# EDGAR Filing Document

**Accession Number:** 0002109909
**File Stem:** 0001213900-26-048563
**Filing Date:** 2026-4
**Character Count:** 1978056
**Document Hash:** d49fdaca1fdcb1d70d59d12899661902
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-048563.hdr.sgml**: 20260428

**ACCESSION NUMBER**: 0001213900-26-048563

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

**PUBLIC DOCUMENT COUNT**: 55

**CONFORMED PERIOD OF REPORT**: 20260428

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

**FILED AS OF DATE**: 20260428

**DATE AS OF CHANGE**: 20260428

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-NQM6 LLC
- **CENTRAL INDEX KEY:** 0002109909

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08466
- **FILM NUMBER:** 26908148

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-NQM6 LLC
- **CENTRAL INDEX KEY:** 0002109909

**ORGANIZATION NAME:**
- **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:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-NQM6 LLC
- **CENTRAL INDEX KEY:** 0002109909

**ORGANIZATION NAME:**
- **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:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003

OMB Number: 3235-0675

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

**FORM ABS-15G**

**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 filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of sponsor: <u>0002109909</u>

NEW RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM6

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

Central Index Key Number of issuing entity (if applicable): <u>Not applicable</u>

Central Index Key Number of underwriter (if applicable): <u>Not applicable</u>

Philip Sivin, 212-798-6100

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

**FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

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

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

**SIGNATURES**

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

---

| | | | | |
|:---|:---|:---|:---|:---|
|  |  | NEW RESIDENTIAL FUNDING 2026-NQM6 LLC | NEW RESIDENTIAL FUNDING 2026-NQM6 LLC | NEW RESIDENTIAL FUNDING 2026-NQM6 LLC |
| Date: | April 28, 2026 | By: | /s/ Nicola Santoro, Jr. | /s/ Nicola Santoro, Jr. |
|  |  |  | Name: | Nicola Santoro, Jr. |
|  |  |  | Title: | Chief Financial Officer |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report - Infinity Executive Summary](ea028800301_ex99-1.htm)

[Schedule 1 – Valuation Report](ea028800301_ex99-1sch1.htm)

[Schedule 2 – Rating Agency Grades Report](ea028800301_ex99-1sch2.htm)

[Schedule 3 – Data Compare](ea028800301_ex99-1sch3.htm)

[Schedule 4 – Loan Level Exception Report](ea028800301_ex99-1sch4.htm)

[Schedule 5 – Individual Exception Report](ea028800301_ex99-1sch5.htm)

[99.2 - Third Party Due Diligence Report - Opus Executive Summary](ea028800301_ex99-2.htm)

[Schedule 1 – Valuation Report](ea028800301_ex99-2sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea028800301_ex99-2sch2.htm)

[Schedule 3 – Business Purpose Supplemental Extract](ea028800301_ex99-2sch3.htm)

[Schedule 4 – Standard Findings Report](ea028800301_ex99-2sch4.htm)

[Schedule 5 – Data Compare](ea028800301_ex99-2sch5.htm)

[Schedule 6 – ATR QM Report](ea028800301_ex99-2sch6.htm)

[99.3 - Third Party Due Diligence Report – Clayton Executive Summary](ea028800301_ex99-3.htm)

[Schedule 1 – Valuations Summary](ea028800301_ex99-3sch1.htm)

[Schedule 2 – Non ATR QM Report](ea028800301_ex99-3sch2.htm)

[Schedule 3 – Conditions Detail](ea028800301_ex99-3sch3.htm)

[Schedule 4 – Rating Agency ATR QM Report](ea028800301_ex99-3sch4.htm)

[Schedule 5 – Loan Level Tape Compare](ea028800301_ex99-3sch5.htm)

[Schedule 6 – Loan Grades](ea028800301_ex99-3sch6.htm)

[99.4 - Third Party Due Diligence Report – AMC Executive Summary](ea028800301_ex99-4.htm)

[Schedule 1 – Valuation Summary](ea028800301_ex99-4sch1.htm)

[Schedule 2 – Business Purpose Report](ea028800301_ex99-4sch2.htm)

[Schedule 3 – Rating Agency Grades](ea028800301_ex99-4sch3.htm)

[Schedule 4 – Data Compare](ea028800301_ex99-4sch4.htm)

[Schedule 5 – Exception Grades](ea028800301_ex99-4sch5.htm)

[99.5 - Third Party Due Diligence Report - Canopy Executive Summary](ea028800301_ex99-5.htm)

[Schedule 1 – Valuation Report](ea028800301_ex99-5sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea028800301_ex99-5sch2.htm)

[Schedule 3 – Rating Agency Grades Detail](ea028800301_ex99-5sch3.htm)

[Schedule 4 – ATR QM Report](ea028800301_ex99-5sch4.htm)

[Schedule 5 – Data Compare](ea028800301_ex99-5sch5.htm)

[99.6 - Third Party Due Diligence Report – Consolidated Analytics Executive Summary](ea028800301_ex99-6.htm)

[Schedule 1 – Rating Agency Grades Report](ea028800301_ex99-6sch1.htm)

[Schedule 2 – Due Diligence Report](ea028800301_ex99-6sch2.htm)

[Schedule 3 – Valuations Report](ea028800301_ex99-6sch3.htm)

[Schedule 4 – Data Compare](ea028800301_ex99-6sch4.htm)

## Exhibit 99.1

**Exhibit 99.1**

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![](ex99-1_002.jpg)

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![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**NRMLT 2026-NQM6**

**April 23, 2026**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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![](ex99-1_002.jpg)

**TABLE OF CONTENTS**

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---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 16.0 |
| Tape Integrity Review Results Summary | 17.0 |
| Additional Loan Population Summary | 17.0 |

---

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![](ex99-1_002.jpg)

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

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![](ex99-1_002.jpg)

**DESESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Rithm Capital Corp. ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of three hundred eight (308) mortgage loans that were originally reviewed from February 2026 to March 2026.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Compliance Review" 162<sup>1</sup> Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Credit Review" 308 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Property Review" 308 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Data Integrity" 308 Mortgage Loans

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

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

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

For three hundred eight (308) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Look back Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

<sup>1</sup> one hundred forty-six (146) exempt loans were not subject to a compliance review and did not receive a compliance grade.

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![](ex99-1_002.jpg)

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

Infinity conducted a credit review for three hundred eight (308) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

There were 20 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

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

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

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

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

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Infinity. During the course of this review, Infinity (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (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.

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

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

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

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

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

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

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![](ex99-1_002.jpg)

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for one hundred fourteen (114) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for three hundred eight (308) mortgage loans. For these three hundred eight (308) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

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![](ex99-1_002.jpg)

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

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

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

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

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

Infinity completed a Compliance Review on one hundred sixty-two (162) mortgage loans. one hundred forty-six (146) exempt loans were not subject to a compliance review and did not receive a compliance grade. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs
provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

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

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

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations.

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This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

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

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency, LLC ("KBRA").

**OVERALL RESULTS SUMMARY (308 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers three hundred eight (308) mortgage loans. Within those mortgage loans, Infinity graded two hundred eighty-five (285) mortgage loans as "A" and twenty-three (23) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;162 | &nbsp;&nbsp;287 | &nbsp;&nbsp;305 | &nbsp;&nbsp;285 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;3 | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;93.18% | &nbsp;&nbsp;99.03% | &nbsp;&nbsp;92.53% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6.82% | &nbsp;&nbsp;0.97% | &nbsp;&nbsp;7.47% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;162 | &nbsp;&nbsp;287 | &nbsp;&nbsp;305 | &nbsp;&nbsp;285 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;3 | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;93.18% | &nbsp;&nbsp;99.03% | &nbsp;&nbsp;92.53% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;6.82% | &nbsp;&nbsp;0.97% | &nbsp;&nbsp;7.47% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

16 \| P a g e

 ****

![](ex99-1_002.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (308 MORTGAGE LOANS)**

Of the three hundred eight (308) mortgage loans reviewed, 19 (6.17%) mortgage loans had tape discrepancies across three (3) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;308 | &nbsp;&nbsp;1.62% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;308 | &nbsp;&nbsp;0.32% |
| &nbsp;&nbsp;Residual Income | &nbsp;&nbsp;13 | &nbsp;&nbsp;308 | &nbsp;&nbsp;4.22% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (308 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;308 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$149945712.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**308** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$149945712.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;308 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$149945712.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**308** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$149945712.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi- purpose/Unknown | &nbsp;&nbsp;93 | &nbsp;&nbsp;30.19% | &nbsp;&nbsp;$38744836.00 | &nbsp;&nbsp;25.84% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;24 | &nbsp;&nbsp;7.79% | &nbsp;&nbsp;$11807419.00 | &nbsp;&nbsp;7.87% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;149 | &nbsp;&nbsp;48.38% | &nbsp;&nbsp;$75824789.00 | &nbsp;&nbsp;50.57% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;42 | &nbsp;&nbsp;13.64% | &nbsp;&nbsp;$23568668.00 | &nbsp;&nbsp;15.72% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**308** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$149945712.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;24 | &nbsp;&nbsp;7.79% | &nbsp;&nbsp;$17504431.00 | &nbsp;&nbsp;11.67% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;284 | &nbsp;&nbsp;92.21% | &nbsp;&nbsp;$132441281.00 | &nbsp;&nbsp;88.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**308** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$149945712.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

 ****

![](ex99-1_002.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;147 | &nbsp;&nbsp;47.73% | &nbsp;&nbsp;$91724232.00 | &nbsp;&nbsp;61.17% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;13 | &nbsp;&nbsp;4.22% | &nbsp;&nbsp;$6043400.00 | &nbsp;&nbsp;4.03% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;148 | &nbsp;&nbsp;48.05% | &nbsp;&nbsp;$52178080.00 | &nbsp;&nbsp;34.80% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**308** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$149945712.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;Correspondent SmartSelf Product Profile 7-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartSelf Bank Statement, 1099 and P&L Product Summary 7-24-25.pdf |
| &nbsp;&nbsp;RTL DTC JV WHL SmartVest Product Summary (9.25.2025 v25.12).docx |
| &nbsp;&nbsp;RTL JV DTC WHL SmartEdge Product Summary (9.25.2025 v25.8).docx |
| &nbsp;&nbsp;SmartEdge Product Profile Correspondent 1-29-26.pdf |
| &nbsp;&nbsp;SmartEdge Product Profile Correspondent 8-28-25.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary 1-22-26.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary 2-26-26.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary 1-22-26.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary 2-26-26.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary Newrez 9-25-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary - Correspondent 8-28-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary Correspondent 1-29-26.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary_Correspondent 10-17-24.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 1-22-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 1-2-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 1-29-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 2-26-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 9-5-25 - Newrez.pdf |
| &nbsp;&nbsp;SmartVest Product Summary Correspondent 8-28-25.pdf |

---

18 \| P a g e

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| 2 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 5 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 6 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 4.5 |
| 8 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 10 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.3 |
| 14 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | XXXX | -4.070% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 27 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.8 |
| 30 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 33 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 46 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 48 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.1 |
| 49 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 52 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 54 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 2.4 |
| 57 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.5 |
| 60 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.6 |
| 61 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 65 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 70 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 72 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 4.8 |
| 73 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.8 |
| 74 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.9 |
| 76 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.6 |
| 77 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.3 |
| 82 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.4 |
| 84 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | XXXX | 2.381% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.381% | XXXX | XX/XX/XXXX | No | 4 | 3.2 |
| 85 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | XXXX | -2.581% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.3 |
| 86 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.4 |
| 88 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.4 |
| 89 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.5 |
| 90 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 93 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.8 |
| 95 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 97 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 98 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.3 |
| 99 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.1 |
| 114 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 118 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 124 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.6 |
| 128 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 131 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 132 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 133 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | XXXX | 6.107% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 134 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 135 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 143 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX |  |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 2.210% | XXXX | XX/XX/XXXX | No | 5 | 1 |
| 147 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 159 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 163 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 166 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.4 |
| 170 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.1 |
| 176 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 197 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 198 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 4.1 |
| 199 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 201 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 204 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.125% | XXXX | XX/XX/XXXX | Yes | 1 | 1 |
| 206 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | XXXX | -2.723% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1 |
| 207 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.2 |
| 209 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 212 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | XXXX | -7.895% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 214 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.1 |
| 217 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.5 |
| 219 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 221 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 222 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 225 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 226 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 227 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.6 |
| 228 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.2 |
| 230 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 234 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.2 |
| 235 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 3.8 |
| 236 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 239 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.5 |
| 240 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 4.2 |
| 243 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.5 |
| 245 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 249 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.5 |
| 252 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 253 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.6 |
| 255 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 258 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| 260 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| Dropped from deal | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 261 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 4.2 |
| 264 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.3 |
| 268 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2 |
| 271 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 272 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 3.1 |
| 273 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.1 |
| 275 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.9 |
| 276 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.1 |
| 278 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 283 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.6 |
| 294 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 296 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.4 |
| 297 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.7 |
| 300 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.9 |
| 301 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 304 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.3 |
| 307 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.8 |
| 308 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 310 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 311 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.9 |
| 313 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 314 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.9 |
| 316 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 317 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.6 |
| 318 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.5 |
| 321 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 8.772% | XXXX | XX/XX/XXXX | Yes | Not Applicable | 4.3 |
| 323 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 324 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 325 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 327 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.5 |
| 332 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 333 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.3 |
| 339 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 347 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XX/XX/XXXX | Yes | 2.5 | 3.2 |
| 349 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 357 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 360 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 361 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1.2 |
| 365 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 368 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 3.2 |
| 369 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 371 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 372 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.5 |
| 376 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.6 |
| 377 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.6 |
| 380 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 382 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 383 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 384 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.5 |
| 385 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2 |
| 386 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 387 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 395 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.5 |
| 396 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.8 |
| 402 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 405 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4.1 |
| 407 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 408 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1 |
| 409 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 412 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 413 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX |  |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.639% | XXXX | XX/XX/XXXX | No | Not Applicable | 2.8 |
| 415 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 417 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 420 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 422 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 423 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 424 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.7 |
| 425 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 427 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 4.8 |
| 429 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.5 |
| 432 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 438 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.6 |
| 439 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 441 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 446 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.5 |
| 448 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX |  |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 4 |
| 449 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 452 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.8 |
| 454 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | XXXX | -2.308% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.1 |
| 455 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 457 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.2 |
| 459 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.1 |
| 460 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 462 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 463 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | XXXX | -9.577% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 468 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 470 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.4 |
| 475 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 481 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 483 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 484 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 3.3 |
| 487 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 490 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.7 |
| 493 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 494 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| 496 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.3 |
| 497 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 498 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 499 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.6 |
| 505 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.1 |
| 506 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.3 |
| 514 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.7 |
| 515 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | XXXX | -9.524% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.4 |
| 520 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.206% | XXXX | XX/XX/XXXX | Yes | 2.5 | 1.9 |
| 522 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 525 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 528 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 529 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.4 |
| 530 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.4 |
| 536 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 538 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 540 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 541 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 549 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.8 |
| 552 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.4 |
| 555 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | XXXX | 1.429% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.429% | XXXX | XX/XX/XXXX | Unavailable | 2.5 | 2.5 |
| 556 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 557 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 559 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 561 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | XXXX | -9.859% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.6 |
| 562 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.4 |
| 563 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| 566 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| 567 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.4 |
| 569 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.2 |
| 570 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 571 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.1 |
| 573 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | XXXX | -7.143% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.8 |
| 575 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 576 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 581 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 20.000% | XXXX | XX/XX/XXXX | No | 4.5 | 1 |
| 582 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | XXXX | -1.053% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.5 |
| 586 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 588 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | XXXX | -0.552% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 589 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 592 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1 |
| 597 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 599 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.7 |
| 600 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 602 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | XXXX | -7.534% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 607 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 611 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 612 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.7 |
| 613 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 615 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | XXXX | -1.892% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 616 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.6 |
| 624 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 626 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 627 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX |  |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.493% | XXXX | XX/XX/XXXX | No | Not Applicable | Not Applicable |
| 629 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 5 |
| 634 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.4 |
| 635 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 637 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 644 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 648 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 664 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 666 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.8 |
| 668 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 670 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 671 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.1 |
| 672 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 674 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 677 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2 |
| 678 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.4 |
| 679 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 680 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 681 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 3.2 |
| 683 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.4 |
| 684 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1.6 |
| 687 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 689 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.2 |
| 694 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 696 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 4.1 |
| 697 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 700 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 705 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 706 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 708 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.8 |
| 709 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 710 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 711 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.1 |
| 712 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 713 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.6 |
| 716 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.8 |
| 719 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 721 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 722 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.2 |
| 725 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 726 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 732 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 734 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | XXXX | -8.772% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.7 |
| 736 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 737 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 738 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.3 |
| 739 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.9 |
| 740 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 741 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.5 |
| 742 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.1 |
| 746 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 748 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 749 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 750 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX |  |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 3.000% | XXXX | XX/XX/XXXX | No | Not Applicable | 3.2 |
| 751 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 754 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 755 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1.7 |
| 756 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| 758 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 4.9 |
| 764 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 766 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 768 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 770 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.2 |
| 771 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.6 |
| 772 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.1 |
| 774 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.2 |
| 777 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 778 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3 |
| 784 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 785 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| 787 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.4 |
| 796 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.9 |
| 799 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 803 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 804 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| 672 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 683 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 361 | XXXX | XXXX | XXXX | Arkansas | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 239 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Secondary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 48 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 552 | XXXX | XXXX | XXXX | Georgia | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 255 | XXXX | XXXX | XXXX | Virginia | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 72 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 563 | XXXX | XXXX | XXXX | Kentucky | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 736 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 97 | XXXX | XXXX | XXXX | Maryland | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 588 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 297 | XXXX | XXXX | XXXX | New Jersey | XX/XX/XXXX | Primary | Cash Out A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 522 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 679 | XXXX | XXXX | XXXX | Arizona | XX/XX/XXXX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 711 | XXXX | XXXX | XXXX | New Jersey | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 804 | XXXX | XXXX | XXXX | New Jersey | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 755 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 310 | XXXX | XXXX | XXXX | Utah | XX/XX/XXXX | Investor | Cash Out B | A C B D | C | A C B D | C | A C B D | C | A C B D | C | A C B D | C | A |
| 382 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 46 | XXXX | XXXX | XXXX | Pennsylvania | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 462 | XXXX | XXXX | XXXX | Minnesota | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 413 | XXXX | XXXX | XXXX | Oregon | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 296 | XXXX | XXXX | XXXX | Rhode Island | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 93 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 57 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 209 | XXXX | XXXX | XXXX | New Jersey | XX/XX/XXXX | Primary | Purchase B | A C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| 219 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 349 | XXXX | XXXX | XXXX | Massachusetts | XX/XX/XXXX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 536 | XXXX | XXXX | XXXX | Georgia | XX/XX/XXXX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 163 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 409 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 496 | XXXX | XXXX | XXXX | Virginia | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 722 | XXXX | XXXX | XXXX | Louisiana | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 592 | XXXX | XXXX | XXXX | South Dakota | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 624 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 268 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 380 | XXXX | XXXX | XXXX | Colorado | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 454 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Secondary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 771 | XXXX | XXXX | XXXX | Virginia | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 86 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 540 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 70 | XXXX | XXXX | XXXX | Minnesota | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 84 | XXXX | XXXX | XXXX | Maryland | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 204 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Cash Out A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 199 | XXXX | XXXX | XXXX | Louisiana | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 600 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 321 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 339 | XXXX | XXXX | XXXX | Louisiana | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 60 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 98 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 33 | XXXX | XXXX | XXXX | Pennsylvania | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 253 | XXXX | XXXX | XXXX | Washington | XX/XX/XXXX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 10 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 135 | XXXX | XXXX | XXXX | Maryland | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 556 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 214 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 333 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 627 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 668 | XXXX | XXXX | XXXX | Pennsylvania | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 417 | XXXX | XXXX | XXXX | South Carolina | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 732 | XXXX | XXXX | XXXX | Massachusetts | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 438 | XXXX | XXXX | XXXX | Oregon | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 626 | XXXX | XXXX | XXXX | Alaska | XX/XX/XXXX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 772 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 118 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 463 | XXXX | XXXX | XXXX | Tennessee | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 212 | XXXX | XXXX | XXXX | Wisconsin | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 664 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 347 | XXXX | XXXX | XXXX | Georgia | XX/XX/XXXX | Primary | Cash Out B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 383 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 301 | XXXX | XXXX | XXXX | Colorado | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 734 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 52 | XXXX | XXXX | XXXX | Arkansas | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 114 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 230 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 796 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 5 | XXXX | XXXX | XXXX | Ohio | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 260 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 680 | XXXX | XXXX | XXXX | Virginia | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 8 | XXXX | XXXX | XXXX | Idaho | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 613 | XXXX | XXXX | XXXX | Massachusetts | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 425 | XXXX | XXXX | XXXX | Arizona | XX/XX/XXXX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 520 | XXXX | XXXX | XXXX | Ohio | XX/XX/XXXX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 738 | XXXX | XXXX | XXXX | Minnesota | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 678 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 420 | XXXX | XXXX | XXXX | Indiana | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 134 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 408 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 749 | XXXX | XXXX | XXXX | Tennessee | XX/XX/XXXX | Secondary | Cash Out B | A B | A | A B | A | A B | A | A B | A | A B | A | A B |
| 499 | XXXX | XXXX | XXXX | Minnesota | XX/XX/XXXX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 170 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 402 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 750 | XXXX | XXXX | XXXX | Arizona | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 197 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 131 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 143 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 90 | XXXX | XXXX | XXXX | Oklahoma | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 360 | XXXX | XXXX | XXXX | Rhode Island | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 713 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 222 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 234 | XXXX | XXXX | XXXX | Pennsylvania | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 429 | XXXX | XXXX | XXXX | Nebraska | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 261 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 132 | XXXX | XXXX | XXXX | Oklahoma | XX/XX/XXXX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 670 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 423 | XXXX | XXXX | XXXX | Washington | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 506 | XXXX | XXXX | XXXX | Washington | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 395 | XXXX | XXXX | XXXX | Louisiana | XX/XX/XXXX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 376 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 455 | XXXX | XXXX | XXXX | Pennsylvania | XX/XX/XXXX | Investor | Purchase A | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable |
| 14 | XXXX | XXXX | XXXX | South Carolina | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 484 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Secondary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 99 | XXXX | XXXX | XXXX | Louisiana | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 396 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| Dropped from deal | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 778 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 586 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 412 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 325 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 700 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 549 | XXXX | XXXX | XXXX | Ohio | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 415 | XXXX | XXXX | XXXX | Kansas | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 599 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 372 | XXXX | XXXX | XXXX | Georgia | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 784 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 493 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 559 | XXXX | XXXX | XXXX | Ohio | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 377 | XXXX | XXXX | XXXX | Oregon | XX/XX/XXXX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 407 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 770 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 441 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Cash Out A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 240 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 566 | XXXX | XXXX | XXXX | Connecticut | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 741 | XXXX | XXXX | XXXX | Nevada | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 243 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 611 | XXXX | XXXX | XXXX | Oregon | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 748 | XXXX | XXXX | XXXX | New Jersey | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 697 | XXXX | XXXX | XXXX | Pennsylvania | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 272 | XXXX | XXXX | XXXX | Delaware | XX/XX/XXXX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 696 | XXXX | XXXX | XXXX | Missouri | XX/XX/XXXX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 323 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 82 | XXXX | XXXX | XXXX | Indiana | XX/XX/XXXX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 576 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 368 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 30 | XXXX | XXXX | XXXX | Indiana | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 758 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 227 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 95 | XXXX | XXXX | XXXX | Illinois | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 304 | XXXX | XXXX | XXXX | Kentucky | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 316 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Cash Out B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 371 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 637 | XXXX | XXXX | XXXX | Louisiana | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 226 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 708 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 405 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 308 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 264 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 799 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 787 | XXXX | XXXX | XXXX | Massachusetts | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 228 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 687 | XXXX | XXXX | XXXX | Georgia | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 124 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 313 | XXXX | XXXX | XXXX | Ohio | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 448 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 283 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Refinance A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 65 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 573 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 498 | XXXX | XXXX | XXXX | Indiana | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 460 | XXXX | XXXX | XXXX | Georgia | XX/XX/XXXX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 567 | XXXX | XXXX | XXXX | Indiana | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 737 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 206 | XXXX | XXXX | XXXX | Washington | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 276 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 459 | XXXX | XXXX | XXXX | Colorado | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 133 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 666 | XXXX | XXXX | XXXX | Maryland | XX/XX/XXXX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 689 | XXXX | XXXX | XXXX | Georgia | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 446 | XXXX | XXXX | XXXX | Ohio | XX/XX/XXXX | Primary | Cash Out A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 475 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 235 | XXXX | XXXX | XXXX | Tennessee | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 77 | XXXX | XXXX | XXXX | Oklahoma | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 300 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 198 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 684 | XXXX | XXXX | XXXX | Connecticut | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 88 | XXXX | XXXX | XXXX | Massachusetts | XX/XX/XXXX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 602 | XXXX | XXXX | XXXX | Pennsylvania | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 529 | XXXX | XXXX | XXXX | Ohio | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 538 | XXXX | XXXX | XXXX | Massachusetts | XX/XX/XXXX | Primary | Cash Out A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 589 | XXXX | XXXX | XXXX | New Jersey | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 252 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 176 | XXXX | XXXX | XXXX | Virginia | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 317 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 357 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 768 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Cash Out A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 424 | XXXX | XXXX | XXXX | Massachusetts | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 128 | XXXX | XXXX | XXXX | Indiana | XX/XX/XXXX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 754 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 555 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 166 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 497 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 273 | XXXX | XXXX | XXXX | Arkansas | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 6 | XXXX | XXXX | XXXX | Mississippi | XX/XX/XXXX | Primary | Cash Out B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 677 | XXXX | XXXX | XXXX | Georgia | XX/XX/XXXX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 612 | XXXX | XXXX | XXXX | New Mexico | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 615 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 635 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 629 | XXXX | XXXX | XXXX | Ohio | XX/XX/XXXX | Primary | Purchase B A | A B C D | A | A C B D | A | A C B D | A | A C B D | A | A C B D | A | A C B |
| 439 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 607 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 249 | XXXX | XXXX | XXXX | Utah | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 314 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 764 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 386 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 634 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| 385 | XXXX | XXXX | XXXX | Washington D.C. | XX/XX/XXXX | Secondary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 514 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 716 | XXXX | XXXX | XXXX | Idaho | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 774 | XXXX | XXXX | XXXX | Idaho | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 468 | XXXX | XXXX | XXXX | Washington | XX/XX/XXXX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 332 | XXXX | XXXX | XXXX | Tennessee | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 530 | XXXX | XXXX | XXXX | Nevada | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 61 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 712 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 597 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 384 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 644 | XXXX | XXXX | XXXX | Maine | XX/XX/XXXX | Secondary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 271 | XXXX | XXXX | XXXX | Arkansas | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 225 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 275 | XXXX | XXXX | XXXX | Georgia | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 581 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 159 | XXXX | XXXX | XXXX | Oregon | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 515 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 740 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 705 | XXXX | XXXX | XXXX | Oregon | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 525 | XXXX | XXXX | XXXX | Maryland | XX/XX/XXXX | Investor | Refinance A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 706 | XXXX | XXXX | XXXX | Maryland | XX/XX/XXXX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 487 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 85 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 541 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 710 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 311 | XXXX | XXXX | XXXX | Virginia | XX/XX/XXXX | Secondary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 721 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 483 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 327 | XXXX | XXXX | XXXX | Louisiana | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 245 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 557 | XXXX | XXXX | XXXX | Colorado | XX/XX/XXXX | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 422 | XXXX | XXXX | XXXX | Ohio | XX/XX/XXXX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 2 | XXXX | XXXX | XXXX | Maryland | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 74 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 387 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Refinance B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 318 | XXXX | XXXX | XXXX | Illinois | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 671 | XXXX | XXXX | XXXX | Washington | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 569 | XXXX | XXXX | XXXX | Colorado | XX/XX/XXXX | Primary | Cash Out B A | A B D | A | A D B | A | A D B | A | A D B | A | A D B | A | A D B |
| 751 | XXXX | XXXX | XXXX | Virginia | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 742 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 505 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 582 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 570 | XXXX | XXXX | XXXX | New Hampshire | XX/XX/XXXX | Primary | Cash Out A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 777 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 365 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 236 | XXXX | XXXX | XXXX | Maryland | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 490 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 54 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 674 | XXXX | XXXX | XXXX | Kentucky | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 561 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 258 | XXXX | XXXX | XXXX | Utah | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 494 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 481 | XXXX | XXXX | XXXX | New Jersey | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 73 | XXXX | XXXX | XXXX | Massachusetts | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 528 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 307 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 694 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 681 | XXXX | XXXX | XXXX | Pennsylvania | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 49 | XXXX | XXXX | XXXX | Louisiana | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 427 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 27 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 803 | XXXX | XXXX | XXXX | Tennessee | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 562 | XXXX | XXXX | XXXX | Kentucky | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 457 | XXXX | XXXX | XXXX | South Carolina | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 147 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 207 | XXXX | XXXX | XXXX | New Jersey | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 221 | XXXX | XXXX | XXXX | Massachusetts | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 766 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 449 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 785 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 571 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 432 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 575 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 756 | XXXX | XXXX | XXXX | Utah | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 719 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 201 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 470 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 294 | XXXX | XXXX | XXXX | Georgia | XX/XX/XXXX | Primary | Purchase A | A C | A | A C | A | A C | A | A C | A | A C | A | A |
| 89 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 739 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 648 | XXXX | XXXX | XXXX | Washington | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 369 | XXXX | XXXX | XXXX | Pennsylvania | XX/XX/XXXX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 746 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 709 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 725 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 76 | XXXX | XXXX | XXXX | Oklahoma | XX/XX/XXXX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 726 | XXXX | XXXX | XXXX | Washington D.C. | XX/XX/XXXX | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 278 | XXXX | XXXX | XXXX | Nevada | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 616 | XXXX | XXXX | XXXX | Washington | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 452 | XXXX | XXXX | XXXX | Ohio | XX/XX/XXXX | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |
| 217 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 324 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

