6.125% | $11696.50 | Yes | 6.125% | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $0.00 | $13965.83 | $XXXXXXXX | N/A |  |  | $0.00 |  |  | 44.95% | 44.95% | 44.95% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 233000.94 | 16.7 | 233000.94 | 16.7 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401015 | AUS Jumbo Correspondent | AUS Jumbo Product | XXXXXXX | No | XXX | XXXXXXX | 08/18/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $1530.00 | 12/XX/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 6.125% | 6.125% | $9715.69 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $0.00 | $10647.47 | $XXXXXXXX | Yes | XXXXXXX | XX | $25.00 | XX/XX/XXXX | Annually | 24.03% | 24.02% | 24.02% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 248 | 35 | FNMA 1005 | Yes | 57 | 35 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 173563.16 | 16.3 | 173563.16 | 16.3 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |
| XXXXXX | XXXXXXX | XXXXXX | 54920260401016 | AUS Jumbo Correspondent | AUS Jumbo product | XXXXXXX | No | XXX | XXXXXXX | 12/09/2025 | N/A | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | Not Stated | N/A | N/A | $1195.00 | 12/XX/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | XX.XX% |  | 6.500% | 6.500% | $6067.85 | No |  | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $XXXXXXXX | $0.00 | $8047.14 | $XXXXXXXX | N/A | XXXXXXX | XX | $62.50 | XX/XX/XXXX | Annually | 39.98% | 39.98% | 39.98% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0<br> NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 155 | 36 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXXX | XXXXXXX | XX | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 807 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 126403.27 | 15.7 | 126403.27 | 15.7 | No | XX.XX% | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |

---

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Alt Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Original AVM Confidence Score** | **Original AVM FSD** | **Loan Reviewed Product Type** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **Most Recent AVM Confidence Score** | **Most Recent AVM FSD** | **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** |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401012 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0189 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401005 | XX/XX/XXXX | $XXXXXX | 0 | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3.5 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401003 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401013 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | AVM | $XXXXXX | $XXXXXX | -.0985 |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0985 | 0.940000 | 0.06 | Other | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX | Not Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401007 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Loan Collateral Advisor (LCA) | $XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401006 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Loan Collateral Advisor (LCA) | $XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401009 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401004 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXXXXX | XX.XX% | XX.XX% |  |  | AVM | $XXXXXX | $XXXXXX | -.0065 |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0065 | 0.940000 | 0.06 | Other | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX | Not Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401018 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0 | .0000 | XXXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | Not Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401008 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0 | .0000 | XXXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX | Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401011 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | AVM | $XXXXXX | $XXXXXX | -.0564 |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0564 | 0.940000 | 0.06 | Other | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401017 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Loan Collateral Advisor (LCA) | $XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401002 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401001 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Collateral Underwriter (CU) | $XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 2.2 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401010 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | AVM | $XXXXXX | $XXXXXX | .0648 |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0648 | 0.900000 | 0.1 | Other | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 3.7 | XX/XX/XXXX |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401014 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | Desk Review | $XXXXXX | 0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0 | .0000 | XXXXXXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX | Not Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401015 | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | AVM | $XXXXXX | $XXXXXX | -.0343 |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0343 | 0.960000 | 0.04 | Other | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX | Not Eligible |  |  |
| XXXXXXX | XXXXXXX | XXXXXX | 54920260401016 | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | $XXXXXX | XX.XX% | XX.XX% |  |  | AVM | $XXXXXX | $XXXXXX | -.0035 |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0035 | 0.880000 | 0.12 | XXXXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XX/XX/XXXX |

---

## Exhibit 99.2

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Alt Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXXX | XXXXXX | XXXXXX | 54920260401012 | 0549-153 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.76 | 44.08 | Audit liabilities were based on documents in the loan file. <br>|
| XXXXXXX | XXXXXX | XXXXXX | 54920260401003 | 0549-152 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.55 | 38.76 | DTI difference is less than 1% and within lender tolerance. <br>|
| XXXXXXX | XXXXXX | XXXXXX | 54920260401013 | 0549-153 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.31 | 43.94 | Audit liabilities were based on documents in the loan file.  |
| XXXXXXX | XXXXXX | XXXXXX | 54920260401007 | 0549-152 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.08 | 42.72 | DTI difference is less than 1% and within lender tolerance. <br>|
| XXXXXXX | XXXXXX | XXXXXX | 54920260401006 | 0549-152 | Property Type | propertyValuationPage | Single Family Detached | PUD | Audit value pulled from documents located in the loan file.<br>|
| XXXXXXX | XXXXXX | XXXXXX | 54920260401009 | 0549-152 | Mortgage Origination Channel | the1003Page | Correspondent Flow with Delegated UW | Wholesale | Audit value pulled from documents located in the loan file.<br>|
| XXXXXXX | XXXXXX | XXXXXX | 5492026T0401009 | 0549-152 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.69 | 40.44 | 1008 DTI is 40.436 Audit value pulled from documents located in the loan file.<br>|
| XXXXXXX | XXXXXX | XXXXXX | 54920260401004 | 0549-152 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.21 | 28.05 | Audit reflects difference in qualifying P & I than the approval. <br>|
| XXXXXXX | XXXXXX | XXXXXX | 54920260401008 | 0549-152 | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Limited Cash Out - <2% of Loan Amount or $2000 | Audit value pulled from 1003. |
| XXXXXXX | XXXXXX | XXXXXX | 54920260401017 | 0549-156 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27 | 26.70 | Audit DTI difference is due to liabilities based on documents in loan file. <br>|
| XXXXXXX | XXXXXX | XXXXXX | 54920260401002 | 0549-152 | All Borrower Total Income | the1003Page | 35059.66 | 35060.24 | Audit value pulled from documents located in the loan file.<br>|
| XXXXXXX | XXXXXX | XXXXXX | 54920260401001 | 0549-152 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.28 | 7.97 | Audit value from 1003 due to missing income documents <br>|