**Data Compare**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| 60 | XXXX | XXXX |  | Residual Income | $9705.48 | $10172.52 | $-467.04 | -4.59119% | Total verified monthly income equals $13,187.90, monthly PITIA equals $1,947.02 and all other debts equal $1,535.40. Residual income is $9,705.48. | Initial |
| 65 | XXXX | XXXX |  | Residual Income | $3453.51 | $3692.87 | $-239.36 | -6.48167% | Total verified monthly income equals $6,713.56, monthly net rental income loss equals $0.00 and all other debts equal $3,260.05. Residual income is $3,453.51. | Initial |
| 73 | XXXX | XXXX |  | Residual Income | $9137.47 | $0.00 | $9137.47 |  | Total verified monthly income equals $14,587.55, monthly PITIA equals $5,357.08 and all other debts equal $93.00. Residual income is $9,137.47. | Initial |
| 88 | XXXX | XXXX |  | Residual Income | $6453.95 | $5198.75 | $1255.20 | 24.14426% | Total verified monthly income equals $10,628.06, monthly net rental income loss equals $0.00 and all other debts equal $4,174.11. Residual income is $6,453.95. | Initial |
| 128 | XXXX | XXXX |  | Residual Income | $15147.16 | $7316.27 | $7830.89 | 107.03391% | Total verified monthly income equals $19,674.48, monthly net rental income loss equals $1,879.32 and all other debts equal $2,648.00. Residual income is $15,147.16. | Initial |
| 159 | XXXX | XXXX |  | Residual Income | $4524.55 | $4927.58 | $-403.03 | -8.17906% | Total verified monthly income equals $6,513.48, monthly PITIA equals $1,893.93 and all other debts equal $95.00. Residual income is $4,524.55. | Initial |
| 308 | XXXX | XXXX |  | Residual Income | $54844.36 | $51951.03 | $2893.33 | 5.56934% | Total verified monthly income equals $86,568.61, monthly net rental income loss equals $10,372.09 and all other debts equal $21,352.16. Residual income is $54,844.36. | Initial |
| 316 | XXXX | XXXX |  | Residual Income | $9244.72 | $8600.99 | $643.73 | 7.48437% | Total verified monthly income equals $17,826.00, monthly PITIA equals $5,979.28 and all other debts equal $2,602.00. Residual income is $9,244.72. | Initial |
| 321 | XXXX | XXXX |  | Original Appraised Value | XXXX | XXXX | XXXX | -8.06451% | The Appraisal dated XX/XX/XXXX reflects Original Appraised Value as $XXXX | Initial |
| 347 | XXXX | XXXX |  | Residual Income | $22761.16 | $20408.08 | $2353.08 | 11.53013% | Total verified monthly income equals $35,629.73, monthly PITIA equals $7,276.57 and all other debts equal $5,592.00. Residual income is $22,761.16. | Initial |
| 360 | XXXX | XXXX |  | Original Appraised Value | XXXX | XXXX | XXXX | 0.74626% | The Appraisal dated XX/XX/XXXX reflects Original Appraised Value as $XXXX | Initial |
| 413 | XXXX | XXXX |  | Original Appraised Value | XXXX | XXXX | XXXX | 5.97609% | The Appraisal dated XX/XX/XXXX reflects Original Appraised Value as $XXXX | Initial |
| 422 | XXXX | XXXX |  | Property City | XXXX | XXXX |  |  | The Note dated XX/XX/XXXX reflects Property City as XXXX | Initial |
| 459 | XXXX | XXXX |  | Residual Income | $51737.52 | $49261.84 | $2475.68 | 5.02555% | Total verified monthly income equals $65,067.95, monthly PITIA equals $9,697.43 and all other debts equal $3,633.00. Residual income is $51,737.52. | Initial |
| 522 | XXXX | XXXX |  | Residual Income | $15710.86 | $14330.99 | $1379.87 | 9.62857% | Total verified monthly income equals $23,033.43, monthly PITIA equals $4,829.57 and all other debts equal $2,493.00. Residual income is $15,710.86. | Initial |
| 552 | XXXX | XXXX |  | Residual Income | $18207.03 | $16419.32 | $1787.71 | 10.88784% | Total verified monthly income equals $27,676.00, monthly PITIA equals $8,545.97 and all other debts equal $923.00. Residual income is $18,207.03. | Initial |
| 555 | XXXX | XXXX |  | Original Appraised Value | XXXX | XXXX | XXXX | -1.40845% | The Appraisal dated XX/XX/XXXX reflects Original Appraised Value as $XXXX | Initial |
| 571 | XXXX | XXXX |  | Residual Income | $4729.95 | $5139.66 | $-409.71 | -7.97153% | Total verified monthly income equals $9,414.79, monthly PITIA equals $3,432.94 and all other debts equal $1,251.90. Residual income is $4,729.95. | Initial |
| 726 | XXXX | XXXX |  | Original Appraised Value | XXXX | XXXX | XXXX | 0.15408% | The Appraisal dated XX/XX/XXXX reflects Original Appraised Value as $XXXX | Initial |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| 6 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Required Documentation Missing or Incomplete - EV W<br> COMMENT: The purpose is to complete a cash-out refinance to pay off the existing mortgage and the contractor. Exception approval provided is incomplete and does not include comp factors. Provided a copy of full exception approval.<br>03/23/2026: Waived. Comp factors given on original exception: Low LTV, Co-borrower's credit score is 744, low DTI length of employment and good reserves. guidelines also state that the 700 FICO requirement is for one year self employed | DTI: 17.14% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 9 months of available reserves are more than the guideline requirement of 3 months. | Single Family | XX/XX/XXXX | 72.222% | 72.222% | Primary | Cash Out | 683 | 1.25 | XXXX | 8.58 | $30531.12 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 17.143% |  | Alternative | QC Complete | 02/25/2026 |
| 14 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 725 | 0.58 | XXXX | 7.16 | $16073.71 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 36.146% |  | Full Documentation | QC Complete | 02/25/2026 |
| 54 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 48.142% | 48.142% | Primary | Cash Out | 745 | 29 | XXXX | 13.08 | $6174.07 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 39.262% |  | Alternative | QC Complete | 02/12/2026 |
| 76 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the second month bank statement for the XXXX account ending in #XXXX, as required by the guidelines<br>03/17/2026: Resolved. Loan is a cashout. Borrower receiving $XXXX in cash which covers the reserve requirement. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 809 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 02/25/2026 |
| 77 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 809 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 02/25/2026 |
| 84 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 763 | 23.5 | XXXX | 15.83 | $180286.05 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 2.460% |  | Alternative | QC Complete | 02/25/2026 |
| 88 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Missing LoanScorecard.<br> 03/31/2026: Resolved. a LoanNex was provided with the loan package. |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 67.797% | 67.797% | Investor | Cash Out | 748 |  | XXXX | 20.58 | $4326.27 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 39.274% |  | Full Documentation | QC Complete | 03/27/2026 |
| 89 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 764 | 1.75 | XXXX | 13.08 | $63687.69 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 4.534% |  | Alternative | QC Complete | 03/27/2026 |
| 99 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: Provide a copy of secondary valuation (CDA) as it is missing.<br>03/18/2026 Resolved : The copy of CDA resolves the condition. |  |  | Single Family | XX/XX/XXXX | 50.373% | 50.373% | Primary | Cash Out | 758 | 2.5 | XXXX | 11.75 | $122710.26 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 5.648% |  | Alternative | QC Complete | 03/11/2026 |
| 131 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 63.143% | 63.143% | Investor | Cash Out | 809 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/27/2026 |
| 197 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Income documentation does not meet guidelines - EV W<br> COMMENT: Requesting exception to waive balance sheet for self employed borrower (XX/XX Schedule C) A copy of an exception approval letter is available in the loan file.<br>\*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Requesting exception to waive proof of MTM rent of $825. <br> A copy of an exception approval letter is available in the loan file. | FICO: 786 FICO exceeds the guideline requirement of 720.<br> DTI: 40.79% DTI is less than the maximum guideline requirement of 50.00%.<br> LTV: 33.33% LTV is less than the guideline requirement of 75.00%.<br>FICO: 786 FICO exceeds the guideline requirement of 720.<br> DTI: 40.79% DTI is less than the maximum guideline requirement of 50.00%.<br> LTV: 33.33% LTV is less than the guideline requirement of 75.00%. | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 33.333% | 33.333% | Investor | Cash Out | 786 |  | XXXX | 39.75 | $12329.04 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 40.797% |  | Full Documentation | QC Complete | 04/16/2026 |
| 201 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 47.170% | 47.170% | Primary | Cash Out | 750 | 4 | XXXX | 16.83 | $85560.39 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 7.589% |  | Alternative | QC Complete | 02/13/2026 |
| 204 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) HUD-1 Closing Statement missing or unsigned - EV R<br> COMMENT: Missing Final Closing Disclosure.<br> 03/13/2026; Resolved. Received copy of CD |  |  | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 743 | 4.25 | XXXX | 19.75 | $34500.39 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 16.356% |  | Alternative | QC Complete | 03/11/2026 |
| 206 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 68.821% | 68.821% | Primary | Cash Out | 707 | 11.16 | XXXX | 18.92 | $199143.09 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 6.225% |  | Alternative | QC Complete | 04/07/2026 |
| 214 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of updated Final Hazard Insurance Mortgagee Clause as it is missing.<br> 03/20/2026: Resolved. Received HOI with mortgagee clause. |  |  | Single Family | XX/XX/XXXX | 40.000% | 40.000% | Primary | Cash Out | 770 | 5.33 | XXXX | 3.5 | $8144.17 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 31.351% |  | Alternative | QC Complete | 03/11/2026 |
| 221 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 53.509% | 53.509% | Primary | Cash Out | 753 | 6.33 | XXXX | 2.75 | $5438.52 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 49.180% |  | Full Documentation | QC Complete | 02/26/2026 |
| 227 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 74.510% | 74.510% | Primary | Cash Out | 717 | 2.16 | XXXX | 5.16 | $39759.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 33.743% |  | Alternative | QC Complete | 03/27/2026 |
| 228 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 26.075% | 26.075% | Primary | Cash Out | 648 | 8.08 | XXXX | 4 | $15968.46 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 35.737% |  | Alternative | QC Complete | 03/12/2026 |
| 235 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 42.735% | 42.735% | Primary | Cash Out | 718 | 3.16 | XXXX | 7.08 | $2485.23 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 43.326% |  | Alternative | QC Complete | 03/30/2026 |
| 245 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 701 | 2 | XXXX | 6 | $14748.97 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 40.004% |  | Alternative | QC Complete | 02/11/2026 |
| 249 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 55.838% | 55.838% | Primary | Cash Out | 736 | 1.83 | XXXX | 13.75 | $13812.71 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 38.389% |  | Alternative | QC Complete | 02/27/2026 |
| Dropped from deal | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Cash Out | 797 | 3.08 |  |  | $3202.25 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 49.075% |  | Full Documentation | QC Complete | 04/08/2026 |
| 268 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 57.500% | 57.500% | Primary | Cash Out | 677 | 23.64 | XXXX | 6.5 | $62641.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 4.481% |  | Alternative | QC Complete | 04/07/2026 |
| 276 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 46.875% | 46.875% | Primary | Cash Out | 713 | 4.16 | XXXX | 6 | $20521.45 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 22.655% |  | Alternative | QC Complete | 02/26/2026 |
| 296 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 707 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 02/27/2026 |
| 297 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.674% Allowed 7.630% Overby +1.044%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Cash Out | 651 | 10 | XXXX | 7.08 | $30514.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 27.419% |  | Alternative | QC Complete | 03/18/2026 |
| 300 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 60.816% | 60.816% | Investor | Cash Out | 724 |  | XXXX | 7.83 | $5620.42 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 49.921% |  | Full Documentation | QC Complete | 02/12/2026 |
| 310 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Title coverage amount $XXXX on the title report is less than the mortgage loan amount of $XXXX. Provide a copy of Title Supplement to cover the loan amount OR final ALTA policy.<br>03/16/2026: Resolved. Updated title was provided.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.752% Allowed 7.560% Overby +0.192%<br>This loan is compliant with regulation 1026.35<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: The Loan Scorecard showing final approval/conditions/terms of the loan transaction is missing its 1st page. Please provide a 1st page (most current/passing score).<br> 03/17/2026: Resolved. Received complete loan scorecard. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Allow the borrower to complete a cash out refinance when living rent free.<br>A copy of an exception approval letter is available in the loan file. | FICO: 665 FICO exceeds the guideline requirement of 640.<br>Reserves: The 6.268 months of available reserves are more than the guideline requirement of 3 months.<br>DTI: 47.51% DTI is less than the maximum guideline requirement of 50.00%. | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 53.667% | 53.667% | Investor | Cash Out | 665 |  |  |  | $960.31 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 47.514% |  | Alternative | QC Complete | 03/11/2026 |
| 311 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide the missing 1st page of the loan scorecard.<br>03/27/2026: resolved. Received Loan Scorecard<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide supporting document for revolving account-XXXX. This liability is disclosed on the final 1003 but is not on the credit report.<br>03/27/2026: Countered. The credit report provided does not show XXXX as a liability.<br> 04/01/2026: Countered. The credit report provided is only 14 pages. The credit report in the file does not show a XXXX. Provide supporting documents for XXXX<br> 04/06/2026 Countered: The credit report provided does not show a XXXX. Provide supporting documents for XX #XX<br> 04/08/2026: Resolved. The XXXX is the same as the XXXX listed on the credit report #XXXX for for $XX/$XX. the whole account number is just not listed on the credit report. |  |  | Single Family | XX/XX/XXXX | 30.426% | 30.426% | Secondary | Cash Out | 663 |  | XXXX | 11.08 | $11314.36 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 49.849% |  | Alternative | QC Complete | 03/25/2026 |
| 316 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: DTI exceeding allowable limit of 50% - Qualifying DTI currently 51.8%.<br>A copy of an exception approval letter is available in the loan file. | FICO: 740 FICO exceeds the guideline requirement of 640.<br>Reserves: The 9 months of available reserves are more than the guideline requirement of 6 months.<br>| PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 740 | 0.75 | XXXX | 2.42 | $11144.73 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 48.139% |  | Alternative | QC Complete | 04/08/2026 |
| 318 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the first page of the Loan Scorecard<br>03/25/2026: Resolved. Received loanscore card.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: The lender loss payee clause is present on the hazard insurance; however, it is missing ATIMA in the clause.<br> 03/23/2026; Resolved: Received updated HOI |  |  | Single Family | XX/XX/XXXX | 66.277% | 66.277% | Primary | Cash Out | 706 | 19.25 |  |  | $6524.60 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 44.416% |  | Alternative | QC Complete | 03/16/2026 |
| 324 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Condo guidelines : < 500 Sq ft <br>A copy of an exception approval letter is available in the loan file. | DSCR: 1.09 DSCR exceeds the guideline requirement of 1.00.<br>LTV: 48.18% LTV is less than the guideline requirement of 85.00%.<br>FICO: 775 FICO exceeds the guideline requirement of 700. | Mid Rise Condo (5-8 Stories) | XX/XX/XXXX | 48.182% | 48.182% | Investor | Cash Out | 775 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 04/07/2026 |
| 332 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 77.177% | 77.177% | Primary | Cash Out | 728 | 3.5 | XXXX | 3.92 | $7107.01 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 33.768% |  | Full Documentation | QC Complete | 04/08/2026 |
| 347 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The borrower has 8 NSFs on the business bank account, where guideline allows maximum of 6 NSF's.<br>A copy of an exception approval letter is available in the loan file. | FICO: 705 FICO exceeds the guideline requirement of 700.<br>LTV: 70.00% LTV is less than the guideline requirement of 80.00%.<br>DTI: 42.72% DTI is less than the maximum guideline requirement of 50.00%.<br>| Single Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Cash Out | 705 | 12.16 | XXXX | 20.58 | $35629.73 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 36.118% |  | Alternative | QC Complete | 02/24/2026 |
| 349 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Missing Business purpose certification.<br>02/19/2026: Business purpose & occupancy affidavit provided. |  |  | 2 Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 727 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 04/16/2026 |
| 384 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 701 | 3 |  | 3.66 | $8657.46 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 36.259% |  | Alternative | QC Complete | 02/26/2026 |
| 396 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 57.042% | 57.042% | Primary | Cash Out | 717 | 2.16 | XXXX | 11.92 | $72132.96 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 23.659% |  | Alternative | QC Complete | 03/26/2026 |
| 405 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>03/25/2026: Resolved. Received updated title |  |  | Single Family | XX/XX/XXXX | 60.313% | 60.313% | Primary | Cash Out | 771 | 7 | XXXX | 11 | $43360.24 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 41.692% |  | Full Documentation | QC Complete | 03/13/2026 |
| 409 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 65.934% | 65.934% | Investor | Cash Out | 778 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 02/16/2026 |
| 412 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 67.123% | 67.123% | Investor | Cash Out | 715 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/24/2026 |
| 413 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 58.406% | 58.406% | Primary | Cash Out | 672 | 5.58 | XXXX | 1.91 | $8196.93 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 37.708% |  | Alternative | QC Complete | 03/16/2026 |
| 415 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of SSA Award letter to verify the SSI income $2,083.00<br>03/26/2026: Resolved. SSI is reporting on XX #XXXX |  |  | PUD | XX/XX/XXXX | 44.643% | 44.643% | Primary | Cash Out | 700 | 35.5 | XXXX | 10.16 | $5139.94 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 44.376% |  | Alternative | QC Complete | 03/13/2026 |
| 424 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 50.000% | 50.000% | Primary | Cash Out | 736 | 2.08 | XXXX | 16.08 | $28488.79 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 42.747% |  | Alternative | QC Complete | 02/26/2026 |
| 425 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of HOA statement and insurance Invoice both showing the premiums for each for property address "XXXX" (Monthly cost would need to be added to final DTI).<br>03/19/2026: Not resolved. Still need insurance invoice for property XXXX<br>03/26/2026: Resolved. Received proof of PITI |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 65.122% | 65.122% | Investor | Cash Out | 703 |  | XXXX | 30.08 | $18836.15 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 43.181% |  | Alternative | QC Complete | 03/10/2026 |
| 441 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test Charged 7.994% Allowed 7.640% Overby +0.354%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Cash Out | 715 | 16 | XXXX | 7.91 | $60588.02 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 8.499% |  | Alternative | QC Complete | 02/10/2026 |
| 446 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.247% Allowed 7.600% Overby +0.647%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX/XX/XXXX | 60.606% | 60.606% | Primary | Cash Out | 643 | 0.66 |  |  | $2114.32 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 47.831% |  | Alternative | QC Complete | 03/24/2026 |
| 452 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Allowing exception for minimum loan amount. Loan amount is $XXXX less than the minimum loan amount of $100,000.<br>A copy of an exception approval letter is available in the loan file. | DSCR: 1.34 DSCR exceeds the guideline requirement of 0.50.<br>FICO: 765 FICO exceeds the guideline requirement of 700.<br>Reserves: The 47 months of available reserves are more than the guideline requirement of 6 months. | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 765 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/24/2026 |
| 454 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Cash Out | 721 |  | XXXX | 8.83 | $19619.04 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 45.608% |  | Alternative | QC Complete | 02/24/2026 |
| 462 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 64.165% | 64.165% | Primary | Cash Out | 691 | 22.08 | XXXX | 32.08 | $12704.31 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 40.065% |  | Alternative | QC Complete | 03/25/2026 |
| 468 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the first page of the loan scorecard, as it is missing<br>02/19/2026: Complete copy of Loanscore card provided. |  |  | Single Family | XX/XX/XXXX | 58.824% | 58.824% | Investor | Cash Out | 759 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 02/13/2026 |
| 475 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 78.000% | 78.000% | Primary | Cash Out | 725 | 0.66 | XXXX | 3 | $13487.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 44.604% |  | Alternative | QC Complete | 03/26/2026 |
| 484 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Proof of omission for Home Equity Deed of trust dated XX/XX/XXXX, executed by XXXX XXXX to XXXX, Trustee, filed for record in county clerk's file no. instrument no. XXXX of the official public records of XXXX, Texas, on Nov XX, 2023, securing XXXX<br>03/20/2026: Resolved; loan closed as delayed financing. Have release of lien from previous owner and CD of purchase , documented as delayed financing.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: The loan was locked as a no cash-out refinance, however the Closing Disclosure (CD) reflects cash back to the borrower in the amount of $XXXX]<br>03/20/2026: Resolved; received lox that loan was a delayed financing. |  |  | Single Family | XX/XX/XXXX | 45.839% | 45.839% | Secondary | Cash Out | 789 |  |  |  | $19904.40 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 17.507% |  | Alternative | QC Complete | 04/16/2026 |
| 487 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 738 | 20.08 | XXXX | 25.33 | $258325.73 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type: | XXXX | 8.822% |  | Alternative | QC Complete | 03/24/2026 |
| 494 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 751 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/13/2026 |
| 496 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 76.376% | 76.376% | Investor | Cash Out | 730 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/25/2026 |
| 498 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 65.000% | 65.000% | Investor | Cash Out | 777 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/13/2026 |
| 522 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XXXX does not cover the loan amount $XXXX. Provide a copy of the title supplement report to cover the loan amount.<br>03/17/2026: Resolved. Received updated title. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 740 | 1.75 | XXXX | 2.75 | $23033.43 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 31.791% |  | Alternative | QC Complete | 02/11/2026 |
| 529 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 713 | 3.42 | XXXX | 6.25 | $21959.53 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 22.371% |  | Alternative | QC Complete | 02/10/2026 |
| 530 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 46.239% | 46.239% | Primary | Cash Out | 676 | 24.42 | XXXX | 37.08 | $8848.23 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 41.441% |  | Alternative | QC Complete | 02/24/2026 |
| 538 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.230% Allowed 7.630% Overby +0.600%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: MA 209 CMR 32.35 Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations.<br>MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 8.230% Allowed 7.630% Overby +0.600%<br>This loan is compliant with regulation MA 209 CMR 32.35. |  |  | Single Family | XX/XX/XXXX | 69.841% | 69.841% | Primary | Cash Out | 663 | 15.67 | XXXX | 3.91 | $17862.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 44.944% |  | Alternative | QC Complete | 03/26/2026 |
| 555 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 70.714% | 70.714% | Investor | Cash Out | 745 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/16/2026 |
| 562 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the bank statementXXXX, dated XX/XX/XXXX, as it is missing<br>03/18/2026: Resolved. Received bank statement |  |  | Single Family | XX/XX/XXXX | 21.266% | 21.266% | Primary | Cash Out | 727 | 20 | XXXX | 13.08 | $8037.86 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 45.545% |  | Alternative | QC Complete | 03/10/2026 |
| 569 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 2 | 1 | 2 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Appraisal incomplete (missing map, layout, pages, etc) - EV W<br> COMMENT: The loan file does not meet guideline requirements, as properties exceeding 20 acres are not eligible. The subject property consists of XXXX acres, which exceeds the allowable limit. a full exception approval is required. The exception approval email is incomplete and does not include comp factors.<br>02/19/2026 Not Resolved: Exception approval received but missing compensating factors. Please provide.<br>02/25/2026: A copy of an exception approval letter has been received.<br>\*\*\* (WAIVED) Property Issues indicated - EV W<br> COMMENT: The loan file does not meet guideline requirements, as properties classified as log homes are excluded from eligibility. A full exception approval is required. The exception approval email provided is incomplete and does not include comp factors.<br>02/26/2026: A copy of an exception approval letter has been received. | LTV: 31.42% LTV is less than the guideline requirement of 70.00%<br>FICO: 794 FICO exceeds the guideline requirement of 680.<br>Reserves: the 61 months of available reserves are more than the guideline requirement of 6 months<br>LTV: 31.42% LTV is less than the guideline requirement of 70.00%<br>FICO: 794 FICO exceeds the guideline requirement of 680.<br>Reserves: the 61 months of available reserves are more than the guideline requirement of 6 months | PUD | XX/XX/XXXX | 31.429% | 31.429% | Primary | Cash Out | 672 | 2.5 | XXXX | 4.58 | $6597.59 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 47.204% |  | Alternative | QC Complete | 02/12/2026 |
| 570 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test is Incomplete - EV R<br> COMMENT: Missing Initial Closing Disclosure.<br>Resolved 03/18/2026: Received Initial Closing Disclosure dated XX/XX/XXXX and exception is cleared. |  |  | 2 Family | XX/XX/XXXX | 82.083% | 82.083% | Primary | Cash Out | 793 | 2.17 | XXXX | 2 | $10446.12 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 44.290% |  | Alternative | QC Complete | 03/10/2026 |
| 581 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Allowing loan amount $XXXX and minimum loan amount required is 100,000<br>A copy of an exception approval letter is available in the loan file. | DSCR: 1.53 DSCR exceeds the guideline requirement of 0.50.<br>Reserves: The 76 months of available reserves are more than the guideline requirement of 6 months.<br>FICO: 721 FICO exceeds the guideline requirement of 700.<br>| Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 721 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/25/2026 |
| 592 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 784 | 0.5 | XXXX | 7.75 | $5927.77 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 43.577% |  | Alternative | QC Complete | 02/26/2026 |
| 599 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 57.624% | 57.624% | Investor | Cash Out | 722 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 04/16/2026 |
| 612 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 66.788% | 66.788% | Primary | Cash Out | 666 | 2 | XXXX | 3 | $11290.04 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 44.208% |  | Full Documentation | QC Complete | 03/13/2026 |
| 613 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 77.333% | 77.333% | Investor | Cash Out | 737 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/26/2026 |
| 627 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 785 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 04/16/2026 |
| 644 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Cash Out | 730 |  | XXXX | 17.16 | $35317.04 | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent | XXXX | 24.954% |  | Full Documentation | QC Complete | 03/16/2026 |
| 664 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 61.132% | 61.132% | Primary | Cash Out | 683 | 2 | XXXX | 9.08 | $16259.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 39.363% |  | Alternative | QC Complete | 03/26/2026 |
| 678 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 58.333% | 58.333% | Primary | Cash Out | 793 | 0.66 | XXXX | 0.5 | $28052.69 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 49.737% |  | Full Documentation | QC Complete | 03/25/2026 |
| 679 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance $XXXX does not cover the loan amount $XXXX. Provide a copy of the title supplement report to cover the loan amount.<br> 03/23/2026: Resolved. Received updated title<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Business Purpose affidavit is missing<br> 03/23/2026: Resolved: Received a copy of the Business Purpose & Occupancy Affidavit.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of first page of Loan score card.<br> 03/23/2026: Resolved. Received loanScorecard with a pass |  |  | PUD | XX/XX/XXXX | 65.000% | 65.000% | Investor | Cash Out | 807 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/17/2026 |
| 681 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 68.966% | 68.966% | Investor | Cash Out | 740 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 02/16/2026 |
| 687 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 746 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/13/2026 |
| 694 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 53.719% | 53.719% | Primary | Cash Out | 714 | 14.33 | XXXX | 18.91 | $49500.32 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 28.155% |  | Alternative | QC Complete | 02/24/2026 |
| 697 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 775 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/25/2026 |
| 705 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 65.000% | 65.000% | Investor | Cash Out | 783 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 02/27/2026 |
| 712 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 60.759% | 60.759% | Investor | Cash Out | 765 |  | XXXX | 36.08 | $8455.08 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 40.740% |  | Alternative | QC Complete | 03/26/2026 |
| 713 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 8.696% | 8.696% | Primary | Cash Out | 752 | 2.25 | XXXX | 26.08 | $6085.33 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 39.640% |  | Alternative | QC Complete | 02/26/2026 |
| 719 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of the title supplement report to cover the loan amount, The amount of title insurance $XXXX does not cover the loan amount $XXXX<br>03/25/2026: Resolved: Received updated title. |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 785 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/03/2026 |
| 722 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 59.316% | 59.316% | Investor | Cash Out | 691 |  | XXXX | 26.16 | $32213.47 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 29.038% |  | Alternative | QC Complete | 03/25/2026 |
| 732 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 744 |  | XXXX | 24.5 | $71194.88 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 49.108% |  | Full Documentation | QC Complete | 02/11/2026 |
| 734 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The title report agent name "XXXX" does not match the Final Closing Disclosure, which reflects XXXX. Please provide an updated title report reflecting the correct title agent name.<br>03/20/2026: Resolved. Received a loe stating This is a New York property. they have a seperate title company\*new Abstract) and closing/settlement attorney (XXXX). The information is accurate to show XXXX on the final CD under settlement agent section. |  |  | Single Family | XX/XX/XXXX | 65.000% | 65.000% | Investor | Cash Out | 756 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/13/2026 |
| 736 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 34.483% | 34.483% | Investor | Cash Out | 660 |  | XXXX | 12.92 | $47050.91 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 9.041% |  | Alternative | QC Complete | 02/16/2026 |
| 749 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 2 | 2 | 2 | 2 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Appraisal incomplete (missing map, layout, pages, etc) - EV W<br> COMMENT: The loan file does not meet guideline requirements, as properties exceeding 20 acres are not eligible. The subject property is XXXX acres.<br>A copy of an exception approval letter is available in the loan file.<br>\*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The loan file does not meet guideline requirements, as the guidelines restrict property eligibility and exclude log homes. <br>A copy of an exception approval letter is available in the loan file. | FICO: 708 FICO exceeds the guideline requirement of 700.<br>DTI: 45.35% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 63.13% LTV is less than the guideline requirement of 80.00%.<br>FICO: 708 FICO exceeds the guideline requirement of 700.<br>DTI: 45.35% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 63.13% LTV is less than the guideline requirement of 80.00%.<br>| Single Family | XX/XX/XXXX | 63.131% | 63.131% | Secondary | Cash Out | 708 |  | XXXX | 7.66 | $22699.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 45.353% |  | Alternative | QC Complete | 04/16/2026 |
| 755 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 745 | 0.91 | XXXX | 25.41 | $48603.49 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 5.990% |  | Alternative | QC Complete | 02/12/2026 |
| 756 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 46.683% | 46.683% | Primary | Cash Out | 733 | 1 | XXXX | 17.58 | $17593.52 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 32.206% |  | Alternative | QC Complete | 03/25/2026 |
| 768 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 7.514% Allowed 7.490% Overby +0.024%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: CA AB 260, California Financial Code Division 1.9 4995(a) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged 7.514% Allowed 7.490% Overby +0.024%<br>This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | Single Family | XX/XX/XXXX | 77.383% | 77.383% | Primary | Cash Out | 715 | 0.83 | XXXX | 2.08 | $9458.32 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 45.530% |  | Full Documentation | QC Complete | 03/13/2026 |
| 771 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 764 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 02/12/2026 |
| 787 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Cash Out | 747 | 20.42 | XXXX | 35.75 | $16094.21 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 26.374% |  | Alternative | QC Complete | 03/26/2026 |
| 796 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 58.824% | 58.824% | Investor | Cash Out | 727 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 02/27/2026 |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| 6 | XXXX | XXXX |  | XXXX | Mississippi | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 2 | Credit | Credit | OMG3VCV2NB4-U0OKEMMW | Waived | 3 | W | \* Required Documentation Missing or Incomplete (Lvl W) | The purpose is to complete a cash-out refinance to pay off the existing mortgage and the contractor. Exception approval provided is incomplete and does not include comp factors. Provided a copy of full exception approval.<br>03/23/2026: Waived. Comp factors given on original exception: Low LTV, Co-borrower's credit score is 744, low DTI length of employment and good reserves. guidelines also state that the 700 FICO requirement is for one year self employed |  |  | DTI: 17.14% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 9 months of available reserves are more than the guideline requirement of 3 months. |  | QC Complete | 02/25/2026 |  |  | 02/24/2026 |
| 48 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | 0DEVWFJBTBR-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | The HO6 policy is missing from the loan file, and walls-in coverage is not included in the Master Policy. Provide the HO6 policy with walls-in coverage.<br>03/25/2026: 03/25/2026: Resolved. A Copy of the HO6 was provided. | 03/25/2026: 03/25/2026: Resolved. A Copy of the HO6 was provided. | 03/25/2026: 03/25/2026: Resolved. A Copy of the HO6 was provided. |  |  | QC Complete | 03/10/2026 | 03/25/2026 | 03/25/2026 | 03/11/2026 |
| 48 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 0DEVWFJBTBR-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of hazard insurance with annual premium for the subject property as it is missing.<br>04/03/2026: Countered. Need the hazard insurance with the annual premium for subject property. The document provided was for flood insurance.<br> 04/06/2026: Resolved. Received a copy of the hoi | 04/06/2026: Resolved. Received a copy of the hoi | 04/06/2026: Resolved. Received a copy of the hoi |  |  | QC Complete | 03/10/2026 | 04/06/2026 | 04/06/2026 | 03/10/2026 |
| 48 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 0DEVWFJBTBR-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | The flood insurance for the subject property expired on 02/12/2026. Provide an updated flood insurance policy showing active coverage.<br> 04/02/2026: Resolved. Updated polciy received | 04/02/2026: Resolved. Updated polciy received | 04/02/2026: Resolved. Updated polciy received |  |  | QC Complete | 03/10/2026 | 04/02/2026 | 04/02/2026 | 03/10/2026 |
| 57 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 22MUCKTP2NV-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provided Note document contains only two borrowers signature, whereas all other closing document and credit report have 3 borrowers. Required corrected Note document with additional borrowers signature.<br>03/18/2026; Resolved. Received updated Note with all signatures. | 03/18/2026; Resolved. Received updated Note with all signatures. | 03/18/2026; Resolved. Received updated Note with all signatures. |  |  | QC Complete | 03/11/2026 | 03/18/2026 | 03/18/2026 | 03/11/2026 |
| 70 | XXXX | XXXX |  | XXXX | Minnesota | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Other Disclosures | 3ZLC2WAE1GE-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide a copy of the second month bank statement for the XXXX account ending in #XXXX, #XXXX, as required by the guidelines.<br> 04/06/2026: Resolved. Bank statement provided in file, ending 12-31-25 with balance of $XXXX and <br> Bank statements provided in file ending 11-30-25; cash to close and required reserves totaled $XXXX<br> Sufficient covered by 2 months bank statements valid through the Note date. <br> Request made to overturn finding. | 04/06/2026: Resolved. Bank statement provided in file, ending 12-31-25 with balance of $112,061 and <br> Bank statements provided in file ending 11-30-25; cash to close and required reserves totaled $104,395 <br> Sufficient covered by 2 months bank statements valid through the Note date. <br> Request made to overturn finding. | 04/06/2026: Resolved. Bank statement provided in file, ending 12-31-25 with balance of $112,061 and <br> Bank statements provided in file ending 11-30-25; cash to close and required reserves totaled $XXXX<br> Sufficient covered by 2 months bank statements valid through the Note date. <br> Request made to overturn finding. |  |  | QC Complete | 02/25/2026 | 04/06/2026 | 04/06/2026 | 02/25/2026 |
| 72 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | 0QNJYZT02OM-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide the receipt or supporting document for the $283.33 HOA fee for XXXX.<br>03/11/2026: COUNTERED: NOTHING PROVIDED SHOWING HOA FEE OF $283.33 PLESAE PROVIDE ADDITIONAL DOCUMENTATION TO SHOW THE INCREASE.<br> 03/25/2026: Resolved. The HOA is an annual payment. last paid on 08/01/2025 with check for $3400.00 | 03/25/2026: Resolved. The HOA is an annual payment. last paid on 08/01/2025 with check for $3400.00 | 03/25/2026: Resolved. The HOA is an annual payment. last paid on 08/01/2025 with check for $3400.00 |  |  | QC Complete | 02/12/2026 | 03/25/2026 | 03/25/2026 | 02/12/2026 |
| 73 | XXXX | XXXX |  | XXXX | Massachusetts | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | VREE0MU2CK2-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Exhibit A Rider is missing from the Deed of Trust/Mortgage.<br> 02/20/2026: Exhibit A provided | 02/20/2026: Exhibit A provided | 02/20/2026: Exhibit A provided |  |  | QC Complete | 02/12/2026 | 02/20/2026 | 02/20/2026 | 02/12/2026 |
| 74 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | TFEKARKLINF-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Hazard insurance dwelling amount $XXXX is not sufficient to cover the loan amount $XXXX. Provide replacement cost estimator and an updated HOI with mortgage clause reflecting on it.<br> 03/12/2026: Not resolved. HOI with mortgage clause reflecting on it is still needed.<br> 03/20/2026: Not resolved. Mortgagee clause has been added but the coverage is still not enough<br> 03/25/2026: Resolved; RCE provided. coverage is $XXXX | 03/25/2026: Resolved; RCE provided. coverage is $XXXX | 03/25/2026: Resolved; RCE provided. coverage is $XXXX |  |  | QC Complete | 02/25/2026 | 03/25/2026 | 03/25/2026 | 02/24/2026 |
| 76 | XXXX | XXXX |  | XXXX | Oklahoma | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | ZFIS114KYIT-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the second month bank statement for the XXXX account ending in #XXXX, as required by the guidelines<br>03/17/2026: Resolved. Loan is a cashout. Borrower receiving $XXXX in cash which covers the reserve requirement. | 03/17/2026: Resolved. Loan is a cashout. Borrower receiving $XXXX in cash which covers the reserve requirement. | 03/17/2026: Resolved. Loan is a cashout. Borrower receiving $XXXX in cash which covers the reserve requirement. |  |  | QC Complete | 02/25/2026 | 03/17/2026 | 03/17/2026 | 02/25/2026 |
| 82 | XXXX | XXXX |  | XXXX | Indiana | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | ISKHKBYLQO4-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 7.909% Allowed 7.670% Overby +0.239%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 02/12/2026 | 02/12/2026 | 02/12/2026 | 02/12/2026 |
| 86 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 3PR3TCQXQPG-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title amount is insufficient to cover the loan amount of $XXXX. Provide a copy of the title supplemental report.<br>03/17/2026: Resolved. Received updated title | 03/17/2026: Resolved. Received updated title | 03/17/2026: Resolved. Received updated title |  |  | QC Complete | 03/10/2026 | 03/17/2026 | 03/17/2026 | 03/10/2026 |
| 88 | XXXX | XXXX |  | XXXX | Massachusetts | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | N0BSM33BY0Z-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing LoanScorecard.<br> 03/31/2026: Resolved. a XXXX was provided with the loan package. | 03/31/2026: Resolved. a LoanNex was provided with the loan package. | 03/31/2026: Resolved. a LoanNex was provided with the loan package. |  |  | QC Complete | 03/27/2026 | 03/31/2026 | 03/31/2026 | 03/26/2026 |
| 99 | XXXX | XXXX |  | XXXX | Louisiana | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | GBDQMVXO1FM-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide a copy of secondary valuation (CDA) as it is missing.<br>03/18/2026 Resolved : The copy of CDA resolves the condition. | 03/18/2026 Resolved : The copy of CDA resolves the condition. | 03/18/2026 Resolved : The copy of CDA resolves the condition. |  |  | QC Complete | 03/11/2026 | 03/19/2026 | 03/19/2026 | 03/10/2026 |
| 124 | XXXX | XXXX |  | XXXX | Michigan | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | LAOWV1BQSY0-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 9.073% Allowed 8.640% Overby +0.433%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 02/26/2026 | 02/26/2026 | 02/26/2026 | 02/25/2026 |
| 128 | XXXX | XXXX |  | XXXX | Indiana | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | O3GOKHYPV4E-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Correction required on final 1003 for REO property "XXXX" from Primary residence to investment.<br>03/18/2026: Received corrected 1003. | 03/18/2026: Received corrected 1003. | 03/18/2026: Received corrected 1003. |  |  | QC Complete | 03/11/2026 | 03/18/2026 | 03/18/2026 | 03/10/2026 |
| 128 | XXXX | XXXX |  | XXXX | Indiana | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | O3GOKHYPV4E-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide VVOE for B2 (XXXX) from employer "XXXX" with in 10 days of closing.<br>03/18/2026: Not resolved. The approval dated XX/XX/XXXX was approved with the co-borrowers income.<br>03/30/2026: Resolved. Received VVOE. | 03/30/2026: Resolved. Received VVOE. | 03/30/2026: Resolved. Received VVOE. |  |  | QC Complete | 03/11/2026 | 03/30/2026 | 03/30/2026 | 03/10/2026 |
| 132 | XXXX | XXXX |  | XXXX | Oklahoma | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | EZVDTLCD2GJ-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide most recent 2 months bank statements (December 2025 and January 2026, or latest available) to meet guideline requirements.<br> 03/31/2026: Resolved. The statement in file is dated 11/30/2025 and is valid through 02/28/2026. Loan closed 02/23/2026 so a new statement is not needed. | 03/31/2026: Resolved. The statement in file is dated 11/30/2025 and is valid through 02/28/2026. Loan closed 02/23/2026 so a new statement is not needed. | 03/31/2026: Resolved. The statement in file is dated 11/30/2025 and is valid through 02/28/2026. Loan closed 02/23/2026 so a new statement is not needed. |  |  | QC Complete | 03/30/2026 | 03/31/2026 | 03/31/2026 | 03/27/2026 |
| 133 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | M122TVNGW0J-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | In the provided Final 1003 borrower sign date is reflecting as 02/32/2026 instead of 02/23/2026.<br>03/26/2026: Resolved: Received corrected 1003 | 03/26/2026: Resolved: Received corrected 1003 | 03/26/2026: Resolved: Received corrected 1003 |  |  | QC Complete | 03/11/2026 | 03/26/2026 | 03/26/2026 | 03/10/2026 |
| 143 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | E4DL2N2SJBM-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Provide a copy of the secondary valuation CDA supporting the appraised value of $XXXX<br>03/16/2026: Resolved. A second appraisal is in the file which satisfies the secondary valuation requirement, no CDA is required. | 03/16/2026: Resolved. A second appraisal is in the file which satisfies the secondary valuation requirement, no CDA is required. | 03/16/2026: Resolved. A second appraisal is in the file which satisfies the secondary valuation requirement, no CDA is required. |  |  | QC Complete | 03/11/2026 | 03/16/2026 | 03/16/2026 | 03/11/2026 |
| 170 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | DLVDJPYZWXW-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Preliminary title does not reflect the amount of $XXXX title insured coverage amount. Provide a copy of supplemental report.<br>04/01/2026: Resolved. The signed escrow instructions indicate that the final title policy when issued will reflect the amount of $XXXX which is acceptable in the state of California. | 04/01/2026: Resolved. The signed escrow instructions indicate that the final title policy when issued will reflect the amount of $XXXX which is acceptable in the state of California. | 04/01/2026: Resolved. The signed escrow instructions indicate that the final title policy when issued will reflect the amount of $XXXX which is acceptable in the state of California. |  |  | QC Complete | 03/30/2026 | 04/01/2026 | 04/01/2026 | 03/27/2026 |
| 170 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | DLVDJPYZWXW-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of HOA fee amount of $184.48 for the property XXXX<br>04/01/2026: Resolved. the application doesn't indicate a HOA fee and the online search shows property as a SFD. | 04/01/2026: Resolved. the application doesn't indicate a HOA fee and the online search shows property as a SFD. | 04/01/2026: Resolved. the application doesn't indicate a HOA fee and the online search shows property as a SFD. |  |  | QC Complete | 03/30/2026 | 04/01/2026 | 04/01/2026 | 03/27/2026 |
| 197 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | DTRSZZVW1GS-28GAQH2C | Waived | 2 | W | \* Income documentation does not meet guidelines (Lvl W) | Requesting exception to waive balance sheet for self employed borrower (XX/XX Schedule C) A copy of an exception approval letter is available in the loan file. |  |  | FICO: 786 FICO exceeds the guideline requirement of 720.<br> DTI: 40.79% DTI is less than the maximum guideline requirement of 50.00%.<br> LTV: 33.33% LTV is less than the guideline requirement of 75.00%. |  | QC Complete | 04/16/2026 |  |  | 03/25/2026 |
| 197 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | DTRSZZVW1GS-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Requesting exception to waive proof of MTM rent of $825. <br> A copy of an exception approval letter is available in the loan file. |  |  | FICO: 786 FICO exceeds the guideline requirement of 720.<br> DTI: 40.79% DTI is less than the maximum guideline requirement of 50.00%.<br> LTV: 33.33% LTV is less than the guideline requirement of 75.00%. |  | QC Complete | 04/16/2026 |  |  | 03/24/2026 |
| 204 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 4IXRZQTDSMO-KMWEVJ70 | Resolved | 3 | R | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | Missing Final Closing Disclosure.<br> 03/13/2026; Resolved. Received copy of CD | 03/13/2026; Resolved. Received copy of CD | 03/13/2026; Resolved. Received copy of CD |  |  | QC Complete | 03/11/2026 | 03/13/2026 | 03/13/2026 | 03/10/2026 |
| 207 | XXXX | XXXX |  | XXXX | New Jersey | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | X1PUXGZR2BY-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide documentation supporting the $6,121.00 amount for the property located at XXXX<br> 02/25/2026: a LOE was provided with the following: the figure on the credit report and mortgage statement show XXXX; $6121 is just a higher more conservative number that only helps qualifying; when lowered the DTI lowers etc; there is no risk at all. | 02/25/2026: a LOE was provided with the following: the figure on the credit report and mortgage statement show 5856; $6121 is just a higher more conservative number that only helps qualifying; when lowered the DTI lowers etc; there is no risk at all. | 02/25/2026: a LOE was provided with the following: the figure on the credit report and mortgage statement show 5856; $6121 is just a higher more conservative number that only helps qualifying; when lowered the DTI lowers etc; there is no risk at all. |  |  | QC Complete | 04/16/2026 | 04/16/2026 | 04/16/2026 | 02/13/2026 |
| 209 | XXXX | XXXX |  | XXXX | New Jersey | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | 2AVRKTQ11B3-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.732% Allowed 7.490% Overby +1.242%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/12/2026 | 03/12/2026 | 03/12/2026 | 03/12/2026 |
| 209 | XXXX | XXXX |  | XXXX | New Jersey | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | 2AVRKTQ11B3-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | First time home buyer living rent free with no prior housing.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 656 FICO exceeds the guideline requirement of 640<br>DTI: 15.09% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 7.78 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 03/12/2026 |  |  | 03/12/2026 |
| 214 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | 5ZNCERGOSX3-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated Final Hazard Insurance Mortgagee Clause as it is missing.<br> 03/20/2026: Resolved. Received HOI with mortgagee clause. | 03/20/2026: Resolved. Received HOI with mortgagee clause. | 03/20/2026: Resolved. Received HOI with mortgagee clause. |  |  | QC Complete | 03/11/2026 | 03/20/2026 | 03/20/2026 | 03/11/2026 |
| 217 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | ZOZ13SXTOIB-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of (tax, insurance, or HOA fee) for Property XXXX in the amount of $304.00.<br>02/25/2026: Received letter stating: Mortgage statement in file that shows escrowed. No HOA, two unit property built in XXXX, removed $304 from pitia as property is escrowed and no hoa. Provided and updated 1008. | 02/25/2026: Received letter stating: Mortgage statement in file that shows escrowed. No HOA, two unit property built in XX, removed $304 from pitia as property is escrowed and no hoa. Provided and updated 1008. | 02/25/2026: Received letter stating: Mortgage statement in file that shows escrowed. No HOA, two unit property built in XXXX, removed $304 from pitia as property is escrowed and no hoa. Provided and updated 1008. |  |  | QC Complete | 02/11/2026 | 02/25/2026 | 02/25/2026 | 02/11/2026 |
| 230 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | BTVEOGLPEUX-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide documentation confirming that there are no HOA fees for the investment properties located at XXXX and XXXX.<br>03/26/2026: Resolved. Received proof of HOA. | 03/26/2026: Resolved. Received proof of HOA. | 03/26/2026: Resolved. Received proof of HOA. |  |  | QC Complete | 04/16/2026 | 04/16/2026 | 04/16/2026 | 03/11/2026 |
| 236 | XXXX | XXXX |  | XXXX | Maryland | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | VBOYUJH5GDS-V99AA17R | Resolved | 3 | R | \* Prepayment Rider Missing (Lvl R) | Provide a copy of Prepayment rider.<br> 04/01/2026: Resolved. Received a copy of the prepayment rider. | 04/01/2026: Resolved. Received a copy of the prepayment rider. | 04/01/2026: Resolved. Received a copy of the prepayment rider. |  |  | QC Complete | 03/27/2026 | 04/01/2026 | 04/01/2026 | 03/25/2026 |
| 236 | XXXX | XXXX |  | XXXX | Maryland | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | VBOYUJH5GDS-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | The purchase contract includes a Dual Agency Disclosure/Consent Form; however, the buyer has not executed the document. As stated in the instructions at the top of the form, the buyer must sign the disclosure to consent to the dual agency. The buyer's signature is missing (Pg. 230).<br>04/03/2026: Resolved. Received the follwoing LOE: Not all addends'd & exhibits are required to be provided or fully executed, such as state disclosures, as they do not change the terms of the contract or impact the mortgage financing terms. Therefore w do not require the State of Maryland Dual Agency Disclosure to be fully executed (nor foes Fannie Mae). | 04/03/2026: Resolved. Received the follwoing LOE: Not all addends'd & exhibits are required to be provided or fully executed, such as state disclosures, as they do not change the terms of the contract or impact the mortgage financing terms. Therefore w do not require the State of Maryland Dual Agency Disclosure to be fully executed (nor foes Fannie Mae). | 04/03/2026: Resolved. Received the follwoing LOE: Not all addends'd & exhibits are required to be provided or fully executed, such as state disclosures, as they do not change the terms of the contract or impact the mortgage financing terms. Therefore w do not require the State of Maryland Dual Agency Disclosure to be fully executed (nor foes Fannie Mae). |  |  | QC Complete | 03/27/2026 | 04/03/2026 | 04/03/2026 | 03/27/2026 |
| 239 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | 0BKSDZOMSG0-0O1J05XI | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | TRID violation due to Appraisal fee increase on Revised LE dated XX/XX/XXXX. Initial LE dated XX/XX/XXXX reflects Appraisal fee as $525.00 however, Final CD dated XX/XX/XXXX reflects the Appraisal fee as $675.00. Require PCCD/COC to cure the tolerance violation of $150.00.<br>Resolved 02/16/2026: Received COC dated 01/22/2026 and exception is cleared. | Resolved 02/16/2026: Received COC dated 01/22/2026 and exception is cleared. | Resolved 02/16/2026: Received COC dated 01/22/2026 and exception is cleared. |  |  | QC Complete | 02/12/2026 | 02/16/2026 | 02/16/2026 | 02/12/2026 |
| 253 | XXXX | XXXX |  | XXXX | Washington | XX/XX/XXXX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 5OTZQML4KYD-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | The use of relocation funds is not permitted as per Newrez guidelines.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 781 FICO exceeds the guideline requirement of 640.<br>DTI: 32.412% DTI is less than the maximum guideline requirement of 50.00%.<br>Housing History: 0x30x12 is better than the guideline requirement of 1x30x12.<br>|  | QC Complete | 04/16/2026 |  |  | 03/13/2026 |
| 260 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | CJKSDW4RLFG-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of master insurance policy that includes the dwelling coverage for the subject, and also includes the new lender loss payee clause. Must include the (ATIMA/ISAOA).<br> 03/24/2026: Resolved: Received master insurance policy | 03/24/2026: Resolved: Received master insurance policy | 03/24/2026: Resolved: Received master insurance policy |  |  | QC Complete | 03/03/2026 | 03/24/2026 | 03/24/2026 | 03/02/2026 |
| 260 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | CJKSDW4RLFG-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | The Note is illegible. Provide a copy of a legible Note document<br> 03/11/2026: Copy of a legible note provided. | 03/11/2026: Copy of a legible note provided. | 03/11/2026: Copy of a legible note provided. |  |  | QC Complete | 03/03/2026 | 03/11/2026 | 03/11/2026 | 03/02/2026 |
| 278 | XXXX | XXXX |  | XXXX | Nevada | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | ZGNMQZVI3YW-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an updated copy of the 1003 to reflect the property at "XXXX" as an investment property instead of a primary residence.<br>03/25/2006: Resolved: The borrower bought the property for his parent that is not able to work and per the guidelines can be considered a primary residence. | 03/25/2006: Resolved: The borrower bought the property for his parent that is not able to work and per the guidelines can be considered a primary residence. | 03/25/2006: Resolved: The borrower bought the property for his parent that is not able to work and per the guidelines can be considered a primary residence. |  |  | QC Complete | 03/13/2026 | 03/25/2026 | 03/25/2026 | 03/12/2026 |
| 283 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Refinance | Non-QM/Compliant | 4 | 1 | Credit | Doc Issue | LGV4WXGTJOS-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XXXX does not cover the loan amount $XXXX. Provide a copy of the title supplement report to cover the loan amount.<br> 04/03/2026: Resolved. Received updated title | 04/03/2026: Resolved. Received updated title | 04/03/2026: Resolved. Received updated title |  |  | QC Complete | 03/25/2026 | 04/03/2026 | 04/03/2026 | 03/24/2026 |
| 283 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Refinance | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | LGV4WXGTJOS-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.133% Allowed 7.480% Overby +0.653%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/25/2026 | 03/25/2026 | 03/25/2026 | 03/25/2026 |
| 283 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Refinance | Non-QM/Compliant | 4 | 1 | Credit | Credit | LGV4WXGTJOS-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of Verification of rent (VOR) in the amount of $4,000.00 for the property XXXX, as it is missing.<br>04/03/2026: Resolved. The VOR is not needed as the borrower has owned the primary residence for over 12 months and there is mortgage history provided. | 04/03/2026: Resolved. The VOR is not needed as the borrower has owned the primary residence for over 12 months and there is mortgage history provided. | 04/03/2026: Resolved. The VOR is not needed as the borrower has owned the primary residence for over 12 months and there is mortgage history provided. |  |  | QC Complete | 03/25/2026 | 04/03/2026 | 04/03/2026 | 03/24/2026 |
| 294 | XXXX | XXXX |  | XXXX | Georgia | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Guidelines | Y51CYZGCR1W-J587LE2V | Resolved | 4 | R | \* Loan does not conform to program guidelines (Lvl R) | The loan does not meet the SmartEdge guidelines, as the borrower is a first-time homebuyer with a DTI exceeding the allowable limit of 43%. The audited DTI is calculated at 48.42%<br>03/27/2026: Resolved. The 43% max DTI restriction for FTHB is only when borrower is living rent free. The borrowe rents and a copy of the lease and rent clearing bank account provided. | 03/27/2026: Resolved. The 43% max DTI restriction for FTHB is only when borrower is living rent free. The borrowe rents and a copy of the lease and rent clearing bank account provided. | 03/27/2026: Resolved. The 43% max DTI restriction for FTHB is only when borrower is living rent free. The borrowe rents and a copy of the lease and rent clearing bank account provided. |  |  | QC Complete | 04/16/2026 | 04/16/2026 | 04/16/2026 | 03/10/2026 |
| 297 | XXXX | XXXX |  | XXXX | New Jersey | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 13XYDKISPQC-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.674% Allowed 7.630% Overby +1.044%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/18/2026 | 03/18/2026 | 03/18/2026 | 03/17/2026 |
| 301 | XXXX | XXXX |  | XXXX | Colorado | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | B4EGU51DBXC-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide an LOX stating Borrower (XXXX) is staying rent-free in the property XXXX<br>03/18/2026 Resolved : The copy of LOX stating Borrower staying with Co-Borrower rent free resolves the condition. | 03/18/2026 Resolved : The copy of LOX stating Borrower staying with Co-Borrower rent free resolves the condition. | 03/18/2026 Resolved : The copy of LOX stating Borrower staying with Co-Borrower rent free resolves the condition. |  |  | QC Complete | 03/11/2026 | 03/19/2026 | 03/19/2026 | 03/11/2026 |
| 310 | XXXX | XXXX |  | XXXX | Utah | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 4 | 2 | Compliance | Compliance | 1QQQ1WBWJYP-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.752% Allowed 7.560% Overby +0.192%<br>This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 |  |  | QC Complete | 03/11/2026 | 03/11/2026 | 03/11/2026 | 03/11/2026 |
| 310 | XXXX | XXXX |  | XXXX | Utah | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 4 | 2 | Credit | Doc Issue | 1QQQ1WBWJYP-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Title coverage amount $XXXX on the title report is less than the mortgage loan amount of $XXXX. Provide a copy of Title Supplement to cover the loan amount OR final ALTA policy.<br>03/16/2026: Resolved. Updated title was provided. | 03/16/2026: Resolved. Updated title was provided. | 03/16/2026: Resolved. Updated title was provided. |  |  | QC Complete | 03/11/2026 | 03/16/2026 | 03/16/2026 | 03/11/2026 |
| 310 | XXXX | XXXX |  | XXXX | Utah | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | 1QQQ1WBWJYP-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Allow the borrower to complete a cash out refinance when living rent free.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 665 FICO exceeds the guideline requirement of 640.<br>Reserves: The 6.268 months of available reserves are more than the guideline requirement of 3 months.<br>DTI: 47.51% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 03/11/2026 |  |  | 03/11/2026 |
| 310 | XXXX | XXXX |  | XXXX | Utah | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 4 | 2 | Credit | Credit | 1QQQ1WBWJYP-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | The Loan Scorecard showing final approval/conditions/terms of the loan transaction is missing its 1st page. Please provide a 1st page (most current/passing score).<br> 03/17/2026: Resolved. Received complete loan scorecard. | 03/17/2026: Resolved. Received complete loan scorecard. | 03/17/2026: Resolved. Received complete loan scorecard. |  |  | QC Complete | 03/11/2026 | 03/17/2026 | 03/17/2026 | 03/11/2026 |
| 311 | XXXX | XXXX |  | XXXX | Virginia | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | SKKIVPRVV5Y-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide the missing 1st page of the loan scorecard.<br>03/27/2026: resolved. Received Loan Scorecard | 03/27/2026: resolved. Received Loan Scorecard | 03/27/2026: resolved. Received Loan Scorecard |  |  | QC Complete | 03/25/2026 | 03/27/2026 | 03/27/2026 | 03/24/2026 |
| 311 | XXXX | XXXX |  | XXXX | Virginia | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | SKKIVPRVV5Y-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide supporting document for revolving account-XXXX. This liability is disclosed on the final 1003 but is not on the credit report.<br>03/27/2026: Countered. The credit report provided does not show XXXX as a liability.<br> 04/01/2026: Countered. The credit report provided is only 14 pages. The credit report in the file does not show a XXXX. Provide supporting documents for XXXX<br> 04/06/2026 Countered: The credit report provided does not show a XXXX. Provide supporting documents for XXXX<br> 04/08/2026: Resolved. The XXXX is the same as the XXXX listed on the credit report #26 for for $18,694.00/$544. the whole account number is just not listed on the credit report. | 04/08/2026: Resolved. The XX #XXXX is the same as the XXXX listed on the credit report #26 for for $XX/$XX. the whole account number is just not listed on the credit report. | 04/08/2026: Resolved. The XXXX is the same as the XXXX listed on the credit report #26 for for $18,694.00/$544. the whole account number is just not listed on the credit report. |  |  | QC Complete | 03/25/2026 | 04/08/2026 | 04/08/2026 | 03/24/2026 |
| 316 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | JWJFWIU31CT-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | DTI exceeding allowable limit of 50% - Qualifying DTI currently 51.8%.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 740 FICO exceeds the guideline requirement of 640.<br>Reserves: The 9 months of available reserves are more than the guideline requirement of 6 months.<br>|  | QC Complete | 04/08/2026 |  |  | 04/08/2026 |
| 317 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | TIL | NO0AAJA51WP-9OPA4U12 | Resolved | 3 | R | \* Missing Closing Protection Letter (Lvl R) | The CPL in the loan file does not include the required lender loss payee verbiage.<br>04/02/2026: Resolved. In the state of TX it is not required | 04/02/2026: Resolved. In the state of TX it is not required | 04/02/2026: Resolved. In the state of TX it is not required |  |  | QC Complete | 04/16/2026 | 04/16/2026 | 04/16/2026 | 03/26/2026 |
| 318 | XXXX | XXXX |  | XXXX | Illinois | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | TM5MORU424T-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | The lender loss payee clause is present on the hazard insurance; however, it is missing ATIMA in the clause.<br> 03/23/2026; Resolved: Received updated HOI | 03/23/2026; Resolved: Received updated HOI | 03/23/2026; Resolved: Received updated HOI |  |  | QC Complete | 03/16/2026 | 03/23/2026 | 03/23/2026 | 03/13/2026 |
| 318 | XXXX | XXXX |  | XXXX | Illinois | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | TM5MORU424T-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the first page of the Loan Scorecard<br>03/25/2026: Resolved. Received loanscore card. | 03/25/2026: Resolved. Received loanscore card. | 03/25/2026: Resolved. Received loanscore card. |  |  | QC Complete | 03/16/2026 | 03/25/2026 | 03/25/2026 | 03/13/2026 |
| 321 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 54MWG5R12TE-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of the title supplement report to cover the loan amount, The amount of title insurance XXX does not cover the loan amount $XXXX<br> 04/08/2026: Resolved. Received updated title. | 04/08/2026: Resolved. Received updated title. | 04/08/2026: Resolved. Received updated title. |  |  | QC Complete | 02/25/2026 | 04/08/2026 | 04/08/2026 | 02/24/2026 |
| 321 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit |  | 54MWG5R12TE-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Provide a copy of master policy, dwelling amount on hazard insurance is not sufficient to cover the loan amount.<br>03/10/2026: Resolved. A copy of the master policy was provided. | 03/10/2026: Resolved. A copy of the master policy was provided. | 03/10/2026: Resolved. A copy of the master policy was provided. |  |  | QC Complete | 02/25/2026 | 03/10/2026 | 03/10/2026 | 02/24/2026 |
| 321 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 54MWG5R12TE-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Please provide a copy of the receipt for the $47 payment (tax, insurance, or HOA fee) for the property located at XXXX, as it is currently missing<br>03/10/2026: Rejected. Only provided proof of taxes for $23.49. Need proof of $47.00 used in calculations.<br>3/17/2026: Resolved. Received tax bill | 3/17/2026: Resolved. Received tax bill | 3/17/2026: Resolved. Received tax bill |  |  | QC Complete | 02/25/2026 | 03/17/2026 | 03/17/2026 | 02/25/2026 |
| 324 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | ZWV35SOAKI0-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Condo guidelines : < 500 Sq ft <br>A copy of an exception approval letter is available in the loan file. |  |  | DSCR: 1.09 DSCR exceeds the guideline requirement of 1.00.<br>LTV: 48.18% LTV is less than the guideline requirement of 85.00%.<br>FICO: 775 FICO exceeds the guideline requirement of 700. |  | QC Complete | 04/07/2026 |  |  | 04/07/2026 |
| 333 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | A0I5UQCBONM-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Note and mortgage document reflecting date as XX/XX/XXXX whereas 1003 and CD reflecting as XX/XX/XXXX, Provide a copy of corrected Note and Mortgage document.<br>03/19/2026: Resolved. A LOE was provided stating that the spplication and the CD were missed being signed at closing and were signed at a latr date. | 03/19/2026: Resolved. A LOE was provided stating that the spplication and the CD were missed being signed at closing and were signed at a latr date. | 03/19/2026: Resolved. A LOE was provided stating that the spplication and the CD were missed being signed at closing and were signed at a latr date. |  |  | QC Complete | 03/13/2026 | 03/19/2026 | 03/19/2026 | 03/12/2026 |
| 347 | XXXX | XXXX |  | XXXX | Georgia | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | AV2RCYRKUZR-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | The borrower has 8 NSFs on the business bank account, where guideline allows maximum of 6 NSF's.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 705 FICO exceeds the guideline requirement of 700.<br>LTV: 70.00% LTV is less than the guideline requirement of 80.00%.<br>DTI: 42.72% DTI is less than the maximum guideline requirement of 50.00%.<br>|  | QC Complete | 02/24/2026 |  |  | 02/24/2026 |
| 349 | XXXX | XXXX |  | XXXX | Massachusetts | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | 2FYDS2MNQ5Z-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing Business purpose certification.<br>02/19/2026: Business purpose & occupancy affidavit provided. | 02/19/2026: Business purpose & occupancy affidavit provided. | 02/19/2026: Business purpose & occupancy affidavit provided. |  |  | QC Complete | 04/16/2026 | 04/16/2026 | 04/16/2026 | 02/16/2026 |
| 361 | XXXX | XXXX |  | XXXX | Arkansas | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 0B410352VKJ-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide documentation supporting the HOA fees of $200.00, as reflected in the PITIA on the final loan application.<br> 03/24/2026: Resolved; Received LOE stating no HOA per appraisal and provided a corrected 1008 with HOA removed. | 03/24/2026: Resolved; Received LOE stating no HOA per appraisal and provided a corrected 1008 with HOA removed. | 03/24/2026: Resolved; Received LOE stating no HOA per appraisal and provided a corrected 1008 with HOA removed. |  |  | QC Complete | 03/16/2026 | 03/24/2026 | 03/24/2026 | 03/13/2026 |
| 368 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Title Policy | IXUKHOESBFM-INMPEQ44 | Resolved | 3 | R | \* Closing Protection Letter Missing (Lvl R) | The CPL in the loan file does not include the required Lender Loss Payee verbiage and is missing "ISAOA/ATIMA." Please provide a copy with the complete Lender Loss Payee clause.<br> 03/24/2026: Resolved. Recieved lox stating that Texas has a different clause | 03/24/2026: Resolved. Recieved lox stating that Texas has a different clause | 03/24/2026: Resolved. Recieved lox stating that Texas has a different clause |  |  | QC Complete | 03/18/2026 | 03/24/2026 | 03/24/2026 | 03/17/2026 |
| 369 | XXXX | XXXX |  | XXXX | Pennsylvania | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | YSOOUEARQHJ-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing.<br>03/18/2026: Resolved. Received Business Purpose. | 03/18/2026: Resolved. Received Business Purpose. | 03/18/2026: Resolved. Received Business Purpose. |  |  | QC Complete | 03/12/2026 | 03/18/2026 | 03/18/2026 | 03/12/2026 |
| 385 | XXXX | XXXX |  | XXXX | Washington D.C. | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | QAETFXRV3NN-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Condo guidelines : 55% commercial<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 780 FICO exceeds the guideline requirement of 680.<br>DTI: 25.36% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 16 months of available reserves are more than the guideline requirement of 5 months.<br>|  | QC Complete | 02/26/2026 |  |  | 02/25/2026 |
| 385 | XXXX | XXXX |  | XXXX | Washington D.C. | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | QAETFXRV3NN-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of revised Hazard insurance and master policy including Lender ISAOA/ATIMA clause, as is it missing.<br>03/09/2026 Not Resolved: ONLY THE HO6 POLICY WAS PROVIDED WITH CORRECTION. THE MASTER INSURANCE POLICY IS NEEDED AS WELL.<br>03/19/2026 Resolved : Resolved as the master policy is acceptable if the H06 has the correct mortgagee clause. | 03/19/2026 Resolved : Resolved as the master policy is acceptable if the H06 is having the correct mortgagee clause. | 03/19/2026 Resolved : Resolved as the master policy is acceptable if the H06 is having the correct mortgagee clause. |  |  | QC Complete | 02/26/2026 | 03/19/2026 | 03/19/2026 | 02/26/2026 |
| 386 | XXXX | XXXX |  | XXXX | Michigan | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | PT3EWM5LC1L-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Provide an updated supporting document for Co-borrower XXXX ID, as the current ID has expired on 02/XX/2026.<br>03/19/2026: Resolved. Received copy of passport. | 03/19/2026: Resolved. Received copy of passport. | 03/19/2026: Resolved. Received copy of passport. |  |  | QC Complete | 03/11/2026 | 03/19/2026 | 03/19/2026 | 03/11/2026 |
| 387 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Refinance | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | TM2XF1NNTB1-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan program does not meet guidelines requirement, property is Multi-Family home w/ ADU<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 41.733% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 750 FICO exceeds the guideline requirement of 640.<br>LTV: 72.95% LTV is less than the guideline requirement of 80.00%. |  | QC Complete | 04/16/2026 |  |  | 02/25/2026 |
| 395 | XXXX | XXXX |  | XXXX | Louisiana | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | FOG1OGTL0ZH-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 7.733% Allowed 7.490% Overby +0.243%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/13/2026 | 03/13/2026 | 03/13/2026 | 03/12/2026 |
| 395 | XXXX | XXXX |  | XXXX | Louisiana | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | FOG1OGTL0ZH-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Resolved 03/18/2026: Received Initial Closing Disclosure dated 02/26/2026 and exception is cleared. | Resolved 03/18/2026: Received Initial Closing Disclosure dated 02/26/2026 and exception is cleared. | Resolved 03/18/2026: Received Initial Closing Disclosure dated 02/26/2026 and exception is cleared. |  |  | QC Complete | 03/13/2026 | 03/18/2026 | 03/18/2026 | 03/12/2026 |
| 402 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | DROEBC55PDO-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of missing 1st page of Loan score card.<br>02/27/2026: Complete loanscore card provided. | 02/27/2026: Complete loanscore card provided. | 02/27/2026: Complete loanscore card provided. |  |  | QC Complete | 02/25/2026 | 02/27/2026 | 02/27/2026 | 02/25/2026 |
| 405 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | KOPNM4V0NK1-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>03/25/2026: Resolved. Received updated title | 03/25/2026: Resolved. Received updated title | 03/25/2026: Resolved. Received updated title |  |  | QC Complete | 03/13/2026 | 03/25/2026 | 03/25/2026 | 03/12/2026 |
| 407 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | HFXQ5E1ZKHL-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the Business Purpose Loan Certification, signed by the borrower, as it is missing.<br>03/18/2026: Resolved. Received Business Purpose. | 03/18/2026: Resolved. Received Business Purpose. | 03/18/2026: Resolved. Received Business Purpose. |  |  | QC Complete | 03/13/2026 | 03/18/2026 | 03/18/2026 | 03/12/2026 |
| 415 | XXXX | XXXX |  | XXXX | Kansas | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | GV2MTD0QHU2-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of SSA Award letter to verify the SSI income $2,083.00<br>03/26/2026: Resolved. SSI is reporting on XX #XX | 03/26/2026: Resolved. SSI is reporting on XX #XX | 03/26/2026: Resolved. SSI is reporting on XXXX |  |  | QC Complete | 03/13/2026 | 03/26/2026 | 03/26/2026 | 03/12/2026 |
| 420 | XXXX | XXXX |  | XXXX | Indiana | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | D4KO2PV00OA-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a Letter of Explanation (LOE) confirming that the borrower is residing rent-free at XXXX.<br>02/09/2026 LOE provided from XXXX, Post Closing Senior, from XXXX: From the underwriting team: Rent free letters aren't required, not a first time homebuyer, no red flags or any indication borrower is paying rent. | 02/09/2026 LOE provided from XXXX, Post Closing Senior, from Newrez: From the underwriting team: Rent free letters aren't required, not a first time homebuyer, no red flags or any indication borrower is paying rent. | 02/09/2026 LOE provided from XXXX, Post Closing Senior, from XXXX: From the underwriting team: Rent free letters aren't required, not a first time homebuyer, no red flags or any indication borrower is paying rent. |  |  | QC Complete | 02/12/2026 | 04/16/2026 | 04/16/2026 | 02/12/2026 |
| 422 | XXXX | XXXX |  | XXXX | Ohio | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | TARHYFKN5Y3-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.758% Allowed 7.640% Overby+0.118%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 02/12/2026 | 02/12/2026 | 02/12/2026 | 02/12/2026 |
| 425 | XXXX | XXXX |  | XXXX | Arizona | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | CUZQO4YPUEJ-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of HOA statement and insurance Invoice both showing the premiums for each for property address "XXXX" (Monthly cost would need to be added to final DTI).<br>03/19/2026: Not resolved. Still need insurance invoice for property XXXX<br>03/26/2026: Resolved. Received proof of PITI | 03/26/2026: Resolved. Received proof of PITI | 03/26/2026: Resolved. Received proof of PITI |  |  | QC Complete | 03/10/2026 | 03/26/2026 | 03/26/2026 | 03/10/2026 |
| 432 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XMKYASLJHTK-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.643% Allowed 7.480% Over by +0.163%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/25/2026 |
| 441 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | HKQCBPBWUSY-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test Charged 7.994% Allowed 7.640% Overby +0.354%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 02/10/2026 | 02/10/2026 | 02/10/2026 | 02/10/2026 |
| 446 | XXXX | XXXX |  | XXXX | Ohio | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | MII150L4OOW-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.247% Allowed 7.600% Overby +0.647%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/24/2026 | 03/24/2026 | 03/24/2026 | 03/24/2026 |
| 448 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | LDAAILZ5MI1-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | The loan file does not meet the guideline requirement for a second appraisal on loan amounts exceeding $XXXX. The current loan amount is $XXXX<br> 02/25/2026: Guidelines dated 09/25/2025 state the following; • Appraisal Requirements<br> o ≤ $1,500,000: One appraisal<br> o > $1,500,000: Two appraisals<br> an additional appraisal is required for loan amount over $1,500,000.00<br>03/27/2026: Resolved. client used guidelines from 12/18/2025 v25.11 which allows <$2,000,000.00 one appraisal | 03/27/2026: Resolved. client used guidelines from 12/18/2025 v25.11 which allows <$2,000,000.00 one appraisal | 03/27/2026: Resolved. client used guidelines from 12/18/2025 v25.11 which allows <$2,000,000.00 one appraisal |  |  | QC Complete | 02/12/2026 | 03/27/2026 | 03/27/2026 | 02/11/2026 |
| 452 | XXXX | XXXX |  | XXXX | Ohio | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | ZO2IME5LXHA-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Allowing exception for minimum loan amount. Loan amount is $XXXX less than the minimum loan amount of $100,000.<br>A copy of an exception approval letter is available in the loan file. |  |  | DSCR: 1.34 DSCR exceeds the guideline requirement of 0.50.<br>FICO: 765 FICO exceeds the guideline requirement of 700.<br>Reserves: The 47 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 03/24/2026 |  |  | 03/24/2026 |
| 455 | XXXX | XXXX |  | XXXX | Pennsylvania | XX/XX/XXXX | Purchase | Not Covered/Exempt | 4 | 1 | Credit | Credit | FTX4JQOKM3J-JB8D6DUS | Resolved | 3 | R | \* Missing Final 1003_Application (Lvl R) | Missing final application.<br>03/23/2026: Resolved. Received final 1003 | 03/23/2026: Resolved. Received final 1003 | 03/23/2026: Resolved. Received final 1003 |  |  | QC Complete | 04/16/2026 | 04/16/2026 | 04/16/2026 | 04/16/2026 |
| 455 | XXXX | XXXX |  | XXXX | Pennsylvania | XX/XX/XXXX | Purchase | Not Covered/Exempt | 4 | 1 | Credit | Guidelines | FTX4JQOKM3J-J587LE2V | Resolved | 4 | R | \* Loan does not conform to program guidelines (Lvl R) | The loan does not meet Smarvest guidelines, as first-time homebuyers are not permitted.<br>03/25/2026: Resolved: Received a copy of a settlement statement showing borrower had sold a recently owned property. | 03/25/2026: Resolved: Received a copy of a settlement statement showing borrower had sold a recently owned property. | 03/25/2026: Resolved: Received a copy of a settlement statement showing borrower had sold a recently owned property. |  |  | QC Complete | 04/16/2026 | 04/16/2026 | 04/16/2026 | 03/17/2026 |
| 459 | XXXX | XXXX |  | XXXX | Colorado | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit |  | LW4BVBOIZ1G-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Hazard insurance policy reflects an incorrect mortgagee clause listing XXXX. Please provide an updated hazard insurance policy showing the correct mortgagee clause with the lender's name (XXXX) and address.<br> 03/24/2026: Resolved: Received updated HOI | 03/24/2026: Resolved: Received updated HOI | 03/24/2026: Resolved: Received updated HOI |  |  | QC Complete | 03/12/2026 | 03/24/2026 | 03/24/2026 | 03/11/2026 |
| 460 | XXXX | XXXX |  | XXXX | Georgia | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | LQ51DVKQCDX-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.092% Allowed 7.600% Overby +0.492%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/13/2026 | 03/13/2026 | 03/13/2026 | 03/12/2026 |
| 463 | XXXX | XXXX |  | XXXX | Tennessee | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | AQX30NMEVAZ-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the updated insurance document that includes the required ATIMA/ISAOA lender loss payee clause.<br> 03/24/2026: Resolved: Loan is a correspondent and mortgagee clause is the brokers. | 03/24/2026: Resolved: Loan is a correspondent and mortgagee clause is the brokers. | 03/24/2026: Resolved: Loan is a correspondent and mortgagee clause is the brokers. |  |  | QC Complete | 03/03/2026 | 03/24/2026 | 03/24/2026 | 03/02/2026 |
| 468 | XXXX | XXXX |  | XXXX | Washington | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | QJZIXGDVQLG-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the first page of the loan scorecard, as it is missing<br>02/19/2026: Complete copy of Loanscore card provided. | 02/19/2026: Complete copy of Loanscore card provided. | 02/19/2026: Complete copy of Loanscore card provided. |  |  | QC Complete | 02/13/2026 | 02/19/2026 | 02/19/2026 | 02/13/2026 |
| 483 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | SUNFOLMUABL-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing Business purpose certification.<br>02/19/2026: Business purpose & occupancy affidavit provided. | 02/19/2026: Business purpose & occupancy affidavit provided. | 02/19/2026: Business purpose & occupancy affidavit provided. |  |  | QC Complete | 04/16/2026 | 04/16/2026 | 04/16/2026 | 02/16/2026 |
| 484 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | FYLK0PR0LFY-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | The loan was locked as a no cash-out refinance, however the Closing Disclosure (CD) reflects cash back to the borrower in the amount of $XXXX<br>03/20/2026: Resolved; received lox that loan was a delayed financing. | 03/20/2026: Resolved; received lox that loan was a delayed financing. | 03/20/2026: Resolved; received lox that loan was a delayed financing. |  |  | QC Complete | 04/16/2026 | 04/16/2026 | 04/16/2026 | 03/16/2026 |
| 484 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | FYLK0PR0LFY-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Proof of omission for Home Equity Deed of trust dated Oct 28, 2023, executed by XXXX to XXXX, Trustee, filed for record in county clerk's file no. instrument no. XXXX of the official public records of young county, Texas, on Nov 8, 2023, securing XXXX<br>03/20/2026: Resolved; loan closed as delayed financing. Have release of lien from previous owner and CD of purchase , documented as delayed financing. | 03/20/2026: Resolved; Received lox that loan was a delayed financing. | 03/20/2026: Resolved; Received lox that loan was a delayed financing. |  |  | QC Complete | 04/16/2026 | 04/16/2026 | 04/16/2026 | 03/16/2026 |
| 490 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Appraisal | VC44BU3UXWC-ANNC2X7V | Resolved | 3 | R | \* The Appraisal License is Missing (Lvl R) | Appraisal License is missing.<br>03/25/2026: Received copy of license | 03/25/2026: Received copy of license | 03/25/2026: Received copy of license |  |  | QC Complete | 03/13/2026 | 03/25/2026 | 03/25/2026 | 03/12/2026 |
| 493 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | H0DRBT2BPE4-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.251% Allowed 7.630% Overby +0.621%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 02/27/2026 | 02/27/2026 | 02/27/2026 | 02/26/2026 |
| 506 | XXXX | XXXX |  | XXXX | Washington | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | FGQUOIQMHDN-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a credit supplement for XXXX, as the payment and balance are not reflected on the credit report.<br>03/18/2026 Resolved : The copy of UDM resolves the condition. | 03/18/2026 Resolved : The copy of UDM resolves the condition. | 03/18/2026 Resolved : The copy of UDM resolves the condition. |  |  | QC Complete | 03/13/2026 | 03/19/2026 | 03/19/2026 | 03/12/2026 |
| 514 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Property | QAQL31CIADJ-7BC6773S | Resolved | 3 | R | \* Property Issues indicated (Lvl R) | Subject property is Investment and in appraisal report Occupant is Owner. Provide a copy of updated Appraisal Report.<br>03/25/2026: Resolved. Received a copy of the lease showing property is tenant occupied. Appraisal occupancy is overlapping. | 03/25/2026: Resolved. Received a copy of the lease showing property is tenant occupied. Appraisal occupancy is overlapping. | 03/25/2026: Resolved. Received a copy of the lease showing property is tenant occupied. Appraisal occupancy is overlapping. |  |  | QC Complete | 02/24/2026 | 03/25/2026 | 03/25/2026 | 02/24/2026 |
| 515 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | RKQOXBKDGLE-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the consolidated mortgage document, as it is missing.<br>03/27/2026: Resolved. Received the consolidation, extension, and modification agreement. | 03/27/2026: Resolved. Received the consolidation, extension, and modification agreement. | 03/27/2026: Resolved. Received the consolidation, extension, and modification agreement. |  |  | QC Complete | 03/25/2026 | 03/27/2026 | 03/27/2026 | 03/24/2026 |
| 520 | XXXX | XXXX |  | XXXX | Ohio | XX/XX/XXXX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | CVR3PR50FM5-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | FTHB Living rent free for over 12 months.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 734 FICO exceeds the guideline requirement of 700.<br>Reserves: The 9 months of available reserves are more than the guideline requirement of 3 months.<br>DTI: 37.76% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 03/26/2026 |  |  | 03/25/2026 |
| 522 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 1HIG1WSVPUX-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XXXX does not cover the loan amount $XXXX. Provide a copy of the title supplement report to cover the loan amount.<br>03/17/2026: Resolved. Received updated title. | 03/17/2026: Resolved. Received updated title. | 03/17/2026: Resolved. Received updated title. |  |  | QC Complete | 02/11/2026 | 03/17/2026 | 03/17/2026 | 02/11/2026 |
| 525 | XXXX | XXXX |  | XXXX | Maryland | XX/XX/XXXX | Refinance | Not Covered/Exempt | 4 | 1 | Compliance | Compliance | RQV2OYPCHS2-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | Maryland COMAR 09.03.06.02B(13) , COMAR09.03.09.02B(6) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR).<br>MD COMAR Higher-Priced Mortgage Loan Test: Charged 7.984% Allowed 7.560% Overby +0.424%<br>This loan is compliant with regulation Maryland COMAR 09.03.06.02B(13) , COMAR09.03.09.02B(6). | This loan is compliant with regulation Maryland COMAR 09.03.06.02B(13) , COMAR09.03.09.02B(6). | This loan is compliant with regulation Maryland COMAR 09.03.06.02B(13) , COMAR09.03.09.02B(6). |  |  | QC Complete | 02/10/2026 | 02/10/2026 | 02/10/2026 | 02/10/2026 |
| 525 | XXXX | XXXX |  | XXXX | Maryland | XX/XX/XXXX | Refinance | Not Covered/Exempt | 4 | 1 | Compliance | Compliance | RQV2OYPCHS2-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.984% Allowed 7.560% Overby +0.424%<br>This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 |  |  | QC Complete | 02/10/2026 | 02/10/2026 | 02/10/2026 | 02/10/2026 |
| 528 | XXXX | XXXX |  | XXXX | Michigan | XX/XX/XXXX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | VRHRHXQS04G-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Non Arm's Length Transaction. <br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 792 FICO exceeds the guideline requirement of 720.<br>Reserves: The 32 months of available reserves are more than the guideline requirement of 6 months.<br>DSCR: 1.30 DSCR exceeds the guideline requirement of 1.00. |  | QC Complete | 03/24/2026 |  |  | 03/24/2026 |
| 538 | XXXX | XXXX |  | XXXX | Massachusetts | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | NB4YI35Z5L4-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | MA 209 CMR 32.35 Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Massachusetts Regulations.<br>MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 8.230% Allowed 7.630% Overby +0.600%<br>This loan is compliant with regulation MA 209 CMR 32.35. | This loan is compliant with regulation MA 209 CMR 32.35. | This loan is compliant with regulation MA 209 CMR 32.35. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/26/2026 |
| 538 | XXXX | XXXX |  | XXXX | Massachusetts | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | NB4YI35Z5L4-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 8.230% Allowed 7.630% Overby +0.600%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/25/2026 |
| 540 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 3TGQGW0VSB0-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing HO6 policy for subject property address XXXX<br>03/27/2026: Resolved. Received master policy which shows walls in included in master policy. | 03/27/2026: Resolved. Received master policy which shows walls in included in master policy. | 03/27/2026: Resolved. Received master policy which shows walls in included in master policy. |  |  | QC Complete | 03/24/2026 | 03/27/2026 | 03/27/2026 | 03/24/2026 |
| 541 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | SDJKOKPHNMI-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | Borrower government-issued ID expired on 04/23/2025 prior to the closing date 02/24/2026. Provide a valid, unexpired government ID.<br>03/18/2026: Resolved. Received updated ID | 03/18/2026: Resolved. Received updated ID | 03/18/2026: Resolved. Received updated ID |  |  | QC Complete | 03/12/2026 | 03/18/2026 | 03/18/2026 | 03/11/2026 |
| 557 | XXXX | XXXX |  | XXXX | Colorado | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Doc Issue | T4YY5N4ASLB-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>03/03/2026; Received updated title with policy amount as $XXXX | 03/03/2026; Received updated title with policy amount as $XXXX | 03/03/2026; Received updated title with policy amount as $XXXX |  |  | QC Complete | 02/16/2026 | 03/03/2026 | 03/03/2026 | 02/13/2026 |
| 557 | XXXX | XXXX |  | XXXX | Colorado | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | T4YY5N4ASLB-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide Final CD and settlement statement for the pending proceeds $191,672 for the property XX.<br>03/17/2026: Resolved. Received settlement statement showing proceeds of $191,811.30. Borrower has enough assets to cover reserves and cash to close. | 03/17/2026: Resolved. Received settlement statement showing proceeds of $XXXX. Borrower has enough assets to cover reserves and cash to close. | 03/17/2026: Resolved. Received settlement statement showing proceeds of $XXXX. Borrower has enough assets to cover reserves and cash to close. |  |  | QC Complete | 02/16/2026 | 03/17/2026 | 03/17/2026 | 02/13/2026 |
| 557 | XXXX | XXXX |  | XXXX | Colorado | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | T4YY5N4ASLB-J587LE2V | Waived | 3 | W | \* Loan does not conform to program guidelines (Lvl W) | The loan file does not meet guideline requirements, as properties exceeding 20 acres are not eligible. The subject property is XX acres; therefore, a full exception approval is required. The exception approval email is incomplete and does not include comp factors.<br>02/19/2026: Exception approval received but missing compensating factors. <br> 02/25/2026: compensating factors provided |  |  | FICO: 703 FICO exceeds the guideline requirement of 640.<br>LTV: 72.10% LTV is less than the guideline requirement of 80.00%. |  | QC Complete | 02/16/2026 |  |  | 02/13/2026 |
| 562 | XXXX | XXXX |  | XXXX | Kentucky | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | WUEIS0Y4ONM-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the bank statement XX business XXXX, dated 08/01/205-08/31/2025, as it is missing<br>03/18/2026: Resolved. Received bank statement | 03/18/2026: Resolved. Received bank statement | 03/18/2026: Resolved. Received bank statement |  |  | QC Complete | 03/10/2026 | 03/18/2026 | 03/18/2026 | 03/10/2026 |
| 566 | XXXX | XXXX |  | XXXX | Connecticut | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | HQLQCWTKKZG-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>02/19/2026 Resolved : The copy of updated title commitment resolves the condition. | 02/19/2026 Resolved : The copy of updated title commitment resolves the condition. | 02/19/2026 Resolved : The copy of updated title commitment resolves the condition. |  |  | QC Complete | 02/12/2026 | 02/19/2026 | 02/19/2026 | 02/12/2026 |
| 569 | XXXX | XXXX |  | XXXX | Colorado | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 2 | Valuation | Doc Issue | TP253M1PLKM-WMO0OGAE | Waived | 3 | W | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl W) | The loan file does not meet guideline requirements, as properties exceeding 20 acres are not eligible. The subject property consists of XXXX acres, which exceeds the allowable limit. a full exception approval is required. The exception approval email is incomplete and does not include comp factors.<br>02/19/2026 Not Resolved: Exception approval received but missing compensating factors. Please provide.<br>02/25/2026: A copy of an exception approval letter has been received. |  |  | LTV: 31.42% LTV is less than the guideline requirement of 70.00%<br>FICO: 794 FICO exceeds the guideline requirement of 680.<br>Reserves: the 61 months of available reserves are more than the guideline requirement of 6 months |  | QC Complete | 02/12/2026 |  |  | 02/12/2026 |
| 569 | XXXX | XXXX |  | XXXX | Colorado | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 2 | Valuation | Property | TP253M1PLKM-7BC6773S | Waived | 3 | W | \* Property Issues indicated (Lvl W) | The loan file does not meet guideline requirements, as properties classified as log homes are excluded from eligibility. A full exception approval is required. The exception approval email provided is incomplete and does not include comp factors.<br>02/26/2026: A copy of an exception approval letter has been received. |  |  | LTV: 31.42% LTV is less than the guideline requirement of 70.00%<br>FICO: 794 FICO exceeds the guideline requirement of 680.<br>Reserves: the 61 months of available reserves are more than the guideline requirement of 6 months |  | QC Complete | 02/12/2026 |  |  | 02/12/2026 |
| 570 | XXXX | XXXX |  | XXXX | New Hampshire | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | UT5PB22H1GD-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial Closing Disclosure.<br>Resolved 03/18/2026: Received Initial Closing Disclosure dated 02/17/2026 and exception is cleared. | Resolved 03/18/2026: Received Initial Closing Disclosure dated 02/17/2026 and exception is cleared. | Resolved 03/18/2026: Received Initial Closing Disclosure dated 02/17/2026 and exception is cleared. |  |  | QC Complete | 03/10/2026 | 03/18/2026 | 03/18/2026 | 03/10/2026 |
| 571 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XLM2UYXJFQA-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.798% Allowed 7.630% Over By+0.168%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 02/24/2026 | 02/24/2026 | 02/24/2026 | 02/24/2026 |
| 576 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | IVPM1S0J242-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide the missing 1st page of the loan scorecard.<br>03/27/2026: Resolved. Received loanscore card. | 03/27/2026: Resolved. Received loanscore card. | 03/27/2026: Resolved. Received loanscore card. |  |  | QC Complete | 03/25/2026 | 03/27/2026 | 03/27/2026 | 03/25/2026 |
| 581 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | RIYBKRC5PWW-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Allowing loan amount $XXXX and minimum loan amount required is 100,000<br>A copy of an exception approval letter is available in the loan file. |  |  | DSCR: 1.53 DSCR exceeds the guideline requirement of 0.50.<br>Reserves: The 76 months of available reserves are more than the guideline requirement of 6 months.<br>FICO: 721 FICO exceeds the guideline requirement of 700.<br>|  | QC Complete | 03/25/2026 |  |  | 03/25/2026 |
| 586 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | GM3MLQD45VT-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception approval requested to allow 100% utilization of business assets for income qualification, whereas the guidelines permit only 75% utilization of business assets.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 731 FICO exceeds the guideline requirement of 720.<br>LTV: 80.00% LTV is less than the guideline requirement of 90.00%.<br>DTI: 47.15% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 03/26/2026 |  |  | 03/25/2026 |
| 597 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | R5LQR3JKGWH-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Qualified Mortgage Safe Harbor Threshold: Charged 7.996% Allowed 7.600% Overby +0.396%.<br>This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 |  |  | QC Complete | 02/26/2026 | 02/26/2026 | 02/26/2026 | 02/26/2026 |
| 600 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Property | 4V2F4SY3U4S-5COCFHAP | Resolved | 3 | R | \* Completed "Subject To" w/o Compltn Cert in File (Lvl R) | Provide a copy of 1004D.<br>03/06/2026: Rejected. If appraiser is saying no repairs are needed then he needs to update the appraisal to AS IS.. He can make a comment that the ownership needs converted from leasehold to fee simple and an updated appraisal will be needed.<br>03/09/2026: Rejected. If appraiser is saying no repairs are needed then he needs to update the appraisal to AS IS.. He can make a comment that the ownership needs converted from leasehold to fee simple and an updated appraisal will be needed.<br>03/16/2026: Resolved. Appraiser added the following comment; There is no difference in value associated with form of ownership, as evidenced by paired date sales analysis based on comps provided on the grid herein. | 03/16/2026: Resolved. Appraiser added the following comment; There is no difference in value associated with form of ownership, as evidenced by paired date sales analysis based on comps provided on the grid herein. | 03/16/2026: Resolved. Appraiser added the following comment; There is no difference in value associated with form of ownership, as evidenced by paired date sales analysis based on comps provided on the grid herein. |  |  | QC Complete | 02/24/2026 | 03/17/2026 | 03/17/2026 | 02/24/2026 |
| 607 | XXXX | XXXX |  | XXXX | Michigan | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | P2FP44IQ1OZ-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Documentation Missing Initial Closing Disclosure therefore the system input is incomplete and the compliance tolerance test was not completed.<br>03/16/2026: a copy of the initial CD was provided.<br>Resolved 03/16/2026: Received Initial Closing Disclosure dated 01/21/2026 and exception is cleared. | 03/16/2026: a copy of the initial CD was provided.<br>Resolved 03/16/2026: Received Initial Closing Disclosure dated XX/XX/XXXX and exception is cleared. | 03/16/2026: a copy of the initial CD was provided.<br>Resolved 03/16/2026: Received Initial Closing Disclosure dated 01/21/2026 and exception is cleared. |  |  | QC Complete | 03/09/2026 | 03/16/2026 | 03/16/2026 | 03/09/2026 |
| 624 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Purchase | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | 35N3WPOYJUX-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Housing Payment History : FTHB with no housing history/living rent free for more than 3 years<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 80.00% LTV is less than the guideline requirement of 85.00%.<br>FICO: 734 FICO exceeds the guideline requirement of 700.<br>DTI: 40.90% DTI is less than the maximum guideline requirement of 50.00%.<br>|  | QC Complete | 03/24/2026 |  |  | 03/24/2026 |
| 629 | XXXX | XXXX |  | XXXX | Ohio | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Credit | OWJQINH4421-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Supporting documentation for the $1,283.33 listed under "Other Liabilities" is required.<br> 03/06/2026: Resolved. An updated 1008 was provided removing the $1,283.33 debt. | 03/06/2026: Resolved. An updated 1008 was provided removing the $1,283.33 debt. | 03/06/2026: Resolved. An updated 1008 was provided removing the $1,283.33 debt. |  |  | QC Complete | 02/27/2026 | 03/06/2026 | 03/06/2026 | 02/27/2026 |
| 629 | XXXX | XXXX |  | XXXX | Ohio | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | OWJQINH4421-J587LE2V | Resolved | 2 | R | \* Loan does not conform to program guidelines (Lvl R) | A portion of the subject land is currently leased for agricultural use. Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>03/06/2026: Rejected. Only 1 compesating factor was provided<br>03/16/2026: Waived: additional comp factors provided. 769 FICO vs minimum 640, $26k is post closing reserves. 7 + years employed history. 20% of own funds into subject property.<br>04/23/2026: Resolved: A copy of the borrower's letter of explanation has been received stating that there is no active agricultural (farming) lease for the property at XXXX and the land will not be leased for farming after the purchase. | 04/23/2026: Resolved: A copy of the borrower's letter of explanation has been received stating that there is no active agricultural (farming) lease for the property at XXXX and the land will not be leased for farming after the purchase. | 04/23/2026: Resolved: A copy of the borrower's letter of explanation has been received stating that there is no active agricultural (farming) lease for the property at XXXX and the land will not be leased for farming after the purchase. |  |  | QC Complete | 02/27/2026 | 04/23/2026 | 04/23/2026 | 02/27/2026 |
| 629 | XXXX | XXXX |  | XXXX | Ohio | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 2 | Valuation | Property | OWJQINH4421-I303N0YD | Waived | 4 | W | \* Property zoned rural and contains more than 10 acres (Lvl W) | Guidelines permit a maximum of 10 acres for rural properties; however, the subject property consists of XXXX acres, which exceeds the allowable limit.<br>03/19/2026 Not Resolved : Full exception approval is required. The exception approval email is incomplete and is missing comp factors in detail.<br>03/24/2026: Waived: Received comp factors: 769 FICO vs minimum 640 FICO required. $26k in post closing reserves vs. min $12,000 required. 7+ years self employed history vs. minimum required 2 years self employment. 20% own funds into the subject transaction. |  |  | FICO: 769 FICO exceeds the guideline requirement of 640.<br> $26k in post closing reserves vs. min $12,000 required. <br> 7+ years self employed history vs. minimum required 2 years self employment. <br> 20% own funds into the subject transaction. |  | QC Complete | 02/27/2026 |  |  | 02/27/2026 |
| 634 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Credit | PXS0I1YQUPD-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Please provide supporting documentation for the $150 other payment for the subject property, reflecting the monthly payment amount.<br>03/25/2026: Resolved. The $150.00 was added in error. Corrected 1003 and 1008 provided with the amount removed. | 03/25/2026: Resolved. The $150.00 was added in error. Corrected 1003 and 1008 provided with the amount removed. | 03/25/2026: Resolved. The $150.00 was added in error. Corrected 1003 and 1008 provided with the amount removed. |  |  | QC Complete | 03/13/2026 | 03/25/2026 | 03/25/2026 | 03/12/2026 |
| 634 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Credit | Guidelines | PXS0I1YQUPD-J587LE2V | Resolved | 3 | R | \* Loan does not conform to program guidelines (Lvl R) | The subject Property is zoned as a Rural location with XXXX Acres, per the appraisal. This is unacceptable as per guidelines however there is no exception request/approval found in the loan file. Please provide a copy of the exception approval.<br>03/25/2026: The property is zoned Agricultural/rural residential with the size as XXXX ac. Guidelines state properties > 20 acres not allowed. Property within guidelines | 03/25/2026: The property is zoned Agricultural/rural residential with the size as XXXX ac. Guidelines state properties > 20 acres not allowed. Property within guidelines | 03/25/2026: The property is zoned Agricultural/rural residential with the size as XXXX ac. Guidelines state properties > 20 acres not allowed. Property within guidelines |  |  | QC Complete | 03/13/2026 | 03/25/2026 | 03/25/2026 | 03/25/2026 |
| 634 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | PXS0I1YQUPD-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 8.351% Allowed 7.630% Overby +0.721%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/13/2026 | 03/13/2026 | 03/13/2026 | 03/13/2026 |
| 648 | XXXX | XXXX |  | XXXX | Washington | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | YIS45UVG2AI-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Missing Business Purpose affidavit.<br>03/18/2026 Resolved: The copy of Business Purpose affidavit resolves the condition. | 03/18/2026 Resolved: The copy of Business Purpose affidavit resolves the condition. | 03/18/2026 Resolved: The copy of Business Purpose affidavit resolves the condition. |  |  | QC Complete | 04/16/2026 | 04/16/2026 | 04/16/2026 | 03/13/2026 |
| 666 | XXXX | XXXX |  | XXXX | Maryland | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | M34JLSZEYU5-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | A Verification of Mortgage (VOM) is required for XXXX for the subject property.<br>03/02/2026: Not Resolved: A payoff and copy of the note were provided. A VOM is needed.<br>03/13/2026: Not Resolved. The guidelines don't specify if by LLC or individual. 5A.6(f) Verification of Mortgage<br> Mortgage payment histories verified on the credit report do not have to be independently verified.<br> If the mortgage is not verified on the credit report it must be documented by one (1) of the following:<br> Verification of Mortgage (VOM), by a professional management company and/or private party;<br> A copy of the Note and 12 months' cancelled checks or bank statements; or<br> Credit supplement verifying the housing payment history.<br>03/25/2026; Resolved. Borrower is not liable for the mortgage. The mortgage is in the name of a LLC. | 03/25/2026; Resolved. Borrower is not liable for the mortgage. The mortgage is in the name of a LLC. | 03/25/2026; Resolved. Borrower is not liable for the mortgage. The mortgage is in the name of a LLC. |  |  | QC Complete | 02/24/2026 | 03/25/2026 | 03/25/2026 | 02/25/2026 |
| 666 | XXXX | XXXX |  | XXXX | Maryland | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | M34JLSZEYU5-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XXXX does not cover the loan amount $XXXX. Provide a copy of the title supplement report to cover the loan amount.<br>03/02/2026: Title provided with policy amount of $XXXX | 03/02/2026: Title provided with policy amount of $XXXX | 03/02/2026: Title provided with policy amount of $XXXX |  |  | QC Complete | 02/24/2026 | 03/02/2026 | 03/02/2026 | 02/23/2026 |
| 670 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Property | F55LFXAFU1W-7BC6773S | Resolved | 3 | R | \* Property Issues indicated (Lvl R) | Provide a copy of the 1004D form with the required inspection, addressing the extraordinary assumption that the noted condition or deficiency does not require alteration or repair, specifically regarding the broken window glass<br>02/19/2026 REJECTED The letter provided and pictures are not from the appraiser that completed the appraisal and it is not on a 1004D. a 1004D from the appraiser is requires stating the windows and have been completed and that the value remains the same and no hazard is present.<br>02/23/2026<br> Fannie mae states the attestation letter should be from the borrower. The letter is signed by XXXX, who is not a listed borrower on the transaction.<br>03/20/2026: Resolved. Received a 1004D showing repairs as completed. | 03/20/2026: Resolved. Received a 1004D showing repairs as completed. | 03/20/2026: Resolved. Received a 1004D showing repairs as completed. |  |  | QC Complete | 02/12/2026 | 03/20/2026 | 03/20/2026 | 02/12/2026 |
| 672 | XXXX | XXXX |  | XXXX | Texas | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 003EVBZYII0-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.527% Allowed 7.490% Overby +0.037%.<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/26/2026 | 03/26/2026 | 03/26/2026 | 03/25/2026 |
| 677 | XXXX | XXXX |  | XXXX | Georgia | XX/XX/XXXX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | ONOT2PEBXKK-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Log cabin is an ineligible property type.<br>A copy of an exception approval letter is available in the loan file. |  |  | DSCR: 1.01 DSCR exceeds the guideline requirement of 1.00.<br>FICO: 775 FICO exceeds the guideline requirement of 700.<br>LTV: 80.00% LTV is less than the guideline requirement of 85.00%. |  | QC Complete | 03/13/2026 |  |  | 03/13/2026 |
| 679 | XXXX | XXXX |  | XXXX | Arizona | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 1I1C5FJTUPS-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XXXX does not cover the loan amount $XXXX. Provide a copy of the title supplement report to cover the loan amount.<br> 03/23/2026: Resolved. Received updated title | 03/23/2026: Resolved. Received updated title | 03/23/2026: Resolved. Received updated title |  |  | QC Complete | 03/17/2026 | 03/23/2026 | 03/23/2026 | 03/16/2026 |
| 679 | XXXX | XXXX |  | XXXX | Arizona | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | 1I1C5FJTUPS-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Business Purpose affidavit is missing<br> 03/23/2026: Resolved: Received a copy of the Business Purpose & Occupancy Affidavit. | 03/23/2026: Resolved: Received a copy of the Business Purpose & Occupancy Affidavit. | 03/23/2026: Resolved: Received a copy of the Business Purpose & Occupancy Affidavit. |  |  | QC Complete | 03/17/2026 | 03/23/2026 | 03/23/2026 | 03/17/2026 |
| 679 | XXXX | XXXX |  | XXXX | Arizona | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | 1I1C5FJTUPS-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of first page of Loan score card.<br> 03/23/2026: Resolved. Received loanScorecard with a pass | 03/23/2026: Resolved. Received loanScorecard with a pass | 03/23/2026: Resolved. Received loanScorecard with a pass |  |  | QC Complete | 03/17/2026 | 03/23/2026 | 03/23/2026 | 03/16/2026 |
| 683 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 05NW4ZSTP3Q-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the tax document and HOA documentation for the property located at XXXX<br>03/27/2026: Resolved. Received tax and HOA | 03/27/2026: Resolved. Received tax and HOA | 03/27/2026: Resolved. Received tax and HOA |  |  | QC Complete | 03/17/2026 | 03/27/2026 | 03/27/2026 | 03/16/2026 |
| 683 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 05NW4ZSTP3Q-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the mortgage statement for XXXX to verify PITI.<br>03/25/2026: Resolved: Received a copy of the mortgage statement. | 03/25/2026: Resolved: Received a copy of the mortgage statement. | 03/25/2026: Resolved: Received a copy of the mortgage statement. |  |  | QC Complete | 03/17/2026 | 03/25/2026 | 03/25/2026 | 03/17/2026 |
| 683 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 05NW4ZSTP3Q-H3X4TJ0T | Resolved | 3 | R | \* Missing Title evidence (Lvl R) | Missing page 2 to 13 of 14 pages of the supplemental report.<br> 03/23/2026: Resolved. Received complete title supplement. | 03/23/2026: Resolved. Received complete title supplement. | 03/23/2026: Resolved. Received complete title supplement. |  |  | QC Complete | 03/17/2026 | 03/23/2026 | 03/23/2026 | 03/19/2026 |
| 689 | XXXX | XXXX |  | XXXX | Georgia | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Assets | MGA0IX5KCQO-8REF7GRZ | Resolved | 3 | R | \* Assets Verification (Lvl R) | Provide an LOE or access letter for the use of funds for the following accounts , which do not belong to the borrowers.<br> 1) XXXX<br> 2)XXXX<br>03/25/2025 Resolved. XXXX is a joint owner on XXXX AKA on credit report for XXXX | 03/25/2025 Resolved. XXXX is a joint owner on XXXX. AKA on credit report for XXXX | 03/25/2025 Resolved. XXXX is a joint owner on XXXX. AKA on credit report for XXXX |  |  | QC Complete | 03/12/2026 | 03/25/2026 | 03/25/2026 | 03/12/2026 |
| 689 | XXXX | XXXX |  | XXXX | Georgia | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | MGA0IX5KCQO-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide active lease agreement for subject property. Appraisal reflecting tenant occupied and DSCR calculated using lease rent $1,700.00.<br>03/25/2026: Resolved. Received lease with rent of $1,700.00 | 03/25/2026: Resolved. Received lease with rent of $1,700.00 | 03/25/2026: Resolved. Received lease with rent of $1,700.00 |  |  | QC Complete | 03/12/2026 | 03/25/2026 | 03/25/2026 | 03/12/2026 |
| 696 | XXXX | XXXX |  | XXXX | Missouri | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | IJIPXCRYZSW-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>03/25/2026: Resolved. Received updated title | 03/25/2026: Resolved. Received updated title | 03/25/2026: Resolved. Received updated title |  |  | QC Complete | 03/13/2026 | 03/25/2026 | 03/25/2026 | 03/12/2026 |
| 706 | XXXX | XXXX |  | XXXX | Maryland | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | RQZLM4AC25X-0OKKBJZ8 | Resolved | 3 | R | \* Other Required mortgage rider missing (Lvl R) | Provide a copy of Licensee Info Or Affidavit document as it is missing.<br> 03/23/2026: Resolved. ReceivedLicensee Information or Affidavit | 03/23/2026: Resolved. Reseived Licensee Information or Affidavit | 03/23/2026: Resolved. Reseived Licensee Information or Affidavit |  |  | QC Complete | 03/17/2026 | 03/23/2026 | 03/23/2026 | 03/13/2026 |
| 708 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | KGPPB23K2LY-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the tax document for the property located at XXXX<br> 03/23/2026: Resolved. Received tax dbill for XXXX | 03/23/2026: Resolved. Received tax dbill for XXXX | 03/23/2026: Resolved. Received tax dbill for XXXX |  |  | QC Complete | 03/13/2026 | 03/23/2026 | 03/23/2026 | 03/13/2026 |
| 708 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Assets Insufficient | KGPPB23K2LY-RDQHOAL4 | Resolved | 3 | R | \* Assets are not sufficient to close (Lvl R) | Assets are insufficient to cover the required reserves and cash to close. Please provide a copy of the Seller's Statement or Seller's Closing Disclosure for the property located at XXXX, reflecting the amount of $XXXX, as it is currently missing.<br>03/23/2026: Resolved. Received settlement statement showing $XXXX to seller. | 03/23/2026: Resolved. Received settlement statement showing $XXXX to seller. | 03/23/2026: Resolved. Received settlement statement showing $XXXX to seller. |  |  | QC Complete | 03/13/2026 | 03/23/2026 | 03/23/2026 | 03/13/2026 |
| 710 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | SGZTGT2M5RD-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | The PTIN validation for the CPA is missing. Please provide the required documentation.<br> 03/24/2026: Resolved: Received the PTIN validation. | 03/24/2026: Resolved: Received the PTIN validation. | 03/24/2026: Resolved: Received the PTIN validation. |  |  | QC Complete | 03/13/2026 | 03/24/2026 | 03/24/2026 | 03/13/2026 |
| 716 | XXXX | XXXX |  | XXXX | Idaho | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | QASLW5K1TYH-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of second page of the Note document which is missing.<br>03/27/2026: Resolved. received all pages of Note | 03/27/2026: Resolved. received all pages of Note | 03/27/2026: Resolved. received all pages of Note |  |  | QC Complete | 03/25/2026 | 03/27/2026 | 03/27/2026 | 03/25/2026 |
| 719 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | XQY0FFYVTVC-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of the title supplement report to cover the loan amount, The amount of title insurance $XXXX does not cover the loan amount $XXXX<br>03/25/2026: Resolved: Received updated title. | 03/25/2026: Resolved: Received updated title. | 03/25/2026: Resolved: Received updated title. |  |  | QC Complete | 03/03/2026 | 03/25/2026 | 03/25/2026 | 03/03/2026 |
| 726 | XXXX | XXXX |  | XXXX | Washington D.C. | XX/XX/XXXX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | ZFNWJ1AC1UB-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception to use borrower provided transcripts for 2023 and 2024 1040s. <br>A copy of an exception approval letter is available in the loan file |  |  | FICO: 738 FICO exceeds the guideline requirement of 720.<br>DTI: 36.66% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 04/16/2026 |  |  | 02/13/2026 |
| 734 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | BO2FQLB31A4-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The title report agent name "XXXX" does not match the Final Closing Disclosure, which reflects XXXX. Please provide an updated title report reflecting the correct title agent name.<br>03/20/2026: Resolved. Received a loe stating This is a New York property. they have a seperate title company\*new Abstract) and closing/settlement attorney (XXXX). The information is accurate to show XXXX on the final CD under settlement agent section. | 03/20/2026: Resolved. Received a loe stating This is a New York property. they have a seperate title company\*new Abstract) and closing/settlement attorney (XXXX). The information is accurate to show XXXX on the final CD under settlement agent section. | 03/20/2026: Resolved. Received a loe stating This is a New York property. they have a seperate title company\*new Abstract) and closing/settlement attorney (XXXX). The information is accurate to show XXXX on the final CD under settlement agent section. |  |  | QC Complete | 03/13/2026 | 03/20/2026 | 03/20/2026 | 03/13/2026 |
| 749 | XXXX | XXXX |  | XXXX | Tennessee | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | DFAPPB3KRYN-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | The loan file does not meet guideline requirements, as the guidelines restrict property eligibility and exclude log homes. <br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 708 FICO exceeds the guideline requirement of 700.<br>DTI: 45.35% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 63.13% LTV is less than the guideline requirement of 80.00%.<br>|  | QC Complete | 04/16/2026 |  |  | 02/13/2026 |
| 749 | XXXX | XXXX |  | XXXX | Tennessee | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 2 | 2 | Valuation | Doc Issue | DFAPPB3KRYN-WMO0OGAE | Waived | 2 | W | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl W) | The loan file does not meet guideline requirements, as properties exceeding 20 acres are not eligible. The subject property is XXXX acres.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 708 FICO exceeds the guideline requirement of 700.<br>DTI: 45.35% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 63.13% LTV is less than the guideline requirement of 80.00%. |  | QC Complete | 04/16/2026 |  |  | 04/16/2026 |
| 750 | XXXX | XXXX |  | XXXX | Arizona | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | DSKLWIQARG2-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Transaction is for the purchase of a primary residence. Required reserves per guidelines are $XXXX; however, only $XXXXhas been verified. Provide acceptable documentation evidencing sufficient reserves to meet the requirement.<br>03/25/2026: Resolved: The reserve calculation was calculated incorrectly. Reserves are met per guidelines. | 03/25/2026: Resolved: The reserve calculation was calculated incorrectly. Reserves are met per guidelines. | 03/25/2026: Resolved: The reserve calculation was calculated incorrectly. Reserves are met per guidelines. |  |  | QC Complete | 03/13/2026 | 03/25/2026 | 03/25/2026 | 03/13/2026 |
| 758 | XXXX | XXXX |  | XXXX | North Carolina | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | J5BOE34XLLT-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an updated Deed of Trust (DOT) with the PUD rider removed, as the appraisal does not indicate the property is a PUD.<br> 09/25/2026; Provided an updated appraisal showing PUD. | 09/25/2026; Provided an updated appraisal showing PUD. | 09/25/2026; Provided an updated appraisal showing PUD. |  |  | QC Complete | 02/16/2026 | 02/25/2026 | 02/25/2026 | 02/16/2026 |
| 764 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Not Covered/Exempt | 2 | 2 | Credit | Guidelines | PNOFZLPQ0GZ-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Non Arm's length purchase from borrower's Aunt<br>A copy of an exception approval letter is available in the loan file. |  |  | Reserves: The 14 months of available reserves are more than the guideline requirement of 6 months.<br>FICO: 792 FICO exceeds the guideline requirement of 700.<br>DSCR: 1.74 DSCR exceeds the guideline requirement of 1.00.<br>|  | QC Complete | 03/26/2026 |  |  | 03/25/2026 |
| 768 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | NTMA5NZDZ2V-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | CA AB 260, California Financial Code Division 1.9 4995(a) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged 7.514% Allowed 7.490% Overby +0.024%<br>This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | This loan is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | 03/13/2026 | 03/13/2026 | 03/13/2026 | 03/13/2026 |
| 768 | XXXX | XXXX |  | XXXX | California | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | NTMA5NZDZ2V-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z<br>Higher-Priced Mortgage Loan Test: Charged 7.514% Allowed 7.490% Overby +0.024%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/13/2026 | 03/13/2026 | 03/13/2026 | 03/13/2026 |
| 770 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | HIVIAN50YXD-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of proposed Lender's coverage on the Title Commitment is less than the loan amount. The document reflects coverage in the amount of $XXXX, however, the Note reflects a loan amount of $XXXX. Provide a copy of title supplemental report.<br>03/25/2026: Resolved: Received updated title. | 03/25/2026: Resolved: Received updated title. | 03/25/2026: Resolved: Received updated title. |  |  | QC Complete | 03/16/2026 | 03/25/2026 | 03/25/2026 | 03/16/2026 |
| 785 | XXXX | XXXX |  | XXXX | Florida | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Appraisal | XK3XVTI4HIM-ANNC2X7V | Resolved | 3 | R | \* The Appraisal License is Missing (Lvl R) | Appraisal License missing.<br>03/25/2026: Received copy of license | 03/25/2026: Received copy of license | 03/25/2026: Received copy of license |  |  | QC Complete | 03/16/2026 | 03/25/2026 | 03/25/2026 | 03/16/2026 |
| 799 | XXXX | XXXX |  | XXXX | New York | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | KY1OV5RNYFL-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 12 CFR § 1026.35(a)(1) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test: Charged 7.819% Allowed 7.480% Overby+0.339%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/18/2026 | 03/18/2026 | 03/18/2026 | 03/18/2026 |

---

## Exhibit 99.2

**Exhibit 99.2**

![](ex99-2_001.jpg)

NRMLT 2026-NQM6<br>Rithm Capital Corp.<br>

Opus Capital Markets Consultants, LLC

5718 Westheimer Road - Suite 1000\| Houston, TX 77057\| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**April 23, 2026**

**Performed by**

**Opus Capital Markets Consultants, LLC**

**For**

**Rithm Capital Corp.**

The report summarizes the results of a due diligence review performed on a pool of 470 loans provided by Rithm Capital Corp. ("Customer") who provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains two hundred thirty four (234) Non-QM loans, and two hundred thirty six (236) ATR/QM Exempt loans, of which one hundred eighty one (181) are DSCR loans and fifty five (55) are Business Purpose loans. All loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A

<u>EXHIBIT A</u>

**Credit Review**

**Credit Qualification**

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements
for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination
to determine compliance with Client provided underwriting guidelines and regulatory requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination
and meet Client provided underwriting guideline and regulatory requirements.

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

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

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

**Document Review**

**Document Review**

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

**a) Collateral Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

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

**b) Closing Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

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

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

**c) Credit Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial
and final loan applications.

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required
by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

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

**Regulatory Compliance**

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

1. The
 "material" <sup>1</sup> disclosure requirements
 of the federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership
 and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including the material provisions
 relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35,
 and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act ("MDIA"),
 as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by
 the TILA-RESPA Integrated Disclosure ("TRID") Rule, TRID will be reviewed in
 accordance with the SFA TRID Grid 4.0, as amended from time to time, as set forth below:

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they were populated in accordance
 with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed
or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final Truth in Lending Disclosure ("TIL"),
if applicable

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based
on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan
file may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial
Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be considered
delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt.
The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered
the Final with any delivered post consummation considered as a corrected Closing Disclosure.

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

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

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

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

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

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

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

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

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

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

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

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

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

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant
reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43
et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan's
status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due
diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant
will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under §
1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for
lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies
and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the
requirements of the revised general QM definition effective March 1, 2021.

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

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but
not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony, and child support obligations

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

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

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

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

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

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

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

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

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

**Additional Disclosures and Requirements:**

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

&nbsp;&nbsp;&nbsp;&nbsp;· Servicing Transfer Disclosure (for applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure form in file

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three general business
days of application

&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Affiliated Business Disclosure in file in the
event the lender has affiliated business arrangements

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement in file

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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).

&nbsp;&nbsp;&nbsp;&nbsp;· 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)?

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995
et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-
746 et seq., as amended from time to time.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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).

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10
et seq.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code
of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House
Bill 4050 (2005).

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Kansas Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et
seq.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as
amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts
Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800
(15-17).

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et
seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· New
Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

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

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

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

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· City
of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified
in various sections of Title 14A of the Oklahoma Consumer Credit Code.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented
by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter
2006-33, Ordinance No. 245.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after
July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· Washington House Bill 2770, Mortgage Lending Ownership

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Wyoming Credit Code

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

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

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

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

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

Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business, commercial or agricultural
purposes

&nbsp;&nbsp;&nbsp;&nbsp;· 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

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate is provided by
a policy that

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

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

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

**Misrepresentation and Third-Party Review**

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

1) Misrepresentation Review and Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the loan file for consistency
of data.

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

**Independent Third-Party Values**

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

&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;· Value is based on as-is condition or provides satisfactory completion of
all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued
with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made
or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;· Appraiser was appropriately licensed at the time the appraisal was signed

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

Value Review Disclaimer

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

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

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

**Properties in FEMA declared disaster zones.**

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

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;· Property appears to be occupied

**Data Compare**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

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

**Moody's Investor Services Grading Criteria**

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

**Kroll Bond Rating Agency LLC Grading Criteria**

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

**S&P Global Ratings Grading Criteria**

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

**DBRS Morningstar Grading Criteria**

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

**Opus Grading Criteria**

1) Opus Grading Criteria

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

**Opus Credit Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition: Loan was originated in accordance with
the mortgage loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Credit Grade Definition: Loan was not originated in substantial
compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing
material documentation.

**Opus Property Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Property Grade Definition: Property value does not appear to fall
within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing
material documentation.

**Opus Compliance Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Compliance Grade Definition: Loan complies with all applicable laws
and regulations reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Compliance Grade Definition: Loan is not in compliance with laws
and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City, County, MSA
and Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification of the location of a property
(e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review** 

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

**Borrower Underwriting:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting
 Guidelines.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property management questionnaire:** Review the questionnaire to confirm management experience meets
 Underwriting Guidelines.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per
 Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements
 are eligible per the
Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of
 DSCR

**Title Insurance Requirements are met per Guidelines only as follows** 

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage
amount in adherence to the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan
file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial and final loan applications.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting
guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

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

**Compliance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No compliance testing for the DSCR review.

**<u>Pool Details</u>**

![](ex99-2_002.jpg)

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.79% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.79% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.79% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.57% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.79% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;74 | &nbsp;&nbsp;84.26% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.79% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;9 | &nbsp;&nbsp;98.09% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;33 | &nbsp;&nbsp;92.98% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;23 | &nbsp;&nbsp;95.11% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.79% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;5 | &nbsp;&nbsp;98.94% |
| &nbsp;&nbsp;**Total Number of Loans** | &nbsp;&nbsp;**470** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were twenty one (21) obligors with multiple loans in the pool.

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

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

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

---

**<u>Compliance</u>**

---

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

---

---

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

---

**<u>Property Valuation</u>**

---

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

---

---

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

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated April 22, 2026.

![](ex99-2_003.jpg)

**<u>Loans Reviewed (470)</u>**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;215453242 | &nbsp;&nbsp;215656414 | &nbsp;&nbsp;215991951 | &nbsp;&nbsp;216101972 | &nbsp;&nbsp;216209031 | &nbsp;&nbsp;216255554 | &nbsp;&nbsp;216264325 | &nbsp;&nbsp;216264341 |
| &nbsp;&nbsp;216323741 | &nbsp;&nbsp;216325589 | &nbsp;&nbsp;216337634 | &nbsp;&nbsp;216344796 | &nbsp;&nbsp;216353615 | &nbsp;&nbsp;216355768 | &nbsp;&nbsp;216356071 | &nbsp;&nbsp;216365189 |
| &nbsp;&nbsp;216365387 | &nbsp;&nbsp;216365494 | &nbsp;&nbsp;216381186 | &nbsp;&nbsp;216388843 | &nbsp;&nbsp;216403378 | &nbsp;&nbsp;216415711 | &nbsp;&nbsp;216418541 | &nbsp;&nbsp;216422758 |
| &nbsp;&nbsp;216426551 | &nbsp;&nbsp;216427872 | &nbsp;&nbsp;216430348 | &nbsp;&nbsp;216431346 | &nbsp;&nbsp;216431718 | &nbsp;&nbsp;216434407 | &nbsp;&nbsp;216438168 | &nbsp;&nbsp;216438861 |
| &nbsp;&nbsp;216443036 | &nbsp;&nbsp;216443804 | &nbsp;&nbsp;216455717 | &nbsp;&nbsp;216458943 | &nbsp;&nbsp;216462929 | &nbsp;&nbsp;216468884 | &nbsp;&nbsp;216481903 | &nbsp;&nbsp;216482026 |
| &nbsp;&nbsp;216484568 | &nbsp;&nbsp;216491167 | &nbsp;&nbsp;216501338 | &nbsp;&nbsp;216502039 | &nbsp;&nbsp;216510016 | &nbsp;&nbsp;216511089 | &nbsp;&nbsp;216518936 | &nbsp;&nbsp;216520486 |
| &nbsp;&nbsp;216523977 | &nbsp;&nbsp;216528356 | &nbsp;&nbsp;216533042 | &nbsp;&nbsp;216533067 | &nbsp;&nbsp;216533729 | &nbsp;&nbsp;216538348 | &nbsp;&nbsp;216542399 | &nbsp;&nbsp;216544775 |
| &nbsp;&nbsp;216546465 | &nbsp;&nbsp;216552786 | &nbsp;&nbsp;216555920 | &nbsp;&nbsp;216557876 | &nbsp;&nbsp;216558239 | &nbsp;&nbsp;216561506 | &nbsp;&nbsp;216561662 | &nbsp;&nbsp;216561746 |
| &nbsp;&nbsp;216564195 | &nbsp;&nbsp;216564229 | &nbsp;&nbsp;216568246 | &nbsp;&nbsp;216569970 | &nbsp;&nbsp;216572859 | &nbsp;&nbsp;216573980 | &nbsp;&nbsp;216575282 | &nbsp;&nbsp;216580134 |
| &nbsp;&nbsp;216581173 | &nbsp;&nbsp;216583740 | &nbsp;&nbsp;216584870 | &nbsp;&nbsp;216584912 | &nbsp;&nbsp;216586180 | &nbsp;&nbsp;216591628 | &nbsp;&nbsp;216591669 | &nbsp;&nbsp;216593475 |
| &nbsp;&nbsp;216599076 | &nbsp;&nbsp;216611079 | &nbsp;&nbsp;216613067 | &nbsp;&nbsp;216617530 | &nbsp;&nbsp;216617613 | &nbsp;&nbsp;216625079 | &nbsp;&nbsp;216628644 | &nbsp;&nbsp;216628701 |
| &nbsp;&nbsp;216630665 | &nbsp;&nbsp;216645606 | &nbsp;&nbsp;216647784 | &nbsp;&nbsp;216650267 | &nbsp;&nbsp;216657569 | &nbsp;&nbsp;216660506 | &nbsp;&nbsp;216661728 | &nbsp;&nbsp;216662825 |
| &nbsp;&nbsp;216667287 | &nbsp;&nbsp;216669598 | &nbsp;&nbsp;216676270 | &nbsp;&nbsp;216679464 | &nbsp;&nbsp;216682336 | &nbsp;&nbsp;216682484 | &nbsp;&nbsp;216686162 | &nbsp;&nbsp;216690859 |
| &nbsp;&nbsp;216691667 | &nbsp;&nbsp;216692145 | &nbsp;&nbsp;216704700 | &nbsp;&nbsp;216709485 | &nbsp;&nbsp;216714535 | &nbsp;&nbsp;216720581 | &nbsp;&nbsp;216736116 | &nbsp;&nbsp;216740753 |
| &nbsp;&nbsp;9704479436 | &nbsp;&nbsp;9704600841 | &nbsp;&nbsp;9705178359 | &nbsp;&nbsp;9705394592 | &nbsp;&nbsp;9705394717 | &nbsp;&nbsp;9705537257 | &nbsp;&nbsp;9706126316 | &nbsp;&nbsp;9706465821 |
| &nbsp;&nbsp;9706495414 | &nbsp;&nbsp;9706584043 | &nbsp;&nbsp;9707142858 | &nbsp;&nbsp;9707270378 | &nbsp;&nbsp;9707399102 | &nbsp;&nbsp;9707529013 | &nbsp;&nbsp;9707652005 | &nbsp;&nbsp;9707678000 |
| &nbsp;&nbsp;9708918314 | &nbsp;&nbsp;9709045331 | &nbsp;&nbsp;9709418181 | &nbsp;&nbsp;9709458468 | &nbsp;&nbsp;9709766001 | &nbsp;&nbsp;9710190845 | &nbsp;&nbsp;9710340051 | &nbsp;&nbsp;9710380586 |
| &nbsp;&nbsp;9710604415 | &nbsp;&nbsp;9710760456 | &nbsp;&nbsp;9710952319 | &nbsp;&nbsp;9710973794 | &nbsp;&nbsp;9711409905 | &nbsp;&nbsp;9711548009 | &nbsp;&nbsp;9711839721 | &nbsp;&nbsp;9711938382 |
| &nbsp;&nbsp;9711946823 | &nbsp;&nbsp;9712379560 | &nbsp;&nbsp;9712865170 | &nbsp;&nbsp;9712944264 | &nbsp;&nbsp;9713673052 | &nbsp;&nbsp;9713873512 | &nbsp;&nbsp;9713874668 | &nbsp;&nbsp;9713939149 |
| &nbsp;&nbsp;9714211035 | &nbsp;&nbsp;9714471282 | &nbsp;&nbsp;9714621167 | &nbsp;&nbsp;9715191186 | &nbsp;&nbsp;9715264561 | &nbsp;&nbsp;9715316049 | &nbsp;&nbsp;9715327343 | &nbsp;&nbsp;9715526829 |
| &nbsp;&nbsp;9715812625 | &nbsp;&nbsp;9715855939 | &nbsp;&nbsp;9716156451 | &nbsp;&nbsp;9716177465 | &nbsp;&nbsp;9716215224 | &nbsp;&nbsp;9716230496 | &nbsp;&nbsp;9716402707 | &nbsp;&nbsp;9716540076 |
| &nbsp;&nbsp;9716683082 | &nbsp;&nbsp;9716911855 | &nbsp;&nbsp;9717375944 | &nbsp;&nbsp;9717386636 | &nbsp;&nbsp;9717763842 | &nbsp;&nbsp;9717784871 | &nbsp;&nbsp;9718181705 | &nbsp;&nbsp;9718426134 |
| &nbsp;&nbsp;9718903363 | &nbsp;&nbsp;9719129570 | &nbsp;&nbsp;9719724420 | &nbsp;&nbsp;9720129957 | &nbsp;&nbsp;9720470401 | &nbsp;&nbsp;9720979930 | &nbsp;&nbsp;9721480623 | &nbsp;&nbsp;9721794130 |
| &nbsp;&nbsp;9721811991 | &nbsp;&nbsp;9721873512 | &nbsp;&nbsp;9721893023 | &nbsp;&nbsp;9722269801 | &nbsp;&nbsp;9722572147 | &nbsp;&nbsp;9722905537 | &nbsp;&nbsp;9722952117 | &nbsp;&nbsp;9722972693 |
| &nbsp;&nbsp;9723564408 | &nbsp;&nbsp;9723769627 | &nbsp;&nbsp;9723819034 | &nbsp;&nbsp;9723891777 | &nbsp;&nbsp;9724042420 | &nbsp;&nbsp;9724203964 | &nbsp;&nbsp;9724216297 | &nbsp;&nbsp;9724538872 |
| &nbsp;&nbsp;9724665170 | &nbsp;&nbsp;9725067020 | &nbsp;&nbsp;9726100861 | &nbsp;&nbsp;9726287494 | &nbsp;&nbsp;9726292916 | &nbsp;&nbsp;9726399315 | &nbsp;&nbsp;9726468763 | &nbsp;&nbsp;9726651491 |
| &nbsp;&nbsp;9726909154 | &nbsp;&nbsp;9727093073 | &nbsp;&nbsp;9727115926 | &nbsp;&nbsp;9727255763 | &nbsp;&nbsp;9727486947 | &nbsp;&nbsp;9727932494 | &nbsp;&nbsp;9728073124 | &nbsp;&nbsp;9728436172 |
| &nbsp;&nbsp;9728519936 | &nbsp;&nbsp;9728534844 | &nbsp;&nbsp;9729016643 | &nbsp;&nbsp;9729323130 | &nbsp;&nbsp;9729806571 | &nbsp;&nbsp;9730241420 | &nbsp;&nbsp;9730324978 | &nbsp;&nbsp;9730345510 |
| &nbsp;&nbsp;9730389393 | &nbsp;&nbsp;9730484590 | &nbsp;&nbsp;9730598407 | &nbsp;&nbsp;9730737971 | &nbsp;&nbsp;9731328747 | &nbsp;&nbsp;9731540804 | &nbsp;&nbsp;9731638061 | &nbsp;&nbsp;9731761715 |
| &nbsp;&nbsp;9731839750 | &nbsp;&nbsp;9732176798 | &nbsp;&nbsp;9732302113 | &nbsp;&nbsp;9732534491 | &nbsp;&nbsp;9733228150 | &nbsp;&nbsp;9733346077 | &nbsp;&nbsp;9733746334 | &nbsp;&nbsp;9733956347 |
| &nbsp;&nbsp;9734018881 | &nbsp;&nbsp;9734036644 | &nbsp;&nbsp;9734504617 | &nbsp;&nbsp;9736444721 | &nbsp;&nbsp;9737037334 | &nbsp;&nbsp;9737276510 | &nbsp;&nbsp;9737501529 | &nbsp;&nbsp;9738204800 |
| &nbsp;&nbsp;9738266288 | &nbsp;&nbsp;9738819649 | &nbsp;&nbsp;9738887844 | &nbsp;&nbsp;9739198100 | &nbsp;&nbsp;9739826106 | &nbsp;&nbsp;9740368601 | &nbsp;&nbsp;9740392650 | &nbsp;&nbsp;9740503835 |
| &nbsp;&nbsp;9740732491 | &nbsp;&nbsp;9741561931 | &nbsp;&nbsp;9741760582 | &nbsp;&nbsp;9741776497 | &nbsp;&nbsp;9742476279 | &nbsp;&nbsp;9742762538 | &nbsp;&nbsp;9743118227 | &nbsp;&nbsp;9743675192 |
| &nbsp;&nbsp;9743824618 | &nbsp;&nbsp;9744006975 | &nbsp;&nbsp;9744064081 | &nbsp;&nbsp;9744295206 | &nbsp;&nbsp;9744444564 | &nbsp;&nbsp;9744525263 | &nbsp;&nbsp;9744629677 | &nbsp;&nbsp;9744637258 |
| &nbsp;&nbsp;9744694044 | &nbsp;&nbsp;9744819625 | &nbsp;&nbsp;9744836272 | &nbsp;&nbsp;9745016312 | &nbsp;&nbsp;9745062621 | &nbsp;&nbsp;9745228990 | &nbsp;&nbsp;9745697780 | &nbsp;&nbsp;9746706887 |
| &nbsp;&nbsp;9746832162 | &nbsp;&nbsp;9746885269 | &nbsp;&nbsp;9747191873 | &nbsp;&nbsp;9747758879 | &nbsp;&nbsp;9748174126 | &nbsp;&nbsp;9748805091 | &nbsp;&nbsp;9749570678 | &nbsp;&nbsp;9749726403 |
| &nbsp;&nbsp;9749769403 | &nbsp;&nbsp;9749779402 | &nbsp;&nbsp;9750018161 | &nbsp;&nbsp;9750587249 | &nbsp;&nbsp;9750612278 | &nbsp;&nbsp;9750616295 | &nbsp;&nbsp;9750642903 | &nbsp;&nbsp;9750643687 |
| &nbsp;&nbsp;9750672181 | &nbsp;&nbsp;9750898901 | &nbsp;&nbsp;9751381659 | &nbsp;&nbsp;9751391062 | &nbsp;&nbsp;9751665218 | &nbsp;&nbsp;9751712069 | &nbsp;&nbsp;9752103953 | &nbsp;&nbsp;9752195280 |
| &nbsp;&nbsp;9752511684 | &nbsp;&nbsp;9752977323 | &nbsp;&nbsp;9753046938 | &nbsp;&nbsp;9753609065 | &nbsp;&nbsp;9753946194 | &nbsp;&nbsp;9754035294 | &nbsp;&nbsp;9754262252 | &nbsp;&nbsp;9754664689 |
| &nbsp;&nbsp;9755028553 | &nbsp;&nbsp;9755097079 | &nbsp;&nbsp;9755426450 | &nbsp;&nbsp;9755618486 | &nbsp;&nbsp;9755842466 | &nbsp;&nbsp;9755996643 | &nbsp;&nbsp;9756476496 | &nbsp;&nbsp;9756600749 |
| &nbsp;&nbsp;9756735339 | &nbsp;&nbsp;9756834413 | &nbsp;&nbsp;9757077541 | &nbsp;&nbsp;9757114948 | &nbsp;&nbsp;9757115382 | &nbsp;&nbsp;9758285721 | &nbsp;&nbsp;9758304803 | &nbsp;&nbsp;9759124549 |
| &nbsp;&nbsp;9759850929 | &nbsp;&nbsp;9760525577 | &nbsp;&nbsp;9761983403 | &nbsp;&nbsp;9762408988 | &nbsp;&nbsp;9762779107 | &nbsp;&nbsp;9762899228 | &nbsp;&nbsp;9763390797 | &nbsp;&nbsp;9763533495 |
| &nbsp;&nbsp;9763952711 | &nbsp;&nbsp;9764243227 | &nbsp;&nbsp;9764623428 | &nbsp;&nbsp;9765046710 | &nbsp;&nbsp;9765786182 | &nbsp;&nbsp;9765893822 | &nbsp;&nbsp;9766751433 | &nbsp;&nbsp;9766762034 |
| &nbsp;&nbsp;9766882477 | &nbsp;&nbsp;9767140958 | &nbsp;&nbsp;9767463475 | &nbsp;&nbsp;9767900443 | &nbsp;&nbsp;9768495914 | &nbsp;&nbsp;9768554744 | &nbsp;&nbsp;9768683451 | &nbsp;&nbsp;9768734833 |
| &nbsp;&nbsp;9769261075 | &nbsp;&nbsp;9769292328 | &nbsp;&nbsp;9769364150 | &nbsp;&nbsp;9769972325 | &nbsp;&nbsp;9770373992 | &nbsp;&nbsp;9770529049 | &nbsp;&nbsp;9770605906 | &nbsp;&nbsp;9770691138 |
| &nbsp;&nbsp;9770881812 | &nbsp;&nbsp;9770885433 | &nbsp;&nbsp;9771140606 | &nbsp;&nbsp;9771832996 | &nbsp;&nbsp;9772062502 | &nbsp;&nbsp;9772418258 | &nbsp;&nbsp;9772508553 | &nbsp;&nbsp;9772658663 |
| &nbsp;&nbsp;9772661063 | &nbsp;&nbsp;9773286787 | &nbsp;&nbsp;9773522405 | &nbsp;&nbsp;9773737144 | &nbsp;&nbsp;9773868238 | &nbsp;&nbsp;9773913224 | &nbsp;&nbsp;9773997102 | &nbsp;&nbsp;9774011036 |
| &nbsp;&nbsp;9774509534 | &nbsp;&nbsp;9774654413 | &nbsp;&nbsp;9774771878 | &nbsp;&nbsp;9775146989 | &nbsp;&nbsp;9775248322 | &nbsp;&nbsp;9775267926 | &nbsp;&nbsp;9775483341 | &nbsp;&nbsp;9775550206 |
| &nbsp;&nbsp;9775838643 | &nbsp;&nbsp;9775990170 | &nbsp;&nbsp;9776111156 | &nbsp;&nbsp;9776182819 | &nbsp;&nbsp;9776812993 | &nbsp;&nbsp;9777138778 | &nbsp;&nbsp;9777164295 | &nbsp;&nbsp;9777306417 |
| &nbsp;&nbsp;9777509895 | &nbsp;&nbsp;9777744526 | &nbsp;&nbsp;9777790735 | &nbsp;&nbsp;9777884124 | &nbsp;&nbsp;9778612672 | &nbsp;&nbsp;9778949504 | &nbsp;&nbsp;9779226076 | &nbsp;&nbsp;9779334235 |
| &nbsp;&nbsp;9780383957 | &nbsp;&nbsp;9780912268 | &nbsp;&nbsp;9781610994 | &nbsp;&nbsp;9782121710 | &nbsp;&nbsp;9782517875 | &nbsp;&nbsp;9782545462 | &nbsp;&nbsp;9782876248 | &nbsp;&nbsp;9783087639 |
| &nbsp;&nbsp;9783386791 | &nbsp;&nbsp;9783578835 | &nbsp;&nbsp;9783631451 | &nbsp;&nbsp;9783979322 | &nbsp;&nbsp;9784035470 | &nbsp;&nbsp;9784063308 | &nbsp;&nbsp;9784368152 | &nbsp;&nbsp;9784650948 |
| &nbsp;&nbsp;9785929226 | &nbsp;&nbsp;9786280876 | &nbsp;&nbsp;9786463084 | &nbsp;&nbsp;9786603812 | &nbsp;&nbsp;9786887076 | &nbsp;&nbsp;9787447920 | &nbsp;&nbsp;9787508333 | &nbsp;&nbsp;9787937953 |
| &nbsp;&nbsp;9787979153 | &nbsp;&nbsp;9788033711 | &nbsp;&nbsp;9788295088 | &nbsp;&nbsp;9788377910 | &nbsp;&nbsp;9788928217 | &nbsp;&nbsp;9789150944 | &nbsp;&nbsp;9790362488 | &nbsp;&nbsp;9790397955 |
| &nbsp;&nbsp;9790456751 | &nbsp;&nbsp;9790688221 | &nbsp;&nbsp;9791750541 | &nbsp;&nbsp;9791959415 | &nbsp;&nbsp;9792849136 | &nbsp;&nbsp;9793532046 | &nbsp;&nbsp;9793541690 | &nbsp;&nbsp;9793555369 |
| &nbsp;&nbsp;9793706293 | &nbsp;&nbsp;9794204041 | &nbsp;&nbsp;9794594193 | &nbsp;&nbsp;9794666165 | &nbsp;&nbsp;9794850504 | &nbsp;&nbsp;9795831503 | &nbsp;&nbsp;9796077809 | &nbsp;&nbsp;9796355155 |
| &nbsp;&nbsp;9796735729 | &nbsp;&nbsp;9796784628 | &nbsp;&nbsp;9797024891 | &nbsp;&nbsp;9797037992 | &nbsp;&nbsp;9797110963 | &nbsp;&nbsp;9797282051 | &nbsp;&nbsp;9797420339 | &nbsp;&nbsp;9797461317 |
| &nbsp;&nbsp;9797465516 | &nbsp;&nbsp;9797543486 | &nbsp;&nbsp;9797639995 | &nbsp;&nbsp;9797643617 | &nbsp;&nbsp;9797730133 | &nbsp;&nbsp;9797805497 | &nbsp;&nbsp;9798073236 | &nbsp;&nbsp;9798167772 |
| &nbsp;&nbsp;9799051298 | &nbsp;&nbsp;9799177697 | &nbsp;&nbsp;9799360723 | &nbsp;&nbsp;9799918363 | &nbsp;&nbsp;9799920435 | &nbsp;&nbsp;WS260223032 |  |  |

---

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

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 1 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0828 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0828 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-XX-2026 |
| 3 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.72 | 73.72 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 7 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | -.0526 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0526 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 13 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.57 | 42.57 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 01-XX-2026 |
| 15 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.99 | 66.99 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-XX-2025 |
| 18 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 21 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 22 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 23 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 62.31 | 62.31 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 24 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 25 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.52 | 48.52 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 26 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 58.15 | 58.15 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 12-XX-2025 |
| 29 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.14 | 68.14 | XXXX | XXXX | .0465 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0465 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 31 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 32 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 02-XX-2026 |
| 34 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0337 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0337 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 35 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 37 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 38 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 68.85 | 68.85 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 39 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 40 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 78.45 | 78.45 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 02-XX-2026 |
| 41 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.45 | 23.45 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 42 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.78 | 37.78 | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | .0101 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 43 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 44 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.23 | 66.23 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 45 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.0 | 72.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 47 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.19 | 77.19 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 12-XX-2025 |
| 50 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-XX-2025 | Eligible |  |  |
| 51 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 53 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 55 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 56 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 58 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | 01-XX-2026 |
| 59 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 53.69 | 53.69 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 62 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-XX-2025 |
| 66 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.89 | 48.89 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 67 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 68 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | LOW RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | 02-XX-2026 |
| 69 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.0 | 20.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 71 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 75 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 01-XX-2206 |
| 78 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 79 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 80 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 61.58 | 61.58 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 81 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.5 | 79.5 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-XX-2025 |
| 83 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 2090 Individual Coop Report | XXXX | XXXX | XXXX | XXXX | 57.51 | 57.51 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 87 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 91 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 94 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 96 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 100 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 51.78 | 51.78 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 02-XX-2026 |
| 101 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | LOW RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-XX-2026 |
| 102 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | -.0952 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0952 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 103 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.95 | 72.95 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 104 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 106 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 107 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.04 | 69.04 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 01-XX-2026 |
| 108 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 61.76 | 61.76 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | MODERATE RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-XX-2026 |
| 109 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 110 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.41 | 74.41 | XXXX | XXXX | .0370 | Desk Review |  |  |  |  | XXXX | XXXX | .1852 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0370 | XXXX | High risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 02-XX-2026 |
| 111 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.82 | 79.82 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 112 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 01-XX-2026 |
| 115 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 64.29 | 64.29 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 116 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.29 | 64.29 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 01-XX-2026 |
| 117 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 01-XX-2026 |
| 119 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 02-XX-2026 |
| 120 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.41 | 64.41 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 121 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 125 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.36 | 36.36 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 02-XX-2026 |
| 126 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.55 | 33.55 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  | 0 |  | Missing |  |  |
| 127 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 129 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 136 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 137 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 140 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 141 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.94 | 18.94 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-XX-2026 |
| 142 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.98 | 73.98 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 144 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 77.73 | 77.73 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 02-XX-2026 |
| 145 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 146 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-XX-2026 |
| 149 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-XX-2026 |
| 151 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 01-XX-2026 |
| 152 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 155 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0688 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0688 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 02-XX-2026 |
| 156 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | MODERATE RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 157 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.78 | 48.78 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 158 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-XX-2026 |
| 160 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 161 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | Not Eligible |  |  |
| 162 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | LOW RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-XX-2026 |
| 165 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 167 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 168 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 169 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 173 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |
| 174 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 175 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 71.43 | 71.43 | XXXX | XXXX | .0287 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | .0287 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-XX-2026 |
| 177 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 178 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 179 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 182 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 44.44 | 44.44 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 186 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 188 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 195 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  | 1 | 02-XX-2026 |
| 196 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.29 | 14.29 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  | 1 | 02-XX-2026 |
| 200 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.56 | 55.56 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 202 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 203 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 205 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 208 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 210 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.95 | 65.95 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 09-XX-2025 |
| 211 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 213 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.46 | 66.46 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 03-XX-2026 |
| 215 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.2 | 74.2 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 216 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 218 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 11-XX-2025 |
| 220 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 223 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.75 | 23.75 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 224 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 229 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 231 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 232 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 01-XX-2026 |
| 233 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 01-XX-2026 |
| 237 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 238 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 241 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 242 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.0 | 31.0 | XXXX | XXXX | -.0970 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0970 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 02-XX-2026 |
| 244 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.56 | 24.56 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 246 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 247 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 248 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 250 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 01-XX-2026 |
| 251 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 254 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-XX-2026 |
| 256 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  | 4.5 | 02-XX-2026 |
| 257 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 59.94 | 59.94 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 259 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 78.13 | 78.13 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 262 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.0 | 78.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 263 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 2090 Individual Coop Report | XXXX | XXXX | XXXX | XXXX | 72.98 | 72.98 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 265 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-XX-2025 |  | 1.9 | 12-XX-2025 |
| 266 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 267 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.59 | 77.59 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 269 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 270 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | .2626 | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 274 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 277 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 279 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 280 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.99 | 69.99 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 281 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.77 | 67.77 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 282 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 84.35 | 84.35 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 11-XX-2025 |
| 284 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 64.36 | 64.36 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | LOW RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 285 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 286 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65.45 | 65.45 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 02-XX-2026 |
| 287 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.96 | 75.96 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 288 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 289 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 290 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 291 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 292 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | .7089 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 02-XX-2026 |
| 293 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 03-XX-2026 |
| 295 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 298 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 299 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 302 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 303 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 61.3 | 61.3 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 305 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0357 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0357 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 01-XX-2026 |
| 306 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 01-XX-2026 |
| 309 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 01-XX-2026 |
| 312 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 315 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 319 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 02-XX-2026 |
| 320 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 322 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.07 | 74.07 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | LOW RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-XX-2026 |
| 326 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 328 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 329 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.68 | 77.68 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 330 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 331 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 43.96 | 43.96 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 334 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 335 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 336 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.63 | 32.63 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 337 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 338 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | MODERATE RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 340 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 50.87 | 50.87 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 03-XX-2026 |
| 341 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.85 | 67.85 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-XX-2025 |
| 342 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.58 | 50.58 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | LOW RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 343 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 344 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 345 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.85 | 59.85 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk Additional Review Alert: Not Recommended | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 346 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 348 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 350 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 351 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 352 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 09-XX-2025 |
| 353 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 354 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 355 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 46.45 | 46.45 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 356 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.9 | 37.9 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 358 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.51 | 42.51 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 359 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 362 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 363 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 364 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 366 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-XX-2026 |
| 367 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | -.0923 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0923 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 370 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 01-XX-2026 |
| 373 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.97 | 64.97 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 02-XX-2026 |
| 374 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 375 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 11-XX-2025 |
| 378 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 379 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 381 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-XX-2025 |
| 388 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 389 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 390 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 45.65 | 45.65 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 11-XX-2025 |
| 391 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 392 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 393 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 394 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.14 | 74.14 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 397 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.98 | 79.98 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 398 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0812 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0812 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  | 2.6 | 01-XX-2026 |
| 399 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 01-XX-2026 |
| 401 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 73.2 | 73.2 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 12-XX-2025 |
| 403 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.16 | 70.16 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 404 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.48 | 36.48 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 01-XX-2026 |
| 406 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.34 | 62.34 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-XX-2026 |
| 410 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | 02-XX-2026 | Not Eligible |  |  |
| 411 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.22 | 65.22 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 414 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 71.93 | 71.93 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 02-XX-2026 |
| 416 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 418 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 02-XX-2026 |
| 419 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  | 2.5 | 02-XX-2026 |
| 421 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 426 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 428 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 01-XX-2026 |
| 430 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 79.94 | 79.94 | XXXX | XXXX | -.0150 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0150 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 431 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 82.38 | 82.38 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 433 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 01-XX-2026 |
| 434 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 435 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.14 | 64.14 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 436 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 437 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 440 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 44.04 | 44.04 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 442 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 443 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-XX-2026 |
| 444 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 445 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 447 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 450 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 43.75 | 43.75 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 451 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 453 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 82.64 | 82.64 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 02-XX-2026 |
| 456 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 01-XX-2026 |
| 458 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 02-XX-2026 |
| 461 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 84.39 | 84.39 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 464 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.48 | 68.48 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 465 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 01-XX-2026 |
| 466 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 467 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 12-XX-2025 |
| 469 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 471 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-XX-2025 |
| 472 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 44.44 | 44.44 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-XX-2026 |
| 473 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 474 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-XX-2025 |
| 476 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 477 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 478 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 57.71 | 57.71 | XXXX | XXXX | .0212 | 1073 Individual Condo Report |  |  |  |  | XXXX | XXXX | .0212 | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 02-XX-2026 |
| 479 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 480 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.49 | 67.49 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 482 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-XX-2026 |
| 485 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 56.77 | 56.77 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 01-XX-2026 |
| 486 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.86 | 66.86 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 488 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 489 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-XX-2026 |
| 491 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 76.05 | 76.05 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 492 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 495 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 501 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 01-XX-2026 |
| 502 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 503 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 504 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 507 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 508 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  | 3.4 | 01-XX-2026 |
| 509 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | -.0035 | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 510 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 511 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.25 | 67.25 | XXXX | XXXX | -.0418 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0418 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 12-XX-2025 |
| 512 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.13 | 37.13 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  | 1 | 01-XX-2026 |
| 513 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 51.28 | 51.28 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 516 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 517 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | -.0875 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0875 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 01-XX-2026 |
| 518 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 82.42 | 82.42 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 519 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 521 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 523 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 999 | 02-XX-2026 |
| 524 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.08 | 73.08 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 526 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 11-XX-2025 |
| 527 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | LOW RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-XX-2026 |
| 531 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 51.99 | 51.99 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 02-XX-2026 |
| 532 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 01-XX-2026 |
| 533 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 534 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0943 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0943 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 01-XX-2026 |
| 535 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 537 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 01-XX-2026 |
| 539 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 01-XX-2026 |
| 542 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 543 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.68 | 64.68 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  | XXXX | XXXX | -.0050 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-XX-2025 |
| 544 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 545 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 11-XX-2025 |
| 546 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 69.67 | 69.67 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 547 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | LOW RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 02-XX-2026 |
| 548 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 79.55 | 79.55 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-XX-2026 |
| 550 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.51 | 79.51 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 551 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 01-XX-2026 |
| 553 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 554 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 558 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.6 | 78.6 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-XX-2026 |
| 560 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 564 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 76.12 | 76.12 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 565 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 02-XX-2026 | Not Eligible |  | 02-XX-2026 |
| 568 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0458 | Desk Review |  |  |  |  | XXXX | XXXX | .1260 | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0458 | XXXX | High Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 572 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 574 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.51 | 73.51 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 577 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.18 | 73.18 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 578 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 579 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 580 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 583 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.97 | 59.97 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 584 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 585 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | -.0164 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0164 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 02-XX-2026 |
| 587 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-XX-2026 |
| 590 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 02-XX-2026 |
| 591 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-XX-2026 |
| 593 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 594 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 71.43 | 71.43 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 595 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.2 | 62.2 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 596 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 598 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 601 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 603 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 62.5 | 62.5 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 604 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 605 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.82 | 72.82 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 606 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 608 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 02-XX-2026 |
| 609 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 610 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 46.3 | 46.3 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 614 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 01-XX-2026 |
| 617 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 618 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.84 | 25.84 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 619 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 74.07 | 74.07 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 620 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 621 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 12-XX-2025 |
| 622 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 623 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.92 | 59.92 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 625 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.25 | 74.25 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 628 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 | Unavailable |  |  |
| 630 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 631 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 632 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 02-XX-2026 |
| 633 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 01-XX-2026 |
| 636 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.85 | 68.85 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  | 1 | 02-XX-2026 |
| 638 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 639 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.12 | 29.12 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 640 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 76.58 | 76.58 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 01-XX-2026 |
| 641 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 642 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 643 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 645 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 646 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 647 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 649 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 73.91 | 73.91 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 650 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.31 | 67.31 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 651 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 652 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.62 | 73.62 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 653 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 654 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | LOW RISK | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-XX-2026 |
| 655 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.93 | 50.93 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 01-XX-2026 |
| 656 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.73 | 78.73 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 657 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.24 | 72.24 | XXXX | XXXX | .0118 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0118 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 658 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 659 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 02-XX-2026 |
| 660 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 661 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 33.33 | 33.33 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 662 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 58.18 | 58.18 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 11-XX-2025 |
| 663 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.84 | 42.84 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 01-XX-2026 |
| 665 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 57.97 | 57.97 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 01-XX-2026 |
| 667 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-XX-2026 |
| 669 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 68.49 | 68.49 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 673 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.81 | 22.81 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 01-XX-2025 |
| 675 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 57.98 | 57.98 | XXXX | XXXX | -.0008 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0008 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 999 | 01-XX-2026 |
| 676 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.15 | 74.15 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 682 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 685 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 686 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 688 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 690 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 82.31 | 82.31 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-XX-2026 |
| 691 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-XX-2026 | Eligible |  |  |
| 692 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0185 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0185 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1358 | XXXX | High Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 693 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.41 | 65.41 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 695 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 58.64 | 58.64 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 698 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 71.54 | 71.54 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 699 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 701 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 02-XX-2026 | Not Eligible |  |  |
| 702 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 703 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.08 | 73.08 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 704 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 52.9 | 52.9 | XXXX | XXXX | .1045 | Desk Review |  |  |  |  | XXXX | XXXX | .1045 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .1045 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 01-XX-2026 |
| 707 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 714 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 715 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | -.0015 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0015 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-XX-2026 |
| 717 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | .0325 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 718 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 84.96 | 84.96 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 02-XX-2026 |
| 720 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 723 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 724 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 81.18 | 81.18 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 727 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 728 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 52.78 | 52.78 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 729 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 730 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.92 | 72.92 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 01-XX-2026 |
| 731 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 444 | 12-XX-2025 |
| 733 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 49.99 | 49.99 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 735 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0223 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0223 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  | 1.3 | 02-XX-2026 |
| 743 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 01-XX-2026 |
| 744 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 745 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.94 | 69.94 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 747 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-XX-2026 |
| 752 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 48.45 | 48.45 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 12-XX-2025 |
| 753 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 757 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 759 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 77.48 | 77.48 | XXXX | XXXX | .0396 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0396 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-XX-2025 |
| 760 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 761 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 762 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 02-XX-2026 |
| 763 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 765 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 58.7 | 58.7 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 767 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-XX-2026 |
| 769 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0909 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 773 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 775 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 02-XX-2026 |
| 776 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 779 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 780 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 46.95 | 46.95 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 781 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 782 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 78.82 | 78.82 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 783 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 51.95 | 51.95 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 786 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 43.08 | 43.08 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 788 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 789 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 790 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.93 | 74.93 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 01-XX-2026 |
| 791 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 792 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 69.96 | 69.96 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 793 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 794 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 795 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.47 | 77.47 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | 03-XX-2026 |
| 797 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.6 | 67.6 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 798 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0196 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0196 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-XX-2026 |
| 800 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 801 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 802 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 805 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.07 | 27.07 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-XX-2026 |
| 806 | XXXX |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.64 | 63.64 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-XX-2025 |
| 922 | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