---

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Alt Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401005 | Closed | 2026-01-08 09:12 | 2026-02-20 15:13 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-02/20/2026<br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/08/2026 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-02/20/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6983117 | Investor Post-Close | No |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401005 | Closed | 2026-02-20 15:10 | 2026-02-20 15:13 | Waived | 2 - Non-Material | Credit | Eligibility | Appraisal in file is dated greater than 5 months from closing | Waived-Waived by Investor. CFs provided. - Due Diligence Vendor-02/20/2026<br> Open-Appraisal in file is dated greater than 5 months from closing. Primary Value Appraisal is Expired The effective date of the appraisal in file is XX/XX/XXXX. Although an appraisal update was obtained on XX/XX/XXXX, XXXXXX XXX Guidelines require the effective date of the appraisal (with or without an update) be within 12 months of the subject transaction note date (Section B4-1.2-04, Appraisal Age and Use Requirements (XX/XX/XXXX) of the XXXXXX XXX Selling Guide). The subject loan closed after XX/XX/XXXX, so the appraisal effective date was not within 12 months. A new appraisal was required for the subject transaction, along with a secondary valuation supporting the value of the new appraisal. - Due Diligence Vendor-02/20/2026 | Ok to waive. - 02/20/2026<br>| Waived-Waived by Investor. CFs provided. - Due Diligence Vendor-02/20/2026<br>|  |  | FICO 771; Cash Reserves $137k; Borrower with 14 years of employment in same field of work | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7729991 | Investor Post-Close | No |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401003 | Closed | 2026-01-14 13:23 | 2026-01-23 12:49 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-01/23/2026<br> Open- - Due Diligence Vendor-01/15/2026<br> Open- - Due Diligence Vendor-01/15/2026<br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of ($X,XXX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-01/14/2026<br> Open- - Due Diligence Vendor-01/14/2026 |  | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-01/23/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7092574 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401003 | Closed | 2026-01-14 13:23 | 2026-01-23 12:49 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Received COC. Condition cleared. - Due Diligence Vendor-01/23/2026<br> Ready for Review-Document Uploaded. - Seller-01/23/2026<br> Open- - Due Diligence Vendor-01/15/2026<br> Open- - Due Diligence Vendor-01/15/2026<br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-01/14/2026<br> Open- - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026<br>| Resolved-Received COC. Condition cleared. - Due Diligence Vendor-01/23/2026<br>| XXXXX XXXXXXXXX COC.pdf |  |  | XX | Primary Residence | Purchase | NA | 7092573 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401003 | Closed | 2026-01-15 08:06 | 2026-01-23 12:05 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-01/23/2026<br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-01/23/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7107940 | Investor Post-Close | No |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401003 | Closed | 2026-01-15 08:06 | 2026-01-15 12:20 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by investor<br> - Due Diligence Vendor-01/15/2026<br> Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-Acknowledged by investor<br> - Due Diligence Vendor-01/15/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7107939 | Investor Post-Close | No |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401013 | Closed | 2026-01-27 08:23 | 2026-02-02 11:31 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received Homeownership Counseling disclosure dated the same day as application. Condition cleared. - Due Diligence Vendor-02/02/2026<br> Open- - Due Diligence Vendor-02/02/2026<br> Acknowledged-Acknowledged by investor - Due Diligence Vendor-01/30/2026<br> Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026<br> Open- - Due Diligence Vendor-01/27/2026<br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved-Received Homeownership Counseling disclosure dated the same day as application. Condition cleared. - Due Diligence Vendor-02/02/2026<br>Acknowledged-Acknowledged by investor - Due Diligence Vendor-01/30/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7310012 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401013 | Closed | 2026-01-27 08:23 | 2026-02-02 11:30 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received initial LE dated the same day of application. Condition cleared. - Due Diligence Vendor-02/02/2026<br> Resolved- - Due Diligence Vendor-02/02/2026<br> Ready for Review-Document Uploaded. - Seller-01/30/2026<br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) "The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX No Cure.<br> - Due Diligence Vendor-01/27/2026<br> Open- - Due Diligence Vendor-01/27/2026<br> Open- - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Resolved-Received initial LE dated the same day of application. Condition cleared. - Due Diligence Vendor-02/02/2026<br>| XXXXXX XX XXXXXXXXX Initial Disclosure.pdf |  |  | XX | Primary Residence | Purchase | NA | 7310013 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401013 | Closed | 2026-01-28 15:20 | 2026-01-28 15:21 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-01/28/2026<br>Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other Agencies.<br> - Due Diligence Vendor-01/28/2026 |  | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-01/28/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7339246 | Investor Post-Close | No |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401006 | Closed | 2026-01-20 07:11 | 2026-02-16 06:44 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-Received LOE confirming there are no HOA dues which is consistent with the appraisals provided in the loan file. Condition cleared. - Due Diligence Vendor-02/16/2026<br>Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-02/16/2026<br>Ready for Review-Document Uploaded. Please see the broker's HOA response. I'm rereading the finding...I hope that's what you're looking for! - Seller-02/13/2026<br>Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Monthly HOI Assessment payments do not meet requirements - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. Please see the broker's HOA response. I'm rereading the finding...I hope that's what you're looking for! - Seller-02/13/2026<br>| Resolved-Received LOE confirming there are no HOA dues which is consistent with the appraisals provided in the loan file. Condition cleared. - Due Diligence Vendor-02/16/2026<br>Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-02/16/2026<br>| XXXXXX XXXXXXXXX HOA Response.pdf |  |  | XX | Primary Residence | Purchase | NA | 7176601 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401006 | Closed | 2026-01-20 07:29 | 2026-02-16 06:44 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received LOE confirming there are no HOA dues which is consistent with the appraisals provided in the loan file. Condition cleared. - Due Diligence Vendor-02/16/2026<br>Open-Deed reflects property type as PUD with attached Rider as well as lender has included HOA dues. Missing verification of HOA dues. - Due Diligence Vendor-01/20/2026 |  | Resolved-Received LOE confirming there are no HOA dues which is consistent with the appraisals provided in the loan file. Condition cleared. - Due Diligence Vendor-02/16/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7176875 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401009 | Closed | 2026-01-21 19:19 | 2026-01-21 19:20 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-01/22/2026<br>Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other Agencies. - Due Diligence Vendor-01/22/2026 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-01/22/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7229703 | Investor Post-Close | No |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401004 | Closed | 2026-01-22 08:45 | 2026-02-20 12:39 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Received evidence of HOA dues for second home and updated AUS. Condition cleared. - Due Diligence Vendor-02/20/2026<br>Open-Received Voluntary Lien Report for 2nd home property to evidence F&C. Pending receipt of HOA on 2nd home. Condition remains. - Due Diligence Vendor-01/30/2026<br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements missing evidence of free & clear and HOA on 2nd home - Due Diligence Vendor-01/22/2026 |  | Resolved-Received evidence of HOA dues for second home and updated AUS. Condition cleared. - Due Diligence Vendor-02/20/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7240440 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401004 | Closed | 2026-01-22 08:44 | 2026-02-20 12:39 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for Second Home | Resolved-Received evidence of HOA dues for second home and updated AUS. Condition cleared. - Due Diligence Vendor-02/20/2026<br> Ready for Review-Document Uploaded. Please see attached documentation to support HOA dues of $XX per month. In addition to the subject, there are three recent sales from the area that also support $XX per month. We added the $XX and reran the cert.<br> XXXX XXXXX XXXXX XX, XXXXXXX, XX XXXXX<br> XXXX XXXXX XXXXX XX, XXXXXXX, XX XXXXX<br> XXXX XXXXX XXXXX XX, XXXXXXX, XX XXXXX<br> It is noted that the DTI is only 28% so additional documentation should not be needed. Thanks for your consideration! - Seller-02/20/2026<br> Open-Missing Evidence of HOA Dues for Second Home - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. Please see attached documentation to support HOA dues of $XX per month. In addition to the subject, there are three recent sales from the area that also support $XX per month. We added the $XX and reran the cert.<br> XXXX XXXXX XXXXX XX, XXXXXXXX, XX XXXXX<br> XXXX XXXXX XXXXX XX, XXXXXXXX, XX XXXXX<br> XXXX XXXXX XXXXX XX, XXXXXXXX, XX XXXXX<br> It is noted that the DTI is only 28% so additional documentation should not be needed. Thanks for your consideration! - Seller-02/20/2026<br>| Resolved-Received evidence of HOA dues for second home and updated AUS. Condition cleared. - Due Diligence Vendor-02/20/2026<br>| XXXXXXXXX Updated LPA #10.pdf<br> XXXXXXXXX Subject HOA.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7240402 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401004 | Closed | 2026-01-22 08:44 | 2026-01-30 10:29 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence that Second Home is Owned Free and Clear | Resolved-Received Voluntary Lien Report for 2nd home property to evidence F&C. Condition cleared. - Due Diligence Vendor-01/30/2026<br>Ready for Review-Document Uploaded. - Seller-01/29/2026<br>Open-Missing Evidence that Second Home is Owned Free and Clear - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Received Voluntary Lien Report for 2nd home property to evidence F&C. Condition cleared. - Due Diligence Vendor-01/30/2026<br>| XXXXXXXXX 2nd Home F&C.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7240403 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401004 | Closed | 2026-01-22 16:46 | 2026-01-22 16:47 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-This finding is graded B for S&P only and graded A for all other Agencies.<br> - Due Diligence Vendor-01/22/2026<br>Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is graded B for S&P only and graded A for all other Agencies.<br> - Due Diligence Vendor-01/22/2026 |  | Acknowledged-This finding is graded B for S&P only and graded A for all other Agencies.<br> - Due Diligence Vendor-01/22/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7256248 | Investor Post-Close | No |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401018 | Closed | 2026-02-12 14:27 | 2026-03-10 13:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Investor acknowledged. This finding will be rated a B for S&P. All other agencies will be rated as A.<br> - Due Diligence Vendor-03/10/2026<br>Acknowledged- - Due Diligence Vendor-02/13/2026<br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2026 |  | Acknowledged-Investor acknowledged. This finding will be rated a B for S&P. All other agencies will be rated as A.<br> - Due Diligence Vendor-03/10/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7592104 | Investor Post-Close | No |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401008 | Closed | 2026-01-15 12:03 | 2026-01-28 09:52 | Resolved | 1 - Information | Compliance | Missing Doc | Final Closing Disclosure is missing or incomplete | Resolved-Received PCCD to include payoff in Section K. Condition cleared. - Due Diligence Vendor-01/28/2026<br>Ready for Review-Document Uploaded. - Seller-01/28/2026<br>Open-Final Closing Disclosure is missing or incomplete The Final Closing Disclosure does not list the loan being paid off in Section K - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-01/28/2026<br>| Resolved-Received PCCD to include payoff in Section K. Condition cleared. - Due Diligence Vendor-01/28/2026<br>| XXXXXX XXXXXXXXX PCCD.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7115766 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401008 | Closed | 2026-01-15 12:09 | 2026-01-15 12:27 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-01/15/2026<br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-01/15/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7115918 | Investor Post-Close | No |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401002 | Closed | 2026-01-18 08:45 | 2026-01-23 12:07 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-01/23/2026<br>Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/18/2026 |  | Acknowledged-Acknowledged by Investor.<br> - Due Diligence Vendor-01/23/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7156160 | Investor Post-Close | No |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401001 | Closed | 2026-01-23 08:08 | 2026-02-17 12:56 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Income Recalculated with Additional SE income. DTI within Guideline max. Condition Resolved. - Due Diligence Vendor-02/17/2026<br> Ready for Review-Thanks for the information! Question for you: In addition to the two businesses you used for income, the borrower has at least 15 other businesses, most of which have income. Why were those not utilized? - Seller-02/13/2026<br> Counter-Borrower 1 - The audit used income of $XX,XXX from the employer reflected in 1b of the final 1003 and income of $X,XXX from the employer reflected in 1c of the final 1003. Borrower 2 - The audit used income of $XX,XXX from the employer reflected in 1b of the final 1003 and income of $XX,XXX from the employer reflected in 1c of the final 1003. Audit liabilities of include subject PITI of $10,728.36, REO net rental loss of $X,XXX.XX and consumer debt of $XXX for total liabilities of $XX,XXX.XX. Condition remains.<br> - Due Diligence Vendor-02/10/2026<br> Ready for Review-Document Uploaded. Your income is $65,969 and ours is $136,366.59<br> Your liabilities are $XX,XXX.XX, ours are XX,XXX.XX<br> I have uploaded our income worksheet hoping that you can identify the discrepancies. If you'd prefer, you could upload your income worksheet and I'll try to figure out where we differ.<br> Thanks!<br> - Seller-02/04/2026<br> Open-Audited DTI of 25.38% exceeds AUS DTI of 8% AUS if file reflects 8% DTI - Due Diligence Vendor-01/23/2026 | Ready for Review-Thanks for the information! Question for you: In addition to the two businesses you used for income, the borrower has at least 15 other businesses, most of which have income. Why were those not utilized? - Seller-02/13/2026<br> Ready for Review-Document Uploaded. Your income is $65,969 and ours is $136,366.59<br> Your liabilities are $XX,XXX.XX, ours are XX,XXX.XX<br> I have uploaded our income worksheet hoping that you can identify the discrepancies. If you'd prefer, you could upload your income worksheet and I'll try to figure out where we differ.<br> Thanks!<br> - Seller-02/04/2026<br>| Resolved-Income Recalculated with Additional SE income. DTI within Guideline max. Condition Resolved. - Due Diligence Vendor-02/17/2026<br>| XXXXXXXXX Income Worksheet.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7267051 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401001 | Closed | 2026-01-23 08:04 | 2026-02-13 12:22 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Received CPA letter. Condition cleared. - Due Diligence Vendor-02/02/2026<br>Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing VOE - Due Diligence Vendor-01/23/2026 |  | Resolved-Received CPA letter. Condition cleared. - Due Diligence Vendor-02/02/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7266974 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401001 | Closed | 2026-01-23 08:04 | 2026-02-13 12:21 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-XXXX K-1 is provided in the loan file for Borrower 2. Condition cleared. - Due Diligence Vendor-02/13/2026<br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing W2's & K1's - Due Diligence Vendor-01/23/2026 |  | Resolved-2024 K-1 is provided in the loan file for Borrower 2. Condition cleared. - Due Diligence Vendor-02/13/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7266975 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401001 | Closed | 2026-01-23 08:04 | 2026-02-13 12:19 | Resolved | 1 - Information | 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-02/13/2026<br>Resolved-Received CPA letter. Condition cleared. - Due Diligence Vendor-02/02/2026<br>Ready for Review-Document Uploaded. - Seller-01/29/2026<br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd party VOE for both businesses. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/13/2026<br>Resolved-Received CPA letter. Condition cleared. - Due Diligence Vendor-02/02/2026<br>| XXXXXXXXX VOE.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7266969 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401001 | Closed | 2026-01-23 08:04 | 2026-02-13 12:19 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-02/13/2026<br> Resolved-Rebuttal indicates no W-2s for the business in question. Confirmed K-1 income reported. Condition cleared. - Due Diligence Vendor-02/10/2026<br> Ready for Review-I looked at the business and personal tax returns and I don't see any indication that the borrower(s) received a W2 from XXXXX XXXXXXXXXXX or from XXXXX XXXXX XXX XXX. - Seller-02/04/2026<br> Counter-Received the same W-2s that were provided in the loan file. Please provide the W-2s for Borrower 1 for the businesses reflected in 1b and 1c of the final loan application. Condition remains. - Due Diligence Vendor-02/02/2026<br> Ready for Review-Document Uploaded. - Seller-01/29/2026<br> Open-Borrower 1 W2/1099 Missing Missing B1- W2 for both businesses. - Due Diligence Vendor-01/23/2026 | Ready for Review-I looked at the business and personal tax returns and I don't see any indication that the borrower(s) received a W2 from XXXXX XXXXXXXXX or from XXXXX XXXXX XXX XXX. - Seller-02/04/2026<br> Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-02/13/2026<br>Resolved-Rebuttal indicates no W-2s for the business in question. Confirmed K-1 income reported. Condition cleared. - Due Diligence Vendor-02/10/2026<br>| XXXXXXXXX W2.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7266970 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401001 | Closed | 2026-01-23 08:04 | 2026-02-13 12:19 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/13/2026<br>Resolved-Received CPA letter. Condition cleared. - Due Diligence Vendor-02/02/2026<br>Ready for Review-Document Uploaded. - Seller-01/29/2026<br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing 3rd party VOE for both businesses. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/13/2026<br>Resolved-Received CPA letter. Condition cleared. - Due Diligence Vendor-02/02/2026<br>| XXXXXXXXX VOE.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7266971 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401001 | Closed | 2026-01-23 08:04 | 2026-02-13 12:19 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/13/2026<br> Resolved-XXXX K-1 is provided in the loan file for Borrower 2. Condition cleared. - Due Diligence Vendor-02/13/2026<br> Open-Borrower 2 W2/1099 Missing Missing W2 for XXXXX XXXXXXXXXX - Due Diligence Vendor-01/23/2026 |  | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/13/2026<br> Resolved-XXXX K-1 is provided in the loan file for Borrower 2. Condition cleared. - Due Diligence Vendor-02/13/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7266972 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401001 | Closed | 2026-01-23 08:04 | 2026-02-13 12:19 | Resolved | 1 - Information | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-02/13/2026<br>Open-Income and Employment Do Not Meet Guidelines Income documents missing - Due Diligence Vendor-01/23/2026 |  | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-02/13/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7266973 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401001 | Closed | 2026-01-22 05:10 | 2026-02-02 07:06 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Received credit report. Condition cleared. - Due Diligence Vendor-02/02/2026<br>Ready for Review-Document Uploaded. - Seller-01/29/2026<br>Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Received credit report. Condition cleared. - Due Diligence Vendor-02/02/2026<br>| XXXXXXXXX Credit Report.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7237226 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401001 | Closed | 2026-01-22 05:10 | 2026-02-02 07:06 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received credit report. Condition cleared. - Due Diligence Vendor-02/02/2026<br>Ready for Review-Document Uploaded. - Seller-01/29/2026<br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Received credit report. Condition cleared. - Due Diligence Vendor-02/02/2026<br>| XXXXXXXXX Credit Report.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7237225 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401010 | Closed | 2026-01-28 15:03 | 2026-02-11 08:18 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received evidence of correct application date. Condition cleared. - Due Diligence Vendor-02/11/2026<br> Resolved-Resolved - Due Diligence Vendor-02/11/2026<br> Ready for Review-Document Uploaded. Not Valid - LOE provided for correct initial application date of XX/XX/XXXX - Seller-02/10/2026<br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii))<br> - Due Diligence Vendor-01/28/2026<br> Open- - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Not Valid - LOE provided for correct initial application date of XX/XX/XXXX - Seller-02/10/2026<br>| Resolved-Received evidence of correct application date. Condition cleared. - Due Diligence Vendor-02/11/2026<br>Resolved-Resolved - Due Diligence Vendor-02/11/2026<br>| XXXXXXXXX XXXX LOE.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7338958 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401010 | Closed | 2026-01-28 13:19 | 2026-01-28 18:17 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-01/29/2026<br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/28/2026 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-01/29/2026<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7336846 | Investor Post-Close | No |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401014 | Closed | 2026-02-19 13:53 | 2026-02-19 16:35 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-02/19/2026<br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/19/2026 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-02/19/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7705503 | Investor Post-Close | No |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401015 | Closed | 2026-02-17 15:56 | 2026-02-17 22:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-02/18/2026<br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/17/2026 |  | Acknowledged-Acknowledged by Investor - Due Diligence Vendor-02/18/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7663916 | Investor Post-Close | No |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401016 | Closed | 2026-02-03 16:41 | 2026-02-24 10:01 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Received Borrower ID. Condition cleared. - Due Diligence Vendor-02/24/2026<br>Ready for Review-Document Uploaded. - Seller-02/23/2026<br>Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-02/08/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026<br>| Resolved-Received Borrower ID. Condition cleared. - Due Diligence Vendor-02/24/2026<br>| XXXXX XXXXXXXXX CIP.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7427278 | N/A | N/A |
| XXXXXX | XXXXXXX | XXXXXXX | XXXXXX | 54920260401016 | Closed | 2026-02-13 14:52 | 2026-02-13 16:29 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-02/13/2026<br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/13/2026 |  | Acknowledged-Acknowledged by Investor. - Due Diligence Vendor-02/13/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7617768 | Investor Post-Close | No |