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|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
| 1 | XXXX |  |  | XXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B |
| 3 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 4 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 7 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 9 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 11 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 12 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 13 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 15 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 16 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 17 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 18 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 19 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 20 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 21 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 22 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 23 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 24 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 25 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 26 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 29 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 31 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 32 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 34 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 35 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 37 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 38 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 39 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 40 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 41 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 42 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 43 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 44 | XXXX |  |  | XXXX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 45 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 47 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 50 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 51 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 53 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 55 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 56 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 58 | XXXX |  |  | XXXX | C | C | C | C | C | B | B | B | B | B | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B |
| 59 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 62 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 63 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 66 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 67 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 68 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 69 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 71 | XXXX |  |  | XXXX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 75 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 78 | XXXX |  |  | XXXX | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 79 | XXXX |  |  | XXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 80 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 81 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 83 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 87 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 91 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 94 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 96 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 100 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 101 | XXXX |  |  | XXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 102 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 103 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 104 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 106 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 107 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 108 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 109 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 110 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 111 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 112 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 115 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 116 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 117 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 119 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 120 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 121 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 125 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 126 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 127 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 129 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 136 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 137 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 140 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 141 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 142 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 144 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 145 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 146 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 149 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 151 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 152 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 155 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 156 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 157 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 158 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 160 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 161 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 162 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 165 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 167 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 168 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 169 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 173 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 174 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 175 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 177 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 178 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 179 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 182 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 186 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 188 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 195 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 196 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 200 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 202 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 203 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 205 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 208 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 210 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 211 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 213 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 215 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 216 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 218 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 220 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 223 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 224 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 229 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 231 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 232 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 233 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 237 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 238 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 241 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 242 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 244 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 246 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 247 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 248 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 250 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 251 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 254 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 256 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 257 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 259 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 262 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 263 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 265 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 266 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 267 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 269 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 270 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 274 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 277 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 279 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 280 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 281 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 282 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 284 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 285 | XXXX |  |  | XXXX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 286 | XXXX |  |  | XXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 287 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 288 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 289 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 290 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 291 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 292 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 293 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 295 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 298 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 299 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 302 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 303 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 305 | XXXX |  |  | XXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 306 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 309 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 312 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 315 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 319 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 320 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 322 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 326 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 328 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 329 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 330 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 331 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 334 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 335 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 336 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 337 | XXXX |  |  | XXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 338 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 340 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 341 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 342 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 343 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 344 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 345 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 346 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 348 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 350 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 351 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 352 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 353 | XXXX |  |  | XXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 354 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 355 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 356 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 358 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 359 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 362 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 363 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 364 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 366 | XXXX |  |  | XXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 367 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 370 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 373 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 374 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 375 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 378 | XXXX |  |  | XXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 379 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 381 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 388 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 389 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 390 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 391 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 392 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 393 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 394 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 397 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 398 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 399 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 401 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 403 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 404 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 406 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 410 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 411 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 414 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 416 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 418 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 419 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 421 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 426 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 428 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 430 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 431 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 433 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 434 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 435 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 436 | XXXX |  |  | XXXX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 437 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 440 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 442 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 443 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 444 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 445 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 447 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 450 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 451 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 453 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 456 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 458 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 461 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 464 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 465 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 466 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 467 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 469 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 471 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 472 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 473 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 474 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 476 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 477 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 478 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 479 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 480 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 482 | XXXX |  |  | XXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B |
| 485 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 486 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 488 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 489 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 491 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 492 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 495 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 500 | XXXX |  |  | XXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 501 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 502 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 503 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 504 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 507 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 508 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 509 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 510 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 511 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 512 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 513 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 516 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 517 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 518 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 519 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 521 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 523 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 524 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 526 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 527 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 531 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 532 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 533 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 534 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 535 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 537 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 539 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 542 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 543 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 544 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 545 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 546 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 547 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 548 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 550 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 551 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 553 | XXXX |  |  | XXXX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 554 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 558 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 560 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 564 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 565 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 568 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 572 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 574 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 577 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 578 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 579 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 580 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 583 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 584 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 585 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 587 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 590 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 591 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 593 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 594 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 595 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 596 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 598 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 601 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 603 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 604 | XXXX |  |  | XXXX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 605 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 606 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 608 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 609 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 610 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 614 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 617 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 618 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 619 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 620 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 621 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 622 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 623 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 625 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 628 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 630 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 631 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 632 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 633 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 636 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 638 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 639 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 640 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 641 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 642 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 643 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 645 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 646 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 647 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 649 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 650 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 651 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 652 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 653 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 654 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 655 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 656 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 657 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 658 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 659 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 660 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 661 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 662 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 663 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 665 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 667 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 669 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 673 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 675 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 676 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 682 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 685 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 686 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 688 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 690 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 691 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 692 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 693 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 695 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 698 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 699 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 701 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 702 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 703 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 704 | XXXX |  |  | XXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | B | A | B | B | B | B | B |
| 707 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 714 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 715 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 717 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 718 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 720 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 723 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 724 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 727 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 728 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 729 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 730 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 731 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 733 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 735 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 743 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 744 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 745 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 747 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 752 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 753 | XXXX |  |  | XXXX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 757 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 759 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 760 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 761 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 762 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 763 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 765 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 767 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 769 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 773 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 775 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 776 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 779 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 780 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 781 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 782 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 783 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 786 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 788 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 789 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 790 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 791 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 792 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 793 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 794 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 795 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 797 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 798 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 800 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 801 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 802 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 805 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 806 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 922 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | Loan ID | Seller Loan ID | Investor Loan ID | Seller Name | Loan Program | Documentation Type | Executed NOO Docs in File | Lease In Place Flag | Actual In Place Rent | Third Party Market Rent Estimate | Third Party Rent Source | Actual Short Term Rent Amount | Actual Short Term Rent Source | Short Term Rent Number of Months | Short Term Rental Occupancy Factor | Rental Income Used for Property DSCR Calculation | Rental Source for Property DSCR Calculation | DSCR Calculation Based On Short Rental Income Flag | Property DTI | Originator DSCR | TPR DSCR | PITIA | Gross Rental Income Unit 1 | Lease End Date Unit 1 | Lease Term Unit 1 | Gross Rental Income Unit 2 | Lease End Date Unit 2 | Lease Term Unit 2 | Gross Rental Income Unit 3 | Lease End Date Unit 3 | Lease Term Unit 3 | Gross Rental Income Unit 4 | Lease End Date Unit 4 | Lease Term Unit 4 | Gross Rental Income Unit 5 | Lease End Date Unit 5 | Lease Term Unit 5 | Gross Rental Income Unit 6 | Lease End Date Unit 6 | Lease Term Unit 6 | Gross Rental Income Unit 7 | Lease End Date Unit 7 | Lease Term Unit 7 | Gross Rental Income Unit 8+ | Rent Loss Insurance | Rent Loss Insurance Amount | Fee Amount | Acquisition Cost | Renovation Cost | Effective Gross Income | Turnover Costs | Repairs and Maintenance | Marketing and Leasing Costs | Utilities | Other Costs | Cap Ex Reserve | Section 8 | Blanket Mortgage/Cross Collateral Flag | Number of Years Property Owned | Number of Mortgaged Properties With Lender | Number of Properties Securing Loan | Foreign National Alternative Credit Documentation | Months Reserves | Loan Closed in the name of Business Entity | Vested Business Entity Name | Vested Business Entity Type | Qualifying Primary Borrower Type | Qualifying Primary Borrower First Name | Qualifying Primary Borrower Last Name | Qualifying CoBorrower Type | Qualifying CoBorrower First Name | Qualifying CoBorrower Last Name | Qualifying CoBorrower 2 Type | Qualifying CoBorrower 2 First Name | Qualifying CoBorrower 2 Last Name | Qualifying CoBorrower 3 Type | Qualifying CoBorrower 3 First Name | Qualifying CoBorrower 3 Last Name | Non-Qualifying Guarantor 1 First Name | Non-Qualifying Guarantor 1 Last Name | Non-Qualifying Guarantor 1 Citizenship | Non-Qualifying Guarantor 1 Country Name | Non-Qualifying Guarantor 2 First Name | Non-Qualifying Guarantor 2 Last Name | Non-Qualifying Guarantor 2 Citizenship | Non-Qualifying Guarantor 2 Country Name | Personal Guaranty | Total Number of Guarantors | Personal Guaranty Recourse Level | Business Entity EIN | Primary Appraisal Occupancy |
| 7 | XXXX |  |  | XXXX | SmartVest Product Correspondent 09.25.2025 | Debt Service Coverage Ratio | Present | No | 0 | 1125 | Appraisal - 1007 |  |  |  |  | 1125 | Appraisal - 1007 | No | 104.44 | 0.96 | 0.957 | 1174.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 7049.64 |  |  |  | 1125 |  |  |  |  |  |  |  | No | 0.1 | 1 | 1 | N/A | 14.83 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 9 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 4000 | Appraisal - 1007 |  |  |  |  | 4000 | Appraisal - 1007 | No | 120.6 | 0.86 | 0.829 | 4824.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27813.66 |  |  |  | 4000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 36.39 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 11 | XXXX |  |  | XXXX | SmartVest Product Correspondent 11.24.2025 | Debt Service Coverage Ratio | Present | Yes |  | 3400 | Appraisal - 1025 |  |  |  |  |  | Actual In Place Rent | No | 70.6 | 1.3 | 1.416 | 2329.84 | 1650 | 02-28-2026 | 7 | 1650 | 02-28-2026 | 7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38982 |  |  |  |  |  |  |  |  |  |  | No | No | 4.3 | 1 | 1 | N/A | 25.07 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | Full Recourse | XXXX | Tenant |
| 12 | XXXX |  |  | XXXX | SmartVest Product Correspondent 09.25.2025 | Debt Service Coverage Ratio | Present | Yes | 4100 | 3800 | Appraisal - 1007 |  |  |  |  | 4100 | Actual In Place Rent | No | 105.13 | 0.95 | 0.951 | 4310.17 | 4100 | 12-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 47670 |  |  |  | 4100 |  |  |  |  |  |  | No | No | 1.5 | 1 | 1 | N/A | 41.46 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 15 | XXXX |  |  | XXXX | SmartVest Product Correspondent 10.27.2025 | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 4883.33 | XXXX | 68 | 59.00% | 4883.33 | XXXX | Yes | 58.43 | 1.71 | 1.712 | 2853.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17161.2 |  |  |  | 4883.33 |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 37.63 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 16 | XXXX |  |  | XXXX | 5500 Smart Edge 30 Yr Fixed | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 8374.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 78300 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 209.59 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 18 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes |  | 3600 | Appraisal - 1025 |  |  |  |  |  | Appraisal - 1025 | No | 87.3 | 1.14 | 1.145 | 3142.74 | 1000 | 02-05-2026 | 1 | 0 | 02-05-2026 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 49600 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 222.48 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 20 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 2340 | 2400 | Appraisal - 1025 |  |  |  |  | 2340 | Actual In Place Rent | No | 72.3 | 1.36 | 1.383 | 1691.93 | 1195 | 04-30-2026 | 12 | 1145 | 01-29-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10151.58 |  |  |  | 2340 |  |  |  |  |  |  | No | No | 2.8 | 1 | 1 | N/A | 110.32 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1 | Full Recourse | XXXX | Tenant |
| 24 | XXXX |  |  | XXXX | 5500 Smart Edge 30 Yr Fixed | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3474.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.7 | 1 | 1 | N/A | 190.91 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 34 | XXXX |  |  | XXXX | SmartVest Product Correspondent 11.24.2025 | Debt Service Coverage Ratio | Present | Yes | 1700 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Appraisal - 1007 | No | 94.1 | 1 | 1.063 | 1693.87 | 1700 | 10-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32500 |  |  |  | 1800 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 30.05 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 37 | XXXX |  |  | XXXX | SmartVest Product Correspondent 11.24.2025 | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 7275 | XXXX | 12 | 50.00% | 7275 | XXXX | Yes | 89.63 | 1.116 | 1.116 | 6520.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 75729.36 |  |  |  | 7275 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 17.85 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 38 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 7065 | 7100 | Appraisal - 1025 |  |  |  |  | 7065 | Actual In Place Rent | No | 76.27 | 1.31 | 1.311 | 5388.77 | 1770 | 02-10-2026 | 1 | 1775 | 05-31-2026 | 12 | 1745 | 02-10-2026 | 1 | 1775 | 01-31-2026 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 32332.62 |  |  |  | 7065 |  |  |  |  |  |  | No | No | 23.3 | 1 | 1 | N/A | 30.12 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 39 | XXXX |  |  | XXXX | SmartVest Product Correspondent 11.24.2025 | Debt Service Coverage Ratio | Present | Yes | 5600 | 7275 | Appraisal - 1025 |  |  |  |  | 5600 | Actual In Place Rent | No | 79.49 | 1.25 | 1.258 | 4451.37 | 2800 | 03-01-2026 | 12 | 2800 | 03-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 59800 |  |  |  | 5600 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 26.93 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 41 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | No |  |  | Short Term Rental | 0 | XXXX | 12 | 67.00% |  | XXXX | Yes | 74.81 | 1.337 | 1.337 | 5634.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 94500 |  |  |  |  |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 61.35 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 44 | XXXX |  |  | XXXX | SmartVest Product Correspondent 11.24.2025 | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 99.59 | 1 | 1.004 | 1693.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20340 |  | 0 |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 710.73 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 45 | XXXX |  |  | XXXX | SmartVest Product Correspondent 11.24.2025 | Debt Service Coverage Ratio | Present | Yes | 1700 | 1875 | Appraisal - 1007 |  |  |  |  | 1700 | Actual In Place Rent | No | 97.89 | 1.02 | 1.022 | 1664.06 | 1700 | 06-04-2022 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19968.72 |  |  |  | 1700 |  |  |  |  |  |  | No | No | 2.2 | 1 | 1 | N/A | 31.67 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 51 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 2345 | 2390 | Appraisal - 1025 |  |  |  |  | 2345 | Actual In Place Rent | No | 85.02 | 1.17 | 1.176 | 1993.66 | 1150 | 02-28-2026 | 12 | 1195 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28280 |  |  |  | 2345 |  |  |  |  |  |  | No | No | 9.5 | 2 | 1 | N/A | 106.27 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 53 | XXXX |  |  | XXXX | 5500 Smart Self 30 Yr Fixed | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1385.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 192400 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 382.62 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 55 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 1850 | 1550 | Appraisal - 1007 |  |  |  |  | 1550 | Appraisal - 1007 | No | 81.03 | 1.234 | 1.234 | 1255.89 | 1850 | 02-01-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22200 |  |  |  | 1550 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 27.21 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 62 | XXXX |  |  | XXXX | SmartVest Product Correspondent 11.24.2025 | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 94.31 | 1.06 | 1.06 | 1603.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 73.49 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Vacant |
| 63 | XXXX |  |  | XXXX | SmartVest Product Correspondent 11.24.2025 | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 94.31 | 1.06 | 1.06 | 1603.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19238.28 |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 115.73 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Vacant |
| 66 | XXXX |  |  | XXXX | 5500 Smart Edge 30 Yr Fixed | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1791.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 36 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 71 | XXXX |  |  | XXXX | SmartVest Product Correspondent 10.27.2025 | Debt Service Coverage Ratio | Present | Yes | 1200 | 1400 | Appraisal - 1007 |  |  |  |  | 1200 | Actual In Place Rent | No | 88.08 | 1.13 | 1.135 | 1056.95 | 1200 | 02-13-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12722.4 |  |  |  | 1200 |  |  |  |  |  |  | No | No | 19 | 1 | 1 | N/A | 87.62 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 75 | XXXX |  |  | XXXX | 5500 Smart Edge 30 Yr Fixed | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2260.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 110.22 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 78 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 1500 | 2685 | Appraisal - 1025 |  |  |  |  | 2685 | Appraisal - 1025 | No | 70.09 | 1.47 | 1.427 | 1882.05 | 1500 | 03-01-2025 | 1 | 0 | 02-12-2026 | 0 | 0 | 02-12-2026 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23234.4 |  |  |  | 2685 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 26.62 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 80 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 2100 | 2200 | Appraisal - 1007 |  |  |  |  | 2100 | Actual In Place Rent | No | 68.26 | 1.46 | 1.465 | 1433.43 | 2100 | 08-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 2100 |  |  |  |  |  |  | No | No | 14.9 | 1 | 1 | N/A | 76.21 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 87 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  |  |  |  | 2300 | Appraisal - 1007 | No | 43.96 | 2.22 | 2.275 | 1011.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10291.08 |  |  |  | 2300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 267.46 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 91 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 1800 | 1550 | Appraisal - 1007 |  |  |  |  | 1550 | Appraisal - 1007 | No | 95.77 | 1.04 | 1.044 | 1484.36 | 1800 | 02-20-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 1550 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 167.36 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 94 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 1650 | 1850 | Appraisal - 1025 |  |  |  |  | 1650 | Actual In Place Rent | No | 60.12 | 1.67 | 1.663 | 991.97 | 900 | 03-03-2026 | 12 | 750 | 03-03-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24400 |  |  |  | 1650 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 112.67 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 96 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.22.2026 | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 3150 | Appraisal - 1007 |  |  |  |  | 3150 | Appraisal - 1007 | No | 92.24 | 1.08 | 1.084 | 2905.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36450 |  |  |  | 3150 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.85 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 100 | XXXX |  |  | XXXX | 5500 Smart Self 30 Yr Fixed | 24 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4889.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 133350 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 65.91 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 102 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 2000 | 2400 | Appraisal - 1007 |  |  |  |  | 2000 | Actual In Place Rent | No | 124.83 | 0.8 | 0.801 | 2496.53 | 2000 | 11-30-2029 | 120 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 71000 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 39.5 | 3 | 1 | N/A | 121.49 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 103 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 1365 | 1400 | Appraisal - 1007 |  |  |  |  | 1365 | Actual In Place Rent | No | 94.05 | 1 | 1.063 | 1283.79 | 1365 | 05-01-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 1365 |  |  |  |  |  |  | No | No | 4.4 | 1 | 1 | N/A | 75.42 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 109 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  |  |  |  | 1750 | Appraisal - 1007 | No | 85.58 | 1.16 | 1.169 | 1497.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17971.2 |  |  |  | 1750 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 27.73 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 117 | XXXX |  |  | XXXX | 5500 Smart Edge 30 Yr Fixed | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 8020.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 63300 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 14.05 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 120 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 1875 | Appraisal - 1007 |  |  |  |  | 1875 | Appraisal - 1007 | No | 84.81 | 1.18 | 1.179 | 1590.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 9489.72 |  |  |  | 1875 |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 318.37 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 121 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal - 1025 |  |  |  |  | 2800 | Appraisal - 1025 | No | 87.45 | 1.14 | 1.144 | 2448.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16800 |  |  |  | 2800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 50.61 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 125 | XXXX |  |  | XXXX | 5500 Smart Edge 30 Yr Fixed | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 927.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33789 |  |  |  |  |  |  |  |  |  |  |  | No | 2.5 | 1 | 1 | N/A | 56.17 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 136 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 4780 | 4000 | Appraisal - 1025 |  |  |  |  | 4000 | Appraisal - 1025 | No | 50.07 | 1.99 | 1.997 | 2002.78 | 1195 | 11-30-2026 | 12 | 1195 | 11-30-2026 | 12 | 1195 | 12-31-2026 | 12 | 1195 | 12-31-2026 | 11 |  |  |  |  |  |  |  |  |  |  | Yes | 37500 |  |  |  | 4000 |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 | N/A | 116.8 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 137 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 3150 | Appraisal - 1007 |  |  |  |  | 3150 | Appraisal - 1007 | No | 85.98 | 1.16 | 1.163 | 2708.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12815.4 |  |  |  | 3150 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 29.46 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 140 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 1800 | 1700 | Appraisal - 1007 |  |  |  |  | 1800 | Actual In Place Rent | No | 70.42 | 1.41 | 1.42 | 1267.64 | 1800 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15211.68 |  |  |  | 1800 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 21.28 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 142 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 3950 | 3950 | Appraisal - 1007 |  |  |  |  | 3950 | Actual In Place Rent | No | 100 | 1 | 1 | 3949.82 | 3950 | 05-31-2026 | 6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 3950 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 9.56 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 144 | XXXX |  |  | XXXX | 5500 Smart Edge 30 Yr Fixed | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 13658.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 42.12 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 145 | XXXX |  |  | XXXX | 5500 Smart Edge 30 Yr Fixed | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2753.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18750 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 195.24 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 151 | XXXX |  |  | XXXX | 5500 Smart Edge 30 Yr Fixed | 1YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 8269.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 55.39 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 157 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 1800 | 1825 | Appraisal - 1007 |  |  |  |  | 1800 | Actual In Place Rent | No | 62.61 | 1.59 | 1.597 | 1127.07 | 1800 | 07-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23500 |  |  |  | 1800 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 17.7 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 158 | XXXX |  |  | XXXX | 5500 Smart Edge 30 Yr Fixed | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3494.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 1065.67 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 160 | XXXX |  |  | XXXX | 5500 Smart Edge 30 Yr Fixed | Retirement Income Doc Verified | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2583.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26605 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 523.16 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 161 | XXXX |  |  | XXXX | 5500 Smart Edge 30 Yr Fixed | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1170.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 60.6 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 165 | XXXX |  |  | XXXX | 5500 Smart Edge 30 Yr Fixed | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4573.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 62400 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 10.18 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 167 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 4008.33 | XXXX | 12 | 48.00% | 4008.33 | XXXX | Yes | 74.81 | 1.33 | 1.337 | 2998.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2400 |  | 0 |  | 4008.33 |  |  |  |  |  |  |  | No | 0.1 | 1 | 1 | N/A | 47.32 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 168 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 1843.92 | 1560 | Appraisal - 1007 |  |  |  |  | 1560 | Appraisal - 1007 | No | 75.51 | 1.32 | 1.324 | 1177.92 | 1843.92 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14135.04 |  |  |  | 1560 |  |  |  |  |  |  | No | No | 0 | 1 | 1 |  | 730.41 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 169 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  |  |  |  | 1600 | Appraisal - 1007 | No | 83.96 | 1.19 | 1.191 | 1343.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13967.4 |  |  |  | 1600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.05 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 174 | XXXX |  |  | XXXX | 5500 Smart Edge 30 Yr Fixed | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3138.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 54000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.82 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 177 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  |  |  |  | 2100 | Appraisal - 1007 | No | 78.63 | 1.15 | 1.272 | 1651.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28000 |  |  |  | 2100 |  |  |  |  |  |  |  | No | 0 | 3 | 1 | N/A | 135.79 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Vacant |
| 179 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 10663 | 11600 | Appraisal - 1025 |  |  |  |  | 10663 | Actual In Place Rent | No | 80.43 | 1.24 | 1.243 | 8575.76 | 3000 | 03-12-2026 | 1 | 3200 | 08-30-2026 | 12 | 2600 | 06-30-2026 | 12 | 1863 | 03-12-2026 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 102909.12 |  |  |  | 10663 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 65.53 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 182 | XXXX |  |  | XXXX | SmartVest Product Correspondent 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 2125 | 2150 | Appraisal - 1007 |  |  |  |  | 2125 | Actual In Place Rent | No | 85.21 | 1.17 | 1.174 | 1810.78 | 2125 | 03-31-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10879.92 |  |  |  | 2125 |  |  |  |  |  |  | No | No | 21.8 | 1 | 1 | N/A | 50.82 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 202 | XXXX |  |  | XXXX | SmartVest Product Summary 2025.12.18 | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Appraisal - 1007 | No | 90.09 | 1.06 | 1.11 | 1621.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 77000 |  |  |  | 1800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.99 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 205 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 1100 | 1500 | Appraisal - 1007 |  |  |  |  | 1100 | Actual In Place Rent | No | 88.03 | 1.13 | 1.136 | 968.35 | 1100 | 02-28-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28000 |  |  |  | 1100 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 12.07 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 211 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | No | 0 | 1850 | Appraisal - 1007 |  |  |  |  | 1850 | Appraisal - 1007 | No | 74.28 | 1.34 | 1.346 | 1374.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16489.2 |  |  |  | 1850 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 36.78 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 216 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 1875 | 1950 | Appraisal - 1007 |  |  |  |  | 1875 | Actual In Place Rent | No | 76.01 | 1.31 | 1.316 | 1425.18 | 1875 | 07-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17102.16 |  |  |  | 1875 |  |  |  |  |  |  | No | No | 4 | 1 | 1 | N/A | 24.17 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 218 | XXXX |  |  | XXXX | Smart Series Underwriting Guide 2025.09.25 (v25.8) | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 12402.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.81 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 220 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No |  |  | Short Term Rental | 3816.67 | XXXX | 12 | 49.00% |  | Short Term Rental | Yes | 126.62 | 1.51 | 0.79 | 2532.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 1431.16 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | Full Recourse | XXXX | Vacant |
| 224 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 1933.33 | XXXX | 12 | 51.90% | 1933.33 | XXXX | Yes | 72.19 | 1.38 | 1.385 | 1395.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21900 |  |  |  | 1933.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 75.88 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 229 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 5566.67 | XXXX | 12 | 47.80% | 5566.67 | XXXX | Yes | 57.14 | 1.75 | 1.75 | 3180.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 80000 |  |  |  | 5566.67 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 88.27 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 231 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 2200 | 2800 | Appraisal - 1025 |  |  |  |  | 2200 | Actual In Place Rent | No | 67.96 | 1.47 | 1.471 | 1495.1 | 1400 | 11-30-2026 | 12 | 800 | 02-06-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23760 |  |  |  | 2200 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 179.52 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 238 | XXXX |  |  | XXXX | NRZ Smart Edge 30 Year Fixed | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 14385.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 83.94 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 241 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | Yes | 1845 | 3600 | Appraisal - 1025 |  |  |  |  | 3600 | Appraisal - 1025 | No | 82.85 | 1.22 | 1.207 | 2982.72 | 895 | 07-31-2026 | 12 | 950 | 11-30-2026 | 12 | 0 | 07-31-2026 | 1 | 0 | 07-31-2026 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 69100 |  |  |  | 3600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 73.09 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 248 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 10.23.2025 | Debt Service Coverage Ratio | Present | No | 0 | 2600 | Appraisal - 1025 |  |  |  |  | 2600 | Appraisal - 1025 | No | 59.22 | 1.55 | 1.688 | 1539.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35639 |  |  |  | 2600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 63.45 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 250 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6409.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.7 | 2 | 1 | N/A | 312.03 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 251 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1025 |  |  |  |  | 2500 | Appraisal - 1025 | No | 92.36 | 1.08 | 1.083 | 2309.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41500 |  |  |  | 2500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 582.53 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 259 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 8539.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 124000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 20.34 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 262 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 1900 | 1950 | Appraisal - 1007 |  |  |  |  | 1900 | Actual In Place Rent | No | 87.86 | 1.13 | 1.138 | 1669.28 | 1900 | 02-13-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29900 |  |  |  | 1900 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 18.04 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 266 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2974.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 30.32 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 267 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 2 Yr Bank Stmt. | 24 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 5826.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 16.78 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 269 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  |  |  |  | 2900 | Appraisal - 1007 | No | 148.71 | 0.67 | 0.672 | 4312.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 48900 |  |  |  | 2900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 23.63 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 274 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 5200 | Appraisal - 1025 |  |  |  |  | 5200 | Appraisal - 1025 | No | 76.3 | 1.31 | 1.311 | 3967.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 47612.28 |  |  |  | 5200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.03 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 277 | XXXX |  |  | XXXX | NRZ Smart Edge 30 Year Fixed | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2715.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 32.9 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 279 | XXXX |  |  | XXXX | SmartVest Product Summary 2026.02.26 (v26.04) | Debt Service Coverage Ratio | Present | Yes | 2800 | 3200 | Appraisal - 1025 |  |  |  |  | 2800 | Actual In Place Rent | No | 72.92 | 1.58 | 1.371 | 2041.65 | 1600 | 03-31-2027 | 12 | 1200 | 03-09-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26715.84 |  |  |  | 2800 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 37.48 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 280 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 11.20.2025 | Debt Service Coverage Ratio | Present | Yes | 2150 | 2015 | Appraisal - 1007 |  |  |  |  | 2015 | Appraisal - 1007 | No | 72.36 | 1.26 | 1.382 | 1458.08 | 2150 | 04-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24950 |  |  |  | 2015 |  |  |  |  |  |  | No | No | 22.9 | 1 | 1 | N/A | 101.4 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 282 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4196.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.3 | 1 | 1 | N/A | 55.57 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 285 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 2200 | 2000 | Appraisal - 1007 |  |  |  |  | 2200 | Actual In Place Rent | No | 97.38 | 1.02 | 1.027 | 2142.33 | 2200 | 01-19-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25707.96 |  |  |  | 2200 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 6.73 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 288 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | Yes | 1585 | 1750 | Appraisal - 1007 |  |  |  |  | 1585 | Actual In Place Rent | No | 70.83 | 1.41 | 1.412 | 1122.61 | 1585 | 03-07-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4597.2 |  |  |  | 1585 |  |  |  |  |  |  | No | No | 6.7 | 1 | 1 | N/A | 107.31 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 289 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 4700 | XXXX | 12 | 50.00% | 4700 | XXXX | Yes | 78.67 | 1.27 | 1.271 | 3697.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 73700 |  |  |  | 4700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.25 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 290 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 3000 | 3200 | Appraisal - 1025 |  |  |  |  | 3000 | Actual In Place Rent | No | 79.23 | 1.26 | 1.262 | 2377.03 | 1500 | 02-28-2026 | 12 | 1500 | 01-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1890 |  |  |  | 3000 |  |  |  |  |  |  | No | No | 6.2 | 2 | 1 | N/A | 60.28 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 295 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal - 1025 |  |  |  |  | 3600 | Appraisal - 1025 | No | 96.01 | 1.04 | 1.042 | 3456.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29520 |  |  |  | 3600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.53 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 302 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 5020 | 5050 | Appraisal - 1007 |  |  |  |  | 5020 | Actual In Place Rent | No | 87.06 | 1.14 | 1.149 | 4370.29 | 2670 | 05-31-2026 | 12 | 2350 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23000 |  |  |  | 5020 |  |  |  |  |  |  | No | No | 1.6 | 1 | 1 | N/A | 76.12 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 312 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 3250 | Appraisal - 1007 |  |  |  |  | 3250 | Appraisal - 1007 | No | 111.28 | 0.89 | 0.899 | 3616.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43400 |  |  |  | 3250 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 55.01 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| 320 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 1700 | 1900 | Appraisal - 1007 |  |  |  |  | 1700 | Actual In Place Rent | No | 81.7 | 1.26 | 1.224 | 1388.86 | 1700 | 02-11-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16666.32 |  |  |  | 1700 |  |  |  |  |  |  | No | No | 4 | 1 | 1 | N/A | 32.21 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 328 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.22.2026 | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1007 |  |  |  |  | 1750 | Appraisal - 1007 | No | 109.78 | 0.89 | 0.911 | 1921.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24300 |  |  |  | 1750 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 119.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 330 | XXXX |  |  | XXXX | SmartVest Product Correspondent 02.26.2026 | Debt Service Coverage Ratio | Present | Yes | 2000 | 1312.5 | Appraisal - 1007 |  |  |  |  | 1312.5 | Appraisal - 1007 | No | 89.63 | 1.11 | 1.116 | 1176.41 | 2000 | 02-01-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16500 |  |  |  | 1312.5 |  |  |  |  |  |  | No | No | 5 | 1 | 1 | N/A | 35.65 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 334 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 1950 | Appraisal - 1007 |  |  |  |  | 1950 | Appraisal - 1007 | No | 95.92 | 1.04 | 1.043 | 1870.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28000 |  |  |  | 1950 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.62 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 335 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | No | 0 | 5000 | Appraisal - 1007 |  |  |  |  | 5000 | Appraisal - 1007 | No | 95.85 | 1.04 | 1.043 | 4792.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 5000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.57 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 336 | XXXX |  |  | XXXX | NRZ Smart Edge 30 Year Fixed | 2YR Full Doc | Present | Yes |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2133.07 | 2950 | 09-29-2028 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 67800 |  |  |  |  |  |  |  |  |  |  |  | No | 14.8 | 1 | 1 | N/A | 58.57 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 337 | XXXX |  |  | XXXX | NRZ Smart Edge 30 Year Fixed | Retirement Income Doc Verified | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3843.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25208 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 8.94 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 343 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 1940 | Appraisal - 1007 |  |  |  |  | 1940 | Appraisal - 1007 | No | 71.66 | 1.04 | 1.396 | 1390.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23280 |  |  |  | 1940 |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 99.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 344 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 3850 | Appraisal - 1007 |  |  |  |  | 3850 | Appraisal - 1007 | No | 110.95 | 0.86 | 0.901 | 4271.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39071.76 |  | 0 |  | 3850 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.04 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 346 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 1549 | 1550 | Appraisal - 1007 |  |  |  |  | 1549 | Actual In Place Rent | No | 66.42 | 1.49 | 1.506 | 1028.88 | 1549 | 02-28-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12435.84 |  |  |  | 1549 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 51.74 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 348 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 1481.25 | Appraisal - 1007 |  |  |  |  | 1481.25 | Appraisal - 1007 | No | 147.76 | 0.67 | 0.677 | 2188.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21095.52 |  |  |  | 1481.25 |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 103.92 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 352 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6451.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 9.89 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 359 | XXXX |  |  | XXXX | NRZ Smart Edge 30 Year Fixed | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6662.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 150600 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 5.51 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 364 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  |  |  |  | 1600 | Appraisal - 1007 | No | 88.77 | 1.12 | 1.127 | 1420.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12003.84 |  |  |  | 1600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.18 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 367 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1025 |  |  |  |  | 1700 | Appraisal - 1025 | No | 57.93 | 1.72 | 1.726 | 984.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11818.32 |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 823.37 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 374 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  |  |  |  | 3500 | Appraisal - 1007 | No | 85.92 | 1.15 | 1.164 | 3007.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36087.6 |  |  |  | 3500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.97 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 379 | XXXX |  |  | XXXX | NRZ Smart Edge 30 Year Fixed | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2359 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 5.21 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 392 | XXXX |  |  | XXXX | Smartvest Product Summary | Debt Service Coverage Ratio | Present | Yes |  | 4827 | Appraisal - 1025 |  |  |  |  | 4827 | Appraisal - 1025 | No | 94.69 | 1.04 | 1.056 | 4570.46 | 2027 | 01-01-2026 | 1 | 0 | 03-31-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50600 |  |  |  |  |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 122.21 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | Full Recourse | XXXX | Tenant |
| 394 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 3300 | Appraisal - 1007 |  |  |  |  | 3300 | Appraisal - 1007 | No | 158.62 | 0.63 | 0.63 | 5234.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  | 3300 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 129.6 | No |  |  | Individual Guarantor | XXXX | XXXX | Individual Guarantor |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 | N/A |  | Vacant |
| 397 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 3000 | 2900 | Appraisal - 1007 |  |  |  |  | 3000 | Actual In Place Rent | No | 91.11 | 1.193 | 1.098 | 2733.2 | 3000 | 10-17-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 47100 |  |  |  | 3000 |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 20.98 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 399 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 1600 | 1800 | Appraisal - 1007 |  |  |  |  | 1600 | Actual In Place Rent | No | 97.6 | 1.02 | 1.025 | 1561.55 | 1600 | 01-15-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2400 |  |  |  | 1600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 154.01 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 400 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2794.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.6 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 411 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 1150 | 1500 | Appraisal - 1007 |  |  |  |  | 1150 | Actual In Place Rent | No | 88.16 | 1.13 | 1.134 | 1013.89 | 1150 | 02-13-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 8172.36 |  |  |  | 1150 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 97.61 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 421 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 12000 | 12212 | Appraisal - 1025 |  |  |  |  | 12000 | Actual In Place Rent | No | 67.08 | 1.49 | 1.491 | 8050.19 | 3000 | 10-31-2026 | 12 | 3000 | 06-30-2026 | 12 | 3000 | 09-30-2026 | 12 | 3000 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 12000 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 13.69 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 426 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 1275 | 130 | Appraisal - 1007 |  |  |  |  | 1275 | Actual In Place Rent | No | 76.9 | 1.3 | 1.3 | 980.42 | 1275 | 08-31-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5882.52 |  |  |  | 1275 |  |  |  |  |  |  | No | No | 19.5 | 1 | 1 | N/A | 81.94 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 430 | XXXX |  |  | XXXX | NRZ Smart Edge 30 Year Fixed | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4304.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 175000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 31.35 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 431 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | No | 0 | 1975 | Appraisal - 1007 |  |  |  |  | 1975 | Appraisal - 1007 | No | 99.93 | 1 | 1.001 | 1973.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22500 |  |  |  | 1975 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 185.18 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| 434 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | No |  |  | Short Term Rental | 4625 | XXXX | 12 | 60.00% |  | XXXX | Yes | 48.76 | 1.35 | 1.355 | 3413.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 93600 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 31.35 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 436 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 11.20.2025 | Debt Service Coverage Ratio | Present | Yes | 3500 | 3475 | Appraisal - 1007 |  |  |  |  | 3475 | Appraisal - 1007 | No | 98.28 | 1.02 | 1.018 | 3415.21 | 3500 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 57500 |  |  |  | 3475 |  |  |  |  |  |  | No | No | 2.9 | 1 | 1 | N/A | 6.52 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 442 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 4750 | 4400 | Appraisal - 1025 |  |  |  |  | 4400 | Appraisal - 1025 | No | 96.05 | 1.041 | 1.041 | 4225.99 | 1700 | 05-31-2026 | 12 | 1700 | 05-31-2026 | 1 | 1350 | 05-31-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 56300 |  |  |  | 4400 |  |  |  |  |  |  | No | No | 0 | 2 | 1 | N/A | 11.43 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 444 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 2340 | 3435 | Appraisal - 1007 |  |  |  |  | 2340 | Actual In Place Rent | No | 54.17 | 1.84 | 1.846 | 1267.5 | 1145 | 01-31-2027 | 12 | 1195 | 11-30-2026 | 12 | 0 | 03-02-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15210.12 |  |  |  | 2340 |  |  |  |  |  |  | No | No | 4.2 | 1 | 1 | N/A | 107.45 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 447 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3466.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 43.91 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 453 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2452.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 66889 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 55.25 | No |  |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 461 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 2250 | 2250 | Appraisal - 1007 |  |  |  |  | 2250 | Appraisal - 1007 | No | 89.84 | 1.11 | 1.113 | 2021.34 | 2250 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32700 |  |  |  | 2250 |  |  |  |  |  |  | No | No | 4.3 | 1 | 1 | N/A | 81.19 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 464 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 1500 | 1800 | Appraisal - 1007 |  |  |  |  | 1500 | Actual In Place Rent | No | 86.44 | 1.15 | 1.157 | 1296.57 | 1500 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26400 |  |  |  | 1500 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 115.05 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 466 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 1900 | 1900 | Appraisal - 1007 |  |  |  |  | 1900 | Actual In Place Rent | No | 63.6 | 1.572 | 1.572 | 1208.49 | 1900 | 03-01-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25800 |  |  |  | 1900 |  |  |  |  |  |  | No | No | 1.3 | 1 | 1 | N/A | 29.23 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 473 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 2000 | 1590 | Appraisal - 1007 |  |  |  |  | 1590 | Appraisal - 1007 | No | 99.73 | 1 | 1.003 | 1585.78 | 2000 | 01-17-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  | 1590 |  |  |  |  |  |  | No | No | 0.6 | 1 | 1 | N/A | 81.14 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 476 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1025 |  |  |  |  | 2200 | Appraisal - 1025 | No | 54.93 | 1.82 | 1.82 | 1208.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14502.36 |  |  |  | 2200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 124.74 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 477 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 1995 | 2000 | Appraisal - 1007 |  |  |  |  | 1995 | Actual In Place Rent | No | 94.95 | 1.053 | 1.053 | 1894.31 | 1995 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25210 |  |  |  | 1995 |  |  |  |  |  |  | No | No | 14.8 | 1 | 1 | N/A | 183.68 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| 479 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 3633.33 | XXXX | 12 | 33.00% | 3633.33 | XXXX | Yes | 65.71 | 1.52 | 1.522 | 2387.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43342 |  |  |  | 3633.33 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 1508.31 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| 486 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 2000 | 2080 | Appraisal - 1007 |  |  |  |  | 2000 | Actual In Place Rent | No | 99.55 | 1.004 | 1.004 | 1991.05 | 2000 | 07-07-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29700 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 8.3 | 1 | 1 | N/A | 23.56 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 488 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2046.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 29.95 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 489 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 2 Yr Bank Stmt. | 24 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1168.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  |  |  |  |  |  |  |  |  |  | No | 1 | 1 | 1 | N/A | 9.49 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 491 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.22.2026 | Debt Service Coverage Ratio | Present | Yes | 2731 | 2350 | Appraisal - 1007 |  |  |  |  | 2350 | Appraisal - 1007 | No | 68.89 | 1.43 | 1.452 | 1618.91 | 2731 | 12-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19427.04 |  |  |  | 2350 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 201.35 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 492 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 3500 | 4000 | Appraisal - 1025 |  |  |  |  | 3500 | Actual In Place Rent | No | 78.84 | 1.26 | 1.268 | 2759.35 | 1750 | 03-31-2026 | 12 | 1750 | 03-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33112.32 |  |  |  | 3500 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 42.24 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 495 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 5300 | 5600 | Appraisal - 1025 |  |  |  |  | 5300 | Actual In Place Rent | No | 65.22 | 1.53 | 1.533 | 3456.86 | 1300 | 06-01-2026 | 12 | 1300 | 06-01-2026 | 12 | 1300 | 06-01-2026 | 12 | 1400 | 06-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  | 5300 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 24.07 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 500 | XXXX |  |  | XXXX | NRZ Smart Edge 30 Year Fixed | Retirement Income Doc Verified | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4139.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 27.81 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 501 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 1395 | Appraisal - 1007 |  |  |  |  | 1395 | Appraisal - 1007 | No | 74.75 | 1.338 | 1.338 | 1042.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16740 |  |  |  | 1395 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.45 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 502 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 2420 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Appraisal - 1007 | No | 94.23 | 1.06 | 1.061 | 1884.6 | 2420 | 11-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31400 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 2.1 | 1 | 1 | N/A | 133.59 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 503 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 3091.67 | XXXX | 12 | 64.00% | 3091.67 | XXXX | Yes | 60.66 | 1.62 | 1.648 | 1875.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50400 |  |  |  | 3091.67 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 63.1 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 504 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 4000 | Appraisal - 1007 |  |  |  |  | 4000 | Appraisal - 1007 | No | 99.61 | 1.01 | 1.004 | 3984.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 4000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 71.09 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 510 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 5900 | Appraisal - 1025 |  |  |  |  | 5900 | Appraisal - 1025 | No | 95.04 | 1.052 | 1.052 | 5607.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 181200 |  |  |  | 5900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.86 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 513 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 1650 | 1750 | Appraisal - 1007 |  |  |  |  | 1650 | Actual In Place Rent | No | 64.02 | 1.56 | 1.562 | 1056.41 | 1650 | 12-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12676.92 |  |  |  | 1650 |  |  |  |  |  |  | No | No | 2.1 | 1 | 1 | N/A | 85.23 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 516 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 9100 | Appraisal - 1025 |  |  |  |  | 9100 | Appraisal - 1025 | No | 86.85 | 1.15 | 1.151 | 7902.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 200800 |  |  |  | 9100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 23.13 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 517 | XXXX |  |  | XXXX | NRZ Smart Self IO 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2543.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 92600 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 32.53 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 519 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1025 |  |  |  |  | 2400 | Appraisal - 1025 | No | 92.65 | 1.01 | 1.079 | 2223.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 74152 |  |  |  | 2400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.33 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 521 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 5450 | XXXX | 12 | 62.60% | 5450 | XXXX | Yes | 99.75 | 1 | 1.002 | 5436.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 65266.2 |  |  |  | 5450 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.33 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 523 | XXXX |  |  | XXXX | NRZ Smart Edge 30 Year Fixed | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3953.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 14.32 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 533 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 1750 | 2300 | Appraisal - 1007 |  |  |  |  | 1750 | Actual In Place Rent | No | 139.21 | 0.71 | 0.718 | 2436.26 | 1750 | 12-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29235.12 |  |  |  | 1750 |  |  |  |  |  |  | No | No | 10.9 | 1 | 1 | N/A | 105.72 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 534 | XXXX |  |  | XXXX | NRZ Smart Edge 30 Year Fixed | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1499.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 3.77 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 535 | XXXX |  |  | XXXX | NRZ Smart Self IO 30 Year Fixed 2 Yr Bank Stmt. | 24 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 5095.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 86000 |  | 0 |  |  |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 9.19 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 542 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 5000 | 5180 | Appraisal - 1025 |  |  |  |  | 5000 | Actual In Place Rent | No | 90.33 | 1.1 | 1.107 | 4516.27 | 1750 | 02-25-2026 | 12 | 1500 | 02-25-2026 | 12 | 1750 | 02-25-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 54195.36 |  |  |  | 5000 |  |  |  |  |  |  | No | No | 7.2 | 1 | 1 | N/A | 63.34 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 543 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 10581.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 55000 |  |  |  |  |  |  |  |  |  |  |  | No | 4.2 | 1 | 1 | N/A | 71.42 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 544 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 1950 | 1800 | Appraisal - 1025 |  |  |  |  | 1800 | Appraisal - 1025 | No | 66.47 | 1.42 | 1.504 | 1196.46 | 975 | 02-10-2026 | 1 | 975 | 02-10-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  | 1800 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 16.96 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 546 | XXXX |  |  | XXXX | NRZ Smart Edge 30 Year Fixed | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6328.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 155.04 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 550 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 2733.33 | XXXX | 12 | 53.00% | 2733.33 | XXXX | Yes | 99.91 | 1 | 1.001 | 2730.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40500 |  |  |  | 2733.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.9 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 551 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 8681.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 12.86 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 553 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 2050 | Appraisal - 1007 |  |  |  |  | 2050 | Appraisal - 1007 | No | 96.57 | 1.036 | 1.036 | 1979.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23359.56 |  |  |  | 2050 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.09 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 554 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  |  |  |  | 2500 | Appraisal - 1007 | No | 99.88 | 1 | 1.001 | 2497.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 2500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.23 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Vacant |
| 560 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.02.2026 | Debt Service Coverage Ratio | Present | No | 0 | 2600 | Appraisal - 1025 |  |  |  |  | 2600 | Appraisal - 1025 | No | 71.6 | 1.39 | 1.397 | 1861.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 48400 |  |  |  | 2600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 25.41 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 564 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 2000 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Appraisal - 1007 | No | 87.18 | 1.14 | 1.147 | 1743.6 | 2000 | 01-31-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 29800 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 | N/A | 13.48 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 568 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 2250 | Appraisal - 1007 |  |  |  |  | 2250 | Appraisal - 1007 | No | 98.73 | 1.01 | 1.013 | 2221.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4000 |  |  |  | 2250 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 277.84 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 572 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 0 | Short Term Rental | 6475 | XXXX | 12 | 0.00% | 6475 | XXXX | Yes | 75.35 | 1.32 | 1.327 | 4878.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  | 6475 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 58.14 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 574 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | No | 0 | 3275 | Appraisal - 1007 |  |  |  |  | 3275 | Appraisal - 1007 | No | 64.35 | 1.17 | 1.554 | 2107.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25038.72 |  |  |  | 3275 |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | 0 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 577 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 2 Yr Bank Stmt. | 24 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2873.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 75275 |  |  |  |  |  |  |  |  |  |  |  | No | 2.3 | 1 | 1 | N/A | 30.87 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 579 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.22.2026 | Debt Service Coverage Ratio | Present | No | 0 | 3800 | Appraisal - 1007 |  |  |  |  | 3800 | Appraisal - 1007 | No | 96.82 | 1.033 | 1.033 | 3679.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 32990 |  |  |  | 3800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.45 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 583 | XXXX |  |  | XXXX | SmartVest Product Summary 2025.12.18 | Debt Service Coverage Ratio | Present | Yes | 2950 | 3000 | Appraisal - 1007 |  |  |  |  | 2950 | Actual In Place Rent | No |  | 1.32 | 1.363 | 2164.27 | 2950 | 03-23-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42940 |  |  |  | 2950 |  |  |  |  |  |  | No | No | 1.9 | 1 | 1 | N/A | 112.96 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 584 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | No | 0 | 4900 | Appraisal - 1025 |  |  |  |  | 4900 | Appraisal - 1025 | No | 71.13 | 1.4 | 1.406 | 3485.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41826 |  |  |  | 4900 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.17 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 593 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 1550 | Appraisal - 1007 |  |  |  |  | 1550 | Appraisal - 1007 | No | 74.77 | 1 | 1.337 | 1159.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13908.12 |  |  |  | 1550 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 347.66 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 595 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 2700 | Appraisal - 1007 |  |  |  |  | 2700 | Appraisal - 1007 | No | 94.41 | 0.79 | 1.059 | 2548.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30587.88 |  |  |  | 2700 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 29.92 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 596 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No |  |  | Short Term Rental | 6450 | XXXX | 12 | 55.00% |  | XXXX | Yes | 80.61 | 1.24 | 1.241 | 5199.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 35.48 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 598 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.02.2026 | Debt Service Coverage Ratio | Present | Yes | 6200 | 5350 | Appraisal - 1025 |  |  |  |  | 5350 | Appraisal - 1025 | No | 98.8 | 1.012 | 1.012 | 5285.56 | 1400 | 02-28-2027 | 12 | 1600 | 02-28-2027 | 12 | 1600 | 02-08-2027 | 12 | 1600 | 02-28-2027 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 64200 |  |  |  | 5350 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 52.49 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 601 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1063.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 1416.78 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 603 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 4400 | 3375 | Appraisal - 1007 |  |  |  |  | 3375 | Appraisal - 1007 | No | 68.46 | 1.12 | 1.12 | 3012.44 | 2200 | 02-01-2027 | 12 | 2200 | 02-01-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36149.28 |  |  |  | 3375 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 121.06 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 604 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes |  | 1500 | Appraisal - 1007 |  |  |  |  |  | Actual In Place Rent | No | 74.19 | 1.27 | 1.348 | 1001.54 | 1350 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15400 |  |  |  |  |  |  |  |  |  |  | No | No | 20.4 | 2 | 1 | N/A | 87.88 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 605 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | Yes | 2050 | 1715 | Appraisal - 1007 |  |  |  |  | 1715 | Appraisal - 1007 | No | 80.4 | 1.24 | 1.244 | 1378.84 | 2050 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24500 |  |  |  | 1715 |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 52.35 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 606 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 11.20.2025 | Debt Service Coverage Ratio | Present | Yes | 2200 | 2100 | Appraisal - 1007 |  |  |  |  | 2100 | Appraisal - 1007 | No | 89.49 | 1.17 | 1.117 | 1879.36 | 2200 | 09-01-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33100 |  |  |  | 2100 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 75.83 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 609 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 5400 | Appraisal - 1025 |  |  |  |  | 5400 | Appraisal - 1025 | No | 91.24 | 1.04 | 1.096 | 4927.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 52600 |  |  |  | 5400 |  |  |  |  |  |  |  | No | 0.1 | 1 | 1 | N/A | 26.48 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 617 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 2900 | 2975 | Appraisal - 1007 |  |  |  |  | 2900 | Actual In Place Rent | No | 127.09 | 0.787 | 0.787 | 3685.74 | 2900 | 07-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17400 |  |  |  | 2900 |  |  |  |  |  |  | No | No | 4.5 | 1 | 1 | N/A | 29.38 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 618 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | Yes | 1650 | 1965 | Appraisal - 1007 |  |  |  |  | 1650 | Actual In Place Rent | No | 72.37 | 1.38 | 1.382 | 1194.08 | 1650 | 01-20-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 8596.92 |  |  |  | 1650 |  |  |  |  |  |  | No | No | 0.3 | 1 | 1 | N/A | 12.23 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 619 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 10950 | 9000 | Appraisal - 1025 |  |  |  |  | 9000 | Appraisal - 1025 | No | 104.13 | 0.95 | 0.96 | 9371.9 | 2400 | 09-20-2026 | 12 | 2900 | 07-31-2026 | 12 | 2750 | 07-31-2026 | 12 | 2900 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 112462.8 |  |  |  | 9000 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 22.19 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 620 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 3600 | 3450 | Appraisal - 1007 |  |  |  |  | 3600 | Actual In Place Rent | No | 98.22 | 1.01 | 1.018 | 3535.96 | 3600 | 10-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35475 |  |  |  | 3600 |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 52.02 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | Full Recourse | XXXX | Tenant |
| 622 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 3400 | Appraisal - 1025 |  |  |  |  | 3400 | Appraisal - 1025 | No | 77.03 | 1.29 | 1.298 | 2619.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 47320 |  |  |  | 3400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.08 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 625 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 1850 | Appraisal - 1007 |  |  |  |  | 1850 | Appraisal - 1007 | No | 68.23 | 1.466 | 1.466 | 1262.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 19200 |  |  |  | 1850 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 33.32 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 630 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 2350 | Appraisal - 1007 |  |  |  |  | 2350 | Appraisal - 1007 | No | 99.58 | 1 | 1.004 | 2340.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28080.24 |  |  |  | 2350 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.89 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 632 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1022.2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 176.83 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 638 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  |  |  |  | 1600 | Appraisal - 1007 | No | 88.43 | 1.13 | 1.131 | 1414.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16978.2 |  |  |  | 1600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 27 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| 639 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 10.23.2025 | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 6714.89 | XXXX | 12 | 61.00% | 6714.89 | XXXX | Yes | 80.33 | 1.245 | 1.245 | 5394 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 55000 |  |  |  | 6714.89 |  |  |  |  |  |  |  | No | 8.1 | 1 | 1 | N/A | 31 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 641 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal - 1025 |  |  |  |  | 3600 | Appraisal - 1025 | No | 99.66 | 1 | 1.003 | 3587.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 43052.28 |  |  |  | 3600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.27 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 642 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 1320 | Appraisal - 1007 |  |  |  |  | 1320 | Appraisal - 1007 | No | 107.1 | 0.93 | 0.934 | 1413.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16964.88 |  |  |  | 1320 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 39.72 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Vacant |
| 643 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.02.2026 | Debt Service Coverage Ratio | Present | No | 0 | 1790 | Appraisal - 1007 |  |  |  |  | 1790 | Appraisal - 1007 | No | 99.12 | 1.009 | 1.009 | 1774.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25200 |  |  |  | 1790 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 34.91 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 646 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.02.2026 | Debt Service Coverage Ratio | Present | No | 0 | 1950 | Appraisal - 1007 |  |  |  |  | 1950 | Appraisal - 1007 | No | 93.04 | 1.06 | 1.075 | 1814.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 351000 |  |  |  | 1950 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 7 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 647 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 4735 | Appraisal - 1007 |  |  |  |  | 4735 | Appraisal - 1007 | No | 146.49 | 0.683 | 0.683 | 6936.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 98000 |  |  |  | 4735 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.45 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 649 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | No | 0 | 6700 | Appraisal - 1025 |  |  |  |  | 6700 | Appraisal - 1025 | No | 106.16 | 0.86 | 0.942 | 7112.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 92690.88 |  |  |  | 6700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 230.69 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 652 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.22.2026 | Debt Service Coverage Ratio | Present | Yes | 1700 | 1550 | Appraisal - 1007 |  |  |  |  | 1700 | Actual In Place Rent | No | 105.06 | 0.95 | 0.952 | 1786.03 | 1700 | 02-19-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25970 |  |  |  | 1700 |  |  |  |  |  |  | No | No | 3.4 | 1 | 1 | N/A | 6.45 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 653 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 2725 | 2600 | Appraisal - 1007 |  |  |  |  | 2725 | Actual In Place Rent | No | 86.47 | 1.15 | 1.157 | 2356.22 | 2725 | 04-14-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27000 |  |  |  | 2725 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 119.13 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 657 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.22.2026 | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 8500 | XXXX | 12 | 63.00% | 8500 | XXXX | Yes | 58.87 | 1.69 | 1.699 | 5003.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 57400 |  |  |  | 8500 |  |  |  |  |  |  |  | No | 2.1 | 1 | 1 | N/A | 17.01 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 658 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 6408.33 | XXXX | 12 | 39.00% | 6408.33 | XXXX | Yes | 99.12 | 1 | 1.009 | 6352.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 99900 |  |  |  | 6408.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 59.53 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 660 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | No | 0 | 1218.75 | Appraisal - 1007 |  |  |  |  | 1218.75 | Appraisal - 1007 | No | 79.65 | 1.25 | 1.256 | 970.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11648.28 |  |  |  | 1218.75 |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 10.11 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 661 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 4300 | 8000 | Appraisal - 1025 |  |  |  |  | 4300 | Actual In Place Rent | No | 102.87 | 0.96 | 0.972 | 4423.29 | 1575 | 01-13-2026 | 1 | 2725 | 01-13-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 51600 |  |  |  | 4300 |  |  |  |  |  |  | No | No | 20.2 | 1 | 1 | N/A | 63.37 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 662 | XXXX |  |  | XXXX | NRZ Smart Edge IO 30 Year Fixed | Retirement Income Doc Verified | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 13286.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 107.75 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 676 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 2240 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Appraisal - 1007 | No | 74.58 | 1.341 | 1.341 | 1491.68 | 2240 | 11-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24000 |  |  |  | 2000 |  |  |  |  |  |  | No | No | 0.4 | 1 | 1 | N/A | 34.27 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 682 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 5850 | Appraisal - 1025 |  |  |  |  | 5850 | Appraisal - 1025 | No | 96.04 | 1.04 | 1.041 | 5618.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 63000 |  |  |  | 5850 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 23.58 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 685 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 11.20.2025 | Debt Service Coverage Ratio | Present | Yes | 1900 | 1925 | Appraisal - 1007 |  |  |  |  | 1900 | Actual In Place Rent | No | 87.39 | 1.144 | 1.144 | 1660.44 | 1900 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31430 |  |  |  | 1900 |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 14.61 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 688 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 2111 | 2141 | Appraisal - 1025 |  |  |  |  | 2111 | Actual In Place Rent | No | 70.21 | 1.42 | 1.424 | 1482.1 | 1275 | 11-23-2026 | 12 | 836 | 03-09-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 2111 |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 | N/A | 127.28 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 690 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3637.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 29.49 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 693 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 1800 | 1600 | Appraisal - 1007 |  |  |  |  | 1600 | Appraisal - 1007 | No | 61.14 | 1.67 | 1.636 | 978.28 | 1800 | 02-14-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25982 |  |  |  | 1600 |  |  |  |  |  |  | No | No | 3 | 1 | 1 | N/A | 31.84 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 703 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6415.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.7 | 3 | 1 | N/A | 116.96 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 707 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 2090 | Appraisal - 1025 |  |  |  |  | 2090 | Appraisal - 1025 | No | 77.31 | 1.293 | 1.293 | 1615.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30934 |  |  |  | 2090 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 41.23 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 714 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2292.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 45.88 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 720 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.22.2026 | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 5058.33 | XXXX | 12 | 63.00% | 5058.33 | XXXX | Yes | 86.82 | 1.15 | 1.152 | 4391.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 48900 |  |  |  | 5058.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 19.5 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 723 | XXXX |  |  | XXXX | NRZ Smart Edge IO 30 Year Fixed | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1547.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 66.94 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 724 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.22.2026 | Debt Service Coverage Ratio | Present | No | 0 | 4000 | Appraisal - 1025 |  |  |  |  | 4000 | Appraisal - 1025 | No | 54.05 | 1.85 | 1.85 | 2161.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25943.04 |  |  |  | 4000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 36.08 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 727 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 2940 | 3200 | Appraisal - 1007 |  |  |  |  | 2940 | Actual In Place Rent | No | 128.14 | 0.78 | 0.78 | 3767.17 | 2940 | 05-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17640 |  |  |  | 2940 |  |  |  |  |  |  | No | No | 4.9 | 1 | 1 | N/A | 28.75 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 728 | XXXX |  |  | XXXX | SmartVest Product Summary 2025.12.18 | Debt Service Coverage Ratio | Present | Yes | 6150 | 8000 | Appraisal - 1007 |  |  |  |  | 6150 | Actual In Place Rent | No | 117.02 | 0.85 | 0.855 | 7196.63 | 6150 | 02-01-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 246904 |  | 0 |  | 6150 |  |  |  |  |  |  | No | No | 2.7 | 1 | 1 | N/A | 17.91 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 729 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  |  |  |  | 1600 | Appraisal - 1007 | No | 80.81 | 1.23 | 1.237 | 1293.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15516.12 |  |  |  | 1600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 36.65 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 730 | XXXX |  |  | XXXX | SmartVest Product Summary 2025.12.18 (v25.15) | Debt Service Coverage Ratio | Present | Yes | 1600 | 1800 | Appraisal - 1007 |  |  |  |  | 1600 | Actual In Place Rent | No | 87.85 | 1.13 | 1.138 | 1405.62 | 1600 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16867.44 |  |  |  | 1600 |  |  |  |  |  |  | No | No | 1.5 | 1 | 1 | N/A | 81.02 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 733 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 5016.67 | XXXX | 12 | 40.00% | 5016.67 | XXXX | Yes | 40.36 | 1.53 | 2.478 | 2024.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31296 |  |  |  | 5016.67 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.43 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Vacant |
| 745 | XXXX |  |  | XXXX | DSCR | Debt Service Coverage Ratio | Present | Yes | 4000 | 4000 | Appraisal - 1007 |  |  |  |  | 4000 | Appraisal - 1007 | No | 92.92 | 1.07 | 1.076 | 3716.98 | 4000 | 08-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 69160 |  |  |  | 4000 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 61.08 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 753 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 4300 | Appraisal - 1007 |  |  |  |  | 4300 | Appraisal - 1007 | No | 167.62 | 0.59 | 0.597 | 7207.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 86490.48 |  |  |  | 4300 |  |  |  |  |  |  |  | No | 0 | 3 | 1 | N/A | 40.53 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 757 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | Yes | 3000 | 2550 | Appraisal - 1007 |  |  |  |  | 2550 | Appraisal - 1007 | No | 79.64 | 1.25 | 1.256 | 2030.89 | 3000 | 04-01-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24370.68 |  |  |  | 2550 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 14.26 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| 760 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 2700 | Appraisal - 1025 |  |  |  |  | 2700 | Appraisal - 1025 | No | 70.9 | 1.33 | 1.41 | 1914.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41000 |  |  |  | 2700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 64.18 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 761 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 1600 | 1475 | Appraisal - 1007 |  |  |  |  | 1475 | Appraisal - 1007 | No | 81.84 | 1.33 | 1.222 | 1207.17 | 1600 | 02-22-2028 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13254.48 |  |  |  | 1475 |  |  |  |  |  |  | No | No | 6.8 | 1 | 1 | N/A | 137.39 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 763 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | Yes | 5950 | 6800 | Appraisal - 1007 |  |  |  |  | 5950 | Actual In Place Rent | No | 64.14 | 1.559 | 1.559 | 3816.51 | 1700 | 01-06-2026 | 1 | 1350 | 01-06-2026 | 1 | 1550 | 01-06-2026 | 1 | 1350 | 01-06-2026 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 35700 |  |  |  | 5950 |  |  |  |  |  |  | No | No |  | 1 | 1 | N/A | 16.36 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 767 | XXXX |  |  | XXXX | NRZ Smart Self 30 Year Fixed 1 Yr Bank Stmt | 12 Month Bank Statement | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1917.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 2 | 1 | N/A | 49.76 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 769 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 02.26.2026 | Debt Service Coverage Ratio | Present | Yes | 1750 | 1500 | Appraisal - 1007 |  |  |  |  | 1500 | Appraisal - 1007 | No | 99.15 | 1 | 1.009 | 1487.32 | 1750 | 05-31-2026 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17847.84 |  |  |  | 1500 |  |  |  |  |  |  | No | No | 0.9 | 1 | 1 | N/A | 26.75 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 773 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1025 |  |  |  |  | 2100 | Appraisal - 1025 | No | 72.72 | 1.37 | 1.375 | 1527.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18326.16 |  |  |  | 2100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 23.85 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 779 | XXXX |  |  | XXXX | Smart Self 30 Year | 2YR Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1655.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 37.57 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 780 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 1400 | 2180 | Appraisal - 1007 |  |  |  |  | 1400 | Actual In Place Rent | No | 123.14 | 0.81 | 0.812 | 1723.99 | 1400 | 03-09-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20687.88 |  |  |  | 1400 |  |  |  |  |  |  | No | No | 6.8 | 2 | 1 | N/A | 36.87 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 782 | XXXX |  |  | XXXX | NRZ Smart Edge 30 Year Fixed | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2031.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.43 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 789 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 12.18.2025 | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal - 1025 |  |  |  |  | 3600 | Appraisal - 1025 | No | 79.49 | 1.25 | 1.258 | 2861.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 34340.16 |  |  |  | 3600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.47 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 791 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 1350 | Appraisal - 1007 |  |  |  |  | 1350 | Appraisal - 1007 | No | 99.76 | 1.002 | 1.002 | 1346.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16200 |  |  |  | 1350 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.94 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 792 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 11.20.2025 | Debt Service Coverage Ratio | Present | Yes | 2150 | 2400 | Appraisal - 1025 |  |  |  |  | 2150 | Actual In Place Rent | No | 65.43 | 2.25 | 1.528 | 1406.65 | 1300 | 04-01-2026 | 12 | 850 | 03-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24950 |  |  |  | 2150 |  |  |  |  |  |  | No | No | 23.5 | 1 | 1 | N/A | 41.05 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 794 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 1450 | Appraisal - 1007 |  |  |  |  | 1450 | Appraisal - 1007 | No | 84.65 | 1.18 | 1.181 | 1227.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2000 |  |  |  | 1450 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.16 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 798 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  |  |  |  | 3000 | Appraisal - 1007 | No | 165.61 | 0.604 | 0.604 | 4968.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17500 |  |  |  | 3000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 30.64 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 800 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.29.2026 | Debt Service Coverage Ratio | Present | Yes | 3850 | 3350 | Appraisal - 1007 |  |  |  |  | 3350 | Appraisal - 1007 | No | 105.51 | 0.87 | 0.948 | 3534.44 | 3850 | 05-08-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 51400 |  |  |  | 3350 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 110.32 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 801 | XXXX |  |  | XXXX | NRZ Smart Edge 30 Year Fixed | Full Doc | Present |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3427.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11934.84 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.37 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 802 | XXXX |  |  | XXXX | SmartVest Product Retail Wholesale 01.22.2026 | Debt Service Coverage Ratio | Present | No | 0 | 1650 | Appraisal - 1007 |  |  |  |  | 1650 | Appraisal - 1007 | No | 66.04 | 1.51 | 1.514 | 1089.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 13075.68 |  |  |  | 1650 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 76.34 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| 1 | XXXX | XXXX |  |  | Closed | 2026-03-18 11:12 | 2026-03-18 11:12 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |  | Acknowledged-S&P RA Only - Value grade 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-03/18/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 8186881 | Investor Post-Close | No |
| 1 | XXXX | XXXX |  |  | Closed | 2026-03-17 16:03 | 2026-03-17 16:03 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-03/17/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-03/17/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 8164828 | Investor Post-Close | No |
| 1 | XXXX | XXXX |  |  | Closed | 2026-03-17 14:38 | 2026-03-17 14:38 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete - Due Diligence Vendor-03/17/2026 |  | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete - Due Diligence Vendor-03/17/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 8162460 | Investor Post-Close | No |
| 7 | XXXX | XXXX |  |  | Closed | 2026-03-17 09:21 | 2026-03-23 05:07 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/23/2026 <br> Resolved-Audited Reserves of 14.83 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/23/2026 <br> Ready for Review-See Bank Statements Uploaded on other condition. These bank statements sufficient reserves and less than 90 days old at time of closing. - Buyer-03/19/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s). Asset statements dated within 90 days of closing are missing. - Due Diligence Vendor-03/17/2026 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/23/2026 <br>Resolved-Audited Reserves of 14.83 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/23/2026<br>|  |  |  | OH | Investment | Refinance | No Cash Out - Borrower Initiated | 8150266 | N/A | N/A |
| 7 | XXXX | XXXX |  |  | Closed | 2026-03-17 07:53 | 2026-03-23 05:06 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $17423.41 is equal to or greater than Total Required Reserve Amount of $7049.64 - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Documentation received, finding resolved - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Two months XXXX statements ending 11-13-25 and 12-9-25 showing ending balance of $17,423. These bank statements sufficient reserves and less than 90 days old at time of closing. <br> - Buyer-03/19/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $7049.64 - Due Diligence Vendor-03/17/2026 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $17423.41 is equal to or greater than Total Required Reserve Amount of $7049.64 - Due Diligence Vendor-03/23/2026<br>| XXXX |  |  | OH | Investment | Refinance | No Cash Out - Borrower Initiated | 8147945 | N/A | N/A |
| 13 | XXXX | XXXX |  |  | Closed | 2026-03-17 14:50 | 2026-03-17 14:50 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/17/2026 |  | Acknowledged-S&P RA Only - Value grade 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-03/17/2026<br>|  |  |  | TX | Primary Residence | Purchase | NA | 8162808 | Investor Post-Close | No |
| 19 | XXXX | XXXX |  |  | Closed | 2026-01-02 12:08 | 2026-03-27 17:24 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Cured- - Due Diligence Vendor-03/27/2026 <br> Cured- - Due Diligence Vendor-03/18/2026 <br> Cured-. - Due Diligence Vendor-03/18/2026 <br> Cured-. - Due Diligence Vendor-03/18/2026 <br> Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/18/2026 <br> Resolved- - Due Diligence Vendor-03/18/2026 <br> Ready for Review-. - Due Diligence Vendor-03/18/2026 <br> Resolved- - Due Diligence Vendor-03/18/2026 <br> Open- - Due Diligence Vendor-03/18/2026 <br> Resolved- - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Uploaded PCCD, Check and Mailing confirmation for the $10 cure for the Appraisal overage. Thank you - Buyer-03/16/2026 <br> Counter-Used Bona Fide Discount Points from the Mavent in loan file and Re-Ran Mavent and Discount points fee have not been removed. A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($340.00) were applied to the total fee variance of ($2,148.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Finding remains. - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. We disagree with their finding. In comparing the fees we included, 1%, $5160 of the discount pints charged are bona fide and excluded from the High Cost test.<br>Our test below is only including 18,493.44, which makes the fail $168.44. There is also $340 cure on FCD/PCD<br>Based on your findings showing $5,453.44 fail, if you remove the $5160 bona fide discount points, the excess is 293.44, which is covered by the $340 cure already applied at closing. <br> - Buyer-02/19/2026 <br> Counter-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($340.00) were applied to the total fee variance of ($2,148.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Finding remains. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Can you please provide a list of fees they are including in the State Test and 0% test that are causing a fail? Our Compliance report is showing these tests as passing. - Investor-02/04/2026 <br> Open- - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-01/02/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($340.00) were applied to the total fee variance of ($2,148.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-01/02/2026 |  | Cured-. - Due Diligence Vendor-03/18/2026 <br> Cured-. - Due Diligence Vendor-03/18/2026 <br> Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/18/2026 <br> Resolved- - Due Diligence Vendor-03/18/2026 | XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6898884 | N/A | N/A |
| 19 | XXXX | XXXX |  |  | Closed | 2026-01-02 12:08 | 2026-03-27 17:24 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Cured- - Due Diligence Vendor-03/27/2026 <br> Cured- - Due Diligence Vendor-03/18/2026 <br> Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/18/2026 <br> Resolved- - Due Diligence Vendor-03/18/2026 <br> Ready for Review-. - Due Diligence Vendor-03/18/2026 <br> Resolved- - Due Diligence Vendor-03/18/2026 <br> Open- - Due Diligence Vendor-03/18/2026 <br> Resolved- - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Uploaded PCCD, Check and Mailing confirmation for the $10 cure for the Appraisal overage. See other condition. Thank you - Investor-03/16/2026 <br> Counter-Used Bona Fide Discount Points from the Mavent in loan file and Re-Ran Mavent and Discount points fee have not been removed. A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($340.00) were applied to the total fee variance of ($2,148.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Finding remains. - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. We disagree with their finding. In comparing the fees we included, 1%, $5160 of the discount pints charged are bona fide and excluded from the High Cost test.<br>Our test below is only including 18,493.44, which makes the fail $168.44. There is also $340 cure on FCD/PCD<br>Based on your findings showing $5,453.44 fail, if you remove the $5160 bona fide discount points, the excess is 293.44, which is covered by the $340 cure already applied at closing. <br> - Investor-02/19/2026 <br> Counter-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($340.00) were applied to the total fee variance of ($2,148.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Finding remains. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. - Can you please provide a list of fees they are including in the State Test and 0% test that are causing a fail? Our Compliance report is showing these tests as passing. - Seller-02/04/2026 <br> Open- - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-01/02/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($340.00) were applied to the total fee variance of ($2,148.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Can you please provide a list of fees they are including in the State Test and 0% test that are causing a fail? Our Compliance report is showing these tests as passing. - Seller-02/04/2026 | Cured-Lender provided Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/18/2026 <br>Resolved- - Due Diligence Vendor-03/18/2026<br>| XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6898890 | N/A | N/A |
| 19 | XXXX | XXXX |  |  | Closed | 2026-01-02 11:19 | 2026-02-13 10:21 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-Client unable to provide document to support borrower received appraisal dated XX/XX/XXXX. Borrower received the Notice of Right to Receive the appraisal on XX/XX/XXXX. Client has acknowledged this cannot be resolved. Finding Acknowledged. Final Grade 2/B - Due Diligence Vendor-02/13/2026 <br> Counter-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Finding remains. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Can you please provide a list of fees they are including in the State Test and 0% test that are causing a fail? Our Compliance report is showing these tests as passing. - Buyer-02/04/2026 <br> Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/02/2026 |  | Acknowledged-Client unable to provide document to support borrower received appraisal dated XX/XX/XXX. Borrower received the Notice of Right to Receive the appraisal on XX/XX/XXXX. Client has acknowledged this cannot be resolved. Finding Acknowledged. Final Grade 2/B - Due Diligence Vendor-02/13/2026 | XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6897200 | Investor Post-Close | No |
| 44 | XXXX | XXXX |  |  | Closed | 2026-03-17 12:33 | 2026-03-20 14:23 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock provided - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. kindly overturn this finding. The Initial LE dated XX/XX/XXXX shows locked and page 12 of the Mavent Findings shows the lock date of 12/15/2025. Thank you - Buyer-03/18/2026 <br> Open- - Due Diligence Vendor-03/17/2026 |  | Resolved-Evidence of rate lock provided - Due Diligence Vendor-03/20/2026<br>| XXXX |  |  | TX | Investment | Purchase | NA | 8157766 | N/A | N/A |
| 45 | XXXX | XXXX |  |  | Closed | 2026-03-17 05:39 | 2026-03-23 05:12 | Resolved | 1 - Information | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/23/2026 <br> Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please find attached the Third-Party Fraud Report to include borrower 2 for review. - Buyer-03/19/2026 <br> Open-Third Party Fraud Report Partially Provided Fraud report for borrower 2 is missing. - Due Diligence Vendor-03/17/2026 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/23/2026 <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/23/2026<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 8145752 | N/A | N/A |
| 58 | XXXX | XXXX |  |  | Closed | 2026-03-17 08:32 | 2026-03-30 13:49 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-RCE's covering primary dwelling and ADU received. Resolved. - Due Diligence Vendor-03/30/2026 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. Replacement Cost Estimator for Dwelling uploaded. Thank you - Buyer-03/26/2026 <br> Counter-The RCE provided only covers the subjects ADU unit, not the primary dwelling. Not resolved. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/23/2026 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Total Amount of Subject Lien(s) of $XXXX As per the Document in the File from Pg- 610-611 & 616-617 - Due Diligence Vendor-03/17/2026 |  | Resolved-RCE's covering primary dwelling and ADU received. Resolved. - Due Diligence Vendor-03/30/2026 <br> Resolved-Hazard Insurance Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-03/30/2026 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 8149028 | N/A | N/A |
| 58 | XXXX | XXXX |  |  | Closed | 2026-03-17 20:59 | 2026-03-17 20:59 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |  | Acknowledged-S&P RA Only - Value grade 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-03/18/2026<br>|  |  |  | TX | Primary Residence | Purchase | NA | 8173560 | Investor Post-Close | No |
| 58 | XXXX | XXXX |  |  | Closed | 2026-03-17 09:09 | 2026-03-17 09:10 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-03/17/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-03/17/2026<br>|  |  |  | TX | Primary Residence | Purchase | NA | 8149998 | N/A | N/A |
| 68 | XXXX | XXXX |  |  | Closed | 2026-03-20 12:51 | 2026-03-20 12:51 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026<br>|  |  |  | SC | Primary Residence | Purchase | NA | 8244567 | Investor Post-Close | No |
| 71 | XXXX | XXXX |  |  | Closed | 2026-03-17 09:00 | 2026-03-20 14:13 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock received - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please overturn Finding. The Lock Date was XX/XX/XXX per the XX/XX/XXXX COC cover letter on pg 178 of the upload and the Float to Lock Loan Estimate on 12/11 pg 628 of the upload. - Buyer-03/18/2026 <br> Open-Missing evidence of rate lock - Due Diligence Vendor-03/17/2026 |  | Resolved-Evidence of rate lock received - Due Diligence Vendor-03/20/2026<br>| XXXX |  |  | MD | Investment | Refinance | Cash Out - Other | 8149687 | N/A | N/A |
| 75 | XXXX | XXXX |  |  | Closed | 2026-03-23 12:46 | 2026-03-23 12:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-03/23/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-03/23/2026<br>|  |  |  | AR | Investment | Purchase | NA | 8269330 | Investor Post-Close | No |
| 78 | XXXX | XXXX |  |  | Closed | 2026-03-17 06:54 | 2026-03-20 14:22 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock provided - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Kindly overturn finding. The lock date is included in the original upload. The FTL LE is pg 798 and Mavent showing the 1/7/2026 lock date on pg 836 under the Lender Fannie Fee Limit Review section. Thank you - Buyer-03/18/2026 <br> Open- - Due Diligence Vendor-03/17/2026 |  | Resolved-Evidence of rate lock provided - Due Diligence Vendor-03/20/2026<br>| XXXX |  |  | PA | Investment | Purchase | NA | 8146616 | N/A | N/A |
| 78 | XXXX | XXXX |  |  | Closed | 2026-03-17 11:28 | 2026-03-20 14:21 | Resolved | 1 - Information | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Page 934 - 935 show IRS EIN which identifies borrower as sole member of XXXX. Kindly overturn finding. - Buyer-03/19/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements According to the loan approval business funds from business acct XXXX was utilized. Missing verification of borrower's percentage of ownership according to the lender guideline to determine the eligible amount of assets permitted. - Due Diligence Vendor-03/17/2026 |  | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/20/2026<br>|  |  |  | PA | Investment | Purchase | NA | 8156412 | N/A | N/A |
| 79 | XXXX | XXXX |  |  | Closed | 2026-03-17 11:03 | 2026-03-20 11:19 | Resolved | 1 - Information | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Resolved-FACTA Notice and Risk Base Pricing/Credit Score Disclosure received. Condition resolved. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please find attached the FACTA Notice and Risk Base Pricing/Credit Score Disclosure for review. Thank you. - Buyer-03/19/2026 <br> Open-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. - Due Diligence Vendor-03/17/2026 |  | Resolved-FACTA Notice and Risk Base Pricing/Credit Score Disclosure received. Condition resolved. - Due Diligence Vendor-03/20/2026<br>| XXXX |  |  | MA | Primary Residence | Refinance | Cash Out - Other | 8155851 | N/A | N/A |
| 79 | XXXX | XXXX |  |  | Closed | 2026-03-17 04:50 | 2026-03-17 04:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete - Due Diligence Vendor-03/17/2026 |  | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete - Due Diligence Vendor-03/17/2026<br>|  |  |  | MA | Primary Residence | Refinance | Cash Out - Other | 8145142 | Investor Post-Close | No |
| 101 | XXXX | XXXX |  |  | Closed | 2026-03-17 09:33 | 2026-03-17 09:33 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 01/03/2026 is after the Primary Appraisal Delivery Date of 12/27/2025. - Due Diligence Vendor-03/17/2026 |  | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 01/03/2026 is after the Primary Appraisal Delivery Date of 12/27/2025. - Due Diligence Vendor-03/17/2026<br>|  |  |  | FL | Second Home | Purchase | NA | 8150580 | Investor Post-Close | No |