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## Exhibit 99.3

![](ca_logo.jpg)

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

#### Overview
Consolidated Analytics, Inc ("Consolidated Analytics"), performed certain due diligence services (the "Review") described below on a newly originated residential mortgage loan acquired by Goldman Sachs Mortgage Company through a bulk purchase. The review included a total of 51 newly originated residential mortgage loans, in connection with the securitization identified as GSMBS 2026-PJ6 (the "Securitization"). The Review was conducted from January 2026 to February 2026 on mortgage loans originated between January 2026 and February 2026.

#### Scope of Review

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

The Credit Review attempted to confirm the following:

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

<br> i. Income / Assets

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

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

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

<br> ii. Employment Status

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

<br> iii. Monthly Mortgage Payment

<br> • Confirm program, qualifying rate, terms

<br> iv. Simultaneous Loans

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

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

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

<br> vi. Debts / Obligations

<br> • Validate monthly recurring liabilities

<br> vii. DTI and/or Residual Income

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

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

<br> viii. Credit History

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

<br> • Determine representative credit score from credit report

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

<br> c. Review borrower's occupancy

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

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

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

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

<br> h. Confirm Loan Approval conditions were met

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

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

<br> i. Pricing Thresholds:

<br> a. Pricing for First Lien Loans:

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

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

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

<br> b. Pricing for Subordinate Lien Loans:

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

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

<br> c. Pricing for Manufactured Homes:

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

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

<br> ii. Consider Income and Assets:

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

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

<br> o The monthly DTI or residual income.