| 107 | XXXX | XXXX |  |  | Closed | 2026-04-20 13:08 | 2026-04-20 13:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/20/2026 |  | Acknowledged-S&P RA Only - Value grade 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-04/20/2026<br>|  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 8775689 | Investor Post-Close | No |
| 107 | XXXX | XXXX |  |  | Closed | 2026-03-26 16:53 | 2026-03-30 15:43 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-CPA VVOE located in file. Resolved. - Due Diligence Vendor-03/30/2026 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/30/2026 <br>Ready for Review-The VOE is included in the original upload on page 989 of 1571. Kindly overturn finding. - Buyer-03/27/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/26/2026 |  | Resolved-CPA VVOE located in file. Resolved. - Due Diligence Vendor-03/30/2026 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/30/2026<br>|  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 8349095 | N/A | N/A |
| 110 | XXXX | XXXX |  |  | Closed | 2026-03-23 10:11 | 2026-04-22 11:07 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-03/23/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-03/23/2026<br>|  |  |  | GA | Second Home | Refinance | No Cash Out - Borrower Initiated | 8264982 | Investor Post-Close | No |
| 110 | XXXX | XXXX |  |  | Closed | 2026-03-25 21:45 | 2026-03-30 13:43 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE received. Resolved. - Due Diligence Vendor-03/30/2026 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. Business Search Attached. Thank you - Buyer-03/26/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/26/2026 |  | Resolved-VOE received. Resolved. - Due Diligence Vendor-03/30/2026 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/30/2026<br>| XXXX |  |  | GA | Second Home | Refinance | No Cash Out - Borrower Initiated | 8326074 | N/A | N/A |
| 117 | XXXX | XXXX |  |  | Closed | 2026-03-17 21:37 | 2026-03-20 11:10 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-GL does not state Business Purpose Affidavit required. Condition rescinded. - Due Diligence Vendor-03/20/2026 <br>Ready for Review-SmartEdge Product Profile doesn't require the Business Purpose Affidavit, just SmartVest product. Kindly overturn finding. - Buyer-03/19/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-03/18/2026 |  | Resolved-GL does not state Business Purpose Affidavit required. Condition rescinded. - Due Diligence Vendor-03/20/2026<br>|  |  |  | FL | Investment | Purchase | NA | 8173902 | N/A | N/A |
| 117 | XXXX | XXXX |  |  | Closed | 2026-03-17 14:22 | 2026-03-17 14:27 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/17/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/17/2026<br>|  |  |  | FL | Investment | Purchase | NA | 8162041 | N/A | N/A |
| 144 | XXXX | XXXX |  |  | Closed | 2026-03-24 10:49 | 2026-03-24 10:49 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/24/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/24/2026<br>|  |  |  | CA | Investment | Purchase | NA | 8291601 | Investor Post-Close | No |
| 146 | XXXX | XXXX |  |  | Closed | 2026-03-21 06:24 | 2026-03-21 06:24 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/21/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/21/2026<br>|  |  |  | FL | Second Home | Purchase | NA | 8252136 | Investor Post-Close | No |
| 211 | XXXX | XXXX |  |  | Closed | 2026-03-31 09:07 | 2026-04-06 21:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/07/2026 <br>Ready for Review-Document Uploaded. Please see attached business purpose certificate signed by each borrower. - Buyer-04/06/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-03/31/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-04/07/2026<br>| XXXX |  |  | OH | Investment | Purchase | NA | 8404160 | N/A | N/A |
| 213 | XXXX | XXXX |  |  | Closed | 2026-04-20 11:06 | 2026-04-20 11:06 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/20/2026 |  | Acknowledged-S&P RA Only - Value grade 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-04/20/2026<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | 8772450 | Investor Post-Close | No |
| 218 | XXXX | XXXX |  |  | Closed | 2026-03-18 17:00 | 2026-04-22 11:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026<br>|  |  |  | FL | Investment | Purchase | NA | 8198646 | Investor Post-Close | No |
| 233 | XXXX | XXXX |  |  | Closed | 2026-03-20 06:07 | 2026-03-20 06:07 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026<br>|  |  |  | FL | Second Home | Purchase | NA | 8232689 | Investor Post-Close | No |
| 238 | XXXX | XXXX |  |  | Closed | 2026-03-18 09:33 | 2026-03-30 17:53 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/30/2026 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. Please see attached audit trail with econsent dated 01-31-26. - Buyer-03/30/2026 <br>Open-E-Consent documentation is missing for borrower(s). E-Sign Disclosure Tracking Form date is 02/23/2026 & E-Sign Earliest Disclosure sign date is 01/31/2026. - Due Diligence Vendor-03/18/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/30/2026<br>| XXXX |  |  | NJ | Investment | Purchase | NA | 8183344 | N/A | N/A |
| 242 | XXXX | XXXX |  |  | Closed | 2026-04-09 10:45 | 2026-04-09 10:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/09/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/09/2026<br>|  |  |  | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8577904 | Originator Post-Close | No |
| 246 | XXXX | XXXX |  |  | Closed | 2026-03-11 13:14 | 2026-03-20 13:51 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Received confirmation no HOA, HOI in file. Condition resolved. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. All of the properties owned by the borrower on XX are commercial properties. There are no homeowners' association dues because they are not homes. - Buyer-03/19/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements XX- Supporting Documents missing to validate Hazard and HOA.<br> XX- Supporting Documents missing to validate Hazard and HOA.<br> XX- Supporting Documents missing to validate Hazard and HOA.<br> - Due Diligence Vendor-03/11/2026 |  | Resolved-Received confirmation no HOA, HOI in file. Condition resolved. - Due Diligence Vendor-03/20/2026<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 8052254 | N/A | N/A |
| 247 | XXXX | XXXX |  |  | Closed | 2026-03-20 11:48 | 2026-03-26 12:07 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-Lender credit decreased due to rate lock. Condition resolved - Due Diligence Vendor-03/26/2026 <br>Open- - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. The lender credit was updated with the lock on the 02-13 LE. The loan was not locked yet on the 02-03 LE. Please see attached LEs. - Buyer-03/25/2026 <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($1,641.00). The Last CD shows a total lender credit amount of ($826.60). 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)). Lender credit got decreased from initial LE to final CD, COC not provided. - Due Diligence Vendor-03/20/2026 <br>Open- - Due Diligence Vendor-03/20/2026 |  | Resolved-Lender credit decreased due to rate lock. Condition resolved - Due Diligence Vendor-03/26/2026<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 8243080 | N/A | N/A |
| 247 | XXXX | XXXX |  |  | Closed | 2026-03-20 11:48 | 2026-03-26 12:07 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-Resolved - Due Diligence Vendor-03/26/2026 <br> Open- - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. The lender credit was updated with the lock on the 02-13 LE. The loan was not locked yet on the 02-03 LE. Please see attached LEs. - Buyer-03/25/2026 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($1,641.00). The actual total fee amount shows a credit amount of ($826.60). 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)). Lender credit got decreased from initial LE to final CD, COC not provided. - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/20/2026 |  | Resolved-Resolved - Due Diligence Vendor-03/26/2026<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 8243081 | N/A | N/A |
| 250 | XXXX | XXXX |  |  | Closed | 2026-02-20 13:28 | 2026-02-20 13:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/20/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/20/2026<br>|  |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 7727874 | Investor Post-Close | No |
| 254 | XXXX | XXXX |  |  | Closed | 2026-04-06 09:26 | 2026-04-06 09:26 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/06/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/06/2026<br>|  |  |  | CA | Primary Residence | Purchase | NA | 8499130 | Investor Post-Close | No |
| 259 | XXXX | XXXX |  |  | Closed | 2026-03-19 12:35 | 2026-03-25 16:55 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Leases provided. Resolved. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. we have leases for XXXX. We are not using rental income for XXXX. - Buyer-03/25/2026 <br> Open-Borrower 1 Lease Agreements Missing Latest Lease Agreements missing for REO properties - Due Diligence Vendor-03/19/2026 |  | Resolved-Leases provided. Resolved. - Due Diligence Vendor-03/25/2026<br>| XXXX |  |  | CA | Investment | Purchase | NA | 8217752 | N/A | N/A |
| 269 | XXXX | XXXX |  |  | Closed | 2026-03-20 08:48 | 2026-03-27 10:14 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Document Uploaded. business purpose - Buyer-03/25/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit document is missing - Due Diligence Vendor-03/20/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/27/2026<br>| XXXX |  |  | AZ | Investment | Purchase | NA | 8235218 | N/A | N/A |
| 270 | XXXX | XXXX |  |  | Closed | 2026-03-18 14:11 | 2026-03-26 11:16 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E consent provided. Condition resolved. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. econsent - Buyer-03/25/2026 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-03/18/2026 |  | Resolved-E consent provided. Condition resolved. - Due Diligence Vendor-03/26/2026<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 8192863 | N/A | N/A |
| 274 | XXXX | XXXX |  |  | Closed | 2026-02-12 14:40 | 2026-02-26 18:06 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence that REO1 Property is Owned Free and Clear | Resolved-The requirement for housing history and/or proof of free and clear status for the property listed on the 1003 has been resolved based on the following: per Lender Guidelines, when a loan application indicates properties are owned free and clear, formal evidence is typically not required unless conflicting information exists. Audit has reviewed the Fraud Manager report, which confirms no active mortgages or undisclosed liens are associated with the property. As there are no red flags or data points suggesting debt on this property, no further documentation is required. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Documentation for expenses or free and clear is not required on DSCR - Buyer-02/25/2026 <br> Open-Missing Evidence that REO1 Property is Owned Free and Clear Audit could not locate evidence that property located on XX is owned free and clear. - Due Diligence Vendor-02/12/2026 |  | Resolved-The requirement for housing history and/or proof of free and clear status for the property listed on the 1003 has been resolved based on the following: per Lender Guidelines, when a loan application indicates properties are owned free and clear, formal evidence is typically not required unless conflicting information exists. Audit has reviewed the Fraud Manager report, which confirms no active mortgages or undisclosed liens are associated with the property. As there are no red flags or data points suggesting debt on this property, no further documentation is required. - Due Diligence Vendor-02/27/2026 |  |  |  | FL | Investment | Purchase | NA | 7592414 | N/A | N/A |
| 279 | XXXX | XXXX |  |  | Closed | 2026-03-25 19:00 | 2026-04-06 13:44 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved- - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. 1003 updated - Buyer-04/06/2026 <br> Open-Housing History Does Not Meet Guideline Requirements The current primary housing history is insufficient to meet guideline requirements. File has reviewed 10 months of primary residence mortgage history, but 12 months are required. While the 1003 indicates the borrower previously owned the XX property, the settlement statement shows it was sold in May 2024, leaving a gap in the required timeline. - Due Diligence Vendor-03/26/2026 |  |  | XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 8324448 | N/A | N/A |
| 282 | XXXX | XXXX |  |  | Closed | 2026-02-04 11:33 | 2026-03-19 13:46 | Resolved | 1 - Information | Credit | Assets | Assets are not sourced/seasoned | Resolved-Received asset statements, funds sufficient. Condition resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Attached is the updated asset worksheet with corresponding docs. Shows borrower has enough to cover the $XXXX cash to close on the subject property XXXX, the $XXXX, the $XXXX cash to close on his primary residence XXXX, and the $62940.60 reserves on XXXX. Documentation also shows the Oct and Nov bank statements for XXXX acct XXXX illustrating the $99400 withdrawal from that account to source the $99400 large deposit into XXXX on 11/3. - Seller-03/18/2026 <br> Open-added 2/4/26 - There is at least one account on the final application that has no source and/or seasoning. Provide source of funds for transfer deposit into business account on 11/03/2025 $99,400 (PDF pg 421). The donor account stmt ends on 10/15/2025 and do not have sufficient funds to cover the transfer. Any large deposits into the donor account will require sourcing. - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. Attached is the updated asset worksheet with corresponding docs. Shows borrower has enough to cover the $XXXX cash to close on the subject property XXXX, the $44049 XXXX acct, the $XXXX cash to close on his primary residence XXXX, and the $62940.60 reserves on XXXX. Documentation also shows the Oct and Nov bank statements for XXXX illustrating the $99400 withdrawal from that account to source the $99400 large deposit into XXXX on 11/3. - Seller-03/18/2026 | Resolved-Received asset statements, funds sufficient. Condition resolved. - Due Diligence Vendor-03/19/2026<br>| XXXX |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 7443061 | N/A | N/A |
| 282 | XXXX | XXXX |  |  | Closed | 2026-02-04 12:08 | 2026-03-19 13:46 | Resolved | 1 - Information | Credit | Missing Doc | Missing asset documentation - liquid assets | Resolved-Received asset statements, funds sufficient. Condition resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Attached is the updated asset worksheet with corresponding docs. Shows borrower has enough to cover the $XXXX cash to close on the subject property XXXX, the $44049 XXXX, the $XXXX cash to close on his primary residence XXXX, and the $62940.60 reserves on XXXX. Documentation also shows the Oct and Nov bank statements for XXXX illustrating the $99400 withdrawal from that account to source the $99400 large deposit intoXXXX on 11/3. - Investor-03/18/2026 <br> Open-added 2/4/26 - Provide 2 months bank statements showing cash to close withdrawal $XXXX for primary residence purchase. Documented assets in file are insufficient to cover that amount plus required subject reserves. - Due Diligence Vendor-02/04/2026 |  | Resolved-Received asset statements, funds sufficient. Condition resolved. - Due Diligence Vendor-03/19/2026<br>| XXXX |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 7444839 | N/A | N/A |
| 282 | XXXX | XXXX |  |  | Closed | 2026-02-04 11:41 | 2026-03-03 16:14 | Resolved | 1 - Information | Credit | Missing Doc | The Final 1003 is Incomplete | Resolved-Final 1003 completed with ll properties used for review signed and dated by borrower. Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached 1003.<br> - Investor-02/27/2026 <br> Counter-Final 1003 provided, however still missing prim residence PITIA, 3 other REOs - XXXX, XXXX, and XXXX, these were all used for qualifying income for the review, finding remains. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Please see attached 1003. - Buyer-02/23/2026 <br> Open-added 2/4/26 - Provide updated final 1003 with primary residence PITIA and REO section updated. - Due Diligence Vendor-02/04/2026 |  | Resolved-Final 1003 completed with ll properties used for review signed and dated by borrower. Finding resolved. - Due Diligence Vendor-03/03/2026<br>| XXXX |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 7443252 | N/A | N/A |
| 282 | XXXX | XXXX |  |  | Closed | 2025-12-10 11:46 | 2026-02-04 12:13 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Final CD received. Resolved with new findings added. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. We obtained attached CD for the property. PITIA is showing as $20,845.38 which is $1,328.38 higher than the estimated PITIA that we had used. It changes the DTI from 36.325% to 37.156%. (Also note, we are not using any income for the subject investment property purchase)<br>Still a minimal change to DTI and still well within guides. DTI changes less than 1%. No eligibility concern, or pricing hits, additional reserve issues etc<br> - Buyer-02/03/2026 <br> Counter-Insufficient documentation provided. Following the lenders instructions in a previous comment, online resources were reviewed to assist, but show the borrower purchased the property prior to the closing of the subject transaction. Finding remains. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Please see printout showing borrower canceled. - Buyer-01/12/2026 <br> Counter-The Final 1003 indicates that the borrower owns the primary residence; please provide evidence the purchase of the primary residence was cancelled. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-UW explanation: Borrower has been renting XXXX since 11/1/2024 for $14,000 a month and was going to purchase the property paying $19,517 PITIA per month, but ended up canceling the purchase and is still just renting. A VOR is in the file and if you look at zillow you will see the property was never sold. So liabilities calculated ended up being too high using $19,517 for the borrower's primary residence when it ended up remaining $14,000 a month. - Investor-12/29/2025 <br> Open-Provide supporting documents to verify the primary residence PITIA. - Due Diligence Vendor-12/10/2025 |  | Resolved-Final CD received. Resolved with new findings added. - Due Diligence Vendor-02/04/2026<br>| XXXX |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 6570201 | N/A | N/A |
| 282 | XXXX | XXXX |  |  | Closed | 2025-12-10 09:40 | 2025-12-10 11:24 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/10/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/10/2025 |  |  |  | GA | Investment | Refinance | No Cash Out - Borrower Initiated | 6566151 | Investor Post-Close | No |
| 284 | XXXX | XXXX |  |  | Closed | 2026-02-13 06:34 | 2026-02-18 16:59 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Lender provided WLSP dated 11/06/25, Finding resolved. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see uploaded List of Settlement Service Providers dated 11.06.25 - Buyer-02/18/2026 <br> Open-The List of Settlement Service Providers 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, the List of Settlement Service Providers 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)(vi); 1026.19(e)(1)(iii)) The List of Settlement Service Providers 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). - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 |  | Resolved-Lender provided WLSP dated 11/06/25, Finding resolved. - Due Diligence Vendor-02/18/2026 | XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7604675 | N/A | N/A |
| 285 | XXXX | XXXX |  |  | Closed | 2026-02-12 16:42 | 2026-02-12 17:13 | Waived | 2 - Non-Material | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception: To use lease amount of $2200 rather than 1007 value of $2000 to meet 1.00 DSCR. Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/12/2026 |  | Waived-Exception: To use lease amount of $2200 rather than 1007 value of $2000 to meet 1.00 DSCR. Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/12/2026 |  |  | Minimum FICO 700, Minimum DSCR 1.02, Maximum LTV 75%, Reserves met | VA | Investment | Purchase | NA | 7595627 | Originator Pre-Close | Yes |
| 286 | XXXX | XXXX |  |  | Closed | 2026-03-18 23:13 | 2026-03-24 09:13 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing - Due Diligence Vendor-03/24/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing - Due Diligence Vendor-03/24/2026<br>|  |  |  | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8203150 | Investor Post-Close | No |
| 288 | XXXX | XXXX |  |  | Closed | 2026-03-24 13:10 | 2026-03-27 16:32 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Please see uploaded Business Purpose Affidavit - Buyer-03/27/2026 <br> Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-03/24/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/27/2026<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 8295660 | N/A | N/A |
| 293 | XXXX | XXXX |  |  | Closed | 2026-03-23 09:44 | 2026-03-23 09:44 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/23/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/23/2026<br>|  |  |  | WA | Primary Residence | Purchase | NA | 8264443 | Investor Post-Close | No |
| 303 | XXXX | XXXX |  |  | Closed | 2026-03-19 06:31 | 2026-04-03 15:31 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Received documentation that lender was closed on 12/24/26. Resolved. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. Please see attached showing we were closed on December 24. - Investor-03/31/2026 <br> Counter-Comment stating lender was closed on 12/24/26 received. Please provide signed attestation to verify as 12/24 was not considered a legal holiday. Not resolved. - Due Diligence Vendor-03/30/2026 <br> Open-Comment stating lender was closed on 12/24/26 received. Please provide signed attestation to verify as 12/24 was not considered a legal holiday. Not resolved. - Due Diligence Vendor-03/30/2026 <br> Open- - Due Diligence Vendor-03/30/2026 <br> Open- - Due Diligence Vendor-03/30/2026 <br> Open- - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Compliance Response: Finding invalid. Newrez offices were closed on 12/24/2025 and 12/25/2025, therefore 3 business days for application date XX/XX/XXXX would be XX/XX/XXXX. - Buyer-03/26/2026 <br> Open- - Due Diligence Vendor-03/19/2026 <br> Open-The List of Settlement Service Providers Disclosure Date (2025-12-26) is more than 3 business days from the Application Date (2025-12-19). Three business days from the Application Date is (2025-12-24). Under Regulation Z, the List of Settlement Service Providers 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)(vi); 1026.19(e)(1)(iii)) The borrower(s) received the Loan Estimate on 12/26/2025 and expressed an intent to proceed with the Loan Estimate on 01/16/2026. - Due Diligence Vendor-03/19/2026 <br> Open- - Due Diligence Vendor-03/19/2026 |  | Resolved-Received documentation that lender was closed on 12/24/26. Resolved. - Due Diligence Vendor-04/03/2026 | XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 8206863 | N/A | N/A |
| 303 | XXXX | XXXX |  |  | Closed | 2026-03-19 06:31 | 2026-04-03 15:31 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received documentation that lender was closed on 12/24/26. Resolved. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. Please see attached showing we were closed on December 24. - Investor-03/31/2026 <br> Counter-Comment stating lender was closed on 12/24/26 received. Please provide signed attestation to verify as 12/24 was not considered a legal holiday. - Due Diligence Vendor-03/30/2026 <br> Open- - Due Diligence Vendor-03/30/2026 <br> Open- - Due Diligence Vendor-03/30/2026 <br> Open- - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Compliance Response: Finding invalid. Newrez offices were closed on 12/24/2025 and 12/25/2025, therefore 3 business days for application date XX/XX/XXXX would be XX/XX/XXXX. - Investor-03/26/2026 <br> Open- - Due Diligence Vendor-03/19/2026 <br> Open-The Initial Disclosure Date (2025-12-26) 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 borrower(s) received the Loan Estimate on 12/26/2025 and expressed an intent to proceed with the Loan Estimate on 01/16/2026. - Due Diligence Vendor-03/19/2026 <br> Open- - Due Diligence Vendor-03/19/2026 |  | Resolved-Received documentation that lender was closed on 12/24/26. Resolved. - Due Diligence Vendor-04/03/2026<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 8206861 | N/A | N/A |
| 303 | XXXX | XXXX |  |  | Closed | 2026-03-19 06:31 | 2026-03-30 13:16 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Resolved- - Due Diligence Vendor-03/30/2026 <br> Resolved- - Due Diligence Vendor-03/30/2026 <br> Open-A Lender Credit for Excess Charges of ($5.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($11.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-03/30/2026 <br> Open- - Due Diligence Vendor-03/30/2026 <br> Open- - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Our fee comparison is showing a $5.00 increase in 0% tolerance fees, which was cured at closing. The 10% tolerance fees decreased. Please provide clarification.<br> - Buyer-03/26/2026 <br> Open-A Lender Credit for Excess Charges of ($5.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($1,921.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender credit decreased due to new rate lock. - Due Diligence Vendor-03/19/2026 <br> Open- - Due Diligence Vendor-03/19/2026 <br> Open- - Due Diligence Vendor-03/19/2026 |  | Resolved- - Due Diligence Vendor-03/30/2026<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 8206859 | N/A | N/A |
| 303 | XXXX | XXXX |  |  | Closed | 2026-03-19 06:31 | 2026-03-30 13:16 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Resolved- - Due Diligence Vendor-03/30/2026 <br> Resolved- - Due Diligence Vendor-03/30/2026 <br> Open-A Lender Credit for Excess Charges of ($5.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($11.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-03/30/2026 <br> Open- - Due Diligence Vendor-03/30/2026 <br> Open- - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Our fee comparison is showing a $5.00 increase in 0% tolerance fees, which was cured at closing. The 10% tolerance fees decreased. Please provide clarification. - Investor-03/26/2026 <br> Open-A Lender Credit for Excess Charges of ($5.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($1,921.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. A Lender Credit for Excess Charges of ($5.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($2,029.70) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-03/19/2026 <br> Open- - Due Diligence Vendor-03/19/2026 <br> Open- - Due Diligence Vendor-03/19/2026 |  | Resolved- - Due Diligence Vendor-03/30/2026<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 8206862 | N/A | N/A |
| 303 | XXXX | XXXX |  |  | Closed | 2026-03-19 07:19 | 2026-03-19 07:19 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. The borrower(s) received the Loan Estimate on 12/30/2025 and expressed an intent to proceed with the Loan Estimate on 01/16/2026. - Due Diligence Vendor-03/19/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. The borrower(s) received the Loan Estimate on 12/30/2025 and expressed an intent to proceed with the Loan Estimate on 01/16/2026. - Due Diligence Vendor-03/19/2026<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 8207355 | Investor Post-Close | No |
| 305 | XXXX | XXXX |  |  | Closed | 2026-02-18 12:31 | 2026-03-03 14:39 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice provided. Finding resolved - Due Diligence Vendor-03/03/2026 <br>Resolved-Privacy Notice provided. - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. privacy - Buyer-02/26/2026 <br>Open-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing or Incomplete - Due Diligence Vendor-02/18/2026 |  | Resolved-Privacy Notice provided. Finding resolved - Due Diligence Vendor-03/03/2026 <br>Resolved-Privacy Notice provided. - Due Diligence Vendor-03/03/2026<br>| XXXX |  |  | PA | Primary Residence | Refinance | Cash Out - Other | 7682188 | N/A | N/A |
| 309 | XXXX | XXXX |  |  | Closed | 2026-02-13 13:26 | 2026-02-19 13:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Asset Documentation | Resolved-Lender provided proof of Gift of 50K with deposit document. Finding resolved. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached gift funds documentation. - Buyer-02/18/2026 <br> Open-Missing Asset Documentation. Gift deposit document missing in file, available document on page no. 206 (copy of check) is dated 01/19/2025. - Due Diligence Vendor-02/13/2026 |  | Resolved-Lender provided proof of Gift of 50K with deposit document. Finding resolved. - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 7615994 | N/A | N/A |
| 309 | XXXX | XXXX |  |  | Closed | 2026-02-12 10:16 | 2026-02-12 10:16 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2026<br>|  |  |  | GA | Primary Residence | Purchase | NA | 7585450 | Investor Post-Close | No |
| 312 | XXXX | XXXX |  |  | Closed | 2026-03-15 13:21 | 2026-03-19 10:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/19/2026 <br>Resolved- - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. Please see attached business purpose certificate. - Buyer-03/18/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-03/15/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/19/2026<br>| XXXX |  |  | NV | Investment | Purchase | NA | 8115941 | N/A | N/A |
| 319 | XXXX | XXXX |  |  | Closed | 2026-03-16 14:34 | 2026-03-16 14:34 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/16/2026 |  | Acknowledged-S&P RA Only - Value grade 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-03/16/2026<br>|  |  |  | GA | Primary Residence | Purchase | NA | 8136004 | Investor Post-Close | No |
| 329 | XXXX | XXXX |  |  | Closed | 2026-03-19 07:32 | 2026-04-03 16:49 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Updated Policy effective 03/06/26 received. Resolved. - Due Diligence Vendor-04/03/2026 <br> Resolved-Hazard Insurance Effective Date of 03-09-2026 is prior to or equal to the Disbursement Date of 03-09-2026 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/01/2026 <br> Open-Hazard Insurance Effective Date of 03-13-2026 is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-03/19/2026 |  | Resolved-Updated Policy effective 03/06/26 received. Resolved. - Due Diligence Vendor-04/03/2026 <br> Resolved-Hazard Insurance Effective Date of 03-09-2026 is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/03/2026 | XXXX |  |  | OR | Primary Residence | Purchase | NA | 8207529 | N/A | N/A |
| 337 | XXXX | XXXX |  |  | Closed | 2026-04-01 06:09 | 2026-04-01 06:11 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-04/01/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-04/01/2026<br>|  |  |  | GA | Investment | Purchase | NA | 8423104 | Investor Post-Close | No |
| 340 | XXXX | XXXX |  |  | Closed | 2026-03-23 06:40 | 2026-03-23 06:40 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/23/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/23/2026<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 8260947 | Investor Post-Close | No |
| 343 | XXXX | XXXX |  |  | Closed | 2026-02-05 13:00 | 2026-02-13 16:10 | Resolved | 1 - Information | Credit | Missing Doc | Asset 1 Missing | Resolved-Two months of account statements and letter of explanation provided. Finding resolved. - Due Diligence Vendor-02/13/2026 <br> Resolved-Asset 1 Provided - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Asset statements were provided from XXXX 11/1 to 12/31 under the borrower's maiden name, see 2 months statements and AKA letter attached. - Buyer-02/12/2026 <br> Open-Asset 1 Missing Lender's guidelines require 2 months' bank statements, investor portfolio statements, 401K or other retirement account statements. There are no asset statements in file verifying sufficient funds to meet the reserve requirement. <br> - Due Diligence Vendor-02/05/2026 |  | Resolved-Two months of account statements and letter of explanation provided. Finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-Asset 1 Provided - Due Diligence Vendor-02/13/2026<br>| XXXX |  |  | IN | Investment | Refinance | Cash Out - Other | 7473925 | N/A | N/A |
| 353 | XXXX | XXXX |  |  | Closed | 2026-02-20 03:15 | 2026-02-24 09:13 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (2026-01-16) 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) The Homeownership Counseling Organization Disclosure Sent Date (2026-01-16) is more than 3 business days from the Application Date (XX/XX/XXXX). - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/20/2026 |  | Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (2026-01-16) 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) The Homeownership Counseling Organization Disclosure Sent Date (2026-01-16) is more than 3 business days from the Application Date (XX/XX/XXXX). - Due Diligence Vendor-02/20/2026 |  |  |  | OK | Primary Residence | Purchase | NA | 7713937 | Investor Post-Close | No |
| 356 | XXXX | XXXX |  |  | Closed | 2026-03-09 13:29 | 2026-03-19 11:02 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Final CD attached to evidence net proceeds from sale of XXXX on 2/23/26. The borrower received $XXXX. - Buyer-03/18/2026 <br> Open-Insufficient asset documentation in file - assets do not cover closing costs. Evidence of Net Proceeds messing in the amount of $XXXX for the property XXXX - Due Diligence Vendor-03/09/2026 |  | Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-03/19/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 8003277 | N/A | N/A |
| 366 | XXXX | XXXX |  |  | Closed | 2026-03-10 08:18 | 2026-03-13 13:10 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (2026-02-02) 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) The Homeownership Counseling Organization Disclosure Sent Date (2026-02-02) is more than 3 business days from the Application Date (XX/XX/XXXX) - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 |  | Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (2026-02-02) 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) The Homeownership Counseling Organization Disclosure Sent Date (2026-02-02) is more than 3 business days from the Application Date (XX/XX/XXXX) - Due Diligence Vendor-03/10/2026 |  |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 8017352 | Investor Post-Close | No |
| 375 | XXXX | XXXX |  |  | Closed | 2026-02-18 10:27 | 2026-02-18 10:27 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade 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-02/18/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade 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-02/18/2026 |  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7678607 | Investor Post-Close | No |
| 378 | XXXX | XXXX |  |  | Closed | 2026-02-11 14:13 | 2026-04-21 11:10 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-Accepted by New Rez - Due Diligence Vendor-04/21/2026 <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) The Homeownership Counseling Organization Disclosure Sent Date (2026-01-13) is more than 3 business days from the Application Date (2025-11-21). - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Acknowledged-Accepted by New Rez - Due Diligence Vendor-04/21/2026 |  |  |  | LA | Primary Residence | Refinance | Cash Out - Other | 7566779 | Investor Post-Close | No |
| 390 | XXXX | XXXX |  |  | Closed | 2026-03-13 16:00 | 2026-03-13 16:00 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/13/2026 |  | Acknowledged-S&P RA Only - Value grade 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-03/13/2026<br>|  |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 8106851 | Investor Post-Close | No |
| 392 | XXXX | XXXX |  |  | Closed | 2025-12-01 12:46 | 2026-03-24 15:55 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Investor approves the override of the insurance gap, and to please regrade 2\B. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Will you accept a borrower attestation stating no loss? - Investor-03/23/2026 <br> Counter-The documentation provided reflects a date of 02/09/2026 with effective dates of the policy noted with no losses. Missing Documentation to reflect no losses dated from the disbursement date XX/XX/XXXX to the effective date of 11/20/2025 - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Will you accept a letter from the borrower stating no damage? or what will you accept? - Investor-03/19/2026 <br> Counter-The effective date on the no loss letter is dated after the disbursement date of the transaction. Please provide no loss letter with updated effective date. Finding remains - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Please re-review. The no loss letter was provided due to not having insurance for one day prior to disbursement. - Investor-02/12/2026 <br> Counter-Please provide an updated hazard insurance policy with effective date prior to the disbursement date. Lender submitted a loss history letter showing no loss. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. no loss letter - Seller-02/10/2026 <br> Open-Hazard Insurance Effective Date of 11-20-2025 is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. no loss letter - Seller-02/10/2026<br>| Acknowledged-Investor approves the override of the insurance gap, and to please regrade 2\B. - Due Diligence Vendor-03/24/2026<br>| XXXX |  | comp factors - Borrower is an experienced real estate investor, no lates on current or past mortgages, $306k in reserves, 769 credit score | CA | Investment | Purchase | NA | 6432519 | Investor Post-Close | No |
| 392 | XXXX | XXXX |  |  | Closed | 2025-12-01 12:16 | 2025-12-31 15:50 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Evidence of Good Standing in file is dated 11-01-2025 and note is dated XX/XX/XXXX. Document age of days exceeds guidelines. Evidence of Good Standing does not print exact date, finding resolved. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Good standing evidence was printed in November 2025, system shows upload to documents was November 2025. Website does not print with date it was pulled. New screenshot attached showing good standing as of 12/26/25 (time shown on computer screen). - Investor-12/29/2025 <br> Counter-Good Standing cert provided only contains the initial filing date of 8/22/2021, no date of XX/XX/XXXX was located. Finding remains. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. Please see attached good standing certificate dated 11-21-25. - Investor-12/12/2025 <br> Open-Evidence of Good Standing in file is dated 08-22-2021 and note is dated XX/XX/XXXX. Document age of days exceeds guidelines. Evidence of Good Standing period exceeds guidelines document age. - Due Diligence Vendor-12/01/2025 |  | Resolved-Evidence of Good Standing in file is dated 11-01-2025 and note is dated XX/XX/XXXX. Document age of days exceeds guidelines. Evidence of Good Standing does not print exact date, finding resolved. - Due Diligence Vendor-12/31/2025 | XXXX |  |  | CA | Investment | Purchase | NA | 6431599 | N/A | N/A |
| 397 | XXXX | XXXX |  |  | Closed | 2026-02-23 12:56 | 2026-02-26 17:02 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided, condition resolved. - Due Diligence Vendor-02/26/2026 <br> Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Please see attached business purpose certificate. - Buyer-02/24/2026 <br> Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-02/23/2026 |  | Resolved-Business Purpose Affidavit provided, condition resolved. - Due Diligence Vendor-02/26/2026 <br> Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-02/26/2026 | XXXX |  |  | PA | Investment | Refinance | No Cash Out - Borrower Initiated | 7761240 | N/A | N/A |
| 401 | XXXX | XXXX |  |  | Closed | 2026-02-12 13:05 | 2026-02-12 13:05 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2026 |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7589061 | Investor Post-Close | No |
| 404 | XXXX | XXXX |  |  | Closed | 2026-02-18 13:12 | 2026-04-22 11:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/18/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/18/2026 |  |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7683140 | Investor Post-Close | No |
| 406 | XXXX | XXXX |  |  | Closed | 2026-02-18 10:30 | 2026-02-18 10:30 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade 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-02/18/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade 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-02/18/2026 |  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 7678679 | Investor Post-Close | No |
| 410 | XXXX | XXXX |  |  | Closed | 2026-03-10 13:44 | 2026-04-17 17:58 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-LCA Score 4.8 - Due Diligence Vendor-04/17/2026 <br> Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-03/10/2026 |  | Acknowledged-LCA Score 4.8 - Due Diligence Vendor-04/17/2026 <br> Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-03/10/2026 |  |  |  | CO | Second Home | Purchase | NA | 8028213 | Investor Post-Close | No |
| 418 | XXXX | XXXX |  |  | Closed | 2026-02-23 13:08 | 2026-02-23 13:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/23/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/23/2026<br>|  |  |  | MN | Primary Residence | Purchase | NA | 7761643 | Investor Post-Close | No |
| 419 | XXXX | XXXX |  |  | Closed | 2026-03-16 06:14 | 2026-03-23 08:47 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-HELOC close-out letter received. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached HELOC closure letter. - Investor-03/20/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. - Due Diligence Vendor-03/16/2026 |  | Resolved-HELOC close-out letter received. - Due Diligence Vendor-03/23/2026<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 8121867 | N/A | N/A |
| 419 | XXXX | XXXX |  |  | Closed | 2026-03-16 06:13 | 2026-03-23 08:45 | Resolved | 1 - Information | Credit | Missing Doc | HELOC Closure Letter Not Provided | Resolved- - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached HELOC closure letter. - Investor-03/20/2026 <br> Open-The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. - Due Diligence Vendor-03/16/2026 |  |  | XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 8121862 | N/A | N/A |
| 419 | XXXX | XXXX |  |  | Closed | 2026-03-13 13:17 | 2026-03-20 13:17 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E consent received. Condition resolved. - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. econsent - Investor-03/19/2026 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-03/13/2026 |  | Resolved-E consent received. Condition resolved. - Due Diligence Vendor-03/20/2026<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 8102807 | N/A | N/A |
| 419 | XXXX | XXXX |  |  | Closed | 2026-03-13 13:30 | 2026-03-20 13:16 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-E consent received. Condition resolved. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. econsent - Seller-03/19/2026 <br> Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Appraisal delivery date is XX/XX/XXXX and E-consent document date is missing for borrower. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. econsent - Seller-03/19/2026<br>| Resolved-E consent received. Condition resolved. - Due Diligence Vendor-03/20/2026<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 8103169 | N/A | N/A |
| 428 | XXXX | XXXX |  |  | Closed | 2026-02-19 14:22 | 2026-02-19 14:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/19/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/19/2026 |  |  |  | OH | Primary Residence | Purchase | NA | 7706380 | Investor Post-Close | No |
| 430 | XXXX | XXXX |  |  | Closed | 2026-01-27 12:52 | 2026-04-20 18:04 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XXXX) | Cured- - Due Diligence Vendor-04/20/2026 <br> Cured-Received PCCD and Pay history showing Prin reduction. Condition cured. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. pccd and payment history - Investor-03/13/2026 <br> Counter-Initial CD dated 08/28/2025, Appraisal Desk Review (Investment Home Appraisal Fee) increased from 120 to 150 without Valid COC. Finding remains. - Due Diligence Vendor-02/25/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-02/25/2026 <br> Open- - Due Diligence Vendor-02/25/2026 <br> Ready for Review-please provide clarification as to what fee(s) you are looking to cure. <br>Why do we have 2 suspense items for the same cure? - Investor-02/24/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Cured-Received PCCD and Pay history showing Prin reduction. Condition cured. - Due Diligence Vendor-03/17/2026<br>| XXXX |  |  | UT | Investment | Purchase | NA | 7316866 | N/A | N/A |
| 430 | XXXX | XXXX |  |  | Closed | 2026-01-27 12:52 | 2026-04-20 18:04 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Cured- - Due Diligence Vendor-04/20/2026 <br> Cured-Received PCCD and Pay history showing Prin reduction. Condition cured. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. pccd and payment history - Buyer-03/13/2026 <br> Counter-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Initial CD dated 08/28/2025, Appraisal Desk Review (Investment Home Appraisal Fee) increased from 120 to 150 without Valid COC. Finding remains. - Due Diligence Vendor-02/25/2026 <br> Open- - Due Diligence Vendor-02/25/2026 <br> Ready for Review-please provide clarification as to what fee(s) you are looking to cure. <br>Why do we have 2 suspense items for the same cure? - Buyer-02/24/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Cured-Received PCCD and Pay history showing Prin reduction. Condition cured. - Due Diligence Vendor-03/17/2026<br>| XXXX |  |  | UT | Investment | Purchase | NA | 7316867 | N/A | N/A |
| 433 | XXXX | XXXX |  |  | Closed | 2026-02-24 21:26 | 2026-02-24 21:26 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/25/2026 |  | Acknowledged-S&P RA Only - Value grade 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-02/25/2026<br>|  |  |  | LA | Primary Residence | Purchase | NA | 7790357 | Investor Post-Close | No |
| 436 | XXXX | XXXX |  |  | Closed | 2026-03-24 08:55 | 2026-03-24 08:55 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/24/2026 |  | Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/24/2026<br>|  |  | Reduction of total payment on subject property from $3428 to $2896.<br> 0x30 verification of mortgage.<br> Experienced investor.<br> FICO 691. | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 8287190 | Originator Pre-Close | Yes |
| 436 | XXXX | XXXX |  |  | Closed | 2026-03-24 08:55 | 2026-03-24 08:55 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/24/2026 |  | Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-03/24/2026<br>|  |  | Reduction of total payment on subject property from $3428 to $2896.<br> 0x30 verification of mortgage.<br> Experienced investor.<br> FICO 691. | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 8287191 | Originator Pre-Close | Yes |
| 436 | XXXX | XXXX |  |  | Closed | 2026-03-24 08:55 | 2026-03-24 08:55 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 80% exceeds Guideline CLTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.<br> - Due Diligence Vendor-03/24/2026 |  | Waived-Audited CLTV of 80% exceeds Guideline CLTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.<br> - Due Diligence Vendor-03/24/2026<br>|  |  | Reduction of total payment on subject property from $3428 to $2896.<br> 0x30 verification of mortgage.<br> Experienced investor.<br> FICO 691. | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 8287189 | Originator Pre-Close | Yes |
| 437 | XXXX | XXXX |  |  | Closed | 2026-03-14 09:13 | 2026-03-18 11:21 | Resolved | 1 - Information | Compliance | Disclosure | HPML: Delivery of Appraisal/Valuation to Applicant Not Timely | Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-03/18/2026 <br>Ready for Review-Document Uploaded. appraisal delivery - Buyer-03/17/2026 <br>Open-HPML Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely As pe document on page # 787 Borrower signed acknowledgement of appraisal. - Due Diligence Vendor-03/14/2026 |  | Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-03/18/2026<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 8111727 | N/A | N/A |
| 445 | XXXX | XXXX |  |  | Closed | 2026-02-10 05:40 | 2026-03-17 18:53 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall - Replacement Cost Provided | Resolved-Received RCE. Condition cleared. - Due Diligence Vendor-03/17/2026 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. RCE - Buyer-03/13/2026 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXXX Required coverage amount is update as $XXXX as per document. which is less than Replacement cost value $XXXX - Due Diligence Vendor-02/16/2026 |  | Resolved-Received RCE. Condition cleared. - Due Diligence Vendor-03/17/2026 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-03/17/2026 | XXXX |  | . | CA | Primary Residence | Purchase | NA | 7531559 | N/A | N/A |
| 450 | XXXX | XXXX |  |  | Closed | 2026-02-11 07:01 | 2026-02-24 13:37 | Resolved | 1 - Information | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud report provided with OFAC search, finding resolved. - Due Diligence Vendor-02/24/2026 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. Fraud Manager - Buyer-02/23/2026 <br>Open-Missing Third Party Fraud Report Fraud report is not provided. - Due Diligence Vendor-02/11/2026 |  | Resolved-Fraud report provided with OFAC search, finding resolved. - Due Diligence Vendor-02/24/2026 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/24/2026<br>| XXXX |  |  | FL | Second Home | Refinance | Cash Out - Home Improvement/Reno | 7555924 | N/A | N/A |
| 450 | XXXX | XXXX |  |  | Closed | 2026-02-11 07:01 | 2026-02-24 13:37 | Resolved | 1 - Information | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Fraud report provided with OFAC search, finding resolved. - Due Diligence Vendor-02/24/2026 <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. Fraud Manager - Buyer-02/23/2026 <br>Open-OFAC Check Not Completed and/or Cleared OFAC search is not provided. - Due Diligence Vendor-02/11/2026 |  | Resolved-Fraud report provided with OFAC search, finding resolved. - Due Diligence Vendor-02/24/2026 <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-02/24/2026<br>| XXXX |  |  | FL | Second Home | Refinance | Cash Out - Home Improvement/Reno | 7555923 | N/A | N/A |
| 464 | XXXX | XXXX |  |  | Closed | 2026-02-13 18:06 | 2026-02-26 17:58 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The requirement for housing history and/or proof of free and clear status for the two properties listed on the 1003 has been resolved based on the following: per Lender Guidelines, when a loan application indicates properties are owned free and clear, formal evidence is typically not required unless conflicting information exists. Audit has reviewed the Fraud Manager report, which confirms no active mortgages or undisclosed liens are associated with these properties. As there are no red flags or data points suggesting debt on these properties, no further documentation is required. - Due Diligence Vendor-02/26/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Per our UW manager - Nothing on fraud manager report shows there is a mortgage for these properties so no further action is required. Please clear this condition. Thanks.<br> - Investor-02/25/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Please provide documentation of a satisfactory 12-month mortgage history for properties located on XXXX and XX or evidence they are owned free and clear, - Due Diligence Vendor-02/14/2026 |  | Resolved-The requirement for housing history and/or proof of free and clear status for the two properties listed on the 1003 has been resolved based on the following: per Lender Guidelines, when a loan application indicates properties are owned free and clear, formal evidence is typically not required unless conflicting information exists. Audit has reviewed the Fraud Manager report, which confirms no active mortgages or undisclosed liens are associated with these properties. As there are no red flags or data points suggesting debt on these properties, no further documentation is required. - Due Diligence Vendor-02/26/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/26/2026<br>|  |  |  | OH | Investment | Refinance | Cash Out - Other | 7620465 | N/A | N/A |
| 464 | XXXX | XXXX |  |  | Closed | 2026-02-07 03:21 | 2026-02-26 17:54 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Current Evidence of Good Standing - Buyer-02/19/2026 <br> Counter-Documentation provided is dated 2019, documentation must be dated within 120 days of Note date. Finding remains - Due Diligence Vendor-02/19/2026 <br> Open-Missing Evidence of Good Standing. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Uploaded borrower Entity Good Standing document - Buyer-02/18/2026 <br> Open-Missing Evidence of Good Standing. - Due Diligence Vendor-02/07/2026 |  | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/24/2026<br>| XXXX |  |  | OH | Investment | Refinance | Cash Out - Other | 7502984 | N/A | N/A |
| 464 | XXXX | XXXX |  |  | Closed | 2026-02-13 17:53 | 2026-02-26 17:53 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Entity Tax ID received, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. Uploaded Entity Tax ID - Buyer-02/18/2026 <br>Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-02/13/2026 |  | Resolved-Entity Tax ID received, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | OH | Investment | Refinance | Cash Out - Other | 7620324 | N/A | N/A |
| 465 | XXXX | XXXX |  |  | Closed | 2026-02-11 12:50 | 2026-02-11 12:50 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. acknowledged - Due Diligence Vendor-02/11/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. acknowledged - Due Diligence Vendor-02/11/2026<br>|  |  |  | CT | Primary Residence | Refinance | Cash Out - Other | 7564946 | Investor Post-Close | No |
| 467 | XXXX | XXXX |  |  | Closed | 2026-03-10 08:16 | 2026-03-16 08:57 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/10/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/10/2026<br>|  |  |  | ID | Primary Residence | Purchase | NA | 8017300 | Investor Post-Close | No |
| 469 | XXXX | XXXX |  |  | Closed | 2026-01-27 04:26 | 2026-02-11 11:24 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Item not appearing on credit report. Lender comments explain that the UW pulled from bank statement as most conservative approach. No inquiries on credit report nor other evidence the account belongs to the borrower. Finding resolved. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Response from UW manager: Disagree - please escalate this condition to the auditor's manager. The balance of the liability is not relevant and has no effect on the loan qualification or eligibility as the most conservative approach was used by including the payment seen on the bank statements in the total liabilities which is acceptable. The 11/10/2025 credit report is dated after the first payment to XXXX seen on 10/28/2025 and there are no credit inquiries on the report to indicate potential undisclosed debt. - Buyer-02/11/2026 <br> Counter-Unable to verify scheduled monthly payment nor balance for liability 7, please provide evidence of liability and payment. Finding remains. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see the attached bank statements from the file which show $100.00 payments to "XXXX" on 10/28/2025 and to "XXXX" ON 12/11/2025. No payment to the same creditor was seen on the November 2025 statement. The $100 payment noted on the bank statements was included in the monthly liabilities as the most conservative approach. - Buyer-02/03/2026 <br> Open-Lender Included Liability 7 (Continuation sheet) for DTI Consideration. However, evidence to verify payment proof is Missing. - Due Diligence Vendor-01/27/2026 |  | Resolved-Item not appearing on credit report. Lender comments explain that the UW pulled from bank statement as most conservative approach. No inquiries on credit report nor other evidence the account belongs to the borrower. Finding resolved. - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7307464 | N/A | N/A |
| 469 | XXXX | XXXX |  |  | Closed | 2026-01-24 08:28 | 2026-02-10 13:00 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-What Mortgage Applicants Need to Know Pamphlet received. Finding resolved. - Due Diligence Vendor-02/10/2026 <br> Resolved-Disclosure provided. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-02/02/2026 <br> Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. - Due Diligence Vendor-01/24/2026 |  | Resolved-What Mortgage Applicants Need to Know Pamphlet received. Finding resolved. - Due Diligence Vendor-02/10/2026 <br> Resolved-Disclosure provided. - Due Diligence Vendor-02/10/2026 | XXXX |  |  | NY | Primary Residence | Purchase | NA | 7282688 | N/A | N/A |
| 473 | XXXX | XXXX |  |  | Closed | 2026-02-07 02:38 | 2026-03-23 06:25 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Documentation received, finding reasolved - Due Diligence Vendor-03/23/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $158771.61 is equal to or greater than Total Required Reserve Amount of $11741.22 - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Attached is the January biz bank statement for XXXX xXXXX, it shows enough in the account as of the 1/23 note date to cover the $9514.68 reserve requirement. - Seller-03/20/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $7249.03 is less than Total Required Reserve Amount of $9514.68 Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount. Audit using balance of $44,904 from printout dated 1/17/26.<br> - Due Diligence Vendor-02/07/2026 | Ready for Review-Document Uploaded. Attached is the January biz bank statement for XXXX, it shows enough in the account as of the XX/XX/XXXX note date to cover the $9514.68 reserve requirement. - Seller-03/20/2026 | Resolved-Documentation received, finding reasolved - Due Diligence Vendor-03/23/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $158771.61 is equal to or greater than Total Required Reserve Amount of $11741.22 - Due Diligence Vendor-03/23/2026<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7502940 | N/A | N/A |
| 473 | XXXX | XXXX |  |  | Closed | 2026-02-07 02:42 | 2026-03-23 06:24 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/23/2026 <br> Resolved-Audited Reserves of 81.14 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Attached is the January biz bank statement for XXXX, it shows enough in the account as of the 1/23 note date to cover the $9514.68 reserve requirement. - Investor-03/20/2026 <br> Open-Audited Reserves of 4.57 month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves are less than Guideline Required Reserves (Number of Months) Audit using balance of $44,904 from printout dated 1/17/26.<br> - Due Diligence Vendor-02/07/2026 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/23/2026 <br>Resolved-Audited Reserves of 81.14 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/23/2026<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7502950 | N/A | N/A |
| 473 | XXXX | XXXX |  |  | Closed | 2026-02-07 02:34 | 2026-02-19 13:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff statement provided, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. Please see attached payoff. - Investor-02/18/2026 <br>Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-02/07/2026 |  | Resolved-Payoff statement provided, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7502934 | N/A | N/A |
| 474 | XXXX | XXXX |  |  | Closed | 2026-02-12 07:29 | 2026-02-24 14:12 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Review fees, made changes, finding resolved. - Due Diligence Vendor-02/24/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/24/2026 <br> Ready for Review- Per our closer and her manager, total payments $XX matches the Mavent and CD. Please clarify where you are getting the different amount. Thanks. - Buyer-02/23/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open-The disclosed Total of Payments ($XX) is understated by more than $35 when compared to the actual Total of Payments of ($XX). The difference is ($100.00). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) y - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 |  | Resolved-Review fees, made changes, finding resolved. - Due Diligence Vendor-02/24/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/24/2026<br>|  |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 7580346 | N/A | N/A |
| 474 | XXXX | XXXX |  |  | Closed | 2026-02-12 07:29 | 2026-02-24 14:12 | Resolved | 1 - Information | Compliance | Mavent | OH Fee Not Allowed- Municipal Lien Fee (Fee ID: 178) | Resolved-Review fees, made changes, finding resolved. - Due Diligence Vendor-02/24/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Per title company- :"It sounds to me like they misinterpreted the word mechanic for that of municipal. We didn't charge for a municipal tax lien. ". Please clear this condition. Thanks.<br> - Buyer-02/23/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open-Ohio law does not allow Municipal Lien Fee (Fee ID: 178) to be charged to the Borrower, Seller, Originator, Lender or Other in OH. y - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 |  | Resolved-Review fees, made changes, finding resolved. - Due Diligence Vendor-02/24/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/24/2026<br>|  |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 7580345 | N/A | N/A |
| 474 | XXXX | XXXX |  |  | Closed | 2026-02-13 04:34 | 2026-02-18 17:41 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-E-Consent provided, Finding resolved. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Please see uploaded borrower Electronic Delivery Disclosure and Consent Confirmation<br> - Seller-02/18/2026 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Please see uploaded borrower Electronic Delivery Disclosure and Consent Confirmation<br> - Seller-02/18/2026<br>| Resolved-E-Consent provided, Finding resolved. - Due Diligence Vendor-02/18/2026 | XXXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 7602252 | N/A | N/A |
| 474 | XXXX | XXXX |  |  | Closed | 2026-02-13 04:34 | 2026-02-13 04:34 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-02/13/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-02/13/2026<br>|  |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 7602251 | Investor Post-Close | No |
| 478 | XXXX | XXXX |  |  | Closed | 2026-03-06 09:22 | 2026-03-26 11:33 | Resolved | 1 - Information | Credit | Missing Doc | HO6 Insurance Policy is Missing | Resolved-Master policy includes walls in coverage. Condition - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Document Uploaded. Master policy includes walls in coverage and states this on the dec page provided so a HO6 policy is not required. - Buyer-03/25/2026 <br>Open-Missing HO-6 Insurance Policy - Due Diligence Vendor-03/06/2026 |  | Resolved-Master policy includes walls in coverage. Condition - Due Diligence Vendor-03/26/2026<br>| XXXX |  |  | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7971466 | N/A | N/A |
| 479 | XXXX | XXXX |  |  | Closed | 2026-03-21 10:21 | 2026-03-25 16:19 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Affidavit Of Business Purpose provided. Resolved. - Due Diligence Vendor-03/25/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. Please see attached business purpose certificate. - Buyer-03/25/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit document is missing. - Due Diligence Vendor-03/21/2026 |  | Resolved-Affidavit Of Business Purpose provided. Resolved. - Due Diligence Vendor-03/25/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/25/2026<br>| XXXX |  |  | MI | Investment | Purchase | NA | 8252424 | N/A | N/A |
| 482 | XXXX | XXXX |  |  | Closed | 2026-02-19 08:24 | 2026-02-24 06:36 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-02/19/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-02/19/2026<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7696297 | Investor Post-Close | No |
| 482 | XXXX | XXXX |  |  | Closed | 2026-02-24 06:35 | 2026-02-24 06:35 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7775655 | Investor Post-Close | No |
| 485 | XXXX | XXXX |  |  | Closed | 2026-03-20 09:43 | 2026-03-20 09:43 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026<br>|  |  |  | MN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8237057 | Investor Post-Close | No |
| 489 | XXXX | XXXX |  |  | Closed | 2026-03-25 15:42 | 2026-03-25 15:42 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/25/2026 |  | Acknowledged-S&P RA Only - Value grade 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-03/25/2026<br>|  |  |  | TX | Investment | Purchase | NA | 8320580 | Investor Post-Close | No |
| 500 | XXXX | XXXX |  |  | Closed | 2026-03-13 13:48 | 2026-03-15 05:48 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. Appraisal sent on 02/29/2026 which is before 3 days to closing. - Due Diligence Vendor-03/15/2026 |  | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. Appraisal sent on 02/29/2026 which is before 3 days to closing. - Due Diligence Vendor-03/15/2026<br>|  |  |  | SC | Investment | Purchase | NA | 8103577 | Investor Post-Close | No |
| 502 | XXXX | XXXX |  |  | Closed | 2026-02-24 13:55 | 2026-02-26 18:10 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided, condition resolved. - Due Diligence Vendor-02/27/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. Please see attached business purpose cert.<br> - Buyer-02/25/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-02/24/2026 |  | Resolved-Business Purpose Affidavit provided, condition resolved. - Due Diligence Vendor-02/27/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-02/27/2026<br>| XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7784035 | N/A | N/A |
| 503 | XXXX | XXXX |  |  | Closed | 2026-02-19 16:29 | 2026-04-20 17:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided, condition resolved. - Due Diligence Vendor-02/26/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Business purpose certificate is attached. - Buyer-02/23/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-02/19/2026 |  | Resolved-Business Purpose Affidavit provided, condition resolved. - Due Diligence Vendor-02/26/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-02/26/2026<br>| XXXX |  |  | FL | Investment | Purchase | NA | 7708716 | N/A | N/A |
| 504 | XXXX | XXXX |  |  | Closed | 2026-03-23 12:45 | 2026-03-27 10:10 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Document Uploaded. ID - Buyer-03/26/2026 <br>Open-Missing Borrower Identification - Borrower 2. Missing Borrower Identification - Borrower 2 - Due Diligence Vendor-03/23/2026 |  | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-03/27/2026<br>| XXXX |  |  | NY | Investment | Purchase | NA | 8269323 | N/A | N/A |
| 507 | XXXX | XXXX |  |  | Closed | 2026-03-13 15:29 | 2026-03-25 11:36 | Resolved | 1 - Information | Credit | Closing | Borrower 2 Photo ID is expired | Resolved-Borrower 2 photo ID expiration date is 02-01-2034 and note is dated 02-25-2026. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. ID - Buyer-03/23/2026 <br> Open-Borrower 2 photo ID expiration date is 02-01-2026 and note is dated XX/XX/XXXX. - Due Diligence Vendor-03/13/2026 |  | Resolved-Borrower 2 photo ID expiration date is 02-01-2034 and note is dated XX/XX/XXXX. - Due Diligence Vendor-03/25/2026 | XXXX |  |  | TX | Second Home | Purchase | NA | 8105808 | N/A | N/A |
| 508 | XXXX | XXXX |  |  | Closed | 2026-02-14 08:04 | 2026-02-24 14:25 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Resolved-lender provided the COC to shows discount points applied, and Lender credit removed, finding resolved. - Due Diligence Vendor-02/24/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. Please see attached attached the COC detail form for the changes that occurred. The LE issued on 12/22 had a lender credit, but the Initial CD sent on 1/21 was a COC CD for loan changes. <br> - Investor-02/23/2026 <br>Open-A Lender Credit for Excess Charges of ($49.60), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($596.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender Credit was given in LE $596.00. However, there is no COC given for decrease Lender Credit in Initial CD. Hence Mavent is failing for Lender Credit. - Due Diligence Vendor-02/16/2026 <br>Open- - Due Diligence Vendor-02/16/2026 <br>Open- - Due Diligence Vendor-02/16/2026 <br>Open- - Due Diligence Vendor-02/14/2026 |  | Resolved-lender provided the COC to shows discount points applied, and Lender credit removed, finding resolved. - Due Diligence Vendor-02/24/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/24/2026<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 7622260 | N/A | N/A |
| 508 | XXXX | XXXX |  |  | Closed | 2026-02-14 08:04 | 2026-02-24 14:25 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Resolved-lender provided the COC to shows discount points applied and Lender credit removed, finding resolved. - Due Diligence Vendor-02/24/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Please see attached attached the COC detail form for the changes that occurred. The LE issued on 12/22 had a lender credit, but the Initial CD sent on 1/21 was a COC CD for loan changes. <br> - Buyer-02/23/2026 <br> Open-A Lender Credit for Excess Charges of ($49.60), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($596.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender Credit was given in LE $596.00. However, there is no COC given for decrease Lender Credit in Initial CD. Hence Mavent is failing for Lender Credit. - Due Diligence Vendor-02/16/2026 <br> Open- - Due Diligence Vendor-02/16/2026 <br> Open- - Due Diligence Vendor-02/16/2026 <br> Open- - Due Diligence Vendor-02/14/2026 |  | Resolved-lender provided the COC to shows discount points applied and Lender credit removed, finding resolved. - Due Diligence Vendor-02/24/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/24/2026<br>| XXXX |  |  | TX | Primary Residence | Purchase | NA | 7622259 | N/A | N/A |
| 511 | XXXX | XXXX |  |  | Closed | 2026-02-24 05:19 | 2026-02-24 05:19 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 7774631 | Investor Post-Close | No |
| 517 | XXXX | XXXX |  |  | Closed | 2026-02-24 03:27 | 2026-02-24 03:27 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026<br>|  |  |  | NY | Investment | Purchase | NA | 7773727 | Investor Post-Close | No |
| 526 | XXXX | XXXX |  |  | Closed | 2026-02-13 08:02 | 2026-02-19 14:04 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-"What Mortgage Applicants Need to Know pamphlet provided. Finding resolved. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Initial Disclosure including What Mortgage Applicants Need to Know Pamphlet - Buyer-02/18/2026 <br> Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. Missing "What Mortgage Applicants Need to Know" Pamphlet - Due Diligence Vendor-02/13/2026 |  | Resolved-"What Mortgage Applicants Need to Know pamphlet provided. Finding resolved. - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7606671 | N/A | N/A |
| 526 | XXXX | XXXX |  |  | Closed | 2026-02-13 07:58 | 2026-02-19 14:03 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice provided. Finding resolved - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Privacy Notice - Buyer-02/18/2026 <br> Open-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-02/13/2026 |  | Resolved-Privacy Notice provided. Finding resolved - Due Diligence Vendor-02/19/2026 | XXXX |  |  | NY | Primary Residence | Purchase | NA | 7606565 | N/A | N/A |
| 527 | XXXX | XXXX |  |  | Closed | 2026-02-13 11:13 | 2026-02-25 15:19 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Review Guidelines for FHTB- Borrower rents- 12 months 0x0x12, primary residence, and residual income of 2-2500.00 for DTI >43%, Guidelines max 50%. Finding resolved. - Due Diligence Vendor-02/25/2026 <br> Resolved-Audited DTI of 46.99% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/25/2026 <br> Ready for Review-This is incorrect. Our guidelines have no Max DTI on FTHB when the subject is a primary residence, max loan amount of $1.5M and 0x30x12. we meet each of these requirements. <br>The only carve out requiring 43% DTI is when FTB is living rent free for more than 2 months but no more than 12 months prior to application. All sub bullets under that guide must be met only then when living rent free. - Buyer-02/25/2026 <br> Open-Audited DTI of 46.99% exceeds Guideline DTI of 43% Borrower is a FTHB and max DTI as per guideline is 43% for FTHB. - Due Diligence Vendor-02/13/2026 |  | Resolved-Review Guidelines for FHTB- Borrower rents- 12 months 0x0x12, primary residence, and residual income of 2-2500.00 for DTI >43%, Guidelines max 50%. Finding resolved. - Due Diligence Vendor-02/25/2026 <br> Resolved-Audited DTI of 46.99% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/25/2026 |  |  |  | TX | Primary Residence | Purchase | NA | 7611804 | N/A | N/A |
| 531 | XXXX | XXXX |  |  | Closed | 2026-03-06 03:20 | 2026-03-06 03:20 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026<br>|  |  |  | UT | Primary Residence | Purchase | NA | 7964735 | Investor Post-Close | No |
| 532 | XXXX | XXXX |  |  | Closed | 2026-02-16 14:26 | 2026-02-20 15:25 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Resolved-Lender provided COCs needed, Finding resolved. - Due Diligence Vendor-02/20/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see attached COCs from broker. - Buyer-02/19/2026 <br> Counter-Missing COCs from Initial LE dated 01/06/26 lender credit of 1949 change LE 01/12/2026 for the change from Lender credit of 1949 to discount points of 2950 with additional Fee of Investment Home Appraisal Fee of 150.00; missing COC for Appraisal Fee change from 525 to 675 on 01/21/2026; Initial CD Added Lender credit of $500.25 and Final CD change from lender credit of 500.25 to 200.25 with the lender paying credit report of 300.00. Finding remains - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached tolerance comparison showing no cure due. Please advise what COC is needed. - Buyer-02/18/2026 <br> Open- - Due Diligence Vendor-02/16/2026 <br> Open-A Lender Credit for Excess Charges of ($300.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($300.00) were applied to the total fee variance of ($1,973.75) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC missing in file - Due Diligence Vendor-02/16/2026 <br> Open- - Due Diligence Vendor-02/16/2026 |  | Resolved-Lender provided COCs needed, Finding resolved. - Due Diligence Vendor-02/20/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/20/2026<br>| XXXX |  |  | FL | Investment | Purchase | NA | 7639706 | N/A | N/A |
| 532 | XXXX | XXXX |  |  | Closed | 2026-02-16 14:26 | 2026-02-20 15:25 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Resolved-Lender provided COCs needed, Finding resolved. - Due Diligence Vendor-02/20/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see attached COCs. - Investor-02/19/2026 <br> Counter-Missing COCs from Initial LE dated 01/06/26 lender credit of 1949 change LE 01/12/2026 for the change from Lender credit of 1949 to discount points of 2950 with additional Fee of Investment Home Appraisal Fee of 150.00; missing COC for Appraisal Fee change from 525 to 675 on 01/21/2026; Initial CD Added Lender credit of $500.25 and Final CD change from lender credit of 500.25 to 200.25 with the lender paying credit report of 300.00. Finding remains. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached tolerance comparison showing no cure due. Please advise what COC is needed. - Investor-02/18/2026 <br> Open- - Due Diligence Vendor-02/16/2026 <br> Open-A Lender Credit for Excess Charges of ($300.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($300.00) were applied to the total fee variance of ($1,973.75) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC missing in file - Due Diligence Vendor-02/16/2026 <br> Open- - Due Diligence Vendor-02/16/2026 |  | Resolved-Lender provided COCs needed, Finding resolved. - Due Diligence Vendor-02/20/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/20/2026<br>| XXXX |  |  | FL | Investment | Purchase | NA | 7639705 | N/A | N/A |
| 539 | XXXX | XXXX |  |  | Closed | 2026-03-05 07:14 | 2026-03-05 07:14 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/05/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/05/2026<br>|  |  |  | CT | Primary Residence | Purchase | NA | 7940190 | Investor Post-Close | No |
| 545 | XXXX | XXXX |  |  | Closed | 2026-03-17 16:05 | 2026-03-17 16:05 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/17/2026 |  | Acknowledged-S&P RA Only - Value grade 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-03/17/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8164839 | Investor Post-Close | No |
| 546 | XXXX | XXXX |  |  | Closed | 2026-03-13 16:18 | 2026-03-25 14:53 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Notarized occupancy affidavit in file. - Due Diligence Vendor-03/25/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/25/2026 <br>Ready for Review-not valid. Just because the property is investment does not require a Business Purpose affidavit. If the borrower is using the funds for personal use or will be occupying the property more than 14 days, then the business purpose affidavit is not required, and the loan is subject to Reg Z review. The Business Purpose Affidavit is for the purpose of excluding the loan from the Reg Z guidelines due to the borrower not using the funds for personal use or occupying the property - Buyer-03/24/2026 <br>Counter-Per 1003 loan is for investment property. Business affidavit required. Condition remains. - Due Diligence Vendor-03/20/2026 <br>Ready for Review-The business purpose cert is not required when the business purpose box is not checked in the 1003 - Buyer-03/19/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-03/13/2026 |  | Resolved-Notarized occupancy affidavit in file. - Due Diligence Vendor-03/25/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/25/2026<br>|  |  |  | NY | Investment | Refinance | Cash Out - Other | 8107281 | N/A | N/A |
| 547 | XXXX | XXXX |  |  | Closed | 2026-03-19 13:53 | 2026-03-19 13:53 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/19/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/19/2026<br>|  |  |  | MN | Primary Residence | Purchase | NA | 8220873 | Investor Post-Close | No |
| 550 | XXXX | XXXX |  |  | Closed | 2026-03-09 10:57 | 2026-03-25 15:19 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Updated policy, effective 02/17/26 provided. Resolved. - Due Diligence Vendor-03/25/2026 <br> Resolved-Hazard Insurance Effective Date of 02-17-2026 is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please see attached policy. - Buyer-03/24/2026 <br> Open-Hazard Insurance Effective Date of 02-27-2026 is after the Disbursement Date of 02-26-2026 - Due Diligence Vendor-03/09/2026 |  | Resolved-Updated policy, effective 02/17/26 provided. Resolved. - Due Diligence Vendor-03/25/2026 <br> Resolved-Hazard Insurance Effective Date of 02-17-2026 is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/25/2026 | XXXX |  | Hazard Insurance Effective Date of 02-27-2026 is after the Disbursement Date of XX/XX/XXXX | FL | Investment | Purchase | NA | 7999688 | N/A | N/A |
| 551 | XXXX | XXXX |  |  | Closed | 2026-02-14 05:41 | 2026-02-14 05:50 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. y - Due Diligence Vendor-02/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. y - Due Diligence Vendor-02/14/2026<br>|  |  |  | TX | Investment | Purchase | NA | 7622015 | N/A | N/A |
| 553 | XXXX | XXXX |  |  | Closed | 2026-02-06 04:47 | 2026-03-27 10:32 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider received. Condition resolved. - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Document Uploaded. mortgage - Buyer-03/25/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-02/06/2026 |  | Resolved-PUD Rider received. Condition resolved. - Due Diligence Vendor-03/27/2026<br>| XXXX |  |  | NV | Investment | Purchase | NA | 7483882 | N/A | N/A |
| 554 | XXXX | XXXX |  |  | Closed | 2026-02-16 11:31 | 2026-02-26 18:18 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Entity Percentage Ownership | Resolved-Evidence of percentage of ownership provided, condition resolved. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached operating agreement for XXXX. - Buyer-02/26/2026 <br> Counter-The Operating Agreement provided is in the name of XXXX which differs from the borrowing entity on the Note of XXXX. Finding remains - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached operating agreement. - Buyer-02/18/2026 <br> Open-Missing Evidence of Entity Percentage Ownership for each guarantor.<br> Missing Evidence of Entity Percentage Ownership for each guarantor. - Due Diligence Vendor-02/16/2026 |  | Resolved-Evidence of percentage of ownership provided, condition resolved. - Due Diligence Vendor-02/27/2026<br>| XXXX |  |  | NJ | Investment | Purchase | NA | 7634686 | N/A | N/A |
| 568 | XXXX | XXXX |  |  | Closed | 2026-04-22 10:43 | 2026-04-22 11:09 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/22/2026 |  | Acknowledged-S&P RA Only - Value grade 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-04/22/2026<br>|  |  |  | FL | Investment | Purchase | NA | 8820261 | Investor Post-Close | No |
| 572 | XXXX | XXXX |  |  | Closed | 2026-03-09 07:55 | 2026-03-20 09:49 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated 02-12-2026. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. ID - Buyer-03/18/2026 <br> Open-Borrower photo ID expiration date is 02-07-2026 and note is dated XX/XX/XXXX. - Due Diligence Vendor-03/09/2026 |  | Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-03/20/2026 | XXXX |  |  | HI | Investment | Purchase | NA | 7993859 | N/A | N/A |
| 579 | XXXX | XXXX |  |  | Closed | 2026-03-10 14:37 | 2026-03-23 06:35 | Resolved | 1 - Information | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document received, finding resolved - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. CD for XX - Buyer-03/19/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Cash to close is coming from another transaction per lender asset sheet in the file. The Final CD is missing to confirm the amount of cash received from the other transaction. - Due Diligence Vendor-03/10/2026 |  | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/23/2026<br>| XXXX |  |  | FL | Investment | Purchase | NA | 8029237 | N/A | N/A |
| 595 | XXXX | XXXX |  |  | Closed | 2026-03-06 16:20 | 2026-03-23 06:52 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Documentation provided, finding resolved - Due Diligence Vendor-03/23/2026 <br>Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. Please see attached worksheet and bank statements. - Investor-03/19/2026 <br>Open-Insufficient asset documentation in file - assets do not cover closing costs. Lender asset worksheet on page 258 however assets are missing from the file. - Due Diligence Vendor-03/06/2026 |  | Resolved-Documentation provided, finding resolved - Due Diligence Vendor-03/23/2026 <br>Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-03/23/2026<br>| XXXX |  |  | WA | Investment | Refinance | No Cash Out - Borrower Initiated | 7980734 | N/A | N/A |
| 595 | XXXX | XXXX |  |  | Closed | 2026-03-06 16:20 | 2026-03-23 06:52 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Documentation provided, finding resolved - Due Diligence Vendor-03/23/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $76268.43 is equal to or greater than Total Required Reserve Amount of $15293.88 - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. Please see attached worksheet and bank statements. - Investor-03/19/2026 <br>Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $15293.88 Lender asset worksheet on page 258 however assets are missing from the file. - Due Diligence Vendor-03/15/2026 |  | Resolved-Documentation provided, finding resolved - Due Diligence Vendor-03/23/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $76268.43 is equal to or greater than Total Required Reserve Amount of $15293.88 - Due Diligence Vendor-03/23/2026<br>| XXXX |  |  | WA | Investment | Refinance | No Cash Out - Borrower Initiated | 7980733 | N/A | N/A |
| 595 | XXXX | XXXX |  |  | Closed | 2026-03-06 16:28 | 2026-03-23 06:52 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Documentation provided, finding resolved - Due Diligence Vendor-03/23/2026 <br>Resolved-Audited Reserves of 29.92 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/23/2026 <br>Ready for Review-Document Uploaded. Please see attached worksheet and bank statements. - Investor-03/19/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Lender asset worksheet on page 258 however assets are missing from the file. - Due Diligence Vendor-03/06/2026 |  | Resolved-Documentation provided, finding resolved - Due Diligence Vendor-03/23/2026 <br>Resolved-Audited Reserves of 29.92 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/23/2026<br>| XXXX |  |  | WA | Investment | Refinance | No Cash Out - Borrower Initiated | 7980823 | N/A | N/A |
| 595 | XXXX | XXXX |  |  | Closed | 2026-03-06 15:15 | 2026-03-20 09:52 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please see attached copy of current ID. - Seller-03/18/2026 <br> Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. Please see attached copy of current ID. - Seller-03/18/2026<br>| Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-03/20/2026 | XXXX |  |  | WA | Investment | Refinance | No Cash Out - Borrower Initiated | 7979791 | N/A | N/A |
| 603 | XXXX | XXXX |  |  | Closed | 2026-03-23 07:15 | 2026-03-27 09:47 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Document Uploaded. Please see attached business purpose certificate. - Buyer-03/26/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit document is missing. - Due Diligence Vendor-03/23/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/27/2026<br>| XXXX |  |  | WA | Investment | Refinance | Cash Out - Other | 8261903 | N/A | N/A |
| 604 | XXXX | XXXX |  |  | Closed | 2026-03-10 12:25 | 2026-03-14 16:14 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $100000 , Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-03/10/2026 |  | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $100000 , Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-03/10/2026 |  |  | FICO :724<br> Minimum DSCR: 1.10<br> Maximum LTV: 75<br> Minimum reserves :13,000 | TX | Investment | Refinance | Cash Out - Other | 8025569 | Originator Pre-Close | Yes |
| 605 | XXXX | XXXX |  |  | Closed | 2026-03-22 09:45 | 2026-03-27 09:52 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-03/26/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit document is missing. - Due Diligence Vendor-03/22/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/27/2026<br>| XXXX |  |  | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 8253847 | N/A | N/A |
| 614 | XXXX | XXXX |  |  | Closed | 2026-02-18 10:47 | 2026-02-18 10:47 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade 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-02/18/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade 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-02/18/2026<br>|  |  |  | GA | Primary Residence | Purchase | NA | 7679993 | Investor Post-Close | No |
| 620 | XXXX | XXXX |  |  | Closed | 2026-03-08 12:59 | 2026-03-23 07:03 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document received, finding resolved - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. XXXX is a single member LLC taxed as a disregarded entity by the IRS, a completed W9 form is permitted per the guidelines to document the TIN for the entity. - Buyer-03/20/2026 <br> Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-03/08/2026 |  | Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-03/23/2026<br>| XXXX |  |  | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | 7987202 | N/A | N/A |
| 621 | XXXX | XXXX |  |  | Closed | 2026-02-13 12:50 | 2026-02-18 17:22 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-H06 Policy provided, Finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. hoi - Buyer-02/18/2026 <br>Open-Missing Hazard Insurance Policy Hazard policy is missing for subject property - Due Diligence Vendor-02/13/2026 |  | Resolved-H06 Policy provided, Finding resolved. - Due Diligence Vendor-02/18/2026 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/18/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7615108 | N/A | N/A |
| 632 | XXXX | XXXX |  |  | Closed | 2026-03-16 13:16 | 2026-03-16 13:16 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/16/2026 |  | Acknowledged-S&P RA Only - Value grade 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-03/16/2026<br>|  |  |  | PA | Investment | Purchase | NA | 8133536 | Investor Post-Close | No |
| 640 | XXXX | XXXX |  |  | Closed | 2026-02-24 01:58 | 2026-02-24 01:58 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/24/2026 |  | Acknowledged-S&P RA Only - Value grade 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-02/24/2026<br>|  |  |  | HI | Primary Residence | Purchase | NA | 7773369 | Investor Post-Close | No |
| 646 | XXXX | XXXX |  |  | Closed | 2026-03-05 11:12 | 2026-03-16 18:50 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Credit report verifies mortgage history as required per lender guidelines. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-The mortgage with XX (secured by primary) is reporting on credit. The credit report is dated 12.5.25. The loan closed 2.6.26. The credit report is not expired. There is not a guideline for SMART loans that requires updated mortgage history through the closing date. - Buyer-03/13/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Mortgage (VOM) Document is incomplete, Mortgage history missing for (Primary) Dec and Jan. - Due Diligence Vendor-03/05/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/16/2026 |  |  |  | NY | Investment | Purchase | NA | 7947950 | N/A | N/A |
| 652 | XXXX | XXXX |  |  | Closed | 2026-03-15 17:10 | 2026-03-20 09:56 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-CDA provided - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. Please see attached CDA. - Buyer-03/18/2026 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. According to the lender Matrix a CDA or CCA from an acceptable vendor per the Matrix is required. Missing a valid secondary valuation. - Due Diligence Vendor-03/15/2026 |  | Resolved-CDA provided - Due Diligence Vendor-03/20/2026<br>| XXXX |  |  | OR | Investment | Refinance | No Cash Out - Borrower Initiated | 8117975 | N/A | N/A |
| 659 | XXXX | XXXX |  |  | Closed | 2026-03-10 13:45 | 2026-03-10 13:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/10/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/10/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8028227 | Investor Post-Close | No |
| 660 | XXXX | XXXX |  |  | Closed | 2026-03-22 13:14 | 2026-03-27 10:05 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-03/27/2026 <br>Ready for Review-Document Uploaded. Page 2 of the note is attached and what is missing from you - Buyer-03/26/2026 <br>Open-The Note is Incomplete since 3rd Page of Note document is missing. - Due Diligence Vendor-03/22/2026 |  | Resolved-The Note is Present - Due Diligence Vendor-03/27/2026<br>| XXXX |  |  | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 8254053 | N/A | N/A |
| 661 | XXXX | XXXX |  |  | Closed | 2026-02-11 17:07 | 2026-03-20 17:03 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Received updated guidance and clarification to guidelines: Keep in mind that the Good Standing is NOT a credit document, it's a verification of the LLC. We require verification that the business is in good standing at time of underwriting, which can be a secretary of state print out. Received Secretary of State printout. Finding Resolved. - Due Diligence Vendor-03/20/2026 <br> Counter-Document Uploaded. - Due Diligence Vendor-03/10/2026 <br> Counter-The document submitted is a duplicate doc previously provided. The doc is dated 8/12/2025 and the Note date was 1/13/2026 which exceeds the maximum of 120 days allowed. Finding remains - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Per response from title company - "That is the only Good Standing Certificate we have. Title accepts them within 6 months of closing. "<br> - Investor-02/17/2026 <br> Open-Evidence of Good Standing in file is dated 08-12-2025 and note is dated XX/XX/XXXX. Document age of days exceeds guidelines. Evidence of Good Standing in file is dated 08-12-2025 and note is dated XX/XX/XXXX. Document age of 154 days exceeds guidelines. - Due Diligence Vendor-02/11/2026 |  | Resolved-Received updated guidance and clarification to guidelines: Keep in mind that the Good Standing is NOT a credit document, it's a verification of the LLC. We require verification that the business is in good standing at time of underwriting, which can be a secretary of state print out. Received Secretary of State printout. Finding Resolved. - Due Diligence Vendor-03/20/2026<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 7571027 | N/A | N/A |
| 661 | XXXX | XXXX |  |  | Closed | 2026-01-22 13:51 | 2026-02-11 17:09 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing was received; however, the document age of 154 days exceeds maximum 120 days allowed. - Due Diligence Vendor-02/11/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. Please see attached additional document for Good Standing - Investor-02/11/2026 <br>Counter-Evidence of Good Standing document provided is not dated. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. Please see uploaded Good Standing documentation - Investor-02/04/2026 <br>Open-Missing Evidence of Good Standing. - Due Diligence Vendor-01/22/2026 |  | Resolved-Evidence of Good Standing was received; however, the document age of 154 days exceeds maximum 120 days allowed. - Due Diligence Vendor-02/11/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 7252537 | N/A | N/A |
| 661 | XXXX | XXXX |  |  | Closed | 2026-01-30 13:37 | 2026-02-11 13:34 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Operating Agreement received, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. Please see uploaded Operating Agreement - Seller-02/04/2026 <br>Open-The loan file is missing an operating agreement or other documentation to verify ownership. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. Please see uploaded Operating Agreement - Seller-02/04/2026<br>| Resolved-Operating Agreement received, finding resolved. - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 7380983 | N/A | N/A |
| 661 | XXXX | XXXX |  |  | Closed | 2026-01-22 12:50 | 2026-02-11 13:30 | Resolved | 1 - Information | Compliance | Closing | The Note is Not Executed | Resolved-Copy of signed Note received, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Resolved-The Note is Executed - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. Please see uploaded signed Note - Investor-02/04/2026 <br>Open-The Note is Not Executed by the borrower - Due Diligence Vendor-01/22/2026 |  | Resolved-Copy of signed Note received, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Resolved-The Note is Executed - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | NY | Investment | Refinance | Cash Out - Other | 7250860 | N/A | N/A |
| 662 | XXXX | XXXX |  |  | Closed | 2026-03-20 15:40 | 2026-03-20 15:40 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026<br>|  |  |  | NV | Investment | Refinance | No Cash Out - Borrower Initiated | 8248540 | Originator Post-Close | Yes |
| 665 | XXXX | XXXX |  |  | Closed | 2026-02-20 09:20 | 2026-02-20 09:20 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/20/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/20/2026<br>|  |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 7720631 | Investor Post-Close | No |
| 667 | XXXX | XXXX |  |  | Closed | 2026-03-20 09:33 | 2026-03-20 09:33 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026<br>|  |  |  | FL | Second Home | Purchase | NA | 8236597 | Investor Post-Close | No |
| 673 | XXXX | XXXX |  |  | Closed | 2026-02-25 22:08 | 2026-02-25 22:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/26/2026 |  | Acknowledged-S&P RA Only - Value grade 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-02/26/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 7815022 | Investor Post-Close | No |
| 685 | XXXX | XXXX |  |  | Closed | 2026-01-15 11:31 | 2026-02-11 14:43 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Valid photo ID received, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. updated id - Buyer-02/06/2026 <br> Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-01/15/2026 |  | Resolved-Valid photo ID received, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/11/2026 | XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 7115089 | N/A | N/A |
| 691 | XXXX | XXXX |  |  | Closed | 2026-03-16 20:55 | 2026-03-20 11:41 | Resolved | 1 - Information | Compliance | Disclosure | HPML: Delivery of Appraisal/Valuation to Applicant Not Timely | Resolved-Received appraisal delivery dated at least 3 days prior to consummation. Condition resolved. - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. appraisal delivery - Buyer-03/19/2026 <br>Open-HPML Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely - Due Diligence Vendor-03/17/2026 |  | Resolved-Received appraisal delivery dated at least 3 days prior to consummation. Condition resolved. - Due Diligence Vendor-03/20/2026<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 8141513 | N/A | N/A |
| 692 | XXXX | XXXX |  |  | Closed | 2026-04-21 16:11 | 2026-04-21 16:11 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/21/2026 |  | Acknowledged-S&P RA Only - Value grade 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-04/21/2026 |  |  |  | NJ | Investment | Refinance | Cash Out - Other | 8805105 | Investor Post-Close | No |
| 703 | XXXX | XXXX |  |  | Closed | 2026-02-23 10:17 | 2026-03-19 11:35 | Resolved | 1 - Information | Credit | Missing Doc | Missing Rental Income Documentation for REO | Resolved-Received #XXXX: Final CD and HOI. #XXXX Final CD, appraisal provided taxes/proof no HOA and HOI declaration. Condition resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. CDs for other properties - Buyer-03/18/2026 <br> Counter-XXXX XXXX-received Tax verification and proof no HOA per appraisal. Lender states new concurrent closing. Provide final CD from recent closing and evidence of insurance amount if not escrowed. XXXX- received 1008, tax and insurance amounts, and proof no HOA per appraisal. Lender states new concurrent closing. Provide final CD from recent closing (1008 is not sufficient). Additional conditions may apply after final PITI for both properties is determined. <br> - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Mortgage statements (N/A – loans were concurrent closes; 1008 uploaded to support payments), hazard insurance and property tax uploaded, and HOA (N/A per appraisals) for XXXX and REO 3D (XXXX). - Buyer-03/17/2026 <br> Counter-Please provide Mortgage statements, Hazard insurance, property taxes and HO documentation for B1 REO 3d (XXXX) and REO 3d (5XXXX) showing on B1 application continuation sheets. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Please provide documentation for B1 REO 3d (XXXX) and REO 3d (XXXX) showing on B1 application continuation sheets. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Please provide clarification on the income you are asking about. - Buyer-03/10/2026 <br> Open-Missing Rental Income Documentation for REO listed on the application. Rental calculations document are missing for Income 4 and 6. - Due Diligence Vendor-02/23/2026 |  | Resolved-Received #XXXX: Final CD and HOI. #XXXX Final CD, appraisal provided taxes/proof no HOA and HOI declaration. Condition resolved. - Due Diligence Vendor-03/19/2026 | XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 7757110 | N/A | N/A |
| 704 | XXXX | XXXX |  |  | Closed | 2026-02-12 09:06 | 2026-02-12 11:00 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-02/12/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged - Due Diligence Vendor-02/12/2026<br>|  |  |  | CT | Primary Residence | Refinance | Cash Out - Other | 7582833 | Investor Post-Close | No |
| 704 | XXXX | XXXX |  |  | Closed | 2026-02-12 09:06 | 2026-02-12 11:00 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. Acknowledged - Due Diligence Vendor-02/12/2026 |  | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. Acknowledged - Due Diligence Vendor-02/12/2026<br>|  |  |  | CT | Primary Residence | Refinance | Cash Out - Other | 7582834 | Investor Post-Close | No |
| 727 | XXXX | XXXX |  |  | Closed | 2026-02-18 13:12 | 2026-03-19 10:01 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Hazard Insurance Coverage Amount of $ is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached master policy. - Buyer-03/17/2026 <br> Counter-Lender indicates master. A Master insurance policy for the subject is missing. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-master - Buyer-03/16/2026 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Total Amount of Subject Lien(s) of $XXXX - Due Diligence Vendor-02/18/2026 |  | Resolved-Hazard Insurance Coverage Amount of $ is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-03/19/2026<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 7683202 | N/A | N/A |
| 727 | XXXX | XXXX |  |  | Closed | 2026-02-23 14:52 | 2026-02-26 17:13 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided, condition resolved. - Due Diligence Vendor-02/26/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Please see attached Business Purpose Affidavit. - Investor-02/24/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-02/23/2026 |  | Resolved-Business Purpose Affidavit provided, condition resolved. - Due Diligence Vendor-02/26/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-02/26/2026<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 7764460 | N/A | N/A |
| 727 | XXXX | XXXX |  |  | Closed | 2026-02-23 14:48 | 2026-02-26 17:11 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Prepayment Penalty Addendum to the Note provided, condition resolved. - Due Diligence Vendor-02/26/2026 <br>Resolved-The Note is Present - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Please see attached prepayment addendum to Note. - Buyer-02/24/2026 <br>Open-The Note is Incomplete Missing Prepayment Penalty Addendum to the Note - Due Diligence Vendor-02/23/2026 |  | Resolved-Prepayment Penalty Addendum to the Note provided, condition resolved. - Due Diligence Vendor-02/26/2026 <br>Resolved-The Note is Present - Due Diligence Vendor-02/26/2026<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 7764422 | N/A | N/A |
| 731 | XXXX | XXXX |  |  | Closed | 2026-02-14 07:24 | 2026-03-18 10:56 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of 01-06-2026 is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. HOI - Buyer-03/17/2026 <br> Open-Hazard Insurance Effective Date of 01-08-2026 is after the Disbursement Date of 01-06-2026 Hazard Insurance Effective Date is updated as per document. Page #458-459. - Due Diligence Vendor-02/14/2026 |  | Resolved-Hazard Insurance Effective Date of 01-06-2026 is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/18/2026 | XXXX |  |  | CA | Investment | Purchase | NA | 7622164 | N/A | N/A |
| 731 | XXXX | XXXX |  |  | Closed | 2026-02-14 08:41 | 2026-02-14 08:41 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/14/2026<br>|  |  |  | CA | Investment | Purchase | NA | 7622335 | Investor Post-Close | No |
| 752 | XXXX | XXXX |  |  | Closed | 2026-04-20 11:13 | 2026-04-20 11:13 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/20/2026 |  | Acknowledged-S&P RA Only - Value grade 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-04/20/2026<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 8772651 | Investor Post-Close | No |
| 753 | XXXX | XXXX |  |  | Closed | 2026-02-18 13:48 | 2026-02-18 13:48 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements An exception was granted to waive REO tracking for 28 mortgages appearing on Drive REO and MERS but not on the credit report. Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/18/2026 |  | Waived-Housing History Does Not Meet Guideline Requirements An exception was granted to waive REO tracking for 28 mortgages appearing on Drive REO and MERS but not on the credit report. Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-02/18/2026<br>|  |  | Minimum Fico: 789<br> Maximum DTI: .50 DSCR min<br> Maximum LTV:70<br> Minimum Reserves: $200,000 | AZ | Investment | Purchase | NA | 7683895 | Originator Pre-Close | Yes |
| 762 | XXXX | XXXX |  |  | Closed | 2026-03-16 07:01 | 2026-03-16 07:01 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Secondary valuation is within Tolerance. - Due Diligence Vendor-03/16/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Secondary valuation is within Tolerance. - Due Diligence Vendor-03/16/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 8122459 | Investor Post-Close | No |
| 775 | XXXX | XXXX |  |  | Closed | 2026-03-20 09:02 | 2026-03-20 09:02 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026<br>|  |  |  | MI | Investment | Refinance | Cash Out - Other | 8235634 | Investor Post-Close | No |
| 776 | XXXX | XXXX |  |  | Closed | 2026-03-05 07:59 | 2026-03-19 10:48 | Resolved | 1 - Information | Compliance | State Reg | TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender | Resolved-Acknowledgment of Fair Market Value received. Condition resolved. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. TX Fair Market - Buyer-03/18/2026 <br>Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender. Acknowledgment of Fair Market Value disclosure is missing - Due Diligence Vendor-03/05/2026 |  | Resolved-Acknowledgment of Fair Market Value received. Condition resolved. - Due Diligence Vendor-03/19/2026<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7941403 | N/A | N/A |
| 776 | XXXX | XXXX |  |  | Closed | 2026-03-05 07:59 | 2026-03-19 10:48 | Resolved | 1 - Information | Compliance | Disclosure | TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing | Resolved-Acknowledgment of Fair Market Value received. Condition resolved. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. TX Fair Market - Buyer-03/18/2026 <br>Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing. Acknowledgment of Fair Market Value disclosure is missing - Due Diligence Vendor-03/05/2026 |  | Resolved-Acknowledgment of Fair Market Value received. Condition resolved. - Due Diligence Vendor-03/19/2026<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7941404 | N/A | N/A |
| 783 | XXXX | XXXX |  |  | Closed | 2026-02-13 13:11 | 2026-02-19 07:47 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-What Mortgage Applicants Need to Know Pamphlet received, Finding resolved. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. initial docs - Buyer-02/18/2026 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. - Due Diligence Vendor-02/13/2026 |  | Resolved-What Mortgage Applicants Need to Know Pamphlet received, Finding resolved. - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7615647 | N/A | N/A |
| 783 | XXXX | XXXX |  |  | Closed | 2026-02-13 14:06 | 2026-02-19 07:46 | Resolved | 1 - Information | Compliance | Mavent | NY Fee Not Allowed- Municipal Lien Fee (Fee ID: 178) | Resolved-Review fees charged on the Final Closing Disclosure, change fee from Municipal Lien Fee to Search fee, Finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/19/2026 <br>Ready for Review-The finding states Invalid Finding. Please advise if anything else is needed - Buyer-02/18/2026 <br>Open-New York law does not allow Municipal Lien Fee (Fee ID: 178) to be charged to the Borrower, Seller, Originator, Lender or Other in NY. Invalid Finding. Finding Rescinded. Data Validated. - Due Diligence Vendor-02/13/2026 <br>Open- - Due Diligence Vendor-02/14/2026 <br>Open- - Due Diligence Vendor-02/13/2026 <br>Open- - Due Diligence Vendor-02/13/2026 |  | Resolved-Review fees charged on the Final Closing Disclosure, change fee from Municipal Lien Fee to Search fee, Finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/19/2026<br>|  |  |  | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7616795 | N/A | N/A |
| 790 | XXXX | XXXX |  |  | Closed | 2026-02-13 08:22 | 2026-02-20 14:59 | Resolved | 1 - Information | Compliance | Mavent | Late: Amount | Resolved-Re-ran Mavent, finding resolved. - Due Diligence Vendor-02/20/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Response from Compliance: Our 5% late fee is less than the maximum of 10% allowed by law, as the law states we are allowed to charge the greater of 10% or $5. - Buyer-02/19/2026 <br>Open-The ($428.91) late fee amount, the (5.0%) late fee percent, or the ($428.91) maximum late fee amount exceed the threshold. Under the California Real Estate Law, a late fee cannot exceed the greater of 10% of the installment due that is attributable to principal and interest or $5. (Cal. Bus. & Prof. Code 10242.5) Updated as per Note - Due Diligence Vendor-02/14/2026 <br>Open- - Due Diligence Vendor-02/13/2026 |  | Resolved-Re-ran Mavent, finding resolved. - Due Diligence Vendor-02/20/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/20/2026<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7607134 | N/A | N/A |
| 790 | XXXX | XXXX |  |  | Closed | 2026-02-13 08:53 | 2026-02-13 08:53 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/13/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/13/2026<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7607915 | Investor Post-Close | No |
| 795 | XXXX | XXXX |  |  | Closed | 2026-03-20 13:45 | 2026-03-20 13:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/20/2026<br>|  |  |  | LA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8245886 | Investor Post-Close | No |
| 922 | XXXX | XXXX |  |  | Closed | 2026-03-20 13:39 | 2026-03-23 16:23 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Lender provided documentation correcting the finance charges. - Due Diligence Vendor-03/23/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/23/2026 <br> Ready for Review-The disclosed finance charge ($XX) is ($547.00) below the actual finance charge($XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) . - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/23/2026 <br> Open- - Due Diligence Vendor-03/23/2026 <br> Open-The disclosed finance charge ($XX) is ($147.00) below the actual finance charge($XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The disclosed finance charge ($XX) is ($147.00) below the actual finance charge($XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/20/2026 <br> Open- - Due Diligence Vendor-03/20/2026 |  | Resolved-Lender provided documentation correcting the finance charges. - Due Diligence Vendor-03/23/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/23/2026<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 8245754 | N/A | N/A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 4 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 73.72 | 73.71 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 4 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 73.72 | 73.71 | Audit Value of Subject Lien / Qualifying Value |
| 15 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 66.99 | 70.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 15 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 66.99 | 70.00 | Audit Value of Subject Lien / Qualifying Value |
| 20 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Single Family Detached | Two to Four Unit | Audit Value Pulled From Appraisal. |
| 23 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 62.31 | 62.30 | Audit Value of Subject Lien / Qualifying Value |
| 23 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 62.31 | 62.30 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 26 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Single Family Detached | PUD | Audit Value Pulled From Appraisal. |
| 26 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 58.15 | 58.14 | Enter "Rounding" if the difference is 0.01% |
| 26 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 58.15 | 58.14 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 32 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Single Family Detached | PUD | Audit Value Pulled From Appraisal. |
| 42 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 37.78 | 37.77 | Audit Value of Subject Lien / Qualifying Value |
| 42 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 37.78 | 37.77 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 47 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 77.19 | 77.18 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 47 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 77.19 | 77.18 | Audit Value of Subject Lien / Qualifying Value |
| 63 | XXXX |  |  | XXXX | Prepayment Penalty Total Term | notePage | 12 | 24 | Audit Value Pulled From Note / PPP Addendum. |
| 66 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 48.89 | 48.88 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 66 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 48.89 | 48.88 | Audit Value of Subject Lien / Qualifying Value |
| 69 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 20 | 19.35 | Audit Value of Subject Lien / Qualifying Value |
| 69 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 20 | 19.35 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 71 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit Value Pulled From Appraisal. |
| 83 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 57.51 | 0.58 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 103 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 72.95 | 0.73 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 107 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 69.04 | 69.03 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 107 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 69.04 | 69.03 | Audit Value of Subject Lien / Qualifying Value |
| 115 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 64.29 | 64.28 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 115 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 64.29 | 64.28 | Audit Value of Subject Lien / Qualifying Value |
| 116 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 116 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 64.29 | 64.28 | Subjected housing expenses is $1480, lender considered as $1473.30 hence variance. |
| 116 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 64.29 | 64.28 | Subjected housing expenses is $1480, lender considered as $1473.30 hence variance. |
| 120 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit value pulled from appraisal |
| 125 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 36.36 | 0.36 | Audit Value Pulled From Appraisal. |
| 126 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 33.55 | 0.34 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 140 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit value pulled from appraisal report |
| 141 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 18.94 | 0.19 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 144 | XXXX |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Audit Value Verified on Purchase Contract / Final CD. |
| 144 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 77.73 | 75.00 | Audit Value of Subject Lien / Qualifying Value |
| 144 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 77.73 | 75.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 149 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Single Family Detached | Condominium | Audit Value Pulled From Appraisal. |
| 175 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 71.43 | 0.71 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 182 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 44.44 | 0.44 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 188 | XXXX |  |  | XXXX | Qualifying Amortization Term | notePage | 0 | 360 | Audit Value Pulled From Note. |
| 213 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 66.46 | 0.66 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 218 | XXXX |  |  | XXXX | Property City | notePage | XXXX | XXXX | Audit Value Pulled From Note. |
| 229 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from documents 1025 Appraisal in the loan file. |
| 231 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 241 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 248 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 251 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 254 | XXXX |  |  | XXXX | Qualifying Amortization Term | notePage | 0 | 360 | Audit Value Pulled From Note |
| 259 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 78.13 | 75.00 | Audit Value of Subject Lien / Qualifying Value |
| 259 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 78.13 | 75.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 259 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 259 | XXXX |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Audit Value Verified on Purchase Contract / Final CD. |
| 263 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 72.98 | 0.73 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 263 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Cooperative | 2 | Audit Value Pulled From Appraisal. |
| 274 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 279 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 284 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 285 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Audit value pulled from appraisal report |
| 286 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 65.45 | 65.46 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 286 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 65.45 | 65.46 | Audit Value of Subject Lien / Qualifying Value |
| 290 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 295 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 298 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 322 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 74.07 | 0.74 | Audit Value of Subject Lien / Qualifying Value |
| 329 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 77.68 | 75.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 329 | XXXX |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Audit Value Verified on Purchase Contract / Final CD. |
| 329 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 77.68 | 75.00 | Audit Value of Subject Lien / Qualifying Value |
| 330 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit value pulled from appraisal report |
| 336 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 32.63 | 0.33 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 350 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 355 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 367 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from 1025 Appraisal document. |
| 370 | XXXX |  |  | XXXX | Qualifying Amortization Term | notePage | 0 | 360 | Audit Value Pulled From Note. |
| 374 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit value pulled from Appraisal. |
| 379 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 392 | XXXX |  |  | XXXX | Loan Purpose | the1003Page | Purchase | Other | Audit Value Pulled From Final 1003. |
| 392 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 392 | XXXX |  |  | XXXX | Interest Rate | notePage | 7.5 | 750.0000 | Audit Value Pulled From Note. |
| 397 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 79.98 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 397 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 79.98 | 80.00 | Audit Value of Subject Lien / Qualifying Value |
| 421 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 430 | XXXX |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Audit Value Verified on Purchase Contract / Final CD. |
| 442 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 444 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 453 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 82.64 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 453 | XXXX |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Audit Value Verified on Purchase Contract / Final CD. |
| 453 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 82.64 | 80.00 | Audit Value of Subject Lien / Qualifying Value |
| 453 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 466 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit Value Pulled From Appraisal. |
| 473 | XXXX |  |  | XXXX | Qualifying Amortization Term | notePage | 0 | 360 | Audit value pulled from documents located in the loan file. |
| 476 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 488 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 492 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal. |
| 495 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal |
| 510 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 512 | XXXX |  |  | XXXX | Qualifying Amortization Term | notePage | 0 | 360 | Audit Value Pulled From Note |
| 516 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 518 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 518 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 82.42 | 80.00 | Audit Value Pulled From Appraisal. |
| 518 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 82.42 | 80.00 | Audit Value Pulled From Appraisal. |
| 519 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 535 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 535 | XXXX |  |  | XXXX | Qualifying Amortization Term | notePage | 0 | 360 | Audit Value Pulled From Note |
| 537 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 542 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 544 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 548 | XXXX |  |  | XXXX | Qualifying Amortization Term | notePage | 0 | 360 | Audit Data Pulled from NOTE |
| 553 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| 560 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from 1025 Appraisal document. |
| 583 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 59.97 | 59.98 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 583 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 59.97 | 59.98 | Audit Value of Subject Lien / Qualifying Value |
| 584 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal. |
| 598 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 603 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 605 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit Value Pulled From Appraisal. |
| 609 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 619 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 622 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 636 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 68.85 | 70.00 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 636 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 68.85 | 70.00 | Audit Value of Subject Lien / Qualifying Value. |
| 641 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal |
| 645 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 649 | XXXX |  |  | XXXX | Property Zip Code | notePage | XXXX | XXXX | Audit Value Pulled From Appraisal. |
| 658 | XXXX |  |  | XXXX | Prepayment Penalty Total Term | notePage | 12 | 24 | Audit value pulled from Note. |
| 658 | XXXX |  |  | XXXX | Qualifying Amortization Term | notePage | 0 | 360 | Audit Value Pulled From Note |
| 660 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit value pulled from documents located in the loan file. |
| 661 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 682 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 688 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 699 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal |
| 701 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from appraisal. |
| 707 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 723 | XXXX |  |  | XXXX | Qualifying Amortization Term | notePage | 0 | 360 | Audit Value Pulled From Note<br>|
| 724 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 81.18 | 80.00 | Audit value of subject lien/qualifying value. |
| 724 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 731 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 743 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 759 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 77.48 | 74.53 | Audit Value of Subject Lien / Qualifying Value |
| 759 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 77.48 | 74.53 | Audit value of 1st lien+2nd lien/qualifying value |
| 760 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 763 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 773 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 782 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from appraisal. |
| 783 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 51.95 | 51.96 | Rounding. |
| 783 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 51.95 | 51.96 | Rounding. |
| 788 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 789 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal Report. |
| 792 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 806 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit value pulled From Appraisal. |
| 922 | XXXX |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.25 | 36.24 | DTI difference is less than 1% and within lender tolerance.  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 6**