<br> iii. Verification of Income and Assets:

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

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

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

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

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

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

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

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

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

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

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

<br> c. Tolerance Testing

<br> i. Compare Loan Estimate and Closing Disclosures

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

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

<br> e. Recalculation of APR and Finance Charge

<br> f. Testing of:

<br> i. Federal High Cost Mortgage provisions

<br> ii. Federal Higher Priced Mortgage Loans provisions

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

<br> iv. HOEPA Points and Fees

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

<br> i. Service Provider List

<br> ii. Home Ownership Counselling Disclosure

<br> iii. ARM Disclosure

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

<br> i. APR Test

<br> ii. Points & Fees Test

<br> iii. Prepayment Penalty Test

<br> iv. Product Eligibility Testing

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

------

For loans reviewed in a post-close valuation review scenario (51 loans in total):

Three (3) loans had a Secondary Appraisal, twenty (20) loans had an AVM, and thirteen (13) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were three (3) occurrences of this.

One (1) loan had a Field Review or BPO, zero (0) loans had a Full Appraisal Review, and zero (0) loans had an Exterior Only Appraisal Review.

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

#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the 51 mortgage loans reviewed, twenty-one (21) unique mortgage loans (41.18% by loan count) had a total of twenty-one (21) tape discrepancies across two (2) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

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| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Qualifying Total Debt Income Ratio | 19 | 90.48% |
| QM Qualifying Total Debt Income Ratio | 2 | 9.52% |
| **Grand Total** | **21** | **100.00%** |

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#### Summary of Results

#### OVERALL RESULTS SUMMARY

#### Final Loan Grades

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| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |  |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 31 | $45610211.00 | 60.78% |
| Event Grade B | 20 | $29884894.00 | 39.22% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |

---

------

---

| | | | |
|:---|:---|:---|:---|
| **Total Sample** | 51 | $75495105.00 | 100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 45 | 88.24% |  |
| Event Grade B | 6 | 11.76% |  |
| Event Grade C | 0 | 0 |  |
| Event Grade D | 0 | 0 |  |
| **Total Sample** | 51 | 100.00% |  |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 36 | 70.59% |  |
| Event Grade B | 15 | 29.41% |  |
| Event Grade C | 0 | 0% |  |
| Event Grade D | 0 | 0% |  |
| **Total Sample** | 51 | 100.00% |  |
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 50 | 98.04% |  |
| Event Grade B | 1 | 1.96% |  |
| Event Grade C | 0 | 0% |  |

---

------

---

| | | |
|:---|:---|:---|
| Event Grade D | 0 | 0% |
| **Total Sample** | 51 | 100.00% |

---

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

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| | | |
|:---|:---|:---|
| Exception Type | Exception Category | Total |
| Credit | No Credit Findings | 34 |
| Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 3 |
| Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | 2 |
| Credit | Borrower 1 3rd Party VOE Prior to Close Missing | 2 |
| Credit | Asset 1 Does Not Meet Guideline Requirements | 2 |
| Credit | AUS Partially Provided | 1 |
| Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | 1 |
| Credit | Missing VOM or VOR | 1 |
| Credit | Borrower 1 Tax Returns Not Signed | 1 |
| Credit | Missing Verification of Mortgage | 1 |
| Credit | Borrower 1 WVOE Missing | 1 |
| Credit | Asset 5 Does Not Meet Guideline Requirements | 1 |
| Credit | Third Party Fraud Report not Provided | 1 |
| Credit | Borrower 1 Business Tax Returns Missing | 1 |
| Credit | Income 5 Months Income Verified is Missing | 1 |
| Credit | Borrower 1 Credit Report is Incomplete | 1 |
| Credit | Missing Lender Income Calculation Worksheet | 1 |
| Credit | Borrower 2 3rd Party VOE Prior to Close Missing | 1 |
| Credit | ***Total Credit Grade (A) Exceptions:*** | ***56*** |
| Credit | Purchase Contract is Incomplete | 4 |
| Credit | Approval/Underwriting Summary Partially Provided | 1 |
| Credit | Hazard Insurance Effective Date is after the Disbursement Date | 1 |
| Credit | ***Total Credit Grade (B) Exceptions:*** | ***6*** |
| Compliance<br> A | No Compliance Findings | 34 |

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------

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| | | | |
|:---|:---|:---|:---|
| | | Charges That Cannot Increase Test | 1 |
| | | Lender Credits That Cannot Decrease Test | 1 |
|  |  | ***Total Compliance Grade (A) Exceptions:*** | ***36*** |
|  | B | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 13 |
|  | B | Missing Required Affiliated Business Disclosure | 4 |
|  | B | Missing Credit Score Disclosure (FACTA) | 1 |
|  | B | Charges That In Total Cannot Increase More Than 10% Test | 1 |
|  | B | Charges That Cannot Increase Test | 1 |
|  | B | ***Total Compliance Grade (B) Exceptions:*** | ***20*** |
| Property | A | No Property Findings | 49 |
| Property | A | Third Party Valuation Product Not Provided within 10% Tolerance | 1 |
| Property | A | ***Total Property Grade (A) Exceptions:*** | ***50*** |
| Property | B | Condo Approval Missing | 1 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | ***1*** |

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#### Event Grade Definitions

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

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

---

------

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| | |
|:---|:---|
| **Credit Event Grades** | **Credit Event Grades** |
|  | not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| D | There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

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

---

---

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

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## Exhibit 99.3

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| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Alternate Loan Number** | **Investor Loan Number** | **Loan Exception ID** | **Deal Num** | **Deal Name** | **Exception ID** | **Last Name** | **Purpose** | **Occupancy** | **Note Date** | **County** | **State** | **Original Loan Amount** | **Loan Status** | **Exception Date** | **Exception Subcategory** | **Exception Type** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Statute of Limitation Date** | **Assigned To** | **Comments** |
| 84061 |  | XXX | XXX | XXX | FCRE1764 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/21/2026 | Missing Verification of Mortgage | Credit | Resolved | 01/30/2026 | 1 | Missing Verification of Mortgage |  | Provide Mortgage statement/VOM for property at XXX Final 1003 reflects payment of $XXX, however credit report shows a payment of $XXX, unable to link this payment to any property. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Client provided settlement evidence dated XX/XX/XXXX with new PITI |
| 84061 |  | XXX | XXX | XXX | FCRE1479 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/21/2026 | Asset 1 Does Not Meet Guideline Requirements | Credit | Resolved | 01/30/2026 | 1 | Asset 1 Does Not Meet Guideline Requirements |  | Asset Record 1 Does Not Meet G/L Requirements. Provide statement for XXX account ending XXX. Transaction History provided does not reflect borrower name to link ownership. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Asset Record 1 Meets G/L Requirements; Asset statement with name provided. |
| 84061 |  | XXX | XXX | XXX | FCRE1483 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/21/2026 | Asset 5 Does Not Meet Guideline Requirements | Credit | Resolved | 01/30/2026 | 1 | Asset 5 Does Not Meet Guideline Requirements |  | Asset 5 Does Not Meet Guideline Requirements Provide additional bank statement for XXX account ending XXX, prior to closing to complete the 2 months bank statement requirement. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Asset 5 Meets Guideline Requirements Or Not Applicable; Per client, Per FNMA B3-4.3-01, when the account is made up of stocks and mutual funds, only the most recent monthly or quarterly statement is required. 2 months statements are required only on depository accounts.; Asset 5 Does Not Meet Guideline Requirements |
| 84061 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/19/2026 | No Compliance Findings | Compliance | Resolved | 01/22/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84061 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/21/2026 | No Property Findings | Property | Resolved | 01/22/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84240 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/26/2026 | No Property Findings | Property | Resolved | 01/27/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84240 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/26/2026 | No Credit Findings | Credit | Resolved | 01/27/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84240 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/26/2026 | No Compliance Findings | Compliance | Resolved | 01/27/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84287 |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/27/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/12/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Document Required: Missing evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | ; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Document Required: Missing evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. |
| 84287 |  | XXX | XXX | XXX | FPRO9990 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/28/2026 | Third Party Valuation Product Not Provided within 10% Tolerance | Property | Resolved | 02/10/2026 | 1 | Third Party Valuation Product Not Provided within 10% Tolerance |  | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Third party valuation product provided within tolerance.; Valuation provided. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |
| 84287 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/28/2026 | No Credit Findings | Credit | Resolved | 01/29/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84004 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/29/2026 | No Compliance Findings | Compliance | Resolved | 01/30/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84004 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/30/2026 | No Credit Findings | Credit | Resolved | 01/30/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84004 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/30/2026 | No Property Findings | Property | Resolved | 01/30/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84047 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/29/2026 | No Property Findings | Property | Resolved | 01/30/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84047 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/29/2026 | No Credit Findings | Credit | Resolved | 01/30/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84047 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/29/2026 | No Compliance Findings | Compliance | Resolved | 01/30/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84034 |  | XXX | XXX | XXX | finding-3634 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/30/2026 | Charges That Cannot Increase Test | Compliance | Cured | 02/23/2026 | 2 | Charges That Cannot Increase Test |  | 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 $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal Re-inspection fee. There are no COC's in the file however the initial appraisal dated 11.XX.25 shows that the appraisal is made subject to completion and there is a payment receipt in the file dated XX/XX/XXXX. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; The appraisal reinspection fee was ordered and completed more than 3 days prior to the date of disclosure therefore it was not disclosed timely. |
| 84034 |  | XXX | XXX | XXX | finding-3635 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/29/2026 | Charges That In Total Cannot Increase More Than 10% Test | Compliance | Cured | 02/23/2026 | 2 | Charges That In Total Cannot Increase More Than 10% Test |  | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The 10% tolerance violation in the amount of $XXX is due to increases in the following fees:<br> Lender's Title Insurance Policy from $XXX to $XXX = +$XXX<br> Settlement or Closing Fee from $XXX to $XXX = +$XXX<br> Title Endorsement Fee 1from $150.00 to $225.00= +$75.00<br> title service fee [Custom Fee] from $0.00 to $150.00= +$150.00<br> Final Charges That In Total Cannot Increase More Than 10% Total $9,854.50<br> Comparable Charges That In Total Cannot Increase More Than 10% Total +$7,434.00<br> Tolerance variance amount for charges that in total cannot increase more than 10% (in $) $1,677.10<br> A COC justifying the increased fees was not found.<br>| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B |
| 84034 |  | XXX | XXX | XXX | FCRE1322 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/29/2026 | Borrower 1 Business Tax Returns Missing | Credit | Resolved | 02/13/2026 | 1 | Borrower 1 Business Tax Returns Missing |  | Borrower 1 Business Tax Returns Missing Missing the complete 1065 return | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Borrower 1 Business Tax Returns Provided; Client provided evidence and explanation. Resolved. ; Borrower 1 Business Tax Returns Missing Missing the complete 1065 return |
| 84034 |  | XXX | XXX | XXX | FCRE1201 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/30/2026 | Third Party Fraud Report not Provided | Credit | Resolved | 02/13/2026 | 1 | Third Party Fraud Report not Provided |  | Missing Third Party Fraud Report | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Third Party Fraud Report is provided; Fraud report provided. |
| 84034 |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/29/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/12/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date XX/XX/XXXX is required, but missing from the file. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | ; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date XX/XX/XXXX is required, but missing from the file. |
| 84034 |  | XXX | XXX | XXX | FPRO0951 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/29/2026 | Condo Approval Missing | Property | Acknowledged | 02/11/2026 | 2 | Condo Approval Missing |  | Condo Approval Missing. Condo approval is Missing. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Client acknowledged. Will not be providing. ; Condo Approval Missing. Condo approval is Missing. |
| 84034 |  | XXX | XXX | XXX | FCRE9785 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/30/2026 | Purchase Contract is Incomplete | Credit | Acknowledged | 02/11/2026 | 2 | Purchase Contract is Incomplete |  | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Missing ADDENDUM for the Final Sales Price of $XXX. Versus the contract purchase price of $XXX. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Client will not be providing. Acknowledged. ; Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Missing ADDENDUM for the Final Sales Price of $XXX. Versus the contract purchase price of $XXX. |
| 84092 |  | XXX | XXX | XXX | FCOM5556 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/29/2026 | Missing Credit Score Disclosure (FACTA) | Compliance | Acknowledged | 02/09/2026 | 2 | Missing Credit Score Disclosure (FACTA) |  | Missing Credit Score Disclosure (FACTA). | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Acknowledged and accepted as level 2/B rating. |
| 84092 |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/29/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/09/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). An acknowledgement of receipt was signed at consummation without a 3-day waiver present. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Acknowledged and accepted as level 2/B rating.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). An acknowledgement of receipt was signed at consummation without a 3-day waiver present. |
| 84092 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/29/2026 | No Property Findings | Property | Resolved | 01/30/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84092 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/29/2026 | No Credit Findings | Credit | Resolved | 01/30/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84076 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/28/2026 | No Compliance Findings | Compliance | Resolved | 01/29/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84076 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/29/2026 | No Credit Findings | Credit | Resolved | 01/29/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84076 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 01/29/2026 | No Property Findings | Property | Resolved | 01/29/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84149 |  | XXX | XXX | XXX | finding-3634 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/03/2026 | Charges That Cannot Increase Test | Compliance | Resolved | 02/18/2026 | 1 | Charges That Cannot Increase Test |  | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal Fee on the revised CD dated XX/XX/XXXX. There is a COC in file dated XX/XX/XXXX, however it does not provide an adequate valid reason for this fee increase. Please provide a valid COC or cure package. 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 $150.00.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). | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Valid COC received - exception resolved; Valid COC received - exception resolved |
| 84149 |  | XXX | XXX | XXX | FCRE7496 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/02/2026 | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Credit | Resolved | 02/18/2026 | 1 | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments |  | DU and 1008 reflect an other amount of $XXX in the subject PITIA. Explanation of this fee, and documentation to support it, are required. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Correction provided. |
| 84149 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/03/2026 | No Property Findings | Property | Resolved | 02/03/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84341 |  | XXX | XXX | XXX | FCRE1183 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/02/2026 | Approval/Underwriting Summary Partially Provided | Credit | Acknowledged | 02/24/2026 | 2 | Approval/Underwriting Summary Partially Provided |  | Approval/Underwriting Summary Partially Provided. The final DU provided was submission # 11, dated XX/XX/XXXX with a loan amount of $XXXXX, and a sales price of $XXX. The loan closed with a loan amount of $XXXXX and a sales price of $XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Acknowledged, accepting 2/B grading.; Approval/Underwriting Summary Partially Provided. The final DU provided was submission # 11, dated XX/XX/XXXX with a loan amount of $XXXXX, and a sales price of $XXX. The loan closed with a loan amount of $XXXXX and a sales price of $XXX. |
| 84341 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/02/2026 | No Property Findings | Property | Resolved | 02/03/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84341 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/03/2026 | No Compliance Findings | Compliance | Resolved | 02/03/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84211 |  | XXX | XXX | XXX | finding-3652 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/02/2026 | Lender Credits That Cannot Decrease Test | Compliance | Resolved | 02/18/2026 | 1 | Lender Credits That Cannot Decrease Test |  | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TIAL 130b Cure required. Refund in the amount of $2232.00; cure package requires a PCCD, lox, copy of refund check and proof of delivery or Valid COC. The lender credit violation in the amount of $XXX is due to the decrease from XXX to XXX on the final CD issued XX/XX/XXXX without a valid reason. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Valid COC provided; exception resolved; Valid COC provided; exception resolved |
| 84211 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/03/2026 | No Credit Findings | Credit | Resolved | 02/04/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84211 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/03/2026 | No Property Findings | Property | Resolved | 02/04/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84193 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/02/2026 | No Compliance Findings | Compliance | Resolved | 02/03/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 84193 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/02/2026 | No Credit Findings | Credit | Resolved | 02/03/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 84193 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/02/2026 | No Property Findings | Property | Resolved | 02/03/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 84201 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/02/2026 | No Compliance Findings | Compliance | Resolved | 02/04/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84201 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/02/2026 | No Credit Findings | Credit | Resolved | 02/04/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84201 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/02/2026 | No Property Findings | Property | Resolved | 02/04/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84379 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/05/2026 | No Credit Findings | Credit | Resolved | 02/06/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 84379 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/05/2026 | No Property Findings | Property | Resolved | 02/06/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 84379 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/05/2026 | No Compliance Findings | Compliance | Resolved | 02/06/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 84065 |  | XXX | XXX | XXX | FCRE1316 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/05/2026 | Borrower 1 3rd Party VOE Prior to Close Missing | Credit | Resolved | 02/19/2026 | 1 | Borrower 1 3rd Party VOE Prior to Close Missing |  | Borrower 1 3rd Party VOE Prior to Close Missing The guidelines require a verification of employment for each borrower. When the borrower is self-employed, a verification dated within 120 calendar days prior to the note date is required. The Borrower owns 2 businesses: XXX and XXX. The loan file contained proof XXX was still active on XX/XX/XXXX. The loan file contained proof XXX was active; however, the document was not dated. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Borrower 1 3rd Party VOE Prior to Close Was Provided; Client verified XXX was verified on XX/XX/XXXX. LM Updated.; Borrower 1 3rd Party VOE Prior to Close Missing The guidelines require a verification of employment for each borrower. When the borrower is self-employed, a verification dated within 120 calendar days prior to the note date is required. The Borrower owns 2 businesses: XXX and XXX. The loan file contained proof XXX was still active on XX/XX/XXXX. The loan file contained proof XXXwas active; however, the document was not dated. |