---

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| Marketing ID | Loan ID | Seller Loan ID | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM 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? |
| 1 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38827.2 | N/A | Employed |  | No |  | No |  |
| 3 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.286 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22260.18 | N/A | Employed | Employed | No | No | No |  |
| 4 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.063 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43107.82 | N/A | Employed |  | No |  | No |  |
| 7 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 9 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 11 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 12 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 13 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.783 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 109436.68 | N/A | Employed | Not Employed | No | No | No |  |
| 15 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 16 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15099.08 | N/A | Employed |  | No |  | Yes | Present |
| 17 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.526 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 66513.26 | N/A | Employed |  | No |  | No |  |
| 18 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 19 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.451 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11564.07 | N/A | Employed |  | No |  | No |  |
| 20 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 21 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.295 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28298.98 | N/A | Employed |  | No |  | No |  |
| 22 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.57 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7384.18 | N/A | Employed |  | No |  | No |  |
| 23 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.55 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 68592.87 | N/A | Employed |  | No |  | No |  |
| 24 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 68237.06 | N/A | Employed |  | No |  | Yes | Present |
| 25 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.117 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 52736.7 | N/A | Employed | Employed | No | No | No |  |
| 26 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.098 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4610.43 | N/A | Employed |  | No |  | No |  |
| 29 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.438 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38973.85 | N/A | Employed | Employed | No | No | No |  |
| 31 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.429 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 58794.78 | N/A | Employed |  | No |  | No |  |
| 32 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 248680.03 | N/A | Employed | Not Employed | No | No | No |  |
| 34 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 35 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.679 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32199.82 | N/A | Employed | Employed | No | No | No |  |
| 37 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 38 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 39 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 40 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.252 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5837.28 | N/A | Retired |  | No |  | No |  |
| 41 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 42 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.352 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2852.97 | N/A | Employed |  | No |  | No |  |
| 43 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.299 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12278.85 | N/A | Employed | Employed | No | No | No |  |
| 44 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 45 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 47 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.554 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24509.33 | N/A | Employed | Not Employed | No | No | No |  |
| 50 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.847 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22090.19 | N/A | Employed |  | No |  | No |  |
| 51 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 53 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15456.73 | N/A | Employed |  | No |  | Yes | Present |
| 55 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 56 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.885 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10016.25 | N/A | Employed |  | No |  | No |  |
| 58 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.646 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11674.78 | N/A | Employed | Employed | No | No | No |  |
| 59 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.81 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3990.44 | N/A | Retired |  | No |  | No |  |
| 62 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 63 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 66 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 1171.87 | N/A | Employed |  | No |  | Yes | Present |
| 67 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.108 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25967.71 | N/A | Employed | Not Employed | No | No | No |  |
| 68 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.133 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39299.94 | N/A | Employed | Employed | No | No | No |  |
| 69 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.603 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20229.09 | N/A | Retired | Employed | No | No | No |  |
| 71 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 75 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11139.38 | N/A | Employed | Unknown | No | No | Yes | Present |
| 78 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 79 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.894 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 53189.44 | N/A | Employed | Not Employed | No | No | No |  |
| 80 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 81 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.922 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8162.92 | N/A | Employed | Retired | No | No | No |  |
| 83 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.908 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11432.33 | N/A | Employed |  | No |  | No |  |
| 87 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 91 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 94 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 96 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 100 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 59894.99 | N/A | Employed | Employed | No | No | Yes | Present |
| 101 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.522 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3062.22 | N/A | Not Employed |  | No |  | No |  |
| 102 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 103 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 104 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.61 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24175.9 | N/A | Employed | Not Employed | No | No | No |  |
| 106 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.962 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 139535.43 | N/A | Employed |  | No |  | No |  |
| 107 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.79 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51842.49 | N/A | Employed |  | No |  | No |  |
| 108 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.388 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34630.1 | N/A | Employed |  | No |  | No |  |
| 109 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 110 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.06 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13361.46 | N/A | Employed |  | No |  | No |  |
| 111 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.514 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4544.73 | N/A | Employed |  | No |  | No |  |
| 112 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.721 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42432.09 | N/A | Employed | Employed | No | No | No |  |
| 115 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.775 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22053.65 | N/A | Employed | Employed | No | No | No |  |
| 116 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.114 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27723.47 | N/A | Employed |  | No |  | No |  |
| 117 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18790.83 | N/A | Employed | Employed | No | No | Yes | Present |
| 119 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.528 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| 120 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 121 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 125 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5147.93 | N/A | Employed |  | No |  | Yes | Present |
| 126 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.806 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8144.12 | N/A | Employed |  | No |  | No |  |
| 127 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.516 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4592.12 | N/A | Not Employed | Not Employed | No | No | No |  |
| 129 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.551 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22779.37 | N/A | Employed | Employed | No | No | No |  |
| 136 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 137 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 140 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 141 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.908 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14474.94 | N/A | Employed | Not Employed | No | No | No |  |
| 142 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 144 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 59636.13 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 145 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13144.27 | N/A | Employed | Retired | No | No | Yes | Present |
| 146 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.299 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9511.58 | N/A | Employed |  | No |  | No |  |
| 149 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.684 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41887.99 | N/A | Employed | Not Employed | No | No | No |  |
| 151 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8464.02 | N/A | Employed |  | No |  | Yes | Present |
| 152 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.959 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8184.96 | N/A | Employed |  | No |  | No |  |
| 155 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.653 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 133300.79 | N/A | Employed |  | No |  | No |  |
| 156 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.943 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22167.2 | N/A | Employed | Employed | No | No | No |  |
| 157 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 158 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22408.26 | N/A | Retired | Employed | No | No | Yes | Present |
| 160 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3940.37 | N/A | Retired |  | No |  | Yes | Present |
| 161 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15408.78 | N/A | Employed |  | No |  | Yes | Present |
| 162 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.909 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 53759.04 | N/A | Employed |  | No |  | No |  |
| 165 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9300.33 | N/A | Employed |  | No |  | Yes | Present |
| 167 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 168 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 169 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 173 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.533 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6084.15 | N/A | Employed |  | No |  | No |  |
| 174 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19755.2 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 175 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.156 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 66604.27 | N/A | Employed | Employed | No | No | No |  |
| 177 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 178 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.658 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7499.04 | N/A | Employed | Employed | No | No | No |  |
| 179 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 182 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 186 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.026 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6526.04 | N/A | Not Employed |  | No |  | No |  |
| 188 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.442 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11004.27 | N/A | Employed | Employed | No | No | No |  |
| 195 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.716 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9841.51 | N/A | Employed | Retired | No | No | No |  |
| 196 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.748 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3623.68 | N/A | Employed |  | No |  | No |  |
| 200 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.833 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11126.78 | N/A | Employed |  | No |  | No |  |
| 202 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 203 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.122 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10056.98 | N/A | Employed |  | No |  | No |  |
| 205 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 208 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.966 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11282.73 | N/A | Employed |  | No |  | No |  |
| 210 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.13 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8409.27 | N/A | Retired | Employed | No | No | No |  |
| 211 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 213 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.586 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10221.17 | N/A | Employed |  | No |  | No |  |
| 215 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.122 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1716.16 | N/A | Employed |  | No |  | No |  |
| 216 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 218 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 25588.3 | N/A | Employed |  | No |  | Yes | Present |
| 220 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 223 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.861 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3698.78 | N/A | Employed |  | No |  | No |  |
| 224 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 229 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 231 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 232 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.392 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4124.48 | N/A | Retired | Retired | No | No | No |  |
| 233 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.249 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3784.59 | N/A | Employed | Employed | No | No | No |  |
| 237 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.434 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25968.91 | N/A | Employed | Not Employed | No | No | No |  |
| 238 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 24101.78 | N/A | Employed | Employed | No | No | Yes | Present |
| 241 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 242 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.716 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10725.33 | N/A | Employed |  | No |  | No |  |
| 244 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.781 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16048.19 | N/A | Employed |  | No |  | No |  |
| 246 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.175 | Yes | Yes | N/A | Yes | Yes | No | N/A | Yes | Yes | Yes | 12059.87 | N/A | Employed |  | No |  | No |  |
| 247 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.826 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28719.77 | N/A | Employed | Retired | No | No | No |  |
| 248 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 250 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 115598.8 | N/A | Employed |  | No |  | Yes | Present |
| 251 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 254 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.439 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27509.09 | N/A | Employed |  | No |  | No |  |
| 256 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.018 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11669.37 | N/A | Employed |  | No |  | No |  |
| 257 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.952 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8608.12 | N/A | Employed | Employed | No | No | No |  |
| 259 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9388.37 | N/A | Employed |  | No |  | Yes | Present |
| 262 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 263 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.118 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 120809.94 | N/A | Employed |  | No |  | No |  |
| 265 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.885 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7615.71 | N/A | Employed |  | No |  | No |  |
| 266 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 74030.57 | N/A | Employed |  | No |  | Yes | Present |
| 267 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 63305.15 | N/A | Employed |  | No |  | Yes | Present |
| 269 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 270 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.141 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31657.62 | N/A | Employed |  | No |  | No |  |
| 274 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 277 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8011.94 | N/A | Employed |  | No |  | Yes | Present |
| 279 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 280 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 281 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.212 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 80622.42 | N/A | Employed | Employed | No | No | No |  |
| 282 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 101755.34 | N/A | Employed |  | No |  | Yes | Present |
| 284 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.755 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6265.94 | N/A | Employed |  | No |  | No |  |
| 285 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 286 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.644 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4522.14 | N/A | Employed |  | No |  | No |  |
| 287 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.966 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8446.02 | Yes | Employed | Employed | No | No | No |  |
| 288 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 289 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 290 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 291 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.048 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15399.47 | N/A | Employed |  | No |  | No |  |
| 292 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.021 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 145033.8 | N/A | Employed |  | No |  | No |  |
| 293 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.846 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 65397.97 | N/A | Employed | Employed | No | No | No |  |
| 295 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 298 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.244 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9742.02 | N/A | Employed |  | No |  | No |  |
| 299 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.522 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15287.04 | N/A | Employed |  | No |  | No |  |
| 302 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 303 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.63 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9859.04 | N/A | Employed |  | No |  | No |  |
| 305 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.197 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38316.64 | N/A | Employed |  | No |  | No |  |
| 306 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.563 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 68545.76 | Yes | Employed |  | No |  | No |  |
| 309 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18440.14 | N/A | Employed | Employed | No | No | No |  |
| 312 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 315 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.974 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25800.46 | N/A | Employed |  | No |  | No |  |
| 319 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.505 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7424.83 | N/A | Employed | Employed | No | No | No |  |
| 320 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 322 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.577 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13925.44 | N/A | Employed | Employed | No | No | No |  |
| 326 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.185 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30341.75 | N/A | Employed |  | No |  | No |  |
| 328 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 329 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.582 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16270.21 | N/A | Employed | Retired | No | No | No |  |
| 330 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 331 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.951 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7670.07 | N/A | Employed |  | No |  | No |  |
| 334 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 335 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 336 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10046.69 | N/A | Employed | Retired | No | No | Yes | Present |
| 337 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7304.39 | N/A | Retired |  | No |  | Yes | Present |
| 338 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.976 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11750.63 | N/A | Employed |  | No |  | No |  |
| 340 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.79 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4650.41 | N/A | Employed |  | No |  | No |  |
| 341 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.817 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5643.35 | N/A | Employed |  | No |  | No |  |
| 342 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.213 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12899.84 | N/A | Not Employed | Not Employed | No | No | No |  |
| 343 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 344 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 345 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.203 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28694.42 | N/A | Employed | Employed | No | No | No |  |
| 346 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 348 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 350 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.212 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30891.18 | N/A | Employed |  | No |  | No |  |
| 351 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.077 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12304.79 | N/A | Employed |  | No |  | No |  |
| 352 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 94641.53 | N/A | Employed |  | No |  | Yes | Present |
| 353 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.997 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 53545.56 | N/A | Employed |  | No |  | No |  |
| 354 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.071 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47871.11 | N/A | Employed |  | No |  | No |  |
| 355 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.775 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16846.53 | N/A | Employed |  | No |  | No |  |
| 356 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.719 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17653.16 | N/A | Employed | Retired | No | No | No |  |
| 358 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.857 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6527.84 | N/A | Employed |  | No |  | No |  |
| 359 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15096.66 | N/A | Employed |  | No |  | Yes | Present |
| 362 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.09 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10896.39 | N/A | Employed |  | No |  | No |  |
| 363 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.676 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7979.53 | N/A | Employed |  | No |  | No |  |
| 364 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 366 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.91 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3482.75 | N/A | Retired |  | No |  | No |  |
| 367 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 370 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.528 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24427.93 | N/A | Employed |  | No | No | No |  |
| 373 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.543 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 281901.01 | N/A | Employed | Retired | No | No | No |  |
| 374 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 375 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.052 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 65536.43 | Yes | Employed |  | No |  | No |  |
| 378 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.275 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7359.65 | N/A | Employed | Retired | No | No | No |  |
| 379 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11668.75 | N/A | Employed | Employed | No | No | Yes | Present |
| 381 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.087 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23974.07 | N/A | Not Employed |  | No |  | No |  |
| 388 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.296 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10422.72 | N/A | Employed |  | No |  | No |  |
| 389 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.871 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 117859.32 | N/A | Employed |  | No |  | No |  |
| 390 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.917 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16421.38 | N/A | Employed |  | No |  | No |  |
| 391 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23549.52 | N/A | Employed |  | No |  | No |  |
| 392 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 393 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.781 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12933.01 | N/A | Employed | Employed | No | No | No |  |
| 394 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 397 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 398 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.738 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 55133.12 | N/A | Employed | Employed | No | No | No |  |
| 399 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 400 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16627.34 | N/A | Employed | Retired | No | No | Yes | Present |
| 401 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.684 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15734.28 | N/A | Employed |  | No |  | No |  |
| 403 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.32 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15396.14 | N/A | Employed |  | No |  | No |  |
| 404 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.055 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13355.63 | N/A | Employed | Employed | No | No | No |  |
| 406 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.571 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9188.82 | N/A | Employed |  | No |  | No |  |
| 410 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.567 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31538.36 | N/A | Employed | Employed | No | No | No |  |
| 411 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 414 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.008 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9605.78 | N/A | Employed | Employed | No | No | No |  |
| 416 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.982 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4145.17 | N/A | Employed |  | No |  | No |  |
| 418 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.036 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19548.13 | N/A | Employed |  | No |  | No |  |
| 419 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.751 | Yes | Yes | N/A | Yes | Yes | No | N/A | Yes | Yes | Yes | 8858.24 | N/A | Employed | Employed | No | No | No |  |
| 421 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 426 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 428 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.824 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6342.66 | N/A | Employed |  | No |  | No |  |
| 430 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 43673.42 | N/A | Employed |  | No |  | Yes | Present |
| 431 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 433 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.335 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3589.33 | N/A | Employed |  | No |  | No |  |
| 434 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 435 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.361 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5862.21 | N/A | Employed |  | No |  | No |  |
| 436 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 437 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.684 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7111.65 | N/A | Employed | Employed | No | No | No |  |
| 440 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.04 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1985.65 | N/A | Not Employed |  | No |  | No |  |
| 442 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 443 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.561 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7194.46 | N/A | Retired |  | No |  | No |  |
| 444 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 445 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.667 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19364.08 | N/A | Employed | Employed | No | No | No |  |
| 447 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 23628.5 | N/A | Employed |  | No |  | Yes | Present |
| 450 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.186 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19503.44 | Yes | Employed | Employed | No | No | No |  |
| 451 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.146 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7387.26 | N/A | Employed |  | No |  | No |  |
| 453 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 669566.44 | N/A | Employed |  | No |  | Yes | Present |
| 456 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.007 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24207.69 | N/A | Employed | Employed | No | No | No |  |
| 458 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.195 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16717.43 | N/A | Retired |  | No |  | No |  |
| 461 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 464 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 465 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.946 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 57322.99 | N/A | Employed |  | No |  | No |  |
| 466 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 467 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.833 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6272.29 | N/A | Employed |  | No |  | No |  |
| 469 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.852 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36911.49 | N/A | Employed |  | No |  | No |  |
| 471 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.185 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23475.51 | N/A | Employed |  | No |  | No |  |
| 472 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.204 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47335.43 | N/A | Employed | Employed | No | No | No |  |
| 473 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 474 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.9 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25521.72 | N/A | Employed |  | No |  | No |  |
| 476 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 477 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 478 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.139 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 99179.71 | N/A | Employed |  | No |  | No |  |
| 479 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 480 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.984 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15803.93 | N/A | Employed | Employed | No | No | No |  |
| 482 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.725 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 74210.54 | N/A | Employed |  | No |  | No |  |
| 485 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.589 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8810.41 | N/A | Employed |  | No |  | No |  |
| 486 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 488 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2614.67 | N/A | Employed |  | No |  | Yes | Present |
| 489 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5606.74 | N/A | Employed | Retired | No | No | Yes | Present |
| 491 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 492 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 495 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 500 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8016.73 | N/A | Retired | Retired | No | No | Yes | Present |
| 501 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 502 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 503 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 504 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 507 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.159 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12892.55 | N/A | Employed | Employed | No | No | No |  |
| 508 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.2 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15972.96 | N/A | Employed |  | No |  | No |  |
| 509 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.488 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 53811.31 | N/A | Retired |  | No |  | No |  |
| 510 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 511 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.518 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11615.04 | N/A | Employed |  | No |  | No |  |
| 512 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.69 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7671.99 | N/A | Retired |  | No |  | No |  |
| 513 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 516 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 517 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | Yes | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 155172.21 | N/A | Employed |  | No |  | Yes | Present |
| 518 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.085 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10751.06 | N/A | Employed |  | No |  | No |  |
| 519 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 521 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 523 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14329.7 | N/A | Employed | Employed | No | No | Yes | Present |
| 524 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.845 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16414.62 | N/A | Employed |  | No |  | No |  |
| 526 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.973 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5559.39 | N/A | Employed |  | No |  | No |  |
| 527 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.279 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2828.42 | N/A | Employed |  | No |  | No |  |
| 531 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.196 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5635.32 | N/A | Retired |  | No |  | No |  |
| 532 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 611796.45 | N/A | Employed |  | No |  | No |  |
| 533 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 534 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4549.41 | N/A | Employed |  | No |  | Yes | Present |
| 535 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | Yes | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21764.13 | N/A | Employed |  | No |  | Yes | Present |
| 537 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.303 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23625.95 | N/A | Employed |  | No |  | No |  |
| 539 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.158 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10870.87 | N/A | Employed | Employed | No | No | No |  |
| 542 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 543 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 41679.67 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 544 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 545 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.82 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3643 | N/A | Employed |  | No |  | No |  |
| 546 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 47072.79 | N/A | Employed |  | No |  | Yes | Present |
| 547 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.553 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 153677.41 | N/A | Employed |  | No |  | No |  |
| 548 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.026 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 372313.59 | N/A | Employed | Not Employed | No | No | No |  |
| 550 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 551 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 25627.21 | N/A | Employed |  | No |  | Yes | Present |
| 553 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 554 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 558 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.277 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48399.23 | N/A | Employed |  | No |  | No |  |
| 560 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 564 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 565 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.556 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8322.97 | N/A | Employed |  | No |  | No |  |
| 568 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 572 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 574 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 577 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17131.5 | N/A | Employed |  | No |  | Yes | Present |
| 578 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.654 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25431.11 | N/A | Employed |  | No |  | No |  |
| 579 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 580 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.169 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 70613.02 | N/A | Employed | Not Employed | No | No | No |  |
| 583 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 584 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 585 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.927 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10301.84 | N/A | Employed | Employed | No | No | No |  |
| 587 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.42 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4361.83 | N/A | Employed |  | No |  | No |  |
| 590 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.379 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4136.04 | N/A | Employed | Employed | No | No | No |  |
| 591 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.475 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20750.34 | N/A | Employed |  | No |  | No |  |
| 593 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 594 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.412 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2800.22 | N/A | Employed |  | No |  | No |  |
| 595 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 596 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 598 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 601 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 27240.37 | N/A | Employed |  | No |  | Yes | Present |
| 603 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 604 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 605 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 606 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 608 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.278 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14483.34 | N/A | Employed |  | No |  | No |  |
| 609 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 610 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.474 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11875.16 | N/A | Employed |  | No |  | No |  |
| 614 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.142 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8675.22 | N/A | Employed |  | No |  | No |  |
| 617 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 618 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 619 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 620 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 621 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.677 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26431.09 | Yes | Employed |  | No |  | No |  |
| 622 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 623 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.742 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13238 | N/A | Employed |  | No |  | No |  |
| 625 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 628 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.491 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26662.62 | N/A | Employed |  | No |  | No |  |
| 630 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 631 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.744 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9344.34 | N/A | Not Employed |  | No |  | No |  |
| 632 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9841.91 | N/A | Employed |  | No |  | Yes | Present |
| 633 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8173.26 | N/A | Employed |  | No |  | No |  |
| 636 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.856 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8782.39 | N/A | Employed |  | No |  | No |  |
| 638 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 639 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 640 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.84 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2500 | N/A | Retired |  | No |  | No |  |
| 641 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 642 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 643 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 645 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.968 | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50575.1 | N/A | Employed |  | No |  | No |  |
| 646 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 647 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 649 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 650 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.391 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3960.98 | N/A | Employed |  | No |  | No |  |
| 651 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.306 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9212.17 | Yes | Employed |  | No |  | No |  |
| 652 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 653 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 654 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.336 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22168.26 | N/A | Employed | Employed | No | No | No |  |
| 655 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.189 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6178.17 | N/A | Employed |  | No |  | No |  |
| 656 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.445 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10827.25 | N/A | Employed | Not Employed | No | No | No |  |
| 657 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 658 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 659 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.911 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10197.86 | N/A | Employed |  | No |  | No |  |
| 660 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 661 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 662 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | Yes | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11112.26 | N/A | Retired |  | No |  | Yes | Present |
| 663 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4182.34 | N/A | Employed |  | No |  | No |  |
| 665 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.844 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 205118.59 | N/A | Employed | Employed | No | No | No |  |
| 667 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.259 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17447.85 | N/A | Retired | Retired | No | No | No |  |
| 669 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.094 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48272.64 | N/A | Employed |  | No |  | No |  |
| 673 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.798 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21197.24 | N/A | Employed |  | No |  | No |  |
| 675 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27005.46 | N/A | Employed | Retired | No | No | No |  |
| 676 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 682 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 685 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 686 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.075 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9208.17 | N/A | Employed |  | No |  | No |  |
| 688 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 690 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 95748.64 | N/A | Employed |  | No |  | Yes | Present |
| 691 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.589 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14262.99 | N/A | Employed |  | No |  | No |  |
| 692 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.258 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11845.99 | N/A | Employed |  | No |  | No |  |
| 693 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 695 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.361 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 918225.14 | N/A | Employed |  | No |  | No |  |
| 698 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.635 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23498.1 | N/A | Employed | Not Employed | No | No | No |  |
| 699 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.125 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15869.6 | N/A | Employed |  | No |  | No |  |
| 701 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.962 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17466.7 | N/A | Employed |  | No |  | No |  |
| 702 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.451 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12526.29 | N/A | Employed | Employed | No | No | No |  |
| 703 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 45276.69 | N/A | Employed | Employed | No | No | Yes | Present |
| 704 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.097 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28766.95 | N/A | Employed |  | No |  | No |  |
| 707 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 714 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18430.21 | N/A | Not Employed | Employed | No | No | Yes | Present |
| 715 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.274 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30543.03 | N/A | Employed |  | No |  | No |  |
| 717 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.545 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45224.23 | N/A | Employed | Employed | No | No | No |  |
| 718 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.964 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32812.21 | N/A | Employed |  | No |  | No |  |
| 720 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 723 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | Yes | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5190.65 | N/A | Employed |  | No |  | Yes | Present |
| 724 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 727 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 728 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 729 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 730 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 731 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.116 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 121262.4 | N/A | Employed |  | No |  | No |  |
| 733 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 735 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.975 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8378.21 | N/A | Retired |  | No |  | No |  |
| 743 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.571 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28137.51 | N/A | Employed | Employed | No | No | No |  |
| 744 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10097.27 | N/A | Employed |  | No |  | No |  |
| 745 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 747 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.999 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 136411.44 | N/A | Employed |  | No |  | No |  |
| 752 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5924.18 | N/A | Employed |  | No |  | No |  |
| 753 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 757 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 759 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31741.12 | N/A | Employed | Employed | No | No | No |  |
| 760 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 761 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 762 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.764 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 138139.29 | N/A | Employed |  | No |  | No |  |
| 763 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 765 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.429 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3941.86 | N/A | Employed |  | No |  | No |  |
| 767 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 37079.22 | N/A | Employed |  | No |  | Yes | Present |
| 769 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 773 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 775 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Yes |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25978.21 | N/A | Employed |  | No |  | No |  |
| 776 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.766 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12460.7 | N/A | Employed | Not Employed | No | No | No |  |
| 779 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5460.09 | N/A | Employed |  | No |  | Yes | Present |
| 780 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 781 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.215 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39766.51 | N/A | Employed |  | No |  | No |  |
| 782 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8722.93 | N/A | Employed |  | No |  | Yes | Present |
| 783 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.232 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14064.55 | N/A | Employed |  | No |  | No |  |
| 786 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.892 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10138.08 | N/A | Retired | Employed | No | No | No |  |
| 788 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.665 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9988.32 | N/A | Employed |  | No |  | No |  |
| 789 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 790 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.4 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21804.15 | N/A | Employed | Employed | No | No | No |  |
| 791 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 792 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 793 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.403 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2514.66 | N/A | Employed |  | No |  | No |  |
| 794 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 795 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.52 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24330.25 | N/A | Employed | Employed | No | No | No |  |
| 797 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.425 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48146.76 | N/A | Employed | Employed | No | No | No |  |
| 798 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 800 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 801 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14934.16 | N/A | Employed |  | No |  | Yes | Present |
| 802 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 805 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.424 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| 806 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.762 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14212.69 | N/A | Employed | Retired | No | No | No |  |
| 922 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.257 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7141.39 | N/A | Employed | Employed | No | No | No |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_002.jpg)

![](ex99-3_001.jpg)

**April 23, 2026<br> Due Diligence Narrative Report**

![](ex99-3_002.jpg)

**Table of Contents**

---

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

---

 ****

NRMLT 2026-NQM6 Due Diligence Narrative Report Page \| 1 April 23, 2026

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |
| ![](ex99-3_003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of NewRez LLC, Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 30 residential loans. Rithm Capital Corp. subsequently selected these loans for the NRMLT 2026-NQM6 transaction.

The loans referenced in this narrative report were reviewed on a flow loan basis from January 2026 to April 2026. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;11 | &nbsp;&nbsp;36.67% |
| &nbsp;&nbsp;Correspondent Flow with delegated underwriting | &nbsp;&nbsp;19 | &nbsp;&nbsp;63.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**30** | &nbsp;&nbsp;**100.00%** |

---

NRMLT 2026-NQM6 Due Diligence Narrative Report Page \| 2 April 23, 2026

![](ex99-3_002.jpg)

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp; Review scope | &nbsp;&nbsp; # of Files Reviewed |
| &nbsp;&nbsp;Credit Review | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;29 |
| &nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;30 |

---

Loan Grading

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

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

![](ex99-3_004.jpg)

NRMLT 2026-NQM6 Due Diligence Narrative Report Page \| 3 April 23, 2026

![](ex99-3_002.jpg)

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 30 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

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

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

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

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

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

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

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

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

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment (30 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (30 loans)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Desk Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 1004 / 1025 / 1073

For further detail please refer to the NRMLT 2026-NQM6 Valuations Summary Report

NRMLT 2026-NQM6 Due Diligence Narrative Report Page \| 4 April 23, 2026

![](ex99-3_002.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 29 loans on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

- Prepayment Penalty restrictions; and

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

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

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

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

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

NRMLT 2026-NQM6 Due Diligence Narrative Report Page \| 5 April 23, 2026

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

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

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

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

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

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

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

NRMLT 2026-NQM6 Due Diligence Narrative Report Page \| 6 April 23, 2026

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Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 30 reviewed loans, by completing the following steps:

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

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

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

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

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

Data Capture

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

**data Compare Results**

Clayton provided Rithm Capital Corp. with a copy of the Loan Level Tape Compare Upload which showed the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 30 loans reviewed.

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **% Accuracy** |
| &nbsp;&nbsp;Borrower 1 Last Name | 1 | 96.67% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 4 | 86.67% |
| &nbsp;&nbsp;Documentation Type | 5 | 83.33% |
| &nbsp;&nbsp;Maturity Date | 1 | 96.67% |
| &nbsp;&nbsp;Note Interest Only Term | 1 | 96.67% |
| &nbsp;&nbsp;Note Rate | 1 | 96.67% |
| &nbsp;&nbsp;Occupancy Type | 1 | 96.67% |
| &nbsp;&nbsp;Original Term | 6 | 80.00% |
| &nbsp;&nbsp;Origination Date | 1 | 96.67% |
| &nbsp;&nbsp;Property Type | 6 | 80.00% |

---

NRMLT 2026-NQM6 Due Diligence Narrative Report Page \| 7 April 23, 2026

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**Clayton Due Diligence Results**

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 15 |  | 7 | 7 | **29** |
| **Final** | **B** |  |  | 1 |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **15** | **0** | **8** | **7** | **30** |

---

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

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 19 |  | 7 | 4 | **30** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **19** | **0** | **7** | **4** | **30** |

---

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 28 |  | 1 | 1 | **30** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **28** | **0** | **1** | **1** | **30** |

---

NRMLT 2026-NQM6 Due Diligence Narrative Report Page \| 8 April 23, 2026

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

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 22 | 1 | 2 | 3 | **28** |
| **Final** | **B** |  |  | 1 |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **22** | **1** | **3** | **3** | **29** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (1 loan in pool)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

NRMLT 2026-NQM6 Due Diligence Narrative Report Page \| 9 April 23, 2026

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**Appendix A: Credit Review Scope**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Credit score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income and employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Assets and reserves

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower eligibility, including:

- Citizenship status

- Non- occupant co-borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Transaction eligibility, including:

Maximum loan amount

- Loan purpose

- Occupancy

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Uniform Residential Loan Application reviewed to determine:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Employment analyzed and verified through use of various documents, including:

- Income documentation

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

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income review included:

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

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

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

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

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

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

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

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

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

NRMLT 2026-NQM6 Due Diligence Narrative Report Page \| 10 April 23, 2026

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Asset review included:

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

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

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

- Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;o Title policy review included:

- Title interest – determined if

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

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

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o HUD1 (Settlement Statement) review included:

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

- Seller contributions did not exceed maximum allowed

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;o Hazard/Flood insurance review included:

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

- Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct property

NRMLT 2026-NQM6 Due Diligence Narrative Report Page \| 11 April 23, 2026

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Insurance review included:

- Determined if mortgage insurance is required

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Borrower identity

- Social Security inconsistencies

- Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

- Borrower address history

- Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;o Employment

&nbsp;&nbsp;&nbsp;&nbsp;o Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

E. Performed a DSCR review following the origination guidelines to arrive at a monthly property expense. This number is used as the denominator
to the monthly lease or estimated lease income. Clayton reviewed the applicable documentation and data to arrive at this ratio, including:

&nbsp;&nbsp;&nbsp;&nbsp;o Principal and interest payment

&nbsp;&nbsp;&nbsp;&nbsp;o Property taxes

&nbsp;&nbsp;&nbsp;&nbsp;o Insurance

&nbsp;&nbsp;&nbsp;&nbsp;o HOA payments

NRMLT 2026-NQM6 Due Diligence Narrative Report Page \| 12 April 23, 2026

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**Appendix B: Origination Appraisal Assessment**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report used standard GSE forms, appropriate to the property type:

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report was reasonably complete and included:

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

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

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

- All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Photos of all comparable sales and listings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Exterior sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1004MC Market Conditions Report

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

- Appraisal date met supplied Sponsor Acquisition Criteria

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Title XI of FIRREA:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

- Confirmed that the appraiser's certification is present and executed within the original appraisal.

NRMLT 2026-NQM6 Due Diligence Narrative Report Page \| 13 April 23, 2026

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following
key points in making determination:

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant occupancy

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

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

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

&nbsp;&nbsp;&nbsp;&nbsp;o 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working farms, ranches or orchards

&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

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F. Disclaimer

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

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

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the
underlying property

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

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

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**Appendix C: Regulatory Compliance Review Scope**

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

**<u>Federal Law</u>**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual
loan terms from the Note

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs
identified within the loan file

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains
documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements
This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will
be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance.
This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosures ("TRID")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure
("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official
Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing Requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after
the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is
triggered) is received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated
payment schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy of the Loan Calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency within and across forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with
a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the
section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information,
contact information, rate lock information, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one
option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past
experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected CD requiring a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided.
For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within
tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close CD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More
detailed testing will occur by comparing the final CD to the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms,
but is not independently verifying the information.

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

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

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**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

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

---

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

---

**B.** **State/Local High Cost** 

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

---

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

---

**C.** **Anti-Predatory** 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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**D.** **Borrower's Interest** 

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

---

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

---

**E.** **Consumer Protection** 

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

---

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

---

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

**F.** **Texas Equity** 

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

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**<u>GSE Testing</u>**

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

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

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

NRMLT 2026-NQM6 Due Diligence Narrative Report Page \| 21 April 23, 2026

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans In Report:* | *30* | **Origination Values** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **AUS Information** |
| *Loans In Report:* |  | **Origination Values** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **AUS Information** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM FSD** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** | **Full Diligence ID** |
| 28 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | 586E7D14-21B0-4253-A8EB-74E6770B026C |
| 36 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | 14ABAEF7-B198-4C1B-96A5-E615E468ECAA |
| 64 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | 3B471AE0-1524-455C-8834-58D24B976F30 |
| 92 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | -5.06% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | 385695F5-AA8D-40FE-A939-C44CAED7B5E1 |
| 105 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | 3B2C4304-0217-4E98-90C1-82DCC48B50C3 |
| 113 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | B269818D-3D9C-4A58-8852-81D70B0EF896 |
| 122 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | 17035E98-C4E8-4D26-8181-73124B99C585 |
| 123 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | -6.92% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | B0879765-EEB9-4356-AD32-9326529D4E0F |
| 130 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | 0.38% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | 65FAD9EE-A5A4-4D18-A5D4-36E42DDA6CA4 |
| 138 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | CFDC6B58-CE9B-48ED-8993-575006B45AB7 |
| 139 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | 4AA1298A-E0C6-4CA1-9616-ECFE3ADFA8BF |
| 148 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 4.5 | 9C33A100-0270-47C2-975C-893238A3F9B7 |
| 150 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | FA8B812F-316E-4B06-88A7-10D5424F2C8D |
| 153 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | C58CE17B-6ADD-4308-9D7B-FE0C63B7A3B1 |
| 154 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.6 | 27E22023-DCD2-4661-9818-561ABBF18BFC |
| 164 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | A1218C03-84BC-41EC-BCC7-FDB362F7A470 |
| 171 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | A16BC092-6FB5-4657-9460-A6A881FE6C24 |
| 172 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | 231FA2A5-A2A5-4B16-B01B-F1764B914A6E |
| 180 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | A2A3D813-E43F-4208-900F-5E521D49ECD1 |
| 181 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | E387286E-0E66-4A87-AD6D-5B9ECE6DD790 |
| 183 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | 0C27BBA4-DF24-4704-9D64-C9BB9B7054B5 |
| 184 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | 3A97E96C-ABCE-4484-9DB3-F68055C24846 |
| 185 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | 51B6EF9D-6449-4FF1-89FD-E7B7DBD889D6 |
| 187 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | E84CAC45-61BB-4DE4-A066-D685B8D3C8CF |
| 189 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | 120971D2-17C1-47AD-957D-02F46E22FCC5 |
| 190 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.1 | 456DE08A-E43D-4C00-96FB-7D58207A0F33 |
| 191 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | XXXX | -3.49% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | 9AF6E574-F6AE-4912-A36C-2161A93BCBF0 |
| 192 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | D35877E6-1491-4C91-8B2F-31CA1C20B0C4 |
| 193 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | 636687A5-9AD6-43FC-8BD2-8B7DF9BF791A |
| 194 | XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | XX/XX/XXXX | XXXX | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | D222530D-0F24-475F-9934-DDD3C2DA180F |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

**ATR QM Upload**

<br> *Loans in Report:* *30*

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 |
| Marketing ID | **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **BK Chapter** | **BK Filing Date** | **Months Since Filing Date** | **BK Discharge Date** | **Months Since Discharge Date** | **Ever in F/C?** | **F/C Last Proceeding Date** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Full Diligence ID** |
| 28 | XXXX | XXXX | XXXX | XXXX | FL | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Rebuttable Presumption (APOR) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8325 | Yes | Yes | 3.411 | 3.260 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.05 | 37.05 | 37.05 | 37.05 | 37.05 | 37.05 | No | No | (No Data) | 7374.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 586E7D14-21B0-4253-A8EB-74E6770B026C |
| 36 | XXXX | XXXX | XXXX | XXXX | NY | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Rebuttable Presumption (APOR) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.8244 | Yes | Yes | 0.221 | 0.222 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.61 | 37.25 | 41.61 | 37.25 | 37.25 | 37.25 | No | No | (No Data) | 8077.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 14ABAEF7-B198-4C1B-96A5-E615E468ECAA |
| 64 | XXXX | XXXX | XXXX | XXXX | VA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4405 | Yes | No | 0.453 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.42 | 0 | 40.42 | 40.42 | 40.42 | (No Data) | (No Data) | (No Data) | 29398.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 3B471AE0-1524-455C-8834-58D24B976F30 |
| 92 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1036 | Yes | No | 0.761 | (No Data) | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.68 | 0 | 41.68 | 41.68 | 41.68 | (No Data) | (No Data) | (No Data) | 15138.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 385695F5-AA8D-40FE-A939-C44CAED7B5E1 |
| 105 | XXXX | XXXX | XXXX | XXXX | VA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4735 | Yes | No | 0.712 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 40.76 | 0 | 40.76 | 40.76 | 40.76 | (No Data) | (No Data) | (No Data) | 26211.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 3B2C4304-0217-4E98-90C1-82DCC48B50C3 |
| 113 | XXXX | XXXX | XXXX | XXXX | MO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8818 | No | No | 1.16 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11584.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1935.00 | No | (No Data) | 1.0400 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | B269818D-3D9C-4A58-8852-81D70B0EF896 |
| 122 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0677 | Yes | No | 1.376 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 19.4 | 0 | 19.4 | 19.4 | 19.4 | (No Data) | (No Data) | (No Data) | 120225.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 17035E98-C4E8-4D26-8181-73124B99C585 |
| 123 | XXXX | XXXX | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5179 | Yes | No | 0.167 | 0.167 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 46.76 | 42.28 | 46.76 | 39.4 | 39.4 | 39.4 | No | No | (No Data) | 17806.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | B0879765-EEB9-4356-AD32-9326529D4E0F |
| 130 | XXXX | XXXX | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | Yes | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5966 | No | No | 0.777 | 0.778 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.5 | 43.87 | 44.5 | 43.87 | 43.87 | 43.87 | No | No | (No Data) | 10242.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 65FAD9EE-A5A4-4D18-A5D4-36E42DDA6CA4 |
| 138 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3836 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.16 | 0 | 39.16 | 39.16 | 39.16 | (No Data) | (No Data) | (No Data) | 101761.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | CFDC6B58-CE9B-48ED-8993-575006B45AB7 |
| 139 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7583 | Yes | No | 0.024 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 42.07 | 0 | 42.07 | 42.07 | 42.07 | (No Data) | (No Data) | (No Data) | 87466 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 4AA1298A-E0C6-4CA1-9616-ECFE3ADFA8BF |
| 148 | XXXX | XXXX | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.5728 | Yes | Yes | 1.648 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 9.53 | 9.51 | 9.53 | 9.51 | 9.51 | 9.51 | No | No | (No Data) | 91217.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 180 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 180 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 9C33A100-0270-47C2-975C-893238A3F9B7 |
| 150 | XXXX | XXXX | XXXX | XXXX | KY | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3830 | Yes | Yes | 2.32 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.45 | 41.45 | 41.45 | 41.45 | 41.45 | 41.45 | No | No | (No Data) | 3802.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 228 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> Business Tax Return - 12 months;<br> CPA Letter - 228 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | FA8B812F-316E-4B06-88A7-10D5424F2C8D |
| 153 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3241 | Yes | No | 2.118 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 6.36 | 0 | 6.36 | 6.36 | 6.36 | (No Data) | (No Data) | (No Data) | 199454.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | C58CE17B-6ADD-4308-9D7B-FE0C63B7A3B1 |
| 154 | XXXX | XXXX | XXXX | XXXX | MD | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 2 mos interest on amt prepd >1/3 of OPB | (No Data) | No | Yes | 1 | 7.0659 | No | No | 2.546 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -12474.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 0.00 | No | (No Data) | 0.9010 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 27E22023-DCD2-4661-9818-561ABBF18BFC |
| 164 | XXXX | XXXX | XXXX | XXXX | TX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0190 | No | No | 1.23 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.15 | 45.15 | 45.15 | 45.15 | 45.15 | 45.15 | Yes | Yes | Yes | 7911.38 | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | A1218C03-84BC-41EC-BCC7-FDB362F7A470 |
| 171 | XXXX | XXXX | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | No | Not Provided | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | 4 Family | 4 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0244 | Yes | Yes | 0.016 | Missing | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.09 | 35.09 | 35.09 | 35.09 | 35.09 | 35.09 | No | No | (No Data) | 28460.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | A16BC092-6FB5-4657-9460-A6A881FE6C24 |
| 172 | XXXX | XXXX | XXXX | XXXX | SC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0592 | No | No | 0.488 | (No Data) | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 43.95 | 0 | 43.95 | 43.95 | 43.95 | (No Data) | (No Data) | (No Data) | 18683.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 231FA2A5-A2A5-4B16-B01B-F1764B914A6E |
| 180 | XXXX | XXXX | XXXX | XXXX | PA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.0292 | No | No | 2.569 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1613.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.9830 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | A2A3D813-E43F-4208-900F-5E521D49ECD1 |
| 181 | XXXX | XXXX | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9416 | Yes | No | 1.274 | 1.274 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 38.87 | 0 | 38.87 | 38.87 | 38.87 | No | No | (No Data) | 7455.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | E387286E-0E66-4A87-AD6D-5B9ECE6DD790 |
| 183 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3850 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 24.71 | 0 | 24.71 | 24.71 | 24.71 | (No Data) | (No Data) | (No Data) | 19019.84 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Business Bank Statements - 24 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0C27BBA4-DF24-4704-9D64-C9BB9B7054B5 |
| 184 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2596 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 28.1 | 0 | 28.1 | 28.1 | 28.1 | (No Data) | (No Data) | (No Data) | 19094.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Business Bank Statements - 24 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 3A97E96C-ABCE-4484-9DB3-F68055C24846 |
| 185 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8435 | No | No | 1.869 | (No Data) | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 44.59 | 0 | 44.59 | 44.59 | 44.59 | (No Data) | (No Data) | (No Data) | 12896.69 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 51B6EF9D-6449-4FF1-89FD-E7B7DBD889D6 |
| 187 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9469 | No | No | 6.055 | (No Data) | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -9883.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5200.00 | No | (No Data) | 1.2000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | E84CAC45-61BB-4DE4-A066-D685B8D3C8CF |
| 189 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7870 | Yes | No | 0.128 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 39.69 | 0 | 39.69 | 39.69 | 39.69 | (No Data) | (No Data) | (No Data) | 42870.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) | 120971D2-17C1-47AD-957D-02F46E22FCC5 |
| 190 | XXXX | XXXX | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2614 | No | No | 0.025 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.16 | 49.25 | 47.16 | 49.25 | 49.25 | 49.25 | No | No | (No Data) | 10109.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 456DE08A-E43D-4C00-96FB-7D58207A0F33 |
| 191 | XXXX | XXXX | XXXX | XXXX | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9891 | No | No | 1.57 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -10099.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.1140 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 9AF6E574-F6AE-4912-A36C-2161A93BCBF0 |
| 192 | XXXX | XXXX | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.9814 | Yes | Yes | 0.718 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.43 | 29.43 | 29.43 | 29.43 | 29.43 | 29.43 | No | No | (No Data) | 30452.71 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | D35877E6-1491-4C91-8B2F-31CA1C20B0C4 |
| 193 | XXXX | XXXX | XXXX | XXXX | GA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9325 | Yes | No | 0.251 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 30.03 | 0 | 30.03 | 30.03 | 30.03 | (No Data) | (No Data) | (No Data) | 4063.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 48 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 636687A5-9AD6-43FC-8BD2-8B7DF9BF791A |
| 194 | XXXX | XXXX | XXXX | XXXX | NC | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XX/XX/XXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9455 | Yes | No | 0.549 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 32.3 | 0 | 32.3 | 32.3 | 32.3 | (No Data) | (No Data) | (No Data) | 58480.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | D222530D-0F24-475F-9934-DDD3C2DA180F |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

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| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *30* |
| ***Loans with Conditions:*** | *15* |