| 84065 |  | XXX | XXX | XXX | FCRE1479 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/05/2026 | Asset 1 Does Not Meet Guideline Requirements | Credit | Resolved | 02/19/2026 | 1 | Asset 1 Does Not Meet Guideline Requirements |  | Asset Record 1 Does Not Meet G/L Requirements. DU requires assets to be documented with a verification of deposit or bank statements covering a two-month period. XX/XX/XXXX statment was provided for XXX #XXX. Missing 2nd statement. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Client states: The account in question is not a depository account. Retirement Accounts require only the recent months statement per guidelines.; Asset Record 1 Meets G/L Requirements; Client provided Asset Review Calculator. However, Asset Record 1 Does Not Meet G/L Requirements. DU requires assets to be documented with a verification of deposit or bank statements covering a two-month period. XX/XX/XXXX statment was provided for XXX #XXX. Missing 2nd statement.<br> ; Asset Record 1 Does Not Meet G/L Requirements. DU requires assets to be documented with a verification of deposit or bank statements covering a two-month period. XX/XX/XXXX statment was provided for XXX #XXX. Missing 2nd statement. |
| 84065 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/05/2026 | No Property Findings | Property | Resolved | 02/06/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84065 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/05/2026 | No Compliance Findings | Compliance | Resolved | 02/06/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84332 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/03/2026 | No Credit Findings | Credit | Resolved | 02/05/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84332 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/03/2026 | No Property Findings | Property | Resolved | 02/05/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84332 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/03/2026 | No Compliance Findings | Compliance | Resolved | 02/05/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84353 |  | XXX | XXX | XXX | FCRE1324 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/09/2026 | Borrower 1 Tax Returns Not Signed | Credit | Resolved | 02/19/2026 | 1 | Borrower 1 Tax Returns Not Signed |  | Borrower 1 Tax Returns Not Signed The borrower's 2 years 1040s are not signed (XXX & XXX). The business returns used to qualify are all signed and XXX personal transcripts are provided; therefore, missing signature on XXX 1040. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Borrower 1 Tax Returns Are Signed; Client states: 2023 Tax Returns were esigned with an esignature authorization. Signed 4506-C in file. LM Updated. |
| 84353 |  | XXX | XXX | XXX | FCRE1316 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/09/2026 | Borrower 1 3rd Party VOE Prior to Close Missing | Credit | Resolved | 02/19/2026 | 1 | Borrower 1 3rd Party VOE Prior to Close Missing |  | Borrower 1 3rd Party VOE Prior to Close Missing The borrower's employment has been verified for the main income stream from XXX. However, the borrower owns 50% of 2 other companies that, although they both reflect losses, have not had ownership verified by a third party as required. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Borrower 1 3rd Party VOE Prior to Close Was Provided; Client states: invalid - VOE's not required for negative income XXX. LM Updated.; Borrower 1 3rd Party VOE Prior to Close Missing |
| 84353 |  | XXX | XXX | XXX | FCRE2109 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/09/2026 | Missing Lender Income Calculation Worksheet | Credit | Resolved | 02/19/2026 | 1 | Missing Lender Income Calculation Worksheet |  | The file is missing the Lender's Income Calculation Worksheet for all 3 businesses used to qualify and the 2 REOs. AUS requires FNMA form 1084 or the equivalent. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Client provided XXX Income Worksheet. LM Updated. |
| 84353 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/10/2026 | No Compliance Findings | Compliance | Resolved | 02/10/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 84353 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/10/2026 | No Property Findings | Property | Resolved | 02/10/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 84095 |  | XXX | XXX | XXX | FCRE9785 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/06/2026 | Purchase Contract is Incomplete | Credit | Acknowledged | 02/19/2026 | 2 | Purchase Contract is Incomplete |  | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The bottom of the contract reflected there were 22 pages of the contract. Pages 1-13 were provided with pages 12 and 13 to being signed. Missing all pages to the contract. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Acknowledged by client. ; Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The bottom of the contract reflected there were 22 pages of the contract. Pages 1-13 were provided with pages 12 and 13 to being signed. Missing all pages to the contract. |
| 84095 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/06/2026 | No Compliance Findings | Compliance | Resolved | 02/09/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 84095 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/06/2026 | No Property Findings | Property | Resolved | 02/09/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 84209 |  | XXX | XXX | XXX | FCRE1185 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/06/2026 | AUS Partially Provided | Credit | Resolved | 02/19/2026 | 1 | AUS Partially Provided |  | AUS Partially Provided DU #11 is the most recent submission in file. However, the report is incomplete as missing everything after condition #14. A complete copy of the findings report is required. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | AUS is not incomplete; Complete AUS submission #11 provided; AUS Partially Provided DU #11 is the most recent submission in file. However, the report is incomplete as missing everything after condition #14. A complete copy of the findings report is required. |
| 84209 |  | XXX | XXX | XXX | FCRE7496 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/06/2026 | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Credit | Resolved | 02/19/2026 | 1 | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments |  | The 1008 reflects an other payment of $XXX per month. Documentation verifying the nature of this payment is required. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Special assessment verified. |
| 84209 |  | XXX | XXX | XXX | FCRE7497 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/06/2026 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Credit | Resolved | 02/19/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property |  | Documentation is required verifying if there is an HOA fee obligation on the REO at XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Verified, no HOA XXX |
| 84209 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/05/2026 | No Compliance Findings | Compliance | Resolved | 02/09/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84209 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/06/2026 | No Property Findings | Property | Resolved | 02/09/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84059 |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/10/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/24/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). provide documentation to show the borrower received a copy of the valuation report at least 3 days prior to consummation | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Acknowledged, accepting 2/B grading. |
| 84059 |  | XXX | XXX | XXX | FCRE5774 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/09/2026 | Borrower 1 Credit Report is Incomplete | Credit | Resolved | 02/19/2026 | 1 | Borrower 1 Credit Report is Incomplete |  | Borrower 1 Credit Report is Partially Present. The final DU submission #10 reflects a joint credit report, dated XX/XX/XXXX with ID number of XXX was used. The joint credit report provided, dated XX/XX/XXXX, is XXX and does not match DU findings. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Borrower 1 Credit Report is not partially present.; Client provided Credit Report with Id XXX. LM Updated. |
| 84059 |  | XXX | XXX | XXX | FCRE1333 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/09/2026 | Borrower 1 WVOE Missing | Credit | Resolved | 02/19/2026 | 1 | Borrower 1 WVOE Missing |  | Borrower 1 WVOE Missing A WVOE was provided for B1, verified on XX/XX/XXXX; however, all pages were not provided. Pages 1,2,12 were provided of the 12 page WVOE. The current paystub is provided dated XX/XX/XXXX and does not reflect 30 days of earnings. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Borrower 1 WVOE Provided; Client provided WVOE dated XX/XX/XXXX reflects all pages and Ytd income for 2025 and current paystub is provided dated XX/XX/XXXX. LM Updated. |
| 84059 |  | XXX | XXX | XXX | FCRE1347 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/09/2026 | Borrower 2 3rd Party VOE Prior to Close Missing | Credit | Resolved | 02/19/2026 | 1 | Borrower 2 3rd Party VOE Prior to Close Missing |  | Borrower 2 3rd Party VOE Prior to Close Missing A verbal verification of employment was provided for B2, dated XX/XX/XXXX; however, the verification reflects the Borrower has ownership in the business. The final 1003 does not reflect any ownership. Provide clarification of any ownership in business. Other conditions may apply. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2); Client states: Borrower is not part owner and is a wage earner as per the Truwork VOE already provided. LM Updated. |
| 84059 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/09/2026 | No Property Findings | Property | Resolved | 02/10/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 83940 |  | XXX | XXX | XXX | FCRE0377 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/06/2026 | The Total Hazard Coverage is LESS than the Required Coverage Amount | Credit | Resolved | 02/19/2026 | 1 | The Total Hazard Coverage is LESS than the Required Coverage Amount |  | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). HOI policy in file reflects $XXX Dwelling Coverage - Homeowners. Unable to locate replacement cost estimator in file. Loan amount is $XXXXX. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Client states: The EOI was sent to Grace prior - attached below for your reference. The invoice was not available until today so I have attached this here now. The RCE is internal and not available for distribution however as noted below verbiage on page 3 under "Important Notices" shows the coverage is sufficient due to the loss settlement clause. LM Updated.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount |
| 83940 |  | XXX | XXX | XXX | FCRE1159 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/06/2026 | Hazard Insurance Effective Date is after the Disbursement Date | Credit | Acknowledged | 02/19/2026 | 2 | Hazard Insurance Effective Date is after the Disbursement Date |  | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. HOI policy in file reflects effective date of XX/XX/XXXX, after the disbursement date XX/XX/XXXX reflected on Final CD in file. HOI was not active at time of funding. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Client provided Letter of Attestation stating: I, XXX, XXX, hereby attest to the following: Between the dates of XX/XX/XXXX (Closing) and XX/XX/XXXX(effective date of insurance), XXX has not been notified or made aware of any insurance claims against the property by the consumer or applicable third party. As of XX/XX/XXXX the insurance policy became effective and remains in effect until its stated expiration date of XX/XX/XXXX.<br>|
| 83940 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/06/2026 | No Property Findings | Property | Resolved | 02/10/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 83940 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/09/2026 | No Compliance Findings | Compliance | Resolved | 02/10/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 83977 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/10/2026 | No Property Findings | Property | Resolved | 02/11/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 83977 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/11/2026 | No Compliance Findings | Compliance | Resolved | 02/11/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 83977 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/11/2026 | No Credit Findings | Credit | Resolved | 02/11/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 84055 |  | XXX | XXX | XXX | FCRE5116 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/12/2026 | Missing VOM or VOR | Credit | Resolved | 02/27/2026 | 1 | Missing VOM or VOR |  | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing current 12 month housing history. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client states: Not required per AUS. Verified. LM Updated. |
| 84055 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/12/2026 | No Property Findings | Property | Resolved | 02/13/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84055 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/12/2026 | No Compliance Findings | Compliance | Resolved | 02/13/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 83971 |  | XXX | XXX | XXX | FCOM5135 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/10/2026 | Missing Required Affiliated Business Disclosure | Compliance | Acknowledged | 02/24/2026 | 2 | Missing Required Affiliated Business Disclosure |  | Required Affiliated Business Disclosure Missing Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates.<br>| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Acknowledged, accepting 2/B grading. |
| 83971 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/10/2026 | No Credit Findings | Credit | Resolved | 02/11/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 83971 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/10/2026 | No Property Findings | Property | Resolved | 02/11/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84125 |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/12/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/24/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Showing evidence the borrowers received the appraisal at least 3 business days prior to consummation, XX/XX/XXXX, may cure the violation. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Acknowledged, accepting 2/B grading. |
| 84125 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/10/2026 | No Property Findings | Property | Resolved | 02/12/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 84153 |  | XXX | XXX | XXX | FCOM5135 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/12/2026 | Missing Required Affiliated Business Disclosure | Compliance | Acknowledged | 02/24/2026 | 2 | Missing Required Affiliated Business Disclosure |  | Required Affiliated Business Disclosure Missing | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Acknowledged, accepting 2/B grading. |
| 84153 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/13/2026 | No Credit Findings | Credit | Resolved | 02/16/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 84153 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/13/2026 | No Property Findings | Property | Resolved | 02/16/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 84188 |  | XXX | XXX | XXX | FCOM3849 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/12/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/24/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). The document provided page XXX indicates that the borrower either received, or chose to waive the right to receive the appraisal at least 3 days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Acknowledged, accepting 2/B grading. |
| 84188 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/13/2026 | No Credit Findings | Credit | Resolved | 02/16/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84188 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/13/2026 | No Property Findings | Property | Resolved | 02/16/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84131 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/16/2026 | No Credit Findings | Credit | Resolved | 02/17/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% |  | Closed | Informational |
| 84131 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/16/2026 | No Property Findings | Property | Resolved | 02/17/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% |  | Closed | Informational |