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| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** | **Full Diligence ID** |
| 28 | XXXX | XXXX | FL | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 75% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 79 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.05% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 15.33 years | 586E7D14-21B0-4253-A8EB-74E6770B026C |
| 36 | XXXX | XXXX | NY | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $535.00 due to Appraisal Desk Review increased from LE to CD. Missing a valid Change of Circumstance of Post Close CD, LOX and copy of refund check to borrower. | 02/20/2026 Client provided COC 1/9 reflecting Per Underwriter guideline, another appraisal desk reviews are required. Condition remains. Provide COC from 1st addition for the fee on 12/22 with additional information of why the fee was not included with the Initial Disclosures and additional information of the change that required it to increase on 1/9 or PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 03/06/2026 Client provided PCCD 2/26 with cure, copy of cure check. LOE to Borrower and in transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 37.25% below guideline requirement of 50%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 72 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 24 years | 14ABAEF7-B198-4C1B-96A5-E615E468ECAA |
| 64 | XXXX | XXXX | VA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | DTI | Satisfied C A | CRDDTI187 | Debt Ratio > 45% | No | Guidelines allowable to 50% | 2.3.2026 Client provided a final 1008 however was not able to open, please re-send 2.5.2026 Client provided duplicate copy of 1008 (in file) with DTI of 45.23% and DD Firm DTI 48.25%; appears DD Firm DTI is higher due to using 5% of 30 day XX balance, condition remains for updated LP approval considering assets to payoff these two XX balances totaling $XX (to be taken away from assets), currently LP shows these two XX as being omitted. Condition remains for update LP reducing assets by $XX considering the 30 day XX total and upon receipt of updated LP removal of 5% from DD Firm DTI for these two XX accounts. 2.10.2026 Client provided updated LP (submission #7) with removal of additional assets of $XX considering the 30 days XX total for both XX reflected on credit and the 5% that was being used for each XX have been removed, updated DTI within guidelines | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.25 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 41 months exceeds guidelines of 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 3 months for the subject and 2 months each for the remaining 3 REO's; reserves on hand are 30.83 months. | 3B471AE0-1524-455C-8834-58D24B976F30 |
| 92 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 73.66% below guideline requirements of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 21 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.68% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 9.25 years | 385695F5-AA8D-40FE-A939-C44CAED7B5E1 |
| 105 | XXXX | XXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has positive Schedule C income not used to qualify | 3B2C4304-0217-4E98-90C1-82DCC48B50C3 |
| 113 | XXXX | XXXX | MO | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | LTV/CLTV | Satisfied C A | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | The lender used $1,950 as gross rents, but actual rents are $1,825 making the DSCR % 0.981%. The max LTV for long term rental is 65% for a cash-out transaction. Lender must provide a lease of $1,950 and subject file to further underwriting. | 2.19.2026 Client provided email LOX stating, don't agree with this. I've double checked the guidelines and it appears that 75% is the max LTV due to the DSCR being 1.0484. Response, per 2 unit appraisal subject currently rented per month total is $1,825 (being used by DD Firm) however lender is using $1,950; condition remains 3/5 Client provided leases supporting $1935.00 per month DSCR 1.04 | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 6 months for the subject; reserves on hand are 22.90 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months | B269818D-3D9C-4A58-8852-81D70B0EF896 |
| 113 | XXXX | XXXX | MO | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Provide an updated valuation of the subject property. | 2.19.2026 Client provided LOX email regarding this condition. Response, this condition is requesting for the 3rd party valuation supporting value (CDA acceptable), post close dated acceptable. Condition remains 3.12.2026 Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 6 months for the subject; reserves on hand are 22.90 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months | B269818D-3D9C-4A58-8852-81D70B0EF896 |
| 122 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 19.40% below guideline requirement of 50%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 7.08 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 61 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 76.37% below guideline requirements of 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 6 months for the subject property and 2 months each for the remaining 3 REO's; reserves on hand are 190.43 months. | 17035E98-C4E8-4D26-8181-73124B99C585 |
| 123 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 48 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 40.79% below guideline requirement of 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 31 years | B0879765-EEB9-4356-AD32-9326529D4E0F |
| 130 | XXXX | XXXX | CA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | Right of Rescission | Satisfied C A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR in file is signed by the borrowers on XX/XX/XXXX with an expiration date of XX/XX/XXXX. Per Final CD dated XX/XX/XXXX, Disbursement date is XX/XX/XXXX. Disbursement date is before end of statutory rescission period | 03/16/2026 Client provided the Finaling CD XX/XX/XXX with matching Fina, ALTA confirming the disbursement date. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 29 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 4.75 years | 65FAD9EE-A5A4-4D18-A5D4-36E42DDA6CA4 |
| 138 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing the following1) HOI policy reflecting at least $185.35 for XXXX. 2) and HOI reflecting at least $1639.60 XXXX) evidence support 12 months to exclude XXXX mtg payment of $3055 | 3.5.2026 Client provided HOI for both properties: XXXX and XXXX supporting lower amount than requested however regarding XXXX mtg payment of $3,055; per Client LOX in Collaborate this was not omitted and should be included. Response, with review of REO/1003 for this property (pg 261) it is only showing $1,016.17 to be used in DTI vs showing $4,071.17 (which would include the mtg payment of $3,055), DD Firm DTI is 42.46% without considering the mtg payment of $3,055; condition remains for further clarification due to REO of 1003 do not reflect using the full payment of $4,071.17 only reflect using $1,016.17 3.6.2026 Cllient provided LOX stating, will updated 1003 and 1008 do to reflect correct numbers for the XX property. Response, yes updated 1003/1008 is needed and full PITIA for this property to be included in the 1008 DTI, if not already included. Upon receipt and review, we will need to also include the PI of $3,055 in our DTI, our DTI is 42.46% without this $3,055 (fyi). 3.9.2026 Client provided updated 1003/1008 with including $3,055 PI for XX on REO and in DTI; DD Firm have added the additional $3,055 in DTI for an updated DTI of 44.29% (Max 50%) | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 59.23% max per guidelines is 85%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self-employed for 36 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 30 years. | CFDC6B58-CE9B-48ED-8993-575006B45AB7 |
| 139 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 770 > is above guideline minimum credit score 720.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 30 years. | 4AA1298A-E0C6-4CA1-9616-ECFE3ADFA8BF |
| 148 | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Loan product was not disclosed to borrower min 3 days prior to closing due to missing Initial CD. | 03/04/2026 Client provided Initial CD 2/6 e-signed on 2/6. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 654 > is above guideline minimum credit score 640. | 9C33A100-0270-47C2-975C-893238A3F9B7 |
| 148 | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Need proof initial CD was received by borrower 3 days before consummation date of XX/XX/XXXX. Missing Initial CD dated XX/XX/XXXX per the Disclosure Tracking Summary | 03/04/2026 Client provided Initial CD XX/XX/XXX e-signed on XX/XX/XXXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 654 > is above guideline minimum credit score 640. | 9C33A100-0270-47C2-975C-893238A3F9B7 |
| 148 | XXXX | XXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing loan documents ATR Underwriting Certification signed by the credit UW; Notice to Borrower: Ability to Repay Disclosure and Borrowers Affirmation of Information provided to Establish ATR: | 3/13 Client provided the UW Cert; still need Notice to Borrower: Ability to Repay Disclosure and Borrowers Affirmation of Information provided to Establish ATR: 3/19 Client provided required disclosures | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 11 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 654 > is above guideline minimum credit score 640. | 9C33A100-0270-47C2-975C-893238A3F9B7 |
| 150 | XXXX | XXXX | KY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing LE's dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and CD dated XX/XX/XXXX per the Disclosure Tracking details. | 03/25/2026 Client provided a screen print disclosure history reflecting CD XX/XX/XXX not included in timeline with LOE stating it was not sent to the Borrower along with LE's XX/XX/XXXX, XX/XX/XXX , XX/XX/XXXX and XX/XX/XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 50 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 40 years. | FA8B812F-316E-4B06-88A7-10D5424F2C8D |
| 153 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 6.36% below guideline requirement of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 17 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 72.12% below guideline requirements of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 34 months exceeds guidelines of 12 months | C58CE17B-6ADD-4308-9D7B-FE0C63B7A3B1 |
| 154 | XXXX | XXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 777 > is above guideline minimum credit score 720.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 18 years. | 27E22023-DCD2-4661-9818-561ABBF18BFC |
| 164 | XXXX | XXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 54% | A1218C03-84BC-41EC-BCC7-FDB362F7A470 |
| 171 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in file; need in order to complete fee entry | 03/04/2026 Client provided the missing Seller CD for Seller fees. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 798 max per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.09% max per guidelines is 45%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 8 years. | A16BC092-6FB5-4657-9460-A6A881FE6C24 |
| 171 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing lender ATR/QM status determination. | 3/4 Client provided the QM determination | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 798 max per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.09% max per guidelines is 45%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 8 years. | A16BC092-6FB5-4657-9460-A6A881FE6C24 |
| 171 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 months mortgage history. Per credit report 11 months verified. | 3.5.2026 Client provided updated VOM with additional month on mortgage history | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 798 max per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.09% max per guidelines is 45%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 8 years. | A16BC092-6FB5-4657-9460-A6A881FE6C24 |
| 171 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | D | A D | D | A | Credit | Legal Documents | Satisfied D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing Ability to Repay Underwriting Certification. | 3/4 Client provided the UW ATR Cert | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 798 max per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 35.09% max per guidelines is 45%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed for 8 years. | A16BC092-6FB5-4657-9460-A6A881FE6C24 |
| 172 | XXXX | XXXX | SC | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR2442 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | Provide the UCDP | 3.13.2026 Client provided SSR UCDP Fannie Mae/Freddie Mac and file have the actual 3rd party ARR Steward valuation used to support value. | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has no late payments on a mortgage history<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 12 years on current job | 231FA2A5-A2A5-4B16-B01B-F1764B914A6E |
| 180 | XXXX | XXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 6 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $49,782.74 post closing reserves, or 30.85 months PITIA. Guidelines required 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80% max per guidelines is 85%. | A2A3D813-E43F-4208-900F-5E521D49ECD1 |
| 181 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | B | A C | B | A | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations | 03/03/2026 Client provided the missing List of homeowners counseling organizations dated 1/9. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 17 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.87% below guideline requirement of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 90% | E387286E-0E66-4A87-AD6D-5B9ECE6DD790 |
| 181 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | B | A C | B | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide the lender's QM determination | 3.2.2026 Client provided Loan detail report w/QM Safe harbor status determination | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 17 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.87% below guideline requirement of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 90% | E387286E-0E66-4A87-AD6D-5B9ECE6DD790 |
| 181 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | B | A C | B | A | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months rental history | 3.3.2026 Client provided LOX stating, Per the UW the 1003 shows the rental history with current address and rental amount. Response, agree 1003 do reflect as currently renting for $2,200 a month however initial condition is requesting for most recent 12 months rental satisfactory payment history. Condition remains 3.16.2026 Client provided LOX stating, if we provide Bank statements showing consistent monthly payments would this satisfy the condition. Response, yes 12 months statement for rental history could be provided along with Lease agreement or if renting a house (12 months bank statement along with copy of property detail profile file to support same name of owner name of property to match name on 12 months statement where payments are being made to. 12 months bank statement along with either Lease agreement (if apartment, etc) or property profile verifying owner name which would be same as what the 12 months bank statements reflect. 3/22 Client provided lease with 12 months banks statements for pmt history | satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 17 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 38.87% below guideline requirement of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 90% | E387286E-0E66-4A87-AD6D-5B9ECE6DD790 |
| 183 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing all pages of the lease for the subject property and all other investment properties which rental income was used to qualify. Only have page 1 of leases. | 4.2.2026 Client provided executed copy of requested five (5) leases for XX, XX, XX and XX; most are month to month with being dated over one year ago however XX bank statements in file support most recent deposit from the leases being used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments on the mortgage history<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 57% | 0C27BBA4-DF24-4704-9D64-C9BB9B7054B5 |
| 184 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing all pages of lease for subject property and all other investment properties that used rental income to qualify. Only have page 1 of all leases | 4.2.2026 Client provided executed copy of requested five (5) leases for XX, XX, XX and XX; most are month to month with being dated over one year ago however XX bank statements in file support most recent deposit from the leases being used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 59%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 33 years in current SE job | 3A97E96C-ABCE-4484-9DB3-F68055C24846 |
| 185 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt D C | D | A D C | D | A | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage for the property address of XXXX . Note in file is for XXXX. | 3.25.2026 Client provided subject executed Mortgage all pages along with 1-4 Rider (2 unit Investment) | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 9 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.84% below guideline requirement of 45%, pending receipt of note and recalculation of DTI. | 51B6EF9D-6449-4FF1-89FD-E7B7DBD889D6 |
| 185 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt D C | D | A D C | D | A | Compliance | Documentation | Satisfied D A | CMPDOC195 | Missing Note | No | Missing Note for the property address of XXXX. Note in file is for XXXX. | 3.25.2026 Client provided executed subject Note | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 9 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.84% below guideline requirement of 45%, pending receipt of note and recalculation of DTI. | 51B6EF9D-6449-4FF1-89FD-E7B7DBD889D6 |
| 185 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt D C | D | A D C | D | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the executed Borrower's Affirmation and the ATR Disclosure. | 3.25.2026 Client provided executed by Borrowers, Borrowers affirmation to establish ATR along with executed Notice to Borrower: Ability to Repay Disclosure | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 11 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 53 months exceeds guidelines of 12 months<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 9 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 39.84% below guideline requirement of 45%, pending receipt of note and recalculation of DTI. | 51B6EF9D-6449-4FF1-89FD-E7B7DBD889D6 |
| 187 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 787 > is above guideline minimum credit score 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $157,186.73 or 36.40 months of PITI(A). Reserves requirement of $4,318.08 x 6 months = $25,908.48. | E84CAC45-61BB-4DE4-A066-D685B8D3C8CF |
| 189 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 75%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have no late payments on the mortgage history | 120971D2-17C1-47AD-957D-02F46E22FCC5 |
| 190 | XXXX | XXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 16 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 781 > is above guideline minimum credit score 700. | 456DE08A-E43D-4C00-96FB-7D58207A0F33 |
| 191 | XXXX | XXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | (No Data) | 9AF6E574-F6AE-4912-A36C-2161A93BCBF0 |
| 192 | XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 6 years on current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The total DTI is 29% | D35877E6-1491-4C91-8B2F-31CA1C20B0C4 |
| 193 | XXXX | XXXX | GA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing required documents: Ability-to-Repay Underwriting Certification, Notice to Borrower: Ability to Repay Disclosure, and Borrowers Affirmation of Information provided to Establish ATR | 3/22 Client provided Notice to Borrower. and Borrowers affirmation; still missing ATR UW CERT3.23.2026 Client provided copy of Fraud Guard Results however still missing executed ATR UW Certification, per prior update. Condition remains 3.23.2026 Client provided executed ATR UW Certification for Borrower and signed by Underwriter | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 771 > is above guideline minimum credit score 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $46,643.57 or 9.94 months of PITI(A). Total Required: $19,792.74 | 636687A5-9AD6-43FC-8BD2-8B7DF9BF791A |
| 194 | XXXX | XXXX | NC | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing underwriter income wkst supporting self employment income $86,387.56 | 3/12 client provided the income WS | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 10 years. | D222530D-0F24-475F-9934-DDD3C2DA180F |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | |
|:---|:---|
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *30* |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** | **Full Diligence ID** |
| 28 | XXXX | QM: Rebuttable Presumption (APOR) | No | XX/XX/XXXX | Not Applicable | Yes | Yes | 3368.95 | 12/3/2025 | 7.8325 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 586E7D14-21B0-4253-A8EB-74E6770B026C |
| 36 | XXXX | QM: Rebuttable Presumption (APOR) | No | XX/XX/XXXX | Not Applicable | No | Yes | 1125 | 12/20/2025 | 7.8244 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 14ABAEF7-B198-4C1B-96A5-E615E468ECAA |
| 64 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 7.4405 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 3B471AE0-1524-455C-8834-58D24B976F30 |
| 92 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | Yes | No | 0 | 1/1/1900 | 7.1036 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | 385695F5-AA8D-40FE-A939-C44CAED7B5E1 |
| 105 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 7.4735 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 3B2C4304-0217-4E98-90C1-82DCC48B50C3 |
| 113 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 7.8818 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | B269818D-3D9C-4A58-8852-81D70B0EF896 |
| 122 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 7.0677 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 17035E98-C4E8-4D26-8181-73124B99C585 |
| 123 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 1559.65 | 1/9/2026 | 6.5179 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | B0879765-EEB9-4356-AD32-9326529D4E0F |
| 130 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | XX/XX/XXXX | Yes | Yes | 7020 | 1/26/2026 | 6.5966 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 65FAD9EE-A5A4-4D18-A5D4-36E42DDA6CA4 |
| 138 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 6.3836 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | CFDC6B58-CE9B-48ED-8993-575006B45AB7 |
| 139 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 6.7583 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 4AA1298A-E0C6-4CA1-9616-ECFE3ADFA8BF |
| 148 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | Yes | No | 9050.2 | 2/3/2026 | 8.5728 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 9C33A100-0270-47C2-975C-893238A3F9B7 |
| 150 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | Not Applicable | No | Yes | 7399.23 | 2/27/2026 | 6.383 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | FA8B812F-316E-4B06-88A7-10D5424F2C8D |
| 153 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 7.3241 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | C58CE17B-6ADD-4308-9D7B-FE0C63B7A3B1 |
| 154 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 7.0659 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | 27E22023-DCD2-4661-9818-561ABBF18BFC |
| 164 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | Not Applicable | No | Yes | 4292.5 | 2/11/2026 | 7.019 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 7911.78 | A1218C03-84BC-41EC-BCC7-FDB362F7A470 |
| 171 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | Not Applicable | No | Yes | 307.95 | 2/12/2026 | 6.0244 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | A16BC092-6FB5-4657-9460-A6A881FE6C24 |
| 172 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 7.0592 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 231FA2A5-A2A5-4B16-B01B-F1764B914A6E |
| 180 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 8.0292 | Employed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | A2A3D813-E43F-4208-900F-5E521D49ECD1 |
| 181 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | Not Applicable | No | Yes | 4490 | 2/10/2026 | 6.9416 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | E387286E-0E66-4A87-AD6D-5B9ECE6DD790 |
| 183 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 6.385 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 0C27BBA4-DF24-4704-9D64-C9BB9B7054B5 |
| 184 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 6.2596 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 3A97E96C-ABCE-4484-9DB3-F68055C24846 |
| 185 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.8435 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | 51B6EF9D-6449-4FF1-89FD-E7B7DBD889D6 |
| 187 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.9469 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | E84CAC45-61BB-4DE4-A066-D685B8D3C8CF |
| 189 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 6.787 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 | 120971D2-17C1-47AD-957D-02F46E22FCC5 |
| 190 | XXXX | QM: Safe Harbor (APOR) | No | XX/XX/XXXX | Not Applicable | No | Yes | 274.95 | 3/2/2026 | 6.2614 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | 456DE08A-E43D-4C00-96FB-7D58207A0F33 |
| 191 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.9891 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 9AF6E574-F6AE-4912-A36C-2161A93BCBF0 |
| 192 | XXXX | Non-QM: Lender documented all ATR UW factors | No | XX/XX/XXXX | Not Applicable | No | No | 1499 | 3/10/2026 | 8.9814 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | D35877E6-1491-4C91-8B2F-31CA1C20B0C4 |
| 193 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | Not Applicable | No | No | 0 | 1/1/1900 | 6.9325 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | 636687A5-9AD6-43FC-8BD2-8B7DF9BF791A |
| 194 | XXXX | ATR/QM: Exempt | No | XX/XX/XXXX | XX/XX/XXXX | No | No | 0 | 1/1/1900 | 6.9455 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | D222530D-0F24-475F-9934-DDD3C2DA180F |

---

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

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

---

| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *19* |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** | **Full Diligence ID** |
| 28 | XXXX | XXXX | Original Term | 30 | 360 | 586E7D14-21B0-4253-A8EB-74E6770B026C |
| 64 | XXXX | XXXX | Debt to Income Ratio (Back) | 45.2330 | 40.4213 | 3B471AE0-1524-455C-8834-58D24B976F30 |
| 92 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | 385695F5-AA8D-40FE-A939-C44CAED7B5E1 |
| 92 | XXXX | XXXX | Property Type | Condotel | Low Rise Condo (1-4) | 385695F5-AA8D-40FE-A939-C44CAED7B5E1 |
| 105 | XXXX | XXXX | Debt to Income Ratio (Back) | 45.2330 | 40.7566 | 3B2C4304-0217-4E98-90C1-82DCC48B50C3 |
| 113 | XXXX | XXXX | Borrower 1 Last Name | XXXX | XXXX | B269818D-3D9C-4A58-8852-81D70B0EF896 |
| 123 | XXXX | XXXX | Debt to Income Ratio (Back) | 46.7580 | 39.4 | B0879765-EEB9-4356-AD32-9326529D4E0F |
| 123 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | B0879765-EEB9-4356-AD32-9326529D4E0F |
| 123 | XXXX | XXXX | Note Interest Only Term | 0 | 120 | B0879765-EEB9-4356-AD32-9326529D4E0F |
| 130 | XXXX | XXXX | Documentation Type | Alt Doc/Bank Statements | Full Doc | 65FAD9EE-A5A4-4D18-A5D4-36E42DDA6CA4 |
| 139 | XXXX | XXXX | Debt to Income Ratio (Back) | 38.8500 | 42.0651 | 4AA1298A-E0C6-4CA1-9616-ECFE3ADFA8BF |
| 148 | XXXX | XXXX | Original Term | 30 | 360 | 9C33A100-0270-47C2-975C-893238A3F9B7 |
| 150 | XXXX | XXXX | Original Term | 30 | 360 | FA8B812F-316E-4B06-88A7-10D5424F2C8D |
| 154 | XXXX | XXXX | Occupancy Type | Primary | Investor | 27E22023-DCD2-4661-9818-561ABBF18BFC |
| 154 | XXXX | XXXX | Original Term | 30 | 360 | 27E22023-DCD2-4661-9818-561ABBF18BFC |
| 154 | XXXX | XXXX | Property Type | Low Rise Condo (1-4) | High Rise Condo (9+) | 27E22023-DCD2-4661-9818-561ABBF18BFC |
| 164 | XXXX | XXXX | Original Term | 30 | 360 | A1218C03-84BC-41EC-BCC7-FDB362F7A470 |
| 171 | XXXX | XXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | A16BC092-6FB5-4657-9460-A6A881FE6C24 |
| 180 | XXXX | XXXX | Note Rate | 6.7500 | 7.75 | A2A3D813-E43F-4208-900F-5E521D49ECD1 |
| 180 | XXXX | XXXX | Property Type | SFR | 2 Family | A2A3D813-E43F-4208-900F-5E521D49ECD1 |
| 181 | XXXX | XXXX | Origination Date | XX/XX/XXXX | XX/XX/XXXX | E387286E-0E66-4A87-AD6D-5B9ECE6DD790 |
| 181 | XXXX | XXXX | Property Type | SFR | Low Rise Condo (1-4) | E387286E-0E66-4A87-AD6D-5B9ECE6DD790 |
| 185 | XXXX | XXXX | Property Type | SFR | 2 Family | 51B6EF9D-6449-4FF1-89FD-E7B7DBD889D6 |
| 187 | XXXX | XXXX | Documentation Type | Full Doc | DSCR | E84CAC45-61BB-4DE4-A066-D685B8D3C8CF |
| 187 | XXXX | XXXX | Property Type | SFR | 2 Family | E84CAC45-61BB-4DE4-A066-D685B8D3C8CF |
| 191 | XXXX | XXXX | Documentation Type | Asset Depletion | DSCR | 9AF6E574-F6AE-4912-A36C-2161A93BCBF0 |
| 192 | XXXX | XXXX | Original Term | 30 | 360 | D35877E6-1491-4C91-8B2F-31CA1C20B0C4 |

---

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

## Exhibit 99.3

**Exhibit 99.3 Schedule 6**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *30* |
| ***Loans with Conditions:*** | *15* |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** | **Full Diligence ID** |
| 28 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | 586E7D14-21B0-4253-A8EB-74E6770B026C |
| 36 | XXXX | XX/XX/XXXX | Not Applicable C B | C | B C A | C | B | Not Applicable | 14ABAEF7-B198-4C1B-96A5-E615E468ECAA |
| 64 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | Not Applicable | 3B471AE0-1524-455C-8834-58D24B976F30 |
| 92 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | 385695F5-AA8D-40FE-A939-C44CAED7B5E1 |
| 105 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | 3B2C4304-0217-4E98-90C1-82DCC48B50C3 |
| 113 | XXXX | XX/XX/XXXX | Not Applicable D C | A | A D C | A | A | Not Applicable | B269818D-3D9C-4A58-8852-81D70B0EF896 |
| 122 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | 17035E98-C4E8-4D26-8181-73124B99C585 |
| 123 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | B0879765-EEB9-4356-AD32-9326529D4E0F |
| 130 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | C | A C | C | A | Not Applicable | 65FAD9EE-A5A4-4D18-A5D4-36E42DDA6CA4 |
| 138 | XXXX | XX/XX/XXXX | Not Applicable D | A | A D | A | A | Not Applicable | CFDC6B58-CE9B-48ED-8993-575006B45AB7 |
| 139 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | 4AA1298A-E0C6-4CA1-9616-ECFE3ADFA8BF |
| 148 | XXXX | XX/XX/XXXX | Not Applicable C | C | A C | C | A | Not Applicable | 9C33A100-0270-47C2-975C-893238A3F9B7 |
| 150 | XXXX | XX/XX/XXXX | Not Applicable D | D | A D | D | A | Not Applicable | FA8B812F-316E-4B06-88A7-10D5424F2C8D |
| 153 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | C58CE17B-6ADD-4308-9D7B-FE0C63B7A3B1 |
| 154 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | 27E22023-DCD2-4661-9818-561ABBF18BFC |
| 164 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | A1218C03-84BC-41EC-BCC7-FDB362F7A470 |
| 171 | XXXX | XX/XX/XXXX | Not Applicable D | D | A D | D | A | Not Applicable | A16BC092-6FB5-4657-9460-A6A881FE6C24 |
| 172 | XXXX | XX/XX/XXXX | Not Applicable C | A | A C | A | A | Not Applicable | 231FA2A5-A2A5-4B16-B01B-F1764B914A6E |
| 180 | XXXX | XX/XX/XXXX | Not Applicable | N/A | N/A | N/A | N/A | Not Applicable | A2A3D813-E43F-4208-900F-5E521D49ECD1 |
| 181 | XXXX | XX/XX/XXXX | Not Applicable C | B | A C | B | A | Not Applicable | E387286E-0E66-4A87-AD6D-5B9ECE6DD790 |
| 183 | XXXX | XX/XX/XXXX | Not Applicable D | A | A D | A | A | Not Applicable | 0C27BBA4-DF24-4704-9D64-C9BB9B7054B5 |
| 184 | XXXX | XX/XX/XXXX | Not Applicable D | A | A D | A | A | Not Applicable | 3A97E96C-ABCE-4484-9DB3-F68055C24846 |
| 185 | XXXX | XX/XX/XXXX | XX/XX/XXXX D A C | D | A D C | D | A | Not Applicable | 51B6EF9D-6449-4FF1-89FD-E7B7DBD889D6 |
| 187 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | E84CAC45-61BB-4DE4-A066-D685B8D3C8CF |
| 189 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | 120971D2-17C1-47AD-957D-02F46E22FCC5 |
| 190 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | 456DE08A-E43D-4C00-96FB-7D58207A0F33 |
| 191 | XXXX | XX/XX/XXXX | XX/XX/XXXX A | A | A | A | A | Not Applicable | 9AF6E574-F6AE-4912-A36C-2161A93BCBF0 |
| 192 | XXXX | XX/XX/XXXX | Not Applicable | A | A | A | A | Not Applicable | D35877E6-1491-4C91-8B2F-31CA1C20B0C4 |
| 193 | XXXX | XX/XX/XXXX | Not Applicable C | A | A C | A | A | Not Applicable | 636687A5-9AD6-43FC-8BD2-8B7DF9BF791A |
| 194 | XXXX | XX/XX/XXXX | XX/XX/XXXX C A | A | A C | A | A | Not Applicable | D222530D-0F24-475F-9934-DDD3C2DA180F |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans (as defined in (2) below) originated by multiple correspondent lenders and acquired directly via reliance letter by Rithm Capital, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted on Loans with origination dates from November 2025 through March 2026 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained seventy-five (75) Loans totaling an aggregate original principal balance of approximately $41.447 million (the "Loans").

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), Fitch Ratings, Inc. ("Fitch") and KBRA, Inc. ("Kroll").

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

AMC compared data fields on the bid tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. This comparison, when data was available (please note that not all fields were available for all Loans during the Review) and relevant for the Scope in question, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original P&I |  |

---

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

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

AMC reviewed mortgage loan origination documentation to determine conformity with 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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

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

---

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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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. |

---

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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.

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**(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):

* Initial application (1003);

* Underwriting summary / loan approval (1008);

* Credit report;

* Income and employment documentation;

* 4506T;

* Asset documentation;

* Sales contract;

* Hazard and/or flood insurance policies;

* Copy of note for any junior liens;

* Appraisal;

* Title/Preliminary Title;

* Final 1003;

* Changed circumstance documentation;

* Right of Rescission Disclosure;

* Mortgage/Deed of Trust;

* Note;

* Mortgage Insurance;

* Tangible Net Benefit Disclosure;

* Subordination Agreement;

* FACTA disclosures;

* Notice of Special Flood Hazards;

* Initial and final GFE's;

* HUD from sale of previous residence;

* Final HUD-1;

* Initial TIL;

* Final TIL;

* Loan Estimates;

* Closing Disclosures; and

* Certain other disclosures related to the enumerated
tests set forth herein.

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

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

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in 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.).

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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** 

**OVERALL REVIEW RESULTS SUMMARY**

Of the seventy-five (75) Loans reviewed, all seventy-five (75) Loans or (100%) received an overall "A" or "B" grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;70 | &nbsp;&nbsp;93.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** |

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**COMPLIANCE RESULTS SUMMARY**

Fifty-three (53) Loans are DSCR loans and will not have a compliance grade.

Of the twenty-two (22) Loans reviewed for compliance, all twenty-two (22) Loans or (100%) received an "A" compliance grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**100.00%** |

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**CREDIT RESULTS SUMMARY**

All seventy-five (75) Loans (100%) reviewed received an "A" or "B" credit grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;70 | &nbsp;&nbsp;93.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** |

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**PROPERTY/VALUATION RESULTS SUMMARY**

All seventy-five (75) Loans (100%) reviewed under the applicable rating agency criteria, received an "A" property grade.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** |

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**EXCEPTION CATEGORY SUMMARY** 

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

overall loan grade of "B").

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
|  |  | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***8*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**8** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**8** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

The seventy-five (75) Loans reviewed had a total of ninety-five (95) different tape discrepancies across eight (8) data fields (some Loans had more than one data delta). The largest variances were found on Note Date, Borrower Last Name and Contract Sales Price, where the data tape information did not coincide with the documentation type found in the loan file.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;22 | &nbsp;&nbsp;18.18% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;26 | &nbsp;&nbsp;75 | &nbsp;&nbsp;34.67% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;10 | &nbsp;&nbsp;75 | &nbsp;&nbsp;13.33% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;53 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;53 | &nbsp;&nbsp;3.77% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;68 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;41 | &nbsp;&nbsp;53 | &nbsp;&nbsp;77.36% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;22 | &nbsp;&nbsp;13.64% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;53 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;68 | &nbsp;&nbsp;2.94% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;68 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;7 | &nbsp;&nbsp;50 | &nbsp;&nbsp;14.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**95** | &nbsp;&nbsp;**1551** | &nbsp;&nbsp;**6.13%** | &nbsp;&nbsp;**75** |

---

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

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$41446738.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$41446738.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$41446738.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$41446738.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;37 | &nbsp;&nbsp;49.33% | &nbsp;&nbsp;$18794700.00 | &nbsp;&nbsp;45.35% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.67% | &nbsp;&nbsp;$2645000.00 | &nbsp;&nbsp;6.38% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;23 | &nbsp;&nbsp;30.67% | &nbsp;&nbsp;$10618303.00 | &nbsp;&nbsp;25.62% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;13 | &nbsp;&nbsp;17.33% | &nbsp;&nbsp;$9388735.00 | &nbsp;&nbsp;22.65% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$41446738.00** | &nbsp;&nbsp;**100.00%** |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;75 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$41446738.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$41446738.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;36 | &nbsp;&nbsp;48.00% | &nbsp;&nbsp;$18755710.00 | &nbsp;&nbsp;45.25% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.67% | &nbsp;&nbsp;$930000.00 | &nbsp;&nbsp;2.24% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.33% | &nbsp;&nbsp;$176250.00 | &nbsp;&nbsp;0.43% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;18 | &nbsp;&nbsp;24.00% | &nbsp;&nbsp;$11285208.00 | &nbsp;&nbsp;27.23% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.33% | &nbsp;&nbsp;$680000.00 | &nbsp;&nbsp;1.64% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;11 | &nbsp;&nbsp;14.67% | &nbsp;&nbsp;$4675870.00 | &nbsp;&nbsp;11.28% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;6 | &nbsp;&nbsp;8.00% | &nbsp;&nbsp;$4943700.00 | &nbsp;&nbsp;11.93% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$41446738.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;14 | &nbsp;&nbsp;18.67% | &nbsp;&nbsp;$12518158.00 | &nbsp;&nbsp;30.20% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;57 | &nbsp;&nbsp;76.00% | &nbsp;&nbsp;$25477580.00 | &nbsp;&nbsp;61.47% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;4 | &nbsp;&nbsp;5.33% | &nbsp;&nbsp;$3451000.00 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$41446738.00** | &nbsp;&nbsp;**100.00%** |

---

15 \| P a g e

## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| |
|:---|
| ![](ex99-4sch1_001.jpg) |
| **Valuation Report** |
| **Run Date - 4/17/2026 8:05:32 AM** |

---

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 813 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 822 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 811 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 821 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 818 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 832 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 829 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 838 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 881 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 853 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 865 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 |
| 830 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 817 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 828 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 867 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1.070% | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 809 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 835 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 855 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| 841 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| 878 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 873 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 876 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 877 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 859 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 850 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 13.400% | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 815 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 820 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 823 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 807 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 824 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 808 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 847 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 857 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.30 |
| 860 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| 864 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 836 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 880 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 862 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 840 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 842 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 845 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 849 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 848 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 826 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 879 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.60 |
| 827 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 834 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 810 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 870 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 854 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 871 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 814 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| 819 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 846 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 825 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 852 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 866 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 839 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 10.500% | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 851 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 869 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 837 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 863 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | XXXX | 7.550% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| 856 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 868 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 812 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 872 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 875 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 874 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 843 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 816 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Field Review | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 861 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 844 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 833 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 858 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 831 | XXXX | XXXX | XXXX |  | XX/XX/XXXX | XXXX |  | XXXX |  | $0.00 | 0.000% | XXXX | XX/XX/XXXX | XX/XX/XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | $0.00 | 0.000% | XX/XX/XXXX | XX/XX/XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| |
|:---|
| ![](ex99-4sch2_001.jpg) |
| **ASF Addendum - Business Purpose** |
| **Run Date - 4/17/2026 8:05:35 AM** |

---

---

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| Marketing ID | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| 813 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $3000.00 | 1004/70 | $3000.00 | Third Party Rental Source | $2682.21 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $2682.21 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $565.25 | $133.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 3.48 |  |  | 729 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/04/2025 | 741 | Fair Isaac (VER. 2) | 676 | FICO Classic V5 Facta | 729 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 3.1 | C1 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 822 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $5100.00 | 1025/72 | $5100.00 | Third Party Rental Source | $3214.64 |  | 0.000000 | 0.63 |  |  | 1.59 | 1.59 | $3214.64 |  |  | No |  |  |  | Long Term |  | $1500.00 | No |  |  |  | Long Term |  | $3600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $929.09 | $162.17 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 24.41 | US Citizen |  | 651 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/17/2025 | 674 | Fair Isaac (VER. 2) | 651 | FICO Classic V5 Facta | 622 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 2 | XXXX | XXXX | 5 | 3 | C4 |  | $0.00 |  |  |  |  |  |  |  | 33.898% | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |
| 811 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $10900.00 | 1025/72 | $10900.00 | Third Party Rental Source | $13652.00 |  | 0.000000 | 1.25 |  |  | 0.80 | 0.8 | $13652.00 |  |  | No |  |  |  | Long Term |  | $2900.00 | No |  |  |  | Long Term |  | $4000.00 | No |  |  |  | Long Term |  | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $2441.62 | $334.25 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 738 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 10/17/2025 | 738 | Fair Isaac (VER. 2) | 725 | FICO Classic V5 Facta | 743 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXXX | 3 | XXXX | XXXX | 10 | 5 | Average | XXXX | $0.00 |  |  |  |  |  |  |  | 70.000% | XXXX |  |  | 70.000% |  |  | 70.000% |  |  |  |  |  |  |  |  |
| 832 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes |  |  |  |  |  |  |  | $2140.56 |  | 0.007598 |  |  |  |  |  | $2140.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $228.00 | $330.87 | $110.17 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  |  |  |  | 750 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | LLC | Business Entity | Unemployed |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 12/04/2025 | 752 | Fair Isaac (VER. 2) | 750 | FICO Classic V5 Facta | 741 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C1 | XXXX |  | $304087.74 |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes |  |  |  |  |  |  |  | $5322.52 |  | 0.476024 |  |  |  |  |  | $5322.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $270.00 | $439.87 | $99.25 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 0.14 |  |  | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | LLC | Business Entity | Unemployed |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX |  | Full Recourse | 4 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 12/17/2025 | 767 | Fair Isaac (VER. 2) | 760 | FICO Classic V5 Facta | 781 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 5 | 3.1 | C3 |  |  | $42423.14 |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  | $5220.18 |  | 0.417772 |  |  |  |  |  | $5220.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $819.48 | $102.23 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 0.13 | US Citizen |  | 763 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Individual | Individual | Employed | XXXX | XXXX | 8 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/16/2026 | 715 | Fair Isaac (VER. 2) | 763 | FICO Classic V5 Facta | 771 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 |  |  | $139030.00 |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 878 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes |  |  |  |  |  |  |  | $2143.96 |  | 0.059299 |  |  |  |  |  | $2143.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $13.33 | $299.96 | $83.83 | Level 4-Stated/Verified as defined |  |  |  | No | No | No |  |  | Non-Permanent Resident Alien | Permanent Resident Alien | 741 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXX | Individual | Individual | Employed | XXXX | XXXX | 2 | Non-Permanent Resident Alien | Employment Authorization | XXXX | Level 4-Stated/Verified as defined | 02/04/2026 | 742 | Fair Isaac (VER. 2) | 710 | Beacon 5 | 741 | FICO Risk Score Classic 04 | Individual | Individual | Unemployed | XXXX | XXXX | 2 | Permanent Resident Alien | Resident Alien Card |  | Level 4-Stated/Verified as defined | 02/04/2026 | 776 | Fair Isaac (VER. 2) | 775 | Beacon 5 | 755 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 2 | 1.1 | C4 | XXXX |  | $134961.59 |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 815 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $1500.00 | 1004/70 | $1500.00 | Third Party Rental Source | $1093.89 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | $1093.89 |  |  | No |  |  |  | Long Term |  | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $75.77 | $186.90 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 0.64 | US Citizen |  | 704 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/04/2025 | 679 | Fair Isaac (VER. 2) | 722 | FICO Classic V5 Facta | 704 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 63.380% | XXXX |  |  | 167.702% | XXXX |  |  |  |  |  |  |  |  |  |  |
| 820 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $8110.00 | $6250.00 | 1025/72 | $6250.00 | Third Party Rental Source | $6218.72 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $6218.72 |  |  | Yes | 06/01/2025 | 06/01/2026 | 12 | Long Term | $5250.00 | $4500.00 | Yes | 05/01/2025 | 05/01/2026 | 12 | Long Term | $2860.00 | $1750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | No |  | $781.41 | $181.88 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No | No |  | Experienced Investor | 10.05 | US Citizen |  | 716 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | 11/03/2025 | 707 | Fair Isaac (VER. 2) | 716 | FICO Classic V5 Facta | 742 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 2 | XXXX | XXXX | 5 | 4 | Average |  | $0.00 |  |  |  |  |  |  |  | 78.818% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 823 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $3150.00 | 1004/70 | $3150.00 | Third Party Rental Source | $3017.17 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $3017.17 |  |  | No |  |  |  | Long Term |  | $3150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $448.20 | $127.08 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | First-Time Investor | 0.46 |  |  | 739 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 09/05/2025 | 751 | FICO II | 739 | Beacon 5 | 718 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 4 | 3 | C2 |  | $0.00 |  |  |  |  |  |  |  | 118.966% | XXXX |  |  | 118.966% | XXXX |  |  |  |  |  |  |  |  |  |  |
| 807 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $7700.00 | 1025/72 | $7700.00 | Third Party Rental Source | $7241.48 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | $7241.48 |  |  | No |  |  |  | Long Term |  | $2300.00 | No |  |  |  | Long Term |  | $2900.00 | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $742.54 | $277.49 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 760 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/13/2025 | 763 | Fair Isaac (VER. 2) | 758 | FICO Classic V5 Facta | 760 | FICO Risk Score Classic 04 | Individual | Individual |  | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/13/2025 | 751 | Fair Isaac (VER. 2) | 756 | FICO Classic V5 Facta | 765 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXXX | 3 | XXXX | XXXX | 6 | 3 | Average | XXXX | $0.00 |  |  |  |  |  |  |  | 80.000% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 824 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $1900.00 | $1770.00 | 1004/70 | $1900.00 | Rent on Existing Lease | $1862.46 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $1862.46 |  |  | Yes | 06/10/2025 | 06/30/2026 | 12 | Long Term | $1900.00 | $1770.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $207.98 | $119.90 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 17.22 | US Citizen |  | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/02/2025 | 780 | Fair Isaac | 767 | Beacon 5 | 764 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XXXX |  |  | 135.200% | XXXX |  |  |  |  |  |  |  |  |  |  |
| 808 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $2800.00 | 1004/70 | $2800.00 | Third Party Rental Source | $3402.44 |  | 0.000000 | 1.22 |  |  | 0.82 | 0.82 | $3402.44 |  |  | No |  |  |  | Long Term |  | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $567.85 | $268.26 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.98 |  |  | 743 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 81.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/06/2025 | 749 | FICO II | 729 | Beacon 5 | 743 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 3.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |
| 847 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $7500.00 | $5325.00 | 1004/70 | $7500.00 | Rent on Existing Lease | $5784.28 |  | 0.000000 | 0.77 |  |  | 1.30 | 1.3 | $5784.28 |  |  | Yes | 01/20/2026 | 01/20/2027 | 12 | Long Term | $7500.00 | $5325.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $808.77 | $256.42 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 1.61 | US Citizen |  | 718 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/02/2026 | 726 | Fair Isaac (VER. 2) | 718 | FICO Classic V5 Facta | 698 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 4 | 3.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 64.934% | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |
| 857 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $2400.00 | 1004/70 | $2400.00 | Third Party Rental Source | $1910.58 |  | 0.000000 | 0.8 |  |  | 1.26 | 1.26 | $1910.58 |  |  | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $316.22 | $204.67 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.64 |  |  | 753 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/07/2025 | 740 | Fair Isaac (VER. 2) | 753 | FICO Classic V5 Facta | 773 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 5 | 3 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $2650.00 | 1004/70 | $2650.00 | Third Party Rental Source | $2394.45 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $2394.45 |  |  | No |  |  |  | Long Term |  | $2650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | Yes | $123.00 | $586.08 | $87.79 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 703 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/13/2026 | 703 | Fair Isaac (VER. 2) | 708 | FICO Classic V5 Facta | 692 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | 50.000% | XXXX |  |  | 50.000% |  |  | 50.000% |  |  |  |  |  |  |  |  |
| 864 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $2750.00 | $2800.00 | 1004/70 | $2800.00 | Third Party Rental Source | $1968.44 |  | 0.000000 | 0.7 |  |  | 1.42 | 1.42 | $1968.44 |  |  | Yes | 05/01/2025 | 05/01/2027 | 24 | Long Term | $2750.00 | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $67.14 | $173.58 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 0.52 |  |  | 739 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 01/15/2026 | 759 | Fair Isaac (VER. 2) | 707 | Beacon 5 | 739 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 79.217% | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |
| 836 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $1500.00 | $1300.00 | 1004/70 | $1300.00 | Third Party Rental Source | $1108.79 |  | 0.000000 | 0.85 |  |  | 1.17 | 1.17 | $1108.79 |  |  | Yes | 12/01/2025 | 11/30/2026 | 12 | Long Term | $1500.00 | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $109.70 | $126.08 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.36 |  |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 81.00% | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/09/2025 | 741 | Fair Isaac (VER. 2) | 760 | FICO Classic V5 Facta | 758 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XXXX |  |  | 263.333% | XXXX |  |  |  |  |  |  |  |  |  |  |
| 880 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $1500.00 | 1004/70 | $1500.00 | Third Party Rental Source | $1476.73 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $1476.73 |  |  | No |  |  |  | Long Term |  | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $128.84 | $90.42 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No |  | Experienced Investor |  | US Citizen |  | 753 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 12/02/2025 | 720 | Fair Isaac (VER. 2) | 753 | FICO Classic V5 Facta | 780 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXXX | 1 | XXXX | XXXX | 2 | 1 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | 75.000% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 862 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $22000.00 | 1004/70 | $17600.00 | Multiple Sources | $7913.79 |  | 0.000000 | 0.45 |  |  | 2.22 | 2.22 | $7913.79 |  |  | Yes |  |  |  | Short Term Vacation Rental (e.g., AirBNB, VRBO, or HomeAway) |  | $22000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $983.24 | $420.25 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 3.18 | US Citizen |  | 769 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/08/2026 | 772 | Fair Isaac (VER. 2) | 769 | Beacon 5 | 758 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 4 | C3 |  | $0.00 |  |  |  |  |  |  |  | 51.629% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $2550.00 | 1004/70 | $2550.00 | Third Party Rental Source | $2543.46 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $2543.46 |  |  | No |  |  |  | Long Term |  | $2550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $301.44 | $88.67 | Level 3-Stated/Partially Verified | No | 1 | 11 | No | No |  | Experienced Investor | 1.12 | US Citizen |  | 759 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 10/14/2025 | 697 | Fair Isaac (VER. 2) | 773 | FICO Classic V5 Facta | 759 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 1.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $4600.00 | 1025/72 | $4600.00 | Third Party Rental Source | $3902.48 |  | 0.000000 | 0.85 |  |  | 1.18 | 1.18 | $3902.48 |  |  | No |  |  |  | Long Term |  | $1900.00 | No |  |  |  | Long Term |  | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $952.54 | $67.75 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 22.23 | US Citizen |  | 760 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 02/05/2026 | 742 | Fair Isaac (VER. 2) | 771 | FICO Classic V5 Facta | 760 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 2 | XXXX | XXXX | 5 | 2 | Average |  | $0.00 |  |  |  |  |  |  |  | 68.699% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $2250.00 | $2050.00 | 1004/70 | $2250.00 | Rent on Existing Lease | $2021.47 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $2021.47 |  |  | Yes | 12/26/2025 | 12/31/2026 | 12 | Long Term | $2250.00 | $2050.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $120.36 | $248.00 | Level 3-Stated/Partially Verified | No | 1 | 8 | No | No |  | Experienced Investor | 0.47 | US Citizen |  | 759 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 6 | US Citizen |  |  | Level 3-Stated/Partially Verified | 01/09/2026 | 759 | Fair Isaac (VER. 2) | 780 | FICO Classic V5 Facta | 750 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 64.545% | XXXX |  |  | 115.581% | XXXX |  |  |  |  |  |  |  |  |  |  |
| 849 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $3000.00 | 1025/72 | $3000.00 | Third Party Rental Source | $1689.36 |  | 0.000000 | 0.56 |  |  | 1.78 | 1.78 | $1689.36 |  |  | No |  |  |  | Long Term |  | $1500.00 | No |  |  |  | Long Term |  | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $111.80 | $256.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 796 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/07/2026 | 798 | Fair Isaac (VER. 2) | 796 | Beacon 5 | 786 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXXX | 2 | XXXX | XXXX | 4 | 2 | Good | XXXX | $0.00 |  |  |  |  |  |  |  | 75.000% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 848 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $4000.00 | $3650.00 | 1004/70 | $4000.00 | Rent on Existing Lease | $3123.53 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | $3123.53 |  |  | Yes | 01/20/2026 | 01/20/2027 | 12 | Long Term | $4000.00 | $3650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | Yes | $36.50 | $791.10 | $298.25 | Level 4-Stated/Verified as defined | No | 1 | 5 | No | No |  | Experienced Investor | 17.53 | US Citizen |  | 718 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/02/2026 | 726 | Fair Isaac (VER. 2) | 718 | FICO Classic V5 Facta | 698 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 4 | 3.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |
| 826 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $1800.00 | 1004/70 | $1800.00 | Third Party Rental Source | $1915.76 |  | 0.000000 | 1.06 |  |  | 0.94 | 0.94 | $1915.76 |  |  | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $203.00 | $87.67 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  | No | Experienced Investor | 22.54 |  | US Citizen | 732 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Trust | Business Entity |  |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual |  | XXXX | XXXX | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/07/2026 | 742 | Fair Isaac (VER. 2) | 728 | FICO Classic V5 Facta | 732 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 879 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $2000.00 | 1004/70 | $2000.00 | Third Party Rental Source | $1669.58 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $1669.58 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $245.83 | $143.17 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.56 |  |  | 668 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 100.00% | Full Recourse | 2 | Non-Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 01/02/2026 | 675 | Fair Isaac (VER. 2) | 661 | FICO Classic V5 Facta | 668 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 4 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 66.080% | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |
| 827 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $2950.00 | 1004/70 | $2950.00 | Third Party Rental Source | $2557.64 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $2557.64 |  |  | No |  |  |  | Long Term |  | $2950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $294.73 | $219.83 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | First-Time Investor | 0.53 | Non-Permanent Resident Alien |  | 724 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 2 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 10/31/2025 | 739 | Fair Isaac (VER. 2) | 724 | FICO Classic V5 Facta | 714 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 4 | 3 | C2 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XXXX |  |  | 146.512% | XXXX |  |  |  |  |  |  |  |  |  |  |
| 834 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $5250.00 | 1025/72 | $5250.00 | Third Party Rental Source | $5935.32 |  | 0.000000 | 1.13 |  |  | 0.88 | 0.88 | $5935.32 |  |  | No |  |  |  | Long Term |  | $2900.00 | No |  |  |  | Long Term |  | $2350.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $1194.21 | $228.92 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 741 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 01/26/2026 | 728 | Fair Isaac (VER. 2) | 742 | Beacon 5 | 741 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXXX | 2 | XXXX | XXXX | 4 | 2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | 75.000% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 810 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $12200.00 | $12200.00 | 1025/72 | $12200.00 | Rent on Existing Lease | $11800.80 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $11800.80 |  |  | Yes | 03/01/2026 | 03/31/2026 | 1 | Long Term | $4200.00 | $4200.00 | Yes | 08/01/2025 | 08/01/2026 | 12 | Long Term | $4000.00 | $4000.00 | Yes | 06/01/2025 | 06/01/2026 | 12 | Long Term | $4000.00 | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $945.12 | $367.46 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 699 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 01/14/2026 | 703 | Fair Isaac (VER. 2) | 699 | FICO Classic V5 Facta | 682 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXXX | 3 | XXXX | XXXX | 9 | 3 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | 75.000% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 870 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $3000.00 | 1004/70 | $3000.00 | Third Party Rental Source | $2445.40 |  | 0.000000 | 0.82 |  |  | 1.23 | 1.23 | $2445.40 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $437.81 | $124.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/13/2026 | 779 | Fair Isaac (VER. 2) | 753 | FICO Classic V5 Facta | 758 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | 73.810% | XXXX |  |  | 73.810% |  |  | 73.810% |  |  |  |  |  |  |  |  |
| 854 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term |  | $1950.00 | 1004/70 | $1950.00 | Third Party Rental Source | $1595.63 |  | 0.000000 | 0.82 |  |  | 1.22 | 1.22 | $1595.63 |  |  | Yes |  |  |  | Long Term |  | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $159.41 | $233.63 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 0.19 | US Citizen |  | 723 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 6 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/02/2026 | 723 | Fair Isaac (VER. 2) | 739 | FICO Classic V5 Facta | 701 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 1.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 871 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $1900.00 | 1004/70 | $1900.00 | Third Party Rental Source | $1602.73 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $1602.73 |  |  | No |  |  |  | Long Term |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $86.67 | $309.91 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.88 |  |  | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 100.00% | Full Recourse | 1 | Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 01/22/2026 | 738 | Fair Isaac (VER. 2) | 725 | FICO Classic V5 Facta | 735 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |
| 814 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $2100.00 | $2100.00 | 1004/70 | $2100.00 | Rent on Existing Lease | $1475.91 |  | 0.000000 | 0.7 |  |  | 1.42 | 1.42 | $1475.91 |  |  | Yes | 01/01/2026 | 12/31/2026 | 12 | Long Term | $2100.00 | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | Yes | $29.17 | $143.51 | $92.50 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.76 |  |  | 707 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 95.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/03/2025 | 620 | Fair Isaac (VER. 2) | 611 | FICO Classic V5 Facta | 660 | FICO Risk Score Classic 04 | 3 | XXXX | XXXX | 5.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/03/2025 | 760 | Fair Isaac (VER. 2) | 707 | FICO Classic V5 Facta | 704 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 4 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 65.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 819 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $2000.00 | $2000.00 | 1025/72 | $2000.00 | Rent on Existing Lease | $1306.92 |  | 0.000000 | 0.65 |  |  | 1.53 | 1.53 | $1306.92 |  |  | Yes |  |  |  | Long Term | $1100.00 | $1000.00 | Yes |  |  |  | Long Term | $900.00 | $1000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $193.83 | $158.66 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | First-Time Investor | 0.16 |  |  | 685 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/27/2025 | 669 | Fair Isaac (VER. 2) | 693 | FICO Classic V5 Facta | 685 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 2 | XXXX | XXXX | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |
| 846 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $3600.00 | $3800.00 | 1025/72 | $3800.00 | Third Party Rental Source | $2159.45 |  | 0.000000 | 0.57 |  |  | 1.76 | 1.76 | $2159.45 |  |  | Yes | 10/01/2025 | 09/30/2026 | 12 | Long Term | $1100.00 | $1200.00 | Yes | 11/01/2025 | 10/31/2026 | 12 | Long Term | $1300.00 | $1400.00 | Yes | 11/17/2025 | 10/31/2026 | 11 | Long Term | $1200.00 | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $275.00 | $258.55 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.37 |  |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/11/2025 | 743 | Fair Isaac (VER. 2) | 751 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 3 | XXXX | XXXX | 7 | 4 | Average |  | $0.00 |  |  |  |  |  |  |  | 123.750% | XXXX |  |  | 123.750% | XXXX |  |  |  |  |  |  |  |  |  |  |
| 825 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term |  | $3000.00 | 1025/72 | $3000.00 | Third Party Rental Source | $2355.72 |  | 0.000000 | 0.79 |  |  | 1.27 | 1.27 | $2355.72 |  |  | Yes |  |  |  | Long Term |  | $1500.00 | Yes |  |  |  | Long Term |  | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $147.87 | $180.42 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 19.19 | US Citizen |  | 675 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/29/2025 | 675 | Fair Isaac (VER. 2) | 669 | FICO Classic V5 Facta | 676 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 2 | XXXX | XXXX | 4 | 2 | Average |  | $0.00 |  |  |  |  |  |  |  | 55.037% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $2300.00 | $2400.00 | 1025/72 | $2400.00 | Third Party Rental Source | $1456.36 |  | 0.000000 | 0.61 |  |  | 1.65 | 1.65 | $1456.36 |  |  | Yes |  |  |  | Long Term | $1200.00 | $1200.00 | Yes |  |  |  | Long Term | $1100.00 | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $394.05 | $104.21 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 01/12/2026 | 708 | Fair Isaac (VER. 2) | 737 | Beacon 5 | 735 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXXX | 2 | XXXX | XXXX | 4 | 2 | C4 | XXXX | $0.00 |  |  |  |  |  |  |  | 80.000% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 866 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $5700.00 | $6000.00 | 1025/72 | $6000.00 | Third Party Rental Source | $5587.90 |  | 0.000000 | 0.93 |  |  | 1.07 | 1.07 | $5587.90 |  |  | Yes |  |  |  | Long Term | $2500.00 | $2500.00 | Yes |  |  |  | Long Term | $3200.00 | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $709.42 | $181.92 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 5.36 | US Citizen |  | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/11/2025 | 735 | FICO II | 733 | Beacon 5 | 748 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 2 | XXXX | XXXX | 5 | 2.1 | Average |  | $0.00 |  |  |  |  |  |  |  | 74.947% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $1700.00 | $1500.00 | 1004/70 | $1500.00 | Third Party Rental Source | $1409.09 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | $1409.09 |  |  | Yes | 01/15/2026 | 01/14/2027 | 12 | Long Term | $1700.00 | $1500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $364.22 | $113.54 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  |  | Experienced Investor | 1.09 |  |  | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 100.00% | Full Recourse | 6 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/22/2025 | 783 | Fair Isaac (VER. 2) | 792 | FICO Classic V5 Facta | 739 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XXXX |  |  | 116.667% | XXXX |  |  |  |  |  |  |  |  |  |  |
| 851 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $5200.00 | 1025/72 | $5200.00 | Third Party Rental Source | $3879.90 |  | 0.000000 | 0.75 |  |  | 1.34 | 1.34 | $3879.90 |  |  | No |  |  |  | Long Term |  | $2600.00 | No |  |  |  | Long Term |  | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $801.27 | $156.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 812 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 01/12/2026 | 831 | Fair Isaac (VER. 2) | 811 | FICO Classic V5 Facta | 812 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXXX | 2 | XXXX | XXXX | 6 | 2 | Average | XXXX | $0.00 |  |  |  |  |  |  |  | 80.000% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 869 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $4000.00 | $2600.00 | 1004/70 | $2600.00 | Third Party Rental Source | $2257.00 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $2257.00 |  |  | Yes | 08/01/2025 | 08/01/2027 | 24 | Long Term | $4000.00 | $2600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $194.59 | $61.33 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No |  | Experienced Investor | 1.77 | Non-Permanent Resident Alien |  | 723 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 3 | Non-Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | 01/20/2026 | 694 | Fair Isaac (VER. 2) | 723 | FICO Classic V5 Facta | 738 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 65.000% | XXXX |  |  | 59.091% | XXXX |  |  |  |  |  |  |  |  |  |  |
| 837 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $2300.00 | $2400.00 | 1025/72 | $2400.00 | Third Party Rental Source | $1315.12 |  | 0.000000 | 0.55 |  |  | 1.82 | 1.82 | $1315.12 |  |  | Yes | 09/08/2025 | 09/08/2026 | 12 | Long Term | $750.00 | $800.00 | Yes | 08/16/2025 | 08/16/2026 | 12 | Long Term | $750.00 | $800.00 | Yes | 08/18/2025 | 08/18/2026 | 12 | Long Term | $800.00 | $800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $78.20 | $104.25 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.53 |  |  | 707 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/15/2025 | 731 | Fair Isaac (VER. 2) | 707 | FICO Classic V5 Facta | 693 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 3 | XXXX | XXXX | 3 | 3 | Good |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $2400.00 | $2300.00 | 1004/70 | $2300.00 | Third Party Rental Source | $3672.79 |  | 0.000000 | 1.6 |  |  | 0.63 | 0.63 | $3672.79 |  |  | Yes |  |  |  | Long Term | $2400.00 | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $413.12 | $307.83 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 19.75 | US Citizen |  | 776 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/12/2025 | 780 | Fair Isaac (VER. 2) | 776 | FICO Classic V5 Facta | 755 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 2.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $1900.00 | 1004/70 | $1900.00 | Third Party Rental Source | $1877.25 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1877.25 |  |  | No |  |  |  | Long Term |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | Yes | $35.42 | $558.43 | $181.84 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 720 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 01/13/2026 | 728 | Fair Isaac (VER. 2) | 694 | FICO Classic V5 Facta | 720 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXXX | 1 | XXXX | XXXX | 3 | 2 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | 75.000% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 868 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $2850.00 | $2400.00 | 1073/465 | $2850.00 | Rent on Existing Lease | $2670.14 |  | 0.000000 | 0.94 |  |  | 1.07 | 1.07 | $2670.14 |  |  | Yes | 03/01/2026 | 02/28/2027 | 12 | Long Term | $2850.00 | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | Yes | $892.00 | $400.50 | $175.30 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | 703 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 2 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 01/13/2026 | 697 | Fair Isaac (VER. 2) | 728 | Beacon 5 | 703 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXXX | 1 | XXXX | XXXX | 1 | 2 | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | 75.000% | XXXX |  |  | 75.000% |  |  | 75.000% |  |  |  |  |  |  |  |  |
| 812 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $6025.00 | 1025/72 | $6025.00 | Third Party Rental Source | $5288.92 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $5288.92 |  |  | No |  |  |  | Long Term |  | $2800.00 | No |  |  |  | Long Term |  | $3225.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $924.00 | $276.12 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 707 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Corp | Business Entity |  |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 100.00% | Full Recourse | 1 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/24/2025 | 707 | FICO II | 722 | Beacon 5 | 687 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXXX | 2 | XXXX | XXXX | 6 | 2 | Good | XXXX | $0.00 |  |  |  |  |  |  |  | 80.000% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 872 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $13972.00 | 1004/70 | $13972.00 | Third Party Rental Source | $9577.78 |  | 0.000000 | 0.69 |  |  | 1.46 | 1.46 | $9577.78 |  |  | No |  |  |  | Long Term |  | $13972.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | Yes | $457.00 | $751.06 | $250.52 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor | 2.18 |  |  | 773 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 95.00% | Full Recourse | 2 | Non-Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/16/2025 | 773 | Fair Isaac (VER. 2) | 775 | FICO Classic V5 Facta | 765 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 12 | 11.1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 73.970% | XXXX |  |  | 84.172% | XXXX |  |  |  |  |  |  |  |  |  |  |
| 875 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Short Term |  | $13972.00 | 1004/70 | $11177.60 | Multiple Sources | $9585.25 |  | 0.000000 | 0.86 |  |  | 1.17 | 1.17 | $9585.25 |  |  | No |  |  |  | Short Term |  | $13972.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | Yes | $457.00 | $751.96 | $257.09 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 2.12 |  |  | 773 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 95.00% | Full Recourse | 2 | Non-Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/16/2025 | 773 | Fair Isaac (VER. 2) | 775 | FICO Classic V5 Facta | 765 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 12 | 11.1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 73.970% | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |
| 874 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Short Term |  | $13972.00 | 1004/70 | $11177.60 | Multiple Sources | $9723.05 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $9723.05 |  |  | No |  |  |  | Short Term |  | $13972.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | Yes | $457.00 | $737.88 | $325.82 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor | 2.05 |  |  | 773 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/16/2025 | 773 | Fair Isaac (VER. 2) | 775 | FICO Classic V5 Facta | 765 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 12 | 11.1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 74.727% | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |
| 843 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $7100.00 | 1025/72 | $7100.00 | Third Party Rental Source | $6557.25 |  | 0.000000 | 0.92 |  |  | 1.08 | 1.08 | $6557.25 |  |  | No |  |  |  | Long Term |  | $2600.00 | No |  |  |  | Long Term |  | $2300.00 | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $1047.92 | $333.25 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor | 0.35 |  |  | 756 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/08/2025 | 757 | FICO II | 756 | Beacon 5 | 743 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 3 | XXXX | XXXX | 7 | 3 | Average |  | $0.00 |  |  |  |  |  |  |  | 85.000% | XXXX |  |  | 127.876% | XXXX |  |  |  |  |  |  |  |  |  |  |
| 816 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $6000.00 | 1004/70 | $6000.00 | Third Party Rental Source | $4990.03 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $4990.03 |  |  | No |  |  |  | Long Term |  | $6000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | No |  | $496.67 | $139.25 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No | No | First-Time Investor |  | Permanent Resident Alien | US Citizen | 797 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 11/06/2025 | 797 | FICO II | 796 | Beacon 5 | 798 | FICO Risk Score Classic 04 | Individual | Individual |  | XXXX | XXXX | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/06/2025 | 717 | FICO II | 719 | Beacon 5 | 717 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXXX | 1 | XXXX | XXXX | 3 | 1 | C3 | XXXX | $0.00 |  |  |  |  |  |  |  | 80.000% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 861 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $3000.00 | $2500.00 | 1004/70 | $3000.00 | Rent on Existing Lease | $2762.76 |  | 0.000000 | 0.92 |  |  | 1.09 | 1.09 | $2762.76 |  |  | Yes | 03/05/2026 | 03/05/2027 | 12 | Long Term | $3000.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | Yes | $75.00 | $334.59 | $97.08 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  |  | Experienced Investor | 0.35 |  |  | 752 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 100.00% | Full Recourse | 2 | Non-Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 01/16/2026 | 752 | Fair Isaac (VER. 2) | 691 | FICO Classic V5 Facta | 765 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 1.1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 138.587% | XXXX |  |  | 138.587% | XXXX |  |  |  |  |  |  |  |  |  |  |
| 844 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $2800.00 | $2800.00 | 1004/70 | $2800.00 | Rent on Existing Lease | $1584.44 |  | 0.000000 | 0.57 |  |  | 1.77 | 1.77 | $1584.44 |  |  | Yes |  |  |  | Long Term | $2800.00 | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $445.18 | $116.00 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 10.10 | US Citizen |  | 673 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/29/2025 | 675 | Fair Isaac (VER. 2) | 667 | Beacon 5 | 673 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 2 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 24.590% | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |
| 833 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $1800.00 | 1004/70 | $1800.00 | Third Party Rental Source | $1554.30 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $1554.30 |  |  | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $105.95 | $67.00 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 709 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | LLC | Business Entity |  |  | XXXX | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 03/05/2026 | 738 | Fair Isaac (VER. 2) | 704 | FICO Classic V5 Facta | 709 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | XXXX | 1 | XXXX | XXXX | 4 | 2.1 | C2 | XXXX | $0.00 |  |  |  |  |  |  |  | 80.000% | XXXX |  |  | 80.000% |  |  | 80.000% |  |  |  |  |  |  |  |  |
| 858 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | No | Long Term |  | $7100.00 | 1004/70 | $7100.00 | Third Party Rental Source | $7096.79 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $7096.79 |  |  | No |  |  |  | Long Term |  | $7100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | No |  | $983.27 | $97.27 | Level 3-Stated/Partially Verified | No | 1 | 6 | No | No |  | Experienced Investor | 3.34 | US Citizen |  | 745 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 5 | US Citizen |  |  | Level 3-Stated/Partially Verified | 01/14/2026 | 728 | FICO II | 760 | Beacon 5 | 745 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 8 | 4 | C2 |  | $0.00 |  |  |  |  |  |  |  | 85.000% | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |
| 831 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Long Term | $3500.00 | $2475.00 | 1004/70 | $3500.00 | Rent on Existing Lease | $3457.02 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $3457.02 |  |  | Yes | 03/03/2026 | 08/31/2026 | 5 | Long Term | $3500.00 | $2475.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | Yes | $66.67 | $297.90 | $89.17 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No | No | First-Time Investor | 0.64 | US Citizen | US Citizen | 753 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | XXXX | Individual | Individual |  | XXXX | XXXX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/09/2025 | 739 | Fair Isaac (VER. 2) | 753 | FICO Classic V5 Facta | 783 | FICO Risk Score Classic 04 | Individual | Individual |  | XXXX | XXXX | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/09/2025 | 749 | Fair Isaac (VER. 2) | 741 | FICO Classic V5 Facta | 771 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | XXXX | 1 | XXXX | XXXX | 3 | 3 | C1 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | XXXX |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-4sch3_001.jpg) |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** |  |  |  |  |  |  |  |  |
| **Run Date - 4/17/2026 8:05:32 AM** |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| 813 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  |  |  |  |  |  | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 822 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  |  |  |  |  |  | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 811 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  |  |  |  |  |  | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 821 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 818 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 832 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | A | A | A | A | A | B | A | A | A | A | A | A | A |
| 829 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | C | C | C | C | C | C | A | A | A | A | A | A | A |
| 838 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 881 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 853 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | C | C | C | C | C | C | A | A | A | A | A | A | A |
| 865 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | B | B | B | B | B | B | A | A | A | A | A | A | A |
| 830 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | C | C | C | C | D | C D | A | A | A | A | A | A | A |
| 817 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 828 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 867 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | C | C | C | C | C | C | A | A | A | A | A | A | A |
| 809 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 835 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 855 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | C | C | C | C | C | C | A | A | A | A | A | A | A |
| 841 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 878 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 873 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | C | C | C | C | C | C | A | A | A | A | A | A | A |
| 876 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | A | A | A | A | A | C | B | A | A | A | A | A | B |
| 877 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 859 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 850 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | A | A | A | A | A | B | A | A | A | A | A | A | A |
| 815 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  |  |  |  |  |  | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 820 | XXXX | XXXX | XXXX |  | XXXX | XXXX C D |  |  |  |  |  |  | C D | A | N/A | N/A | N/A | N/A | N/A | A |
| 823 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  |  |  |  |  |  | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 807 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  |  |  |  |  |  | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 824 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  |  |  |  |  |  | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 808 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  |  |  |  |  |  | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 847 | XXXX | XXXX | XXXX |  | XXXX | XXXX D |  | N/A | N/A | N/A | N/A | N/A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 857 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 860 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | N/A | N/A | N/A | N/A | N/A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 864 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 836 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 880 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 862 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 840 | XXXX | XXXX | XXXX |  | XXXX | XXXX B |  | N/A | N/A | N/A | N/A | N/A | B | A | N/A | N/A | N/A | N/A | N/A | A |
| 842 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 845 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 849 | XXXX | XXXX | XXXX |  | XXXX | XXXX C D |  | N/A | N/A | N/A | N/A | N/A | C D | A | N/A | N/A | N/A | N/A | N/A | A |
| 848 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | N/A | N/A | N/A | N/A | N/A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 826 | XXXX | XXXX | XXXX |  | XXXX | XXXX D |  | N/A | N/A | N/A | N/A | N/A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 879 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 827 | XXXX | XXXX | XXXX |  | XXXX | XXXX D |  | N/A | N/A | N/A | N/A | N/A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 834 | XXXX | XXXX | XXXX |  | XXXX | XXXX B |  | N/A | N/A | N/A | N/A | N/A | B | B | N/A | N/A | N/A | N/A | N/A | B |
| 810 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | N/A | N/A | N/A | N/A | N/A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 870 | XXXX | XXXX | XXXX |  | XXXX | XXXX D |  | N/A | N/A | N/A | N/A | N/A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 854 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | N/A | N/A | N/A | N/A | N/A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 871 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | N/A | N/A | N/A | N/A | N/A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 814 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | N/A | N/A | N/A | N/A | N/A | C | B | N/A | N/A | N/A | N/A | N/A | B |
| 819 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 846 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 825 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | N/A | N/A | N/A | N/A | N/A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 852 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | N/A | N/A | N/A | N/A | N/A | C | B | N/A | N/A | N/A | N/A | N/A | B |
| 866 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 839 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | N/A | N/A | N/A | N/A | N/A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 851 | XXXX | XXXX | XXXX |  | XXXX | XXXX D |  | N/A | N/A | N/A | N/A | N/A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 869 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | N/A | N/A | N/A | N/A | N/A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 837 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | N/A | N/A | N/A | N/A | N/A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 863 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | N/A | N/A | N/A | N/A | N/A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 856 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | N/A | N/A | N/A | N/A | N/A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 868 | XXXX | XXXX | XXXX |  | XXXX | XXXX B |  | N/A | N/A | N/A | N/A | N/A | B | B | N/A | N/A | N/A | N/A | N/A | B |
| 812 | XXXX | XXXX | XXXX |  | XXXX | XXXX C D |  | N/A | N/A | N/A | N/A | N/A | C D | A | N/A | N/A | N/A | N/A | N/A | A |
| 872 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | N/A | N/A | N/A | N/A | N/A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 875 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | N/A | N/A | N/A | N/A | N/A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 874 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 843 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | N/A | N/A | N/A | N/A | N/A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 816 | XXXX | XXXX | XXXX |  | XXXX | XXXX C D |  | N/A | N/A | N/A | N/A | N/A | C D | A | N/A | N/A | N/A | N/A | N/A | A |
| 861 | XXXX | XXXX | XXXX |  | XXXX | XXXX D |  | N/A | N/A | N/A | N/A | N/A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 844 | XXXX | XXXX | XXXX |  | XXXX | XXXX D |  | N/A | N/A | N/A | N/A | N/A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 833 | XXXX | XXXX | XXXX |  | XXXX | XXXX D |  | N/A | N/A | N/A | N/A | N/A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 858 | XXXX | XXXX | XXXX |  | XXXX | XXXX A |  | N/A | N/A | N/A | N/A | N/A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 831 | XXXX | XXXX | XXXX |  | XXXX | XXXX C |  | N/A | N/A | N/A | N/A | N/A | C | A | N/A | N/A | N/A | N/A | N/A | A |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