| 84131 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/16/2026 | No Compliance Findings | Compliance | Resolved | 02/17/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% |  | Closed | Informational |
| 84238 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/13/2026 | No Compliance Findings | Compliance | Resolved | 02/17/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 84238 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/13/2026 | No Credit Findings | Credit | Resolved | 02/17/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 84238 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/13/2026 | No Property Findings | Property | Resolved | 02/17/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 84294 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/16/2026 | No Compliance Findings | Compliance | Resolved | 02/17/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 84294 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/16/2026 | No Property Findings | Property | Resolved | 02/17/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 84294 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/17/2026 | No Credit Findings | Credit | Resolved | 02/17/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 84248 |  | XXX | XXX | XXX | FCRE7497 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/17/2026 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Credit | Resolved | 02/27/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property |  | Provide the mortgage statement for XXX #XXX to verify the PITI payment for XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Client provided Credit Report to reflect P&I, XXX Detail Report for taxes, HOA statement and LOE stating: There is no Home owners insurance on XXX. LM Updated. |
| 84248 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/16/2026 | No Compliance Findings | Compliance | Resolved | 02/17/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84248 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/16/2026 | No Property Findings | Property | Resolved | 02/17/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84191 |  | XXX | XXX | XXX | FCRE9785 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/17/2026 | Purchase Contract is Incomplete | Credit | Acknowledged | 02/24/2026 | 2 | Purchase Contract is Incomplete |  | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The final Closing Disclosure (CD) reflects seller contributions of $XXX that are not reflected on the sales contract. An addendum to the contract reflecting the seller contributions is required. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Acknowledged, accepting 2/B grading. |
| 84191 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/16/2026 | No Property Findings | Property | Resolved | 02/17/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84191 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/17/2026 | No Compliance Findings | Compliance | Resolved | 02/17/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84116 |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/17/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/24/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Cure - Provide evidence consumer received a copy of the appraisal 3 days prior to consummation XX/XX/XXXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Acknowledged, accepting 2/B grading. |
| 84116 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/16/2026 | No Property Findings | Property | Resolved | 02/17/2026 | 1 | No Property Findings |  | No property findings. Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84116 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/17/2026 | No Credit Findings | Credit | Resolved | 02/17/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84385 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/16/2026 | No Property Findings | Property | Resolved | 02/18/2026 | 1 | No Property Findings |  | No property finding. Property and valuations related findings were not identified on the loan. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84385 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/16/2026 | No Credit Findings | Credit | Resolved | 02/18/2026 | 1 | No Credit Findings |  | No credit findings. The loan meets all applicable credit guidelines. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84385 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/17/2026 | No Compliance Findings | Compliance | Resolved | 02/18/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84280 |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/17/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/24/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date XX/XX/XXXX is required, but missing from the file. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Acknowledged, accepting 2/B grading. |
| 84280 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/16/2026 | No Credit Findings | Credit | Resolved | 02/18/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84280 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/16/2026 | No Property Findings | Property | Resolved | 02/18/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84069 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/16/2026 | No Credit Findings | Credit | Resolved | 02/18/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84069 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/16/2026 | No Property Findings | Property | Resolved | 02/18/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84069 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/17/2026 | No Compliance Findings | Compliance | Resolved | 02/18/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84394 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Property Findings | Property | Resolved | 02/23/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84394 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Credit Findings | Credit | Resolved | 02/23/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84394 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | No Compliance Findings | Compliance | Resolved | 02/23/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84199 |  | XXX | XXX | XXX | FCRE9785 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | Purchase Contract is Incomplete | Credit | Acknowledged | 02/24/2026 | 2 | Purchase Contract is Incomplete |  | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete The final Closing Disclosure (CD) reflects earnest money of $XXX. The file contains a contract addendum reflecting earnest money of only $XXX. Per LOE in file, the additional $XXX was a lease credit. The purchase contract does not reflect this lease credit. An addendum to the contract reflecting the credit is required. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Acknowledged, accepting 2/B grading. |
| 84199 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | No Compliance Findings | Compliance | Resolved | 02/23/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84199 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | First Time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | No Property Findings | Property | Resolved | 02/23/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84108 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Property Findings | Property | Resolved | 02/23/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84108 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Credit Findings | Credit | Resolved | 02/23/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84108 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | No Compliance Findings | Compliance | Resolved | 02/23/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 83936 |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/24/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date is required, but missing from the file. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Acknowledged, accepting 2/B grading. |
| 83936 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Credit Findings | Credit | Resolved | 02/23/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 83936 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Property Findings | Property | Resolved | 02/23/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% |  | Closed | Informational |
| 84235 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Credit Findings | Credit | Resolved | 02/23/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 84235 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | No Compliance Findings | Compliance | Resolved | 02/23/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 84235 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | No Property Findings | Property | Resolved | 02/23/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% |  | Closed | Informational |
| 84135 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Property Findings | Property | Resolved | 02/23/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84135 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Credit Findings | Credit | Resolved | 02/23/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84135 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | No Compliance Findings | Compliance | Resolved | 02/23/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84005 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Credit Findings | Credit | Resolved | 02/23/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84005 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Property Findings | Property | Resolved | 02/23/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84005 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | No Compliance Findings | Compliance | Resolved | 02/23/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84106 |  | XXX | XXX | XXX | FCRE7497 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Credit | Resolved | 02/26/2026 | 1 | Missing verification of taxes, insurance, and/or HOA fees for non-subject property |  | Missing evidence of source documents for $XXX escrow or HOA payment for property located at XXX. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Client provided XXX statement reflecting $XXX per unit HOA. LM Updated. |
| 84106 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Property Findings | Property | Resolved | 02/23/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84106 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | No Compliance Findings | Compliance | Resolved | 02/23/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84279 |  | XXX | XXX | XXX | FCRE1296 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | Income 5 Months Income Verified is Missing | Credit | Resolved | 02/27/2026 | 1 | Income 5 Months Income Verified is Missing |  | Income 5 Months Income Verified is Missing Missing evidence of tax payment for property located at XXX<br> . | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Income 5 Months Income Verified is Present Or Not Applicable; Client provided Property Detail Report for XXX taxes. LM Updated. |
| 84279 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Property Findings | Property | Resolved | 02/23/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84279 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | No Compliance Findings | Compliance | Resolved | 02/23/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84082 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Credit Findings | Credit | Resolved | 02/23/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 84082 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Property Findings | Property | Resolved | 02/23/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 84082 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | No Compliance Findings | Compliance | Resolved | 02/23/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 84175 |  | XXX | XXX | XXX | FCOM8997 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | No Compliance Findings | Compliance | Resolved | 02/23/2026 | 1 | No Compliance Findings |  | The loan is in compliance with all applicable laws and regulations. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84175 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | No Credit Findings | Credit | Resolved | 02/23/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84175 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Rate Term Refinance Borrower Initiation | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | No Property Findings | Property | Resolved | 02/23/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX |  | Closed | Informational |
| 84081 |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/24/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date is required, but missing from the file. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% |  | Closed | Acknowledged, accepting 2/B grading. |
| 84081 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Credit Findings | Credit | Resolved | 02/23/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 84081 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Limited Cash Out (GSE Definition) | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Property Findings | Property | Resolved | 02/23/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX% is less than Guideline CLTV of 89.99% |  | Closed | Informational |
| 83931 |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/24/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least 3 days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least 3 days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. |  | Closed | Acknowledged, accepting 2/B grading. |
| 83931 |  | XXX | XXX | XXX | FCOM5135 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | Missing Required Affiliated Business Disclosure | Compliance | Acknowledged | 02/24/2026 | 2 | Missing Required Affiliated Business Disclosure |  | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide proof that the Affiliated Business Disclosure was provided prior to closing or provide confirmation that the lender has no affiliates. |  | Closed | Acknowledged, accepting 2/B grading. |
| 83931 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Credit Findings | Credit | Resolved | 02/23/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. |  |  | Closed | Informational |
| 83931 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/20/2026 | No Property Findings | Property | Resolved | 02/23/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. |  |  | Closed | Informational |
| 84387 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | No Property Findings | Property | Resolved | 02/25/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Closed | Informational |
| 84387 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/23/2026 | No Credit Findings | Credit | Resolved | 02/25/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Closed | Informational |
| 84387 |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Other than first time Home Purchase | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/25/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/25/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception. Evidence confirming a copy of the appraisal was provided to the consumer at least 3 business days prior to the consummation date is required, but missing from the file. | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception. Evidence confirming a copy of the appraisal was provided to the consumer at least 3 business days prior to the consummation date is required, but missing from the file. |  | Closed | Acknowledged, accepting 2/B grading. |
| 84038 |  | XXX | XXX | XXX | FPRO8998 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/24/2026 | No Property Findings | Property | Resolved | 02/25/2026 | 1 | No Property Findings |  | Property and valuations related findings were not identified on the loan. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84038 |  | XXX | XXX | XXX | FCRE8999 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/25/2026 | No Credit Findings | Credit | Resolved | 02/25/2026 | 1 | No Credit Findings |  | The loan meets all applicable credit guidelines. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Informational |
| 84038 |  | XXX | XXX | XXX | FCOM3849 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/25/2026 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | Compliance | Acknowledged | 02/25/2026 | 2 | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) |  | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Please provide evidence Borrower received Appraisal within required 3 days prior to consummation. | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Acknowledged, accepting 2/B grading. |
| 84038 |  | XXX | XXX | XXX | FCOM5135 | XXXXX | Cash Out: Other/Multi purpose Unknown Purpose | Primary Residence | XX/XX/XXXX |  | XXX | XXXXXX | Loan Review Complete | 02/25/2026 | Missing Required Affiliated Business Disclosure | Compliance | Acknowledged | 02/25/2026 | 2 | Missing Required Affiliated Business Disclosure |  | Required Affiliated Business Disclosure Missing | Borrower has stable job time - Borrower has XXX years on job. |  | Closed | Acknowledged, accepting 2/B grading. |

---

## Exhibit 99.3

---

| | |
|:---|:---|
| **Alternate Loan Number** | **Client Loan Number** |
| 84061 | D<br> A |
| 84240 | A |
| 84287 | A<br> B<br> C |
| 84004 | A |
| 84047 | A |
| 84034 | D<br> B<br> C |
| 84092 | A<br> B |
| 84076 | A |
| 84149 | D<br> A<br> C |
| 84341 | C<br> B<br> A |
| 84211 | A<br> C |
| 84193 | A |
| 84201 | A |
| 84379 | A |
| 84065 | D<br> A |
| 84332 | A |
| 84353 | D<br> A |
| 84095 | D<br> B<br> A |
| 84209 | D<br> A |
| 84059 | D<br> A<br> B |
| 83940 | C<br> B<br> A |
| 83977 | A |
| 84055 | D<br> A |
| 83971 | A<br> B |
| 84125 | C<br> A<br> B |
| 84153 | A<br> B |
| 84188 | A<br> B |
| 84131 | A |
| 84238 | A |
| 84294 | A |
| 84248 | D<br> A |
| 84191 | B<br> A |
| 84116 | A<br> B |
| 84385 | A |
| 84280 | A<br> B |
| 84069 | A |
| 84394 | A |
| 84199 | B<br> A |
| 84108 | A |
| 83936 | A<br> B |
| 84235 | A |
| 84135 | A |
| 84005 | A |
| 84106 | D<br> A |
| 84279 | C<br> A |
| 84082 | A |
| 84175 | A |
| 84081 | A<br> B |
| 83931 | A<br> B |
| 84387 | A<br> B |
| 84038 | A<br> B |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Alternate Loan Number** | **Guidelines** | **Bank Statement Type** | **Bank Statement Indicator** | **Total Months of Bank statements** | **Bank Statement Income** | **Profit Loss Indicator** | **DSCR** | **DSCR Qualifying Income** | **DSCR Operating Expense** | **DSCR Guideline Comparison** | **DSCR Ratio Output** | **Qualifying Payment Considered** | **Subject Property Address** | **City** | **State** | **Zip** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Income Document Detail** | **Expense Ratio (Only Bank Statement)** | **Percent of Business Ownership (Bank Statement loans)** | **Months P&L (Bank Statement Loans)** | **Short Term Rental Flag** | **Agency ID** | **AUS Decision System** | **Rating Result** |
| 84061 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84353 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84149 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84131 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No | LP | Accept Ineligible |
| 84004 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84341 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84287 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84379 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84211 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84394 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84065 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84059 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | Yes | DU | Approve Eligible |
| 84095 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84240 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | LP | Accept Ineligible |
| 83940 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No | LP | Accept Ineligible |
| 84047 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84193 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | LP | Accept Ineligible |
| 84199 | General Agency Program |  |  |  | 0.00 | Yes | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84201 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84385 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | Retirement Income Doc Verified |  |  |  | No | No | DU | Approve Ineligible |
| 84280 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | LP | Accept Ineligible |
| 84108 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 83936 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84209 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84235 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | Yes | LP | Accept Eligible |
| 83977 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84069 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84238 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84135 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84005 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | LP | Accept Ineligible |
| 84106 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84279 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84082 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84294 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84248 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | Yes | DU | Approve Eligible |
| 84387 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84055 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84034 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84332 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84191 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No | LP | Accept Ineligible |
| 84175 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84092 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 83971 | General Agency Program |  |  |  | 0.00 | Yes | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No | LP | Accept Ineligible |
| 84076 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84153 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84081 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84038 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 1YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84116 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 84188 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |
| 83931 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | Yes | DU | Approve Eligible |
| 84125 | General Agency Program |  |  |  | 0.00 |  | No |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  | 2YR Full Doc |  |  |  | No | No | DU | Approve Ineligible |

---

## Exhibit 99.3

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Alternate Loan Number** | **Field ID** | **Original Field Value** | **Audit Value** | **Data Compare** |
| 84240 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 84004 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 84047 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 84034 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 84092 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 84341 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 84095 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 83940 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 83971 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 84188 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 84248 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 84191 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 84385 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 84199 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 83936 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 84135 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 84279 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 84175 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 83931 | Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 84387 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |
| 84038 | QM Qualifying Total Debt Income Ratio | XXX | XXX | FALSE |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Origination Values**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **Other**<br> &nbsp;&nbsp;&nbsp;&nbsp; | **AUS Information** | **AUS Information** |
| <br>**Alternate Loan Number** | <br>**Original Loan Amount** | <br>**Sales Price** | <br>**Value for LTV** | <br>**LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CUScore** | **R&W Eligible** |
| 84061 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | -0.45% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Not Eligible |
| 84240 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 84287 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1073 Individual Condo Report |  |  |  | XX/XX/XXXX | XXX | XXX | -3.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 84004 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | -6.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | Not Eligible |
| 84047 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 84034 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1073 Individual Condo Report |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |
| 84092 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | -3.72% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Eligible |
| 84076 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | -1.03% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 84149 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR | XX/XX/XXXX | XXX | 1004 URAR | XX/XX/XXXX | XXX | XXX | -29.40% |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | -7.89% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |
| 84341 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | -7.42% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |
| 84211 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | -1.03% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | Not Eligible |
| 84193 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | -6.18% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Not Eligible |
| 84201 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 84379 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | -1.06% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Not Eligible |
| 84065 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 84332 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | -8.54% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 84353 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 84095 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | -11.22% | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Not Eligible |
| 84209 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1073 Individual Condo Report |  |  |  | XX/XX/XXXX | XXX | XXX | 3.06% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 84059 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Not Eligible |
| 83940 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 1.03% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | Not Eligible |
| 83977 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Not Eligible |
| 84055 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 83971 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Not Eligible |
| 84125 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | 0.52% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Not Eligible |
| 84153 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  | XX/XX/XXXX | XXX | XXX | -3.06% | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Not Eligible |
| 84188 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | -1.11% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Eligible |
| 84131 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | 9.02% | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Not Eligible |
| 84238 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 84294 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1073 Individual Condo Report |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | Not Eligible |
| 84248 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 84191 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | Not Eligible |
| 84116 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 84385 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| 84280 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | -1.07% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Not Eligible |
| 84069 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 84394 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | -3.22% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Not Eligible |
| 84199 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | -40.07% | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Eligible |
| 84108 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Not Eligible |
| 83936 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1004D | XX/XX/XXXX | XXX | XXX | 0.00% | 1.1 | Eligible |
| 84235 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| 84135 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 84005 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | -5.35% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Not Eligible |
| 84106 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 84279 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 84082 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 84175 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXX | -8.57% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 84081 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 83931 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 84387 | XXXXXX | XXX | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 84038 | XXXXXX |  | XXX | XX.XX% | XX/XX/XXXX | XXX | 1004 URAR |  |  |  | XX/XX/XXXX | XXX | XXX | -5.93% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Not Eligible |

---

<br>