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| |
|:---|
| ![](ex99-4sch4_001.jpg) |
| **Data Compare (Non-Ignored)** |
| **Run Date - 4/17/2026 8:06:51 AM** |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 813 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 813 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 822 | XXXX | XXXX | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.58 | 1.59 | Verified | Field value reflects source document |
| 822 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 811 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 832 | XXXX | XXXX | XXXX |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 832 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 832 | XXXX | XXXX | XXXX |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 829 | XXXX | XXXX | XXXX |  |  | Contract Sales Price | XXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 838 | XXXX | XXXX | XXXX |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 838 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 838 | XXXX | XXXX | XXXX |  |  | Contract Sales Price | XXXX |  | Verified | Refinance |
| 881 | XXXX | XXXX | XXXX |  |  | Original LTV | 73.41 | 77.08333 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 817 | XXXX | XXXX | XXXX |  |  | Contract Sales Price | XXXX |  | Verified | Refinance Transaction |
| 817 | XXXX | XXXX | XXXX |  |  | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 828 | XXXX | XXXX | XXXX |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 828 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 867 | XXXX | XXXX | XXXX |  |  | Borrower First Name | XXXX |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 867 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 809 | XXXX | XXXX | XXXX |  |  | Original LTV | 71.43 | 72.72727 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 835 | XXXX | XXXX | XXXX |  |  | Original LTV | 58.64 | 60 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 855 | XXXX | XXXX | XXXX |  |  | Contract Sales Price | XXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 877 | XXXX | XXXX | XXXX |  |  | Contract Sales Price | XXXX |  | Verified | Unable to verify due to missing information |
| 859 | XXXX | XXXX | XXXX |  |  | Contract Sales Price | XXXX |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 815 | XXXX | XXXX | XXXX |  |  | Contract Sales Price | XXXX | XXXX | Verified | Refinance File |
| 815 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 820 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 823 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 823 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 807 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 808 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 808 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 857 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | The Bid Tape Value was not provided. |
| 857 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 860 | XXXX | XXXX | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.11 | Verified | Due to rounding. |
| 860 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 864 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 864 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 836 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 836 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 862 | XXXX | XXXX | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.38 | 2.22 | Verified | Qualifying Rent from 1007 - $22,000.00x80%=$17,600 / P&I of 6,510.30, HOI of $420.25, and taxes of $983.24. |
| 862 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 840 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 842 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 842 | XXXX | XXXX | XXXX |  |  | Contract Sales Price | XXXX |  | Verified | Refinance loan |
| 845 | XXXX | XXXX | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Verified | based on the current appraisal report |
| 845 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 845 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 849 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 848 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 826 | XXXX | XXXX | XXXX |  |  | Subject Debt Service Coverage Ratio | 0.96 | 0.94 | Verified | Discrepancy in HOI Policy amount. Review captured annual policy amount of $1,052. |
| 826 | XXXX | XXXX | XXXX |  |  | Contract Sales Price | XXXX |  | Verified | Refinance transaction |
| 826 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 826 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 879 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 827 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 834 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 810 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 870 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 854 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Bid Tape Field Value not provided |
| 871 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 814 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 814 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 846 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 846 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 846 | XXXX | XXXX | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.66 | 1.76 | Verified | The lender used $3,600 for DSCR qualification, while the system referenced $3,800 from the comparable rent schedule. |
| 825 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 852 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 852 | XXXX | XXXX | XXXX |  |  | LTV Valuation Value | XXXX | XXXX | Verified | Field value reflects source document |
| 852 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 866 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 839 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 839 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 839 | XXXX | XXXX | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.20 | 1.06 | Verified | Borrower refunded the Rent and Sec deposit per handwritten check (D0136). Unable to confirm if rent and Sec Deposit was received. |
| 851 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 869 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 837 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 837 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 863 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 856 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 868 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Bid tape value was not provided. |
| 812 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 812 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 872 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 875 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 874 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 843 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 843 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 861 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 861 | XXXX | XXXX | XXXX |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.09 | Verified | Lender used higher rent amount of $3000.00 which cannot be verified. 1007 reflects $2500.00 ands no lease provided. |
| 861 | XXXX | XXXX | XXXX |  |  | Contract Sales Price | XXXX | XXXX | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 861 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 844 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |
| 833 | XXXX | XXXX | XXXX |  |  | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| 833 | XXXX | XXXX | XXXX |  |  | Note Date |  | XX/XX/XXXX | Verified | Field Value reflects Note Date per the Note |

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## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

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| |
|:---|
| ![](ex99-4sch5_001.jpg) |
| **Exception Grades** |
| **Run Date - 4/17/2026 8:05:32 AM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 822 | XXXX | XXXX | XXXX |  | 35853259 | XXXX | 12/31/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 12/18/2025; Lien Position: 1 |  |  |  |  | Reviewer Comment (2026-01-09): Provided secondary valuation. Exception cleared.<br>Buyer Comment (2026-01-07): 01/07\*-Please see attached | 01/09/2026 |  |  | 1 D A | XX/XX/XXXX | NY | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 832 | XXXX | XXXX | XXXX |  | 36300083 | XXXX | 02/24/2026 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | Appraisal transfer letter was not provided. |  |  |  | Reviewer Comment (2026-03-06): Transfer letter provided.<br>Buyer Comment (2026-03-04): appraisal transfer letter | 03/06/2026 |  |  | 1 B A | XX/XX/XXXX | FL | Investment | Purchase | B A | Exempt from ATR | N/A | No |
| 829 | XXXX | XXXX | XXXX |  | 36300086 | XXXX | 03/20/2026 | 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 $334.00 exceeds tolerance of $147.00 plus 10% or $161.70. $172.30 over legal limit. Insufficient or no cure was provided to the borrower. (0) | Recording fee was initially disclosed on the LE as $147. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-03-26): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-03-25): Please see Doc ID 0291. The Final CD reflects a section J RESPA cure for $172.30. | 03/26/2026 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Exempt from ATR | No |
| 829 | XXXX | XXXX | XXXX |  | 36300088 | XXXX | 03/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-03-20): CDFI lender testing ATR |  |  | 03/20/2026 | 2 A | XX/XX/XXXX | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 829 | XXXX | XXXX | XXXX |  | 36300089 | XXXX | 03/26/2026 | 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 $334.00 exceeds tolerance of $147.00 plus 10% or $161.70. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2026-03-26): Sufficient Cure Provided At Closing |  | 03/26/2026 |  | 1 A | XX/XX/XXXX | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Exempt from ATR | No |
| 838 | XXXX | XXXX | XXXX |  | 36300090 | XXXX | 02/12/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Missing mortgage statement on primary residence - XXXX |  |  |  | Reviewer Comment (2026-02-23): Mortgage statement & HOA verification received & associated. Exception cleared.<br>Buyer Comment (2026-02-19): HOA letter<br>Reviewer Comment (2026-02-19): From Hazard insurance it can be verified that property is a condo. Please provide verification of monthly HOA fees for this condominium project.<br>Buyer Comment (2026-02-17): tax<br>Buyer Comment (2026-02-17): ins<br>Reviewer Comment (2026-02-17): Provided Mortgage statement shows tax and insurance are not escrowed and only P&I was considered in final 1003. Please provide Tax cert, insurance and HOA verification if applicable for this property.<br>Buyer Comment (2026-02-13): mtg statement | 02/23/2026 |  |  | 1 C A | XX/XX/XXXX | NY | Investment | Refinance - Cash-out - Other | C A | Exempt from ATR | N/A | No |
| 853 | XXXX | XXXX | XXXX |  | 36300095 | XXXX | 02/25/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Tax Verification | Tax verification was not provided for REO property XXXX |  |  |  | Reviewer Comment (2026-03-25): Proeprty History report received and verified. Exception cleared<br>Buyer Comment (2026-03-23): Please see property profile attached reflecting property taxes. | 03/25/2026 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 853 | XXXX | XXXX | XXXX |  | 36300096 | XXXX | 02/25/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX did not disclose whether the loan will have an escrow account. (Final/02/18/2026) | Provided Incomplete Final Closing Disclosure XX/XX/XXXX in which Page 4 was not provided. |  |  |  | Reviewer Comment (2026-03-02): SitusAMC recieved full copy of final CD<br>Buyer Comment (2026-02-27): PFA | 03/02/2026 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Exempt from ATR | Exempt from ATR | No |
| 853 | XXXX | XXXX | XXXX |  | 36300097 | XXXX | 02/25/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (Final/XX/XX/XXXX) | Provided Incomplete Final Closing Disclosure XX/XX/XXXX in which Page 4 was not provided. |  |  |  | Reviewer Comment (2026-03-02): SitusAMC recieved full copy of final CD<br>Reviewer Comment (2026-03-02): SitusAMC received documents, however we require page 4 of final CD dated XX/XX/XXXX as it is missing. Please provide complete 5 pages of CD dated XX/XX/XXXX<br>Buyer Comment (2026-02-27): PFA | 03/02/2026 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Exempt from ATR | Exempt from ATR | No |
| 853 | XXXX | XXXX | XXXX |  | 36300098 | XXXX | 02/25/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). (Final/XX/XX/XXXX) | Provided Incomplete Final Closing Disclosure XX/XX/XXXX in which Page 4 was not provided. |  |  |  | Reviewer Comment (2026-03-02): SitusAMC recieved full copy of final CD<br>Buyer Comment (2026-02-27): PFA | 03/02/2026 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Corrected CD, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) A | Exempt from ATR | Exempt from ATR | No |
| 853 | XXXX | XXXX | XXXX |  | 36300099 | XXXX | 02/25/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan contains Negative Amortization. (Final/XX/XX/XXXX) | Provided Incomplete Final Closing Disclosure XX/XX/XXXX in which Page 4 was not provided. |  |  |  | Reviewer Comment (2026-03-02): SitusAMC recieved full copy of final CD<br>Buyer Comment (2026-02-27): PFA | 03/02/2026 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Exempt from ATR | Exempt from ATR | No |
| 853 | XXXX | XXXX | XXXX |  | 36300100 | XXXX | 02/25/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (Final/XX/XX/XXXX) | Provided Incomplete Final Closing Disclosure XX/XX/XXXX in which Page 4 was not provided. |  |  |  | Reviewer Comment (2026-03-02): SitusAMC recieved full copy of final CD<br>Buyer Comment (2026-03-02): Please see attached doc<br>Reviewer Comment (2026-03-02): SitusAMC received documents, however we require page 4 of final CD dated XX/XX/XXXX as it is missing. Please provide complete 5 pages of CD dated XX/XX/XXXX<br>Buyer Comment (2026-02-27): PFA | 03/02/2026 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Exempt from ATR | Exempt from ATR | No |
| 853 | XXXX | XXXX | XXXX |  | 36300101 | XXXX | 02/25/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Partial Payments. (Final/XX/XX/XXXX) | Provided Incomplete Final Closing Disclosure XX/XX/XXXX in which Page 4 was not provided. |  |  |  | Reviewer Comment (2026-03-02): SitusAMC recieved full copy of final CD<br>Buyer Comment (2026-02-27): PFA | 03/02/2026 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Exempt from ATR | Exempt from ATR | No |
| 853 | XXXX | XXXX | XXXX |  | 36300102 | XXXX | 02/25/2026 | 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 onXX/XX/XXXX did not disclose the Monthly Escrow Payment. (Final/XX/XX/XXXX) | Provided Incomplete Final Closing Disclosure XX/XX/XXXX in which Page 4 was not provided. |  |  |  | Reviewer Comment (2026-03-02): SitusAMC recieved full copy of final CD | 03/02/2026 |  |  | 1 A | XX/XX/XXXX | FL | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| 853 | XXXX | XXXX | XXXX |  | 36300103 | XXXX | 02/25/2026 | 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/XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XX/XX/XXXX) | Provided Incomplete Final Closing Disclosure XX/XX/XXXX in which Page 4 was not provided. |  |  |  | Reviewer Comment (2026-03-02): SitusAMC recieved full copy of final CD<br>Buyer Comment (2026-02-27): PFA | 03/02/2026 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Exempt from ATR | Exempt from ATR | No |
| 853 | XXXX | XXXX | XXXX |  | 36300104 | XXXX | 02/25/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan approved as Primary Purchase, however the final 1003 states that the borrowers will not occupy the property as their primary residence. |  |  |  | Reviewer Comment (2026-04-06): Corrected 1003 received.<br>Buyer Comment (2026-04-02): Please see updated executed Co-Borrowers 1003. Thank you.<br>Reviewer Comment (2026-03-31): Provided 1003 reflects co-borrower 'Will Not Occupy,' which conflicts with Occupancy Statement. Corrected 1003 required to resolve occupancy inconsistency. Exception Remains.<br>Buyer Comment (2026-03-27): See corrected 1003 with signature. Thank you.<br>Buyer Comment (2026-03-27): Please see 1003 attached. Thank you.<br>Reviewer Comment (2026-03-25): 1003 provided shows the co borrower would not be residing in the property but the occupancy certificate states co-borrower also occupy this property, Exception remains.<br>Buyer Comment (2026-03-23): Please find corrected 1003 attached. Thank you. | 04/06/2026 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 853 | XXXX | XXXX | XXXX |  | 36300105 | XXXX | 02/25/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing tax verification for REO. |  |  |  | Reviewer Comment (2026-03-25): Proeprty History report received and verified. Exception cleared<br>Buyer Comment (2026-03-23): Property profile attached. Thank you. | 03/25/2026 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 865 | XXXX | XXXX | XXXX |  | 36300108 | XXXX | 02/25/2026 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Prepaid Interest From Date from HUD-1 or final closing disclosure of XX/XX/XXXX used as disbursement date for compliance testing. |  |  |  |  | Reviewer Comment (2026-03-11): Final settlement statement reflecting disbursement date received.<br>Buyer Comment (2026-03-11): Attached find Final SS for disbursement date. | 03/11/2026 |  |  | 1 B A | XX/XX/XXXX | CA | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | N/A | No |
| 830 | XXXX | XXXX | XXXX |  | 36300113 | XXXX | 02/27/2026 | 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 $11,152.00 exceeds tolerance of $0.00. $11,152.00 over legal limit. Insufficient or no cure was provided to the borrower. (XXXX) | Zero percent fee tolerance exceeded. |  |  |  | Reviewer Comment (2026-03-09): Situsamc Received Valid COC dated XX/XX/XXXX<br>Buyer Comment (2026-03-06): PFA document<br>Reviewer Comment (2026-03-06): SitusAMC received COC dated XX/XX/XXXX however, the Originator Compensation fee was added on CD dated XX/XX/XXXX please provide valid COC for changes or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2026-03-04): Please find attached COC<br>Reviewer Comment (2026-03-03): Situsamc Originator Compensation $11152 added on CD dated XX/XX/XXXX without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2026-03-02): Please re-review as per Initial CD's and Initial LE's not exceeded by Zero Percent Tolerance. | 03/09/2026 |  |  | 1 C A | XX/XX/XXXX | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| 830 | XXXX | XXXX | XXXX |  | 36300114 | XXXX | 02/27/2026 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  |  | Reviewer Comment (2026-03-26): Received document executed by lender. Exception cleared.<br>Buyer Comment (2026-03-24): Please see attached. Thank you.<br>Reviewer Comment (2026-03-09): Reviewed doc#316, it is not signed by the Lender. Exception remains<br>Buyer Comment (2026-03-06): Please refer doc ID:XXXX page 2 of 2. Its signed one. please clear it.<br>Reviewer Comment (2026-03-04): Received Acknowledgment of the Fair Market Value not executed by the Lender. Require Lender executed document. Exception Remains.<br>Buyer Comment (2026-03-02): PFA document. | 03/26/2026 |  |  | 1 C A D | XX/XX/XXXX | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C | Exempt from ATR | Exempt from ATR | No |
| 830 | XXXX | XXXX | XXXX |  | 36300115 | XXXX | 02/27/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing evidence the individual who completed the CPA letter and P&L is a licensed tax professional. |  |  |  | Reviewer Comment (2026-03-09): Received CPA information<br>Buyer Comment (2026-03-05): Please see attached. Thank you. | 03/09/2026 |  |  | 1 C A | XX/XX/XXXX | TX | Primary | Refinance - Cash-out - Other | D A C | Exempt from ATR | Exempt from ATR | No |
| 830 | XXXX | XXXX | XXXX |  | 36300116 | XXXX | 02/27/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX PTIN license | File is missing evidence the individual who completed the CPA letter and P&L is a licensed tax professional. |  |  |  | Reviewer Comment (2026-03-09): Received CPA information | 03/09/2026 |  |  | 1 C A | XX/XX/XXXX | TX | Primary | Refinance - Cash-out - Other | D A C | Exempt from ATR | Exempt from ATR | No |
| 830 | XXXX | XXXX | XXXX |  | 36300117 | XXXX | 02/27/2026 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | Per title commitment provided, there are multiple open liens (Items 5-10 of Schedule C). Please provide evidence all open liens were paid at or prior to closing for the subject property. |  |  |  | Reviewer Comment (2026-03-09): Received Affidavit of Identity, stating that the debt does not belong to deceased husband.<br>Buyer Comment (2026-03-05): See executed affidavit from closing. Final title policy not in yet. Thank you.<br>Buyer Comment (2026-03-05): Please see executed affidavit at closing attached.<br>Buyer Comment (2026-03-05): Please see affidavit attached. Final title not in as of yet. Thank you. | 03/09/2026 |  |  | 1 C A | XX/XX/XXXX | TX | Primary | Refinance - Cash-out - Other | D A C | Exempt from ATR | Exempt from ATR | No |
| 828 | XXXX | XXXX | XXXX |  | 36300123 | XXXX | 03/04/2026 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Judgement and Liens are required to be paid off. Please provide evidence that the following Judgements/Liens are satisfied: $XXXX, $XXXX, $XXXX and $XXXX |  |  |  | Reviewer Comment (2026-03-16): Prior judgment and lien-related requirements shown on the earlier Schedule B have been intentionally removed in the updated title. All judgments/liens are considered cleared for title purposes. Exception Cleared.<br>Buyer Comment (2026-03-12): title<br>Buyer Comment (2026-03-12): Aff Not one in the same<br>Reviewer Comment (2026-03-12): Received Title commitment is for different property. Please provide evidence that the following Judgements/Liens are satisfied: $XXXX, $XXXX, $XXXX and $XXXX. Exception remains<br>Buyer Comment (2026-03-10): revised title | 03/16/2026 |  |  | 1 C A | XX/XX/XXXX | AZ | Second Home | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 867 | XXXX | XXXX | XXXX |  | 36300124 | XXXX | 03/05/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | Borrower: XXXX, Borrower: XXXX Under Trust Instrument Dated XX/XX/XXXX Occupancy: Second Home; Declarations/Will borrower occupy: Yes<br> Occupancy: Second Home; Declarations/Will borrower occupy: Yes | Both the initial an final 1003's reflect the borrower intends to occupy the residence as a primary residence. |  |  |  | Reviewer Comment (2026-03-31): Received revised 1003. Exception cleared.<br>Buyer Comment (2026-03-27): certificate<br>Buyer Comment (2026-03-27): revised 1003 | 03/31/2026 |  |  | 1 C A | XX/XX/XXXX | ID | Second Home | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 867 | XXXX | XXXX | XXXX |  | 36300126 | XXXX | 03/05/2026 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. | Both the initial an final 1003's reflect the borrower intends to occupy the residence as a primary residence. |  |  |  | Reviewer Comment (2026-03-31): Received revised 1003. Exception cleared.<br>Buyer Comment (2026-03-27): see attached revised 1003<br>Reviewer Comment (2026-03-16): Provided both 1003 still reflecting the borrower intends to occupy the residence as a primary residence. Required revised 1003 correcting declaration section. Exception remains.<br>Buyer Comment (2026-03-12): Please find the attached initial and final 1003 forms. The occupancy statement reflects that the property will be occupied as a second home. | 03/31/2026 |  |  | 1 C A | XX/XX/XXXX | ID | Second Home | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 867 | XXXX | XXXX | XXXX |  | 36300127 | XXXX | 03/05/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Section 5a of final 1003 states that the borrower intends to occupancy property as their primary residence. Please provide corrected final 1003. |  |  |  | Reviewer Comment (2026-03-31): Received revised final 1003. Exception cleared.<br>Buyer Comment (2026-03-27): see attached revised 1003 | 03/31/2026 |  |  | 1 C A | XX/XX/XXXX | ID | Second Home | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 835 | XXXX | XXXX | XXXX |  | 36300128 | XXXX | 03/05/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. | Borrower: XXXX | The borrower acknowledges that he is a co-signer or guarantor on the debt. Provide supportive document. |  |  |  | Reviewer Comment (2026-03-13): Received updated 1003. Exception cleared.<br>Buyer Comment (2026-03-11): summary<br>Buyer Comment (2026-03-11): revised 1003 | 03/13/2026 |  |  | 1 C A | XX/XX/XXXX | CA | Second Home | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 835 | XXXX | XXXX | XXXX |  | 36300129 | XXXX | 03/05/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. | Borrower: XXXX | The borrower acknowledges that he is a co-signer or guarantor on the debt. Provide supportive document. |  |  |  | Reviewer Comment (2026-03-13): Received updated 1003. Exception cleared.<br>Buyer Comment (2026-03-11): see attached docs | 03/13/2026 |  |  | 1 C A | XX/XX/XXXX | CA | Second Home | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 835 | XXXX | XXXX | XXXX |  | 36300130 | XXXX | 03/05/2026 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Title Preliminary Report in the file disclose the total Policy coverage amount is not sufficient. Provide evidence of title with sufficient policy coverage. |  |  |  | Reviewer Comment (2026-03-19): Received final title. Exception cleared.<br>Buyer Comment (2026-03-17): title | 03/19/2026 |  |  | 1 B A | XX/XX/XXXX | CA | Second Home | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 835 | XXXX | XXXX | XXXX |  | 36300131 | XXXX | 03/05/2026 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary | Final Title Policy is not provided in the file. |  |  |  | Reviewer Comment (2026-03-19): Received final title. Exception cleared. | 03/19/2026 |  |  | 1 A | XX/XX/XXXX | CA | Second Home | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 835 | XXXX | XXXX | XXXX |  | 36300133 | XXXX | 03/13/2026 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary; <br> State: CA |  |  |  |  | Reviewer Comment (2026-03-19): Received final title. Exception cleared.<br>Buyer Comment (2026-03-17): see attached final title | 03/19/2026 |  |  | 1 A | XX/XX/XXXX | CA | Second Home | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 855 | XXXX | XXXX | XXXX |  | 36300135 | XXXX | 03/12/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Account Statements - Personal | 11/2024 Business Bank Statement missing from file. |  |  |  | Reviewer Comment (2026-03-23): Bank Statement provided.<br>Buyer Comment (2026-03-20): XXXX 11-24 business bank statement attached. Thank you. | 03/23/2026 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 855 | XXXX | XXXX | XXXX |  | 36300136 | XXXX | 03/12/2026 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | 11/2024 Business Bank Statement missing from file. |  |  |  | Reviewer Comment (2026-03-23): Bank Statement provided.<br>Buyer Comment (2026-03-20): See XXXX business bank statement for 11-2024 attached. | 03/23/2026 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 855 | XXXX | XXXX | XXXX |  | 36300138 | XXXX | 03/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  | Reviewer Comment (2026-03-18): CDFI lender testing ATR<br>Buyer Comment (2026-03-13): Please waive. Thank you. |  |  | 03/18/2026 | 2 A | XX/XX/XXXX | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 855 | XXXX | XXXX | XXXX |  | 36300141 | XXXX | 03/12/2026 | 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 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to Business Bank Statement missing from file. |  |  |  | Reviewer Comment (2026-03-23): Bank Statement provided.<br>Reviewer Comment (2026-03-18): Received underwriter clarification on months used for account ending in XXXX. File is missing statements for 3/2025, 5/2025 and 11/2025 to complete the required 12 month history. | 03/23/2026 |  |  | 1 C A | XX/XX/XXXX | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 855 | XXXX | XXXX | XXXX |  | 36300144 | XXXX | 03/12/2026 | 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 $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (XXXX) |  |  |  |  | Reviewer Comment (2026-03-11): Sufficient Cure Provided At Closing |  | 03/11/2026 |  | 1 A | XX/XX/XXXX | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Exempt from ATR | No |
| 855 | XXXX | XXXX | XXXX |  | 36300145 | XXXX | 03/18/2026 | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. | Borrower: XXXX // Employment Type: Employment / Income Type: Bank Statements / Start Date: 07/01/2004 | Received underwriter clarification on months used for account ending in XXXX. File is missing statements for 3/2025, 5/2025 and 11/2025 to complete the required 12 month history. |  |  |  | Reviewer Comment (2026-03-23): Bank Statements provided.<br>Buyer Comment (2026-03-20): Please see attached March, May & Nov 2025 bk statement for acct #XXXX. Thank you. | 03/23/2026 |  |  | 1 A | XX/XX/XXXX | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 855 | XXXX | XXXX | XXXX |  | 36300146 | XXXX | 03/18/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Received underwriter clarification on months used for account ending in XXXX. File is missing statements for 3/2025, 5/2025 and 11/2025 to complete the required 12 month history. |  |  |  | Reviewer Comment (2026-03-23): Bank Statements provided. | 03/23/2026 |  |  | 1 A | XX/XX/XXXX | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Exempt from ATR | No |
| 855 | XXXX | XXXX | XXXX |  | 36300147 | XXXX | 03/18/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. (XXXX/Bank Statements) | Received underwriter clarification on months used for account ending in XXXX. File is missing statements for 3/2025, 5/2025 and 11/2025 to complete the required 12 month history. |  |  |  | Reviewer Comment (2026-03-23): Bank Statements provided. | 03/23/2026 |  |  | 1 A | XX/XX/XXXX | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 855 | XXXX | XXXX | XXXX |  | 36300148 | XXXX | 03/18/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Received underwriter clarification on months used for account ending in XXXX. File is missing statements for 3/2025, 5/2025 and 11/2025 to complete the required 12 month history. |  |  |  | Reviewer Comment (2026-03-23): Bank Statements provided. | 03/23/2026 |  |  | 1 A | XX/XX/XXXX | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| 841 | XXXX | XXXX | XXXX |  | 36300151 | XXXX | 03/11/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing third party verification of self-employment dated within 20 business days of the Note date. The CPA letter is dated 2/11/2025 and the state website does not contain a date to determine when it was obtained. |  |  |  | Reviewer Comment (2026-03-16): Received verbal verification of employment within 20 business days. Exception cleared.<br>Buyer Comment (2026-03-12): Please see VVOE attached. Thank you. | 03/16/2026 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 841 | XXXX | XXXX | XXXX |  | 36300152 | XXXX | 03/11/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Third Party Verification | File is missing third party verification of self-employment dated within 20 business days of the Note date. The CPA letter is dated 2/11/2025 and the state website does not contain a date to determine when it was obtained. |  |  |  | Reviewer Comment (2026-03-16): Received verbal verification of employment within 20 business days. Exception cleared. | 03/16/2026 |  |  | 1 C A | XX/XX/XXXX | CA | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 878 | XXXX | XXXX | XXXX |  | 36300154 | XXXX | 03/10/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX 4506-C (2023), 4506-C (2024) | Recent 2 years 4506-C document is missing for the borrower. |  |  |  | Reviewer Comment (2026-03-27): 4506 C document received and verified. Exception cleared.<br>Buyer Comment (2026-03-25): 4506-C | 03/27/2026 |  |  | 1 C A | XX/XX/XXXX | VA | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| 878 | XXXX | XXXX | XXXX |  | 36300155 | XXXX | 03/10/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing 4506-C |  |  |  | Reviewer Comment (2026-03-27): 4506 C document received and verified. Exception cleared.<br>Buyer Comment (2026-03-25): see attached 4506-C | 03/27/2026 |  |  | 1 C A | XX/XX/XXXX | VA | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| 873 | XXXX | XXXX | XXXX |  | 36300157 | XXXX | 03/11/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (Interim/02/20/2026) | The LE dated XX/XX/XXXX reflects it was received by borrower on 2/23/2026, which is less than 4 business days prior to closing on XX/XX/XXXX |  |  |  | Reviewer Comment (2026-03-26): SitusAMC received earliest receipt of LE.<br>Buyer Comment (2026-03-25): Please see highlighted Audit trail<br>Reviewer Comment (2026-03-24): SitusAMC received e-sign summary.However, the provided document at the bottom it only reflects Accepted- XXXX however date/Source/User/Event and also IP Address is missing. Kindly provide complete copy of e-sign summary in order to clear the exception.<br>Buyer Comment (2026-03-23): Please see attached<br>Reviewer Comment (2026-03-20): Situsamc Received Disclosure summary LE viewed date as XX/XX/XXXX which is within 3 days of the closing. Provide evidence borrower received the LE dated XX/XX/XXXX by XX/XX/XXXX or XX/XX/XXXX.<br>Buyer Comment (2026-03-19): Please see attached Complete copy of Audit Trail<br>Reviewer Comment (2026-03-17): Situsamc Received Audit trail; however, provided audit trail does not show borrower or loan details. Provide complete copy of Audit trail.<br>Buyer Comment (2026-03-16): please see encompass audit trail LE dated XX/XX/XXXX was signed XX/XX/XXXX | 03/26/2026 |  |  | 1 C A | XX/XX/XXXX | CO | Primary | Purchase | No Defined Cure A | Exempt from ATR | Exempt from ATR | No |
| 876 | XXXX | XXXX | XXXX |  | 36300161 | XXXX | 03/11/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 7.85 is less than Guideline PITIA months reserves of 9.00. |  | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | DTI: 31.48398% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: 743<br>Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: $64,806.21 | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-25): Lender approved exception post close with compensating factors.<br>Buyer Comment (2026-03-23): The Post Closing Guideline Exception Form has been uploaded to the Document List and is attached along with current verification of CPA licensing<br>Reviewer Comment (2026-03-18): EXCEPTION HISTORY - Exception Explanation was updated on 03/18/2026 PRIOR Exception Explanation: Calculated PITIA months reserves of 7.99 is less than Guideline PITIA months reserves of 9.00.<br>Reviewer Comment (2026-03-16): Require Bank statement with additional reserve as closing statement would not suffice the exception. Exception Remains.<br>Buyer Comment (2026-03-12): Please see final SS, we donot need the assets for cash to close, we have sufficient assets for reserves |  |  | 03/25/2026 | 2 C B | XX/XX/XXXX | CA | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 876 | XXXX | XXXX | XXXX |  | 36300162 | XXXX | 03/11/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing the required VVOE with the CPA prior to closing. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | DTI: 31.48398% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: 743<br>Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: $64,806.21 | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-25): Lender approved exception with compensating factors.<br>Buyer Comment (2026-03-23): The Post Closing Guideline Exception Form has been uploaded to the Document List and is attached along with current verification of CPA licensing<br>Reviewer Comment (2026-03-16): Require VVOE of CPA to clear the exception as provided document already available in file. Exception Remains.<br>Buyer Comment (2026-03-12): please see VVOE |  |  | 03/25/2026 | 2 C B | XX/XX/XXXX | CA | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 876 | XXXX | XXXX | XXXX |  | 36300163 | XXXX | 03/11/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX VVOE with CPA | File is missing the required VVOE with the CPA prior to closing. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | DTI: 31.48398% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: 743<br>Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: $64,806.21 | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-25): Lender approved exception post close with compensating factors.<br>Buyer Comment (2026-03-23): The Post Closing Guideline Exception Form has been uploaded to the Document List and is attached along with current verification of CPA licensing<br>Reviewer Comment (2026-03-16): Require VVOE of CPA to clear the exception as provided document already available in file. Exception Remains.<br>Buyer Comment (2026-03-12): please see VVOE |  |  | 03/25/2026 | 2 C B | XX/XX/XXXX | CA | Primary | Refinance - Rate/Term | C B A | Exempt from ATR | Exempt from ATR | No |
| 877 | XXXX | XXXX | XXXX |  | 36300165 | XXXX | 03/12/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-03-19): CDFI lender testing ATR<br>Buyer Comment (2026-03-18): Please waive. Thank you. |  |  | 03/19/2026 | 2 A | XX/XX/XXXX | FL | Primary | Refinance - Rate/Term | A | Non QM | Exempt from ATR | No |
| 859 | XXXX | XXXX | XXXX |  | 36300169 | XXXX | 03/24/2026 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-687.50 exceeds tolerance of $-1,375.00. Sufficient or excess cure was provided to the borrower. (XXXX) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-687.50 exceeds tolerance of $-1,375.00. Sufficient Cure is required. |  |  |  | Reviewer Comment (2026-03-20): Sufficient Cure Provided within 60 Days of Closing |  | 03/20/2026 |  | 1 A | XX/XX/XXXX | CA | Second Home | Refinance - Cash-out - Other | A | Non QM | Exempt from ATR | No |
| 859 | XXXX | XXXX | XXXX |  | 36300170 | XXXX | 03/24/2026 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $302.00 exceeds tolerance of $151.00 plus 10% or $166.10. Sufficient or excess cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $302.00 exceeds tolerance of $151.00 plus 10% or $166.10. Sufficient Cure is required. |  |  |  | Reviewer Comment (2026-03-20): Sufficient Cure Provided within 60 Days of Closing |  | 03/20/2026 |  | 1 A | XX/XX/XXXX | CA | Second Home | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | Non QM | Exempt from ATR | No |
| 859 | XXXX | XXXX | XXXX |  | 36300171 | XXXX | 03/24/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-03-24): CDFI lender testing ATR |  |  | 03/24/2026 | 2 A | XX/XX/XXXX | CA | Second Home | Refinance - Cash-out - Other | A | Non QM | Exempt from ATR | No |
| 850 | XXXX | XXXX | XXXX |  | 36300172 | XXXX | 03/30/2026 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX, Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX | File is missing appraisal transfer letter for order #XXXX. |  |  |  | Reviewer Comment (2026-04-01): Received appraisal transfer letter. Exception Cleared.<br>Buyer Comment (2026-03-30): See transfer letter attached. Thank you. | 04/01/2026 |  |  | 1 B A | XX/XX/XXXX | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| 850 | XXXX | XXXX | XXXX |  | 36300173 | XXXX | 03/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2026-03-31): CDFI lender testing ATR<br>Buyer Comment (2026-03-30): Please waive. |  |  | 03/31/2026 | 2 A | XX/XX/XXXX | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| 850 | XXXX | XXXX | XXXX |  | 36300176 | XXXX | 03/30/2026 | 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 $730.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (XXXX) |  |  |  |  | Reviewer Comment (2026-03-27): Sufficient Cure Provided At Closing |  | 03/27/2026 |  | 1 A | XX/XX/XXXX | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Exempt from ATR | No |
| 815 | XXXX | XXXX | XXXX |  | 36300182 | XXXX | 12/16/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Non-Owner Occupancy Declaration is incomplete as Section 4A is missing the principal residence address. |  |  |  | Reviewer Comment (2025-12-22): Received Non-Owner Occupancy Declaration showing borrower at an address different than the subject. Exception cleared.<br>Buyer Comment (2025-12-18): Non-Owner | 12/22/2025 |  |  | 1 C A | XX/XX/XXXX | MO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 820 | XXXX | XXXX | XXXX |  | 36300183 | XXXX | 12/22/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2025-12-26): Received final title policy. Exception Cleared. | 12/26/2025 |  |  | 1 A | XX/XX/XXXX | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 820 | XXXX | XXXX | XXXX |  | 36300184 | XXXX | 12/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing paid appraisal invoice or appraisal transfer letter. |  |  |  | Reviewer Comment (2025-12-26): Received paid appraisal invoice document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-12-23): 12/23-Please see attached | 12/26/2025 |  |  | 1 C A D | XX/XX/XXXX | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 820 | XXXX | XXXX | XXXX |  | 36300185 | XXXX | 12/22/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-12-26): Received final title policy. Exception Cleared.<br>Buyer Comment (2025-12-23): 12/23-Please see attached | 12/26/2025 |  |  | 1 B A | XX/XX/XXXX | CA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 824 | XXXX | XXXX | XXXX |  | 36300188 | XXXX | 01/07/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. |  |  |  | Reviewer Comment (2026-01-12): Received final stamped closing statement document. Verified and updated details. Exception Cleared.<br>Buyer Comment (2026-01-08): HUD-1 attached. | 01/12/2026 |  |  | 1 C A | XX/XX/XXXX | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 847 | XXXX | XXXX | XXXX |  | 36300191 | XXXX | 02/11/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. |  |  |  | Reviewer Comment (2026-03-09): Provided final closing statement. Exception cleared.<br>Buyer Comment (2026-03-05): Please see clear copy of the final HUD-1 attached stamped certified. Thank you<br>Reviewer Comment (2026-02-23): Provided closing statement is not visible copy. Please provide the final Closing Statement fully executed by all parties (including settlement agent) or stamped true and certified. Exception remains.<br>Buyer Comment (2026-02-19): Please see HUD-1 attached with correct Note address. Thank you.<br>Reviewer Comment (2026-02-16): Property address reflect on closing statement does not match with Note address. Exception remains.<br>Buyer Comment (2026-02-12): Please see attached final HUD-1. | 03/09/2026 |  |  | 1 D A | XX/XX/XXXX | TX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 860 | XXXX | XXXX | XXXX |  | 36300194 | XXXX | 02/12/2026 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date 02/02/2026; Disbursement Date: XX/XX/XXXX; Note Date: XX/XX/XXXX; Transaction Date: XX/XX/XXXX | Hazard Insurance effective date of 2/2/2026 is after the note date of XX/XX/XXXX - Disbursement date is not disclosed on the signed closing statement. |  |  |  | Reviewer Comment (2026-02-17): Received final closing statement reflects disbursement date XX/XX/XXXX. Exception cleared.<br>Buyer Comment (2026-02-13): Per final SS, disbursement date was XX/XX/XXXX | 02/17/2026 |  |  | 1 C A | XX/XX/XXXX | CA | Investment | Purchase | C A |  | N/A | No |
| 860 | XXXX | XXXX | XXXX |  | 36300195 | XXXX | 02/12/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-02-17): Received 1008 with underwriter's comment. Exception Cleared.<br>Buyer Comment (2026-02-13): UW discretion | 02/17/2026 |  |  | 1 C A | XX/XX/XXXX | CA | Investment | Purchase | C A |  | N/A | No |
| 840 | XXXX | XXXX | XXXX |  | 36300201 | XXXX | 02/17/2026 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: 3547.00 | Tax liens are required to be paid at or prior to closing. |  |  |  | Reviewer Comment (2026-02-23): Received evidence of paid tax lien. Exception cleared.<br>Buyer Comment (2026-02-19): tax lien paid | 02/23/2026 |  |  | 1 B A | XX/XX/XXXX | ID | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 849 | XXXX | XXXX | XXXX |  | 36300206 | XXXX | 02/18/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing verification of rent |  |  |  | Reviewer Comment (2026-02-23): Received Payment History. Exception Cleared.<br>Buyer Comment (2026-02-19): vor | 02/23/2026 |  |  | 1 C A D | XX/XX/XXXX | VA | Investment | Purchase | D A |  | N/A | No |
| 848 | XXXX | XXXX | XXXX |  | 36300208 | XXXX | 02/18/2026 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: XX/XX/XXXX; Lien Position: 1 | Secondary Valuation missing in this loan file |  |  |  | Reviewer Comment (2026-02-23): Provided UCDP report with collateral underwriter risk score as 1.4. Exception cleared.<br>Buyer Comment (2026-02-19): Please see FNMA SSR with a score of 1.4. Thank you. | 02/23/2026 |  |  | 1 D A | XX/XX/XXXX | TX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 826 | XXXX | XXXX | XXXX |  | 36300210 | XXXX | 02/20/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The Note is missing page 2. Unable to verify prepayment penalty, Grace Period Days, or Late Charge Percent. |  |  |  | Reviewer Comment (2026-03-27): Received complete note. Exception cleared.<br>Buyer Comment (2026-03-25): Note uploaded. | 03/27/2026 |  |  | 1 D A | XX/XX/XXXX | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 827 | XXXX | XXXX | XXXX |  | 36300213 | XXXX | 02/25/2026 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The notary dated the Security Instrument as the year 2027. Please provide an updated Security Instrument with an accurate date. |  |  |  | Reviewer Comment (2026-03-17): Received Security Instrument with corrected notary date. Exception Cleared.<br>Buyer Comment (2026-03-13): DOT | 03/17/2026 |  |  | 1 D A | XX/XX/XXXX | WA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 827 | XXXX | XXXX | XXXX |  | 36300214 | XXXX | 02/25/2026 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XXXX | The fraud report disclosed red flags that were not addressed. |  |  |  | Reviewer Comment (2026-03-03): Received fraud report with all the red flag cleared. Exception cleared.<br>Buyer Comment (2026-02-27): fraud | 03/03/2026 |  |  | 1 C A | XX/XX/XXXX | WA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 834 | XXXX | XXXX | XXXX |  | 36300216 | XXXX | 02/25/2026 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: XXXX | Judgements are required to be paid off. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 640<br> Representative FICO: 741 | SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-05): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-03-03): exception<br>Reviewer Comment (2026-03-03): Per attorney letter provide lender exception request form to make an exception for the judgment. Exception remains.<br>Buyer Comment (2026-02-27): attorney letter |  |  | 03/05/2026 | 2 B | XX/XX/XXXX | NJ | Investment | Purchase | B A |  | N/A | No |
| 810 | XXXX | XXXX | XXXX |  | 36300217 | XXXX | 02/26/2026 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | The file did not contain evidence that the ECB judgments were satisfied/released. |  |  |  | Reviewer Comment (2026-03-20): Final title received reflecting no open judgments/liens.<br>Reviewer Comment (2026-03-20): ECB Viol no. does not match the payment proof provided. Exception remains<br>Buyer Comment (2026-03-18): proof of payment ECB<br>Reviewer Comment (2026-03-04): Received Title final already in the initial shipping package, however there is no evidence about judgment is paid in full or else satisfier or release. Exception remains.<br>Buyer Comment (2026-03-02): final title | 03/20/2026 |  |  | 1 C A | XX/XX/XXXX | NY | Investment | Purchase | C A |  | N/A | No |
| 810 | XXXX | XXXX | XXXX |  | 36300218 | XXXX | 02/26/2026 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: XXXX, Credit Report: Original // Public Record Type: Judgments / Balance: XXXX, Credit Report: Original // Public Record Type: Judgments / Balance: XXXX, Credit Report: Original // Public Record Type: Judgments / Balance: XXXX | The file did not contain evidence that the ECB judgments were satisfied/released. |  |  |  | Reviewer Comment (2026-03-20): Final title received reflecting no open judgments/liens.<br>Reviewer Comment (2026-03-20): ECB Viol no. does not match the payment proof provided. Exception remains<br>Buyer Comment (2026-03-18): see attached docs<br>Reviewer Comment (2026-03-04): Received Title final already in the initial shipping package, however there is no evidence about judgment is paid in full or else satisfier or release. Exception remains.<br>Buyer Comment (2026-03-02): see final title | 03/20/2026 |  |  | 1 B A | XX/XX/XXXX | NY | Investment | Purchase | C A |  | N/A | No |
| 870 | XXXX | XXXX | XXXX |  | 36300219 | XXXX | 02/27/2026 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2026-03-09): Received final title. Exception cleared. | 03/09/2026 |  |  | 1 A | XX/XX/XXXX | CA | Investment | Purchase | D A |  | N/A | No |
| 870 | XXXX | XXXX | XXXX |  | 36300220 | XXXX | 02/27/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Unable to verify 12 months' mortgage history for the primary residence. Please provide payment history or verification the subject property is owned free & clear. Underwriter discretion may apply. Or, provide a property history report confirming the primary residence is owned free and clear with taxes paid current. |  |  |  | Reviewer Comment (2026-03-09): Provided property profile report showing free and clear. Exception cleared.<br>Buyer Comment (2026-03-05): Property profile confirms free & clear. Thank you. | 03/09/2026 |  |  | 1 C A D | XX/XX/XXXX | CA | Investment | Purchase | D A |  | N/A | No |
| 870 | XXXX | XXXX | XXXX |  | 36300221 | XXXX | 02/27/2026 | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2026-03-09): Received final title. Exception cleared.<br>Buyer Comment (2026-03-05): Please see attached.<br>Buyer Comment (2026-03-05): Please see final title policy attached. Thank you. | 03/09/2026 |  |  | 1 B A | XX/XX/XXXX | CA | Investment | Purchase | D A |  | N/A | No |
| 870 | XXXX | XXXX | XXXX |  | 36300222 | XXXX | 02/27/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The settlement statement provided is an estimate. Please provide final signed/stamped settlement statement. |  |  |  | Reviewer Comment (2026-03-09): Received certified closing statement. Exception cleared.<br>Buyer Comment (2026-03-05): Final stamped HUD-1 attached. Thank you. | 03/09/2026 |  |  | 1 D A | XX/XX/XXXX | CA | Investment | Purchase | D A |  | N/A | No |
| 870 | XXXX | XXXX | XXXX |  | 36300223 | XXXX | 03/09/2026 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $127,101.00 is less than Cash From Borrower $XXXX | Per final closing statement provided, Documented qualifying Assets for Closing of $127,101.00 is less than Cash From Borrower $XXXX |  |  |  | Reviewer Comment (2026-03-16): Transaction details updated per final closing statement. Exception Cleared.<br>Buyer Comment (2026-03-12): Please see previously submitted HUD which reflects Borrower received a refund at closing. In addition, closing cost never exceeded the amount of the gift.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Thank you. PLEASE CLEAR.<br>Buyer Comment (2026-03-12): Please see previously submitted HUD which reflects Borrower received a refund at closing. In addition, closing cost never exceeded the amount of the gift.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Thank you. | 03/16/2026 |  |  | 1 A | XX/XX/XXXX | CA | Investment | Purchase | D A |  | N/A | No |
| 854 | XXXX | XXXX | XXXX |  | 36300225 | XXXX | 03/02/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing verification of December 2025 primary residence payment. |  |  |  | Reviewer Comment (2026-03-05): Cleared as 1x30.<br>Buyer Comment (2026-03-03): Program permits 1x30 with no reduction; we do not have Dec payment; | 03/05/2026 |  |  | 1 C A | XX/XX/XXXX | MS | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 871 | XXXX | XXXX | XXXX |  | 36300227 | XXXX | 03/02/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-03-05): Received UW Discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-03-03): UW discretion | 03/05/2026 |  |  | 1 C A | XX/XX/XXXX | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 814 | XXXX | XXXX | XXXX |  | 36300229 | XXXX | 03/02/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Lender approved exception to allow VOM from a private note holder. Borrower paid $500/month mortgage payment via money orders without bank statements or canceled checks. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: 707 | SitusAMC | Reviewer Comment (2026-03-02): Waived with compensating factors per lender exception approval at origination. |  |  | 03/02/2026 | 2 B | XX/XX/XXXX | VA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 814 | XXXX | XXXX | XXXX |  | 36300230 | XXXX | 03/02/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rent free letter is required to be written by homeowner/spouse. | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 660<br> Representative FICO: 707 | SitusAMC | Reviewer Comment (2026-03-10): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-03-06): Please see exception attached. Thank you. |  |  | 03/10/2026 | 2 C B | XX/XX/XXXX | VA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 814 | XXXX | XXXX | XXXX |  | 36300231 | XXXX | 03/02/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2026-03-10): Provided Articles of Organization. Exception cleared.<br>Buyer Comment (2026-03-06): Please see attached Articles of Org. Thank you. | 03/10/2026 |  |  | 1 C A | XX/XX/XXXX | VA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 825 | XXXX | XXXX | XXXX |  | 36300235 | XXXX | 03/02/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently living rent free with someone other than a spouse. This does not meet guidelines. File is missing underwriter documentation allowing for credit exception. |  |  |  | Reviewer Comment (2026-03-09): Received UW discretion in the file for borrower living rent free with someone. Exception Cleared.<br>Buyer Comment (2026-03-05): Final 1008 attached with rent free comments. | 03/09/2026 |  |  | 1 C A | XX/XX/XXXX | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 825 | XXXX | XXXX | XXXX |  | 36300236 | XXXX | 03/02/2026 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | File is missing 12 month housing history for primary residence prior to living in current home rent free. |  |  |  | Reviewer Comment (2026-03-09): Verified 12-month housing history for primary residence prior to living in current home rent free from credit report. Exception Cleared.<br>Buyer Comment (2026-03-05): See credit report: 3RD TRADELINE DOWN HOME IMPROVEMENT W/XX. REPORTING THRU 8/2025. | 03/09/2026 |  |  | 1 C A | XX/XX/XXXX | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 825 | XXXX | XXXX | XXXX |  | 36300237 | XXXX | 03/02/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2026-03-09): Received Certificate of Non-Owner Occupancy Declaration showing show the borrower(s) at an address different than the subject. Exception Cleared.<br>Buyer Comment (2026-03-05): Section 4A completed on form. | 03/09/2026 |  |  | 1 C A | XX/XX/XXXX | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 852 | XXXX | XXXX | XXXX |  | 36300239 | XXXX | 03/03/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rent-free letter was in the file, however, UW Discretion and LLPA is required for borrower living rent-free with someone other than spouse. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reserves: 6.35<br> Guideline Requirement: 0.00<br>Debt Service Coverage Ratio: 1.65<br> Guideline Requirement: 1.00 | SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-06): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-03-05): exception<br>Buyer Comment (2026-03-04): Uw discretion |  |  | 03/06/2026 | 2 C B | XX/XX/XXXX | WI | Investment | Purchase | C B A |  | N/A | No |
| 852 | XXXX | XXXX | XXXX |  | 36300240 | XXXX | 03/03/2026 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | The file is missing satisfaction of judgment to XXXX |  |  |  | Reviewer Comment (2026-03-06): Free and clear final title.<br>Buyer Comment (2026-03-05): Final Title | 03/06/2026 |  |  | 1 C A | XX/XX/XXXX | WI | Investment | Purchase | C B A |  | N/A | No |
| 839 | XXXX | XXXX | XXXX |  | 36300242 | XXXX | 03/04/2026 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2026-03-24): Received 1007 Rent Comparison Schedule in the file. Exception Cleared.<br>Buyer Comment (2026-03-20): 1007<br>Reviewer Comment (2026-03-10): No new document received. There are two full appraisals on the file. Require comparable rent schedule for appraisal with document ID D0163. Exception remains.<br>Buyer Comment (2026-03-06): D0272 | 03/24/2026 |  |  | 1 C A | XX/XX/XXXX | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 851 | XXXX | XXXX | XXXX |  | 36300243 | XXXX | 03/04/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-03-09): Borrower owns the property and she is living with her husband. However, her husband is paying the mortgage. UW discretion is not required. Exception Cleared<br>Buyer Comment (2026-03-05): Bwr owns property | 03/09/2026 |  |  | 1 C A | XX/XX/XXXX | NY | Investment | Purchase | D A |  | N/A | No |
| 851 | XXXX | XXXX | XXXX |  | 36300244 | XXXX | 03/04/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. |  |  |  | Reviewer Comment (2026-03-09): Received Final Closing Statement in the file. Exception Cleared.<br>Buyer Comment (2026-03-05): Final SS | 03/09/2026 |  |  | 1 D A | XX/XX/XXXX | NY | Investment | Purchase | D A |  | N/A | No |
| 869 | XXXX | XXXX | XXXX |  | 36300246 | XXXX | 03/05/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The appraisal does not show the property is Tenant Occupied or Vacant and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2026-03-16): Provided 1004 appraisal report with occupancy as tenant occupied. Exception cleared.<br>Buyer Comment (2026-03-12): appraisal | 03/16/2026 |  |  | 1 C A | XX/XX/XXXX | WA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 837 | XXXX | XXXX | XXXX |  | 36300248 | XXXX | 03/06/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement signed by all all parties. Missing settlement agent signature. |  |  |  | Reviewer Comment (2026-03-13): Received certified copy of closing statement. Exception cleared.<br>Buyer Comment (2026-03-12): SS | 03/13/2026 |  |  | 1 C A | XX/XX/XXXX | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 837 | XXXX | XXXX | XXXX |  | 36300249 | XXXX | 03/06/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Missing Certificate of Good Standing dated within 90 days of the Note date. |  |  |  | Reviewer Comment (2026-03-13): Received Certificate of Good Standing dated within 90 days of the Note date. Exception cleared.<br>Buyer Comment (2026-03-11): Cogs | 03/13/2026 |  |  | 1 C A | XX/XX/XXXX | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 863 | XXXX | XXXX | XXXX |  | 36300251 | XXXX | 03/06/2026 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date 04/07/2026, Disbursement Date: XX/XX/XXXX | The Hazard Insurance Policy Effective Date 04/07/2026 is after the Note date XX/XX/XXXX |  |  |  | Reviewer Comment (2026-03-16): Previous Hazard Insurance Policy received and policy details verified. Exception Cleared.<br>Buyer Comment (2026-03-12): Please see previous HOI policy attached. Thank you. | 03/16/2026 |  |  | 1 C A | XX/XX/XXXX | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 863 | XXXX | XXXX | XXXX |  | 36300252 | XXXX | 03/06/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  |  |  | Reviewer Comment (2026-03-16): The Certificate of Non-Owner Occupied received showing the borrower(s) at different address than the subject. Exception Cleared.<br>Buyer Comment (2026-03-12): Please see form attached with section 4A completed. Thank you. | 03/16/2026 |  |  | 1 C A | XX/XX/XXXX | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 863 | XXXX | XXXX | XXXX |  | 36300253 | XXXX | 03/06/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. HUD is missing closing agent signature. |  |  |  | Reviewer Comment (2026-03-16): Executed Final Closing Statement received and verified the details. Exception Cleared.<br>Buyer Comment (2026-03-12): Final HUD-1 attached. | 03/16/2026 |  |  | 1 C A | XX/XX/XXXX | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 856 | XXXX | XXXX | XXXX |  | 36300255 | XXXX | 03/06/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-03-16): Received 1008 with underwriter's comment. Exception Cleared.<br>Buyer Comment (2026-03-12): Please see final underwriters 1008 with rent free comments. Thank you. | 03/16/2026 |  |  | 1 C A | XX/XX/XXXX | TX | Investment | Purchase | C A |  | N/A | No |
| 868 | XXXX | XXXX | XXXX |  | 36300257 | XXXX | 03/09/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow Ordinance and Law Coverage (Coverages A, B, C). Per the insurance provider, there is no Ordinance B and C for the parking garage due to it being a solid concrete structure where there will be build code issues in the event of a partial loss. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 20.82<br> Guideline Requirement: 0.00<br>Guidelines Representative FICO: 640<br> Representative FICO: 703 | SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-09): Waived with compensating factors per lender exception approval at origination. |  |  | 03/09/2026 | 2 B | XX/XX/XXXX | FL | Investment | Purchase | B A |  | N/A | No |
| 812 | XXXX | XXXX | XXXX |  | 36300259 | XXXX | 03/09/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Rent-free letter and LLPA were in the file, however, UW Discretion is required for borrower living rent-free with someone other than spouse. |  |  |  | Reviewer Comment (2026-03-16): Received UW discretion in the file for borrower living rent free with someone. Exception Cleared.<br>Buyer Comment (2026-03-12): UW discretion | 03/16/2026 |  |  | 1 C A D | XX/XX/XXXX | NJ | Investment | Purchase | D A |  | N/A | No |
| 872 | XXXX | XXXX | XXXX |  | 36300261 | XXXX | 03/09/2026 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: XX/XX/XXXX Lien Position: 1 |  |  |  |  | Reviewer Comment (2026-03-18): Received CDA. Exception cleared.<br>Buyer Comment (2026-03-16): PFA | 03/18/2026 |  |  | 1 D A | XX/XX/XXXX | FL | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 875 | XXXX | XXXX | XXXX |  | 36300263 | XXXX | 03/10/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2026-03-31): Received Articles of Organization/Formation in the file. Exception Cleared.<br>Buyer Comment (2026-03-27): pls see | 03/31/2026 |  |  | 1 C A | XX/XX/XXXX | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 843 | XXXX | XXXX | XXXX |  | 36300266 | XXXX | 03/13/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | Provide a copy of the mortgage statement for primary residence. Required to support borrower is living rent free with the spouse. |  |  |  | Reviewer Comment (2026-03-19): Received property profile report for the primary residence which confirms that borrower does not have ownership in primary residence & mortgage is in the name of spouse. Exception cleared.<br>Buyer Comment (2026-03-17): Property profile reports the property and mtgs are in the spouse name only | 03/19/2026 |  |  | 1 C A | XX/XX/XXXX | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 816 | XXXX | XXXX | XXXX |  | 36300268 | XXXX | 03/13/2026 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2026-03-27): Received Permanent Resident card. Exception Cleared.<br>Buyer Comment (2026-03-25): Back<br>Buyer Comment (2026-03-25): front | 03/27/2026 |  |  | 1 C A | XX/XX/XXXX | NY | Investment | Purchase | D A |  | N/A | No |
| 816 | XXXX | XXXX | XXXX |  | 36300269 | XXXX | 03/13/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing 12 Months verification of rent from B1. |  |  |  | Reviewer Comment (2026-03-20): Received rent free letter from co-borrower for borrower living rent free and lease agreement from landlord along with 12 months' pay history. Exception cleared.<br>Buyer Comment (2026-03-18): ecert<br>Buyer Comment (2026-03-18): landlord letter<br>Buyer Comment (2026-03-18): jan rent payment<br>Buyer Comment (2026-03-18): Dec payments<br>Buyer Comment (2026-03-18): rent payments<br>Buyer Comment (2026-03-18): rent free loe<br>Buyer Comment (2026-03-18): lease | 03/20/2026 |  |  | 1 C A D | XX/XX/XXXX | NY | Investment | Purchase | D A |  | N/A | No |
| 861 | XXXX | XXXX | XXXX |  | 36300271 | XXXX | 03/17/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.90 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.90 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  |  |  | Reviewer Comment (2026-03-20): Received lease agreement and proof of rent deposit. Exception cleared<br>Buyer Comment (2026-03-18): $3000 rent and $500 security deposit<br>Buyer Comment (2026-03-18): lease $3000 | 03/20/2026 |  |  | 1 C A | XX/XX/XXXX | PA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 861 | XXXX | XXXX | XXXX |  | 36300272 | XXXX | 03/17/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. |  |  |  | Reviewer Comment (2026-03-20): Received executed final closing statement. Exception cleared.<br>Buyer Comment (2026-03-18): final SS | 03/20/2026 |  |  | 1 D A | XX/XX/XXXX | PA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 844 | XXXX | XXXX | XXXX |  | 36300274 | XXXX | 03/18/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate provided. |  |  |  | Reviewer Comment (2026-03-23): Received certified closing statement. Exception cleared.<br>Buyer Comment (2026-03-19): Final SS | 03/23/2026 |  |  | 1 D A | XX/XX/XXXX | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 833 | XXXX | XXXX | XXXX |  | 36300276 | XXXX | 03/23/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-03-31): Received 1008 with UW discretion comments for living rent free. Exception cleared.<br>Buyer Comment (2026-03-27): uw discretion | 03/31/2026 |  |  | 1 C A | XX/XX/XXXX | NY | Investment | Purchase | D A |  | N/A | No |
| 833 | XXXX | XXXX | XXXX |  | 36300277 | XXXX | 03/23/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide a fully executed Operating Agreement. |  |  |  | Reviewer Comment (2026-03-31): Received Operating Agreement. Exception cleared.<br>Buyer Comment (2026-03-27): OA | 03/31/2026 |  |  | 1 C A | XX/XX/XXXX | NY | Investment | Purchase | D A |  | N/A | No |
| 833 | XXXX | XXXX | XXXX |  | 36300278 | XXXX | 03/23/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Provide documentation to verify the ownership percentage of the entity. |  |  |  | Reviewer Comment (2026-03-31): Received Operating Agreement for requirement of Corporate Resolution and borrower ownership is 100%. Exception cleared.<br>Buyer Comment (2026-03-27): see attached OA - 100% ownership | 03/31/2026 |  |  | 1 C A | XX/XX/XXXX | NY | Investment | Purchase | D A |  | N/A | No |
| 833 | XXXX | XXXX | XXXX |  | 36300279 | XXXX | 03/23/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  |  |  | Reviewer Comment (2026-04-01): Final SS.<br>Buyer Comment (2026-04-01): See attached all pages of HUD<br>Reviewer Comment (2026-03-31): Page 3 of 3 for received HUD-1 is missing and also, lender name, settlement agent information and settlement date are missing. Exception remains.<br>Buyer Comment (2026-03-27): final SS | 04/01/2026 |  |  | 1 D A | XX/XX/XXXX | NY | Investment | Purchase | D A |  | N/A | No |
| 831 | XXXX | XXXX | XXXX |  | 36300281 | XXXX | 03/27/2026 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: XXXX, Credit Report: Original // Borrower: XXXX | Lender exception is requested for Credit report dated 12/09/25 was expired on 03/09/26 which is before note date XX/XX/XXXX. Lender to provide updated credit report dated within 90days of Note date. |  |  |  | Reviewer Comment (2026-04-01): Credit report provided is within 120 days of closing. Exception cleared.<br>Buyer Comment (2026-03-30): See attached guideline credit good for 120 days. Thank you. See page #17 in guidelines. | 04/01/2026 |  |  | 1 C A | XX/XX/XXXX | ID | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_001.jpg)

**NARRATIVE**

**NRMLT 2026-NQM6**

**By Canopy Financial Technology Partners LLC on April 23, 2026**

Canopy Financial Technology Partners LLC

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

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

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

![](ex99-5_001.jpg)

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Rithm Capital (the "Client") or its affiliated company. The Review was conducted in March 2026 via files imaged and provided by the Client for review.

The Review consisted of a population of seven (7) loans with an aggregate principal balance of $5,666,000.

**Loan Sampling**

The Client defined the sample size and the random sampling of the Loans to be included in the Review.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); Fitch Ratings and Kroll Bond Rating Agency

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |

---

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

![](ex99-5_001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI;

· DSCR;

· Gross Income;

· Housing history;

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

![](ex99-5_001.jpg)

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

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

![](ex99-5_001.jpg)

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

· Borrower identity:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Social Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower name variations

· Employment:

· Licensing – reviewed NMLS data for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan officer

· Occupancy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject property ownership history

· OFAC.

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

![](ex99-5_001.jpg)

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

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

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

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

![](ex99-5_001.jpg)

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

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

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

**Compliance Review**

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

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

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

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

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

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

![](ex99-5_001.jpg)

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Note, including all addendums

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Rate Lock Date Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA Disclosures (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial Escrow Account Disclosure

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

· Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. §
1.63. · Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules
§ 109 4-3-01 et seq.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the Loan File: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of 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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If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency as permitted under the QM final rule, Canopy reviews the loan to determine whether, based on available information in the Loan File the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

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

**Ability to Repay (ATR)**

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

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

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

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**VALUATION REVIEW**

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

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

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

***Independent third-party values, CU SCORES and FHLMC REPS and WARRANTS***

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

**Valuation Reconciliation Process:**

· If a Desk Review, or other acceptable review product, was provided supporting the origination appraised
value within a -10% variance and acceptable confidence score, no additional products were required.

· In the event a Desk Review yielded material exceptions or had a value exceeding a negative ten percent
(-10%) variance, a field review or second appraisal was ordered to further establish value.

**Agency Eligible Loans:**

· For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered an AVM or Desk Review. If the CU Score was less than or equal to 2.5, no further review product was required based on market acceptance of Agency Eligible Loans.

· For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered an AVM or Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no further review product was required based on market acceptance of Agency Eligible Loans.

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

Upon completion of the Loan File review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

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The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Form ABS Due Diligence-15E.

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Event Grade** | &nbsp;&nbsp;**Final Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent, or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;There was not sufficient documentation to perform a review, or the required legal documents were not furnished. |

---

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---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grade** | &nbsp;&nbsp;**Valuation Event Grade** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided. The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 100.00% (7 loans) have an overall grade of "A" and 0.00% (0 loans) has an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 100.00%, (7 loans) of mortgage loans reviewed, and 0.00% (0 loans) has a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (7 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, (7 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Property/Valuation grade of "B".

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**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;5 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;$4166000.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;2 | &nbsp;&nbsp;28.57% | &nbsp;&nbsp;$1500000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5666000.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-5_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$5666000.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5666000.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;42.86% | &nbsp;&nbsp;$2517000.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;$500000.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;3 | &nbsp;&nbsp;42.86% | &nbsp;&nbsp;$2649000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5666000.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$5666000.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5666000.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$5666000.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5666000.00** |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex99-5_001.jpg)

**DATA COMPARISON RESULTS**

Of the seven (7) mortgage loan files reviewed, one (1) unique loan (14.29% by number) had one (1) tape comparison discrepancies across one (1) data field.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% |

---

**Disclaimer**

*Canopy Financial Technology Partners, LLC ("the Company") performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry. In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible. The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology. The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).* 

*Ratings, analysis, reports, and other opinions (referred to collectively as "Reports") issued by the Company are provided "as is" and without representation or warranty of any kind. The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose. Reports are not a recommendation to buy, sell, or retain any security. All reports are deemed jointly prepared and no individual shall be exclusively deemed the "author" of any Report. Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.* 

*Unless expressly stated otherwise, Reports do not assess any risk other than credit risk. In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.* 

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.* 

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.*

 

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 915 | XXXX |  | XXXX | XX/XX/XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 47.06 | 47.06 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-17-2026 |
| 916 | XXXX |  | XXXX | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-03-2026 |
| 919 | XXXX |  | XXXX | XX/XX/XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.26 | 73.26 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-09-2026 Eligible |  |  |
| 917 | XXXX |  | XXXX | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 57.47 | 57.47 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-02-2026 |
| 920 | XXXX |  | XXXX | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 73.98 | 73.98 | XXXX | XX | -.0685 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0685 | 88.0 | 0.12 | XXXX | XXXX | XX/XX/XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 921 | XXXX |  | XXXX | XX/XX/XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.93 | 67.93 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 |
| 918 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.44 | 69.44 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 915 | XXXX |  | XXXX | XXXX D C A |
| 916 | XXXX |  | XXXX | XXXX D A |
| 919 | XXXX |  | XXXX | XXXX A C |
| 917 | XXXX |  | XXXX | XXXX A |
| 920 | XXXX |  | XXXX | XXXX C A |
| 921 | XXXX |  | XXXX | XXXX A |
| 918 | XXXX |  | XXXX | XXXX A |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 915 | XXXX |  | XXXX D A C | Closed | FCRE1201 | 2026-03-06 08:09 | 2026-03-11 08:45 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/10/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/10/2026<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/11/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.81 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 47.06% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 758 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 117.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 20.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | FRAUD REPORT_2026_03_10_@11_58_05.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7968337 |
| 916 | XXXX |  | XXXX D A | Closed | FCRE7497 | 2026-03-10 15:14 | 2026-03-12 07:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA info received. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/11/2026 <br> Open-Missing evidence of hoa dues for the property located aT XXXX - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/11/2026<br>| Resolved-HOA info received. - Due Diligence Vendor-03/12/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.08 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |  | Hoa.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8028829 |
| 919 | XXXX |  | XXXX C A | Closed | finding-3712 | 2026-03-11 11:56 | 2026-03-11 11:59 | Resolved | 1 - Information C A | Compliance | State Reg | CA Per Diem Interest Amount Test | Resolved-\*\*Acceptable executed CA Per Diem Disclosure located in the original file. - Due Diligence Vendor-03/11/2026 <br> Open-This loan failed the per diem interest amount test. (CA Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($231.88) exceeds the per diem interest charge or credit threshold ($1.00).PLEASE NOTE: An additional $1 buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 |  | Resolved-\*\*Acceptable executed CA Per Diem Disclosure located in the original file. - Due Diligence Vendor-03/11/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8049497 |
| 919 | XXXX |  | XXXX C A | Closed | finding-47 | 2026-03-09 00:12 | 2026-03-11 11:58 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/11/2026 <br> Resolved- - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on 3/2/2026. Thank you - Seller-03/10/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of 02/23/20026 - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-03/09/2026 <br> Open- - Due Diligence Vendor-03/09/2026 <br> Open- - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on 3/2/2026. Thank you - Seller-03/10/2026<br>| Resolved-\*\*Received PCCD - Due Diligence Vendor-03/11/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | XXXX_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7988764 |
| 917 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 920 | XXXX |  | XXXX C A | Closed | FPRO1245 | 2026-03-11 05:21 | 2026-03-14 06:19 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-03/14/2026 <br> Ready for Review-Document Uploaded. Hello Team, please see attached, thank you - Seller-03/14/2026 <br> Open-Primary Value Appraisal is Expired. Date of signature and report is 01/31/2026 however Effective Date of the appraisal is 01/30/2025. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Hello Team, please see attached, thank you - Seller-03/14/2026<br>| Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-03/14/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years |  | XXXX(1)_Revised.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8036578 |
| 921 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 918 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX CA | Primary Residence | Purchase | NA |  |  |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 915 | XXXX | XXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2720 | 7.661 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 58026.78 | N/A | Not Employed | Employed | No | No | No |  |
| 916 | XXXX | XXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2375 | 6.533 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13242.14 | N/A | Employed |  | No |  | No |  |
| 919 | XXXX | XXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2720 | 6.68 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6974.79 | N/A | Employed |  | No |  | No |  |
| 917 | XXXX | XXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 2570 | 7.803 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10724.76 | N/A | Employed |  | No |  | No |  |
| 920 | XXXX | XXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2375 | 6.9 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17517.13 | N/A | Employed |  | No |  | No |  |
| 921 | XXXX | XXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2720 | 6.67 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10137.61 | N/A | Employed |  | No |  | No |  |
| 918 | XXXX | XXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | 2375 | 6.595 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7391.73 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 5**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 920 | XXXX |  | XXXX | Property Type | Two to Four Unit | Detached |

---

## Exhibit 99.6

**Exhibit 99.6**

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Rithm Capital. The review included a total of 41 newly originated residential mortgage loans acquired through a bulk purchase, in connection with the securitization identified as NRMLT 2026-NQM6 (the "Securitization"). The Review was conducted from December 2025 through April 2026 on mortgage loans originated between November 2025 and March 2026.

**Scope of Review**

**Credit Review**

Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI and/or Residual Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review credit report for credit history and required credit depth including any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

&nbsp;&nbsp;&nbsp;&nbsp;b. Validate loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;c. Review borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;d. Validation through third party resource of the subject properties most recent twelve (12) month sales
history

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm sufficient evidence in loan file, by reviewing the underwriter's decision to approve the
loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay the debt

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;i. Review condominium questionnaire to verify all information is complete, prepared by an authorized representative,
and address any red flags that may deem condominium project ineligible

&nbsp;&nbsp;&nbsp;&nbsp;j. General QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home with a loan amount equal to or greater than the applicable
dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification requirement. A creditor
is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy Handbook, issued October 24,
2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single Family Housing Program, revised
March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family Guaranteed Loan Program, revised
March 19, 2020.

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test
 Loan Estimate(s) for accuracy and completeness as well as timing requirements as required
 by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test
 Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required
 by TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance
 Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify
 Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive
 review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation
 of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing
 of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal
 Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local
 and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA
 Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine
 whether specified federal disclosures were provided timely based upon comparison of the application
 date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service
 Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home
 Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM
 Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance
 with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR
 Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points
 & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product
 Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice
 of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm
 document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the correct Right of Rescission document was executed for the transaction type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 a full three (3) day rescission period was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 through NMLS the loan originator and originating firm's license status was active and properly
 disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check
 the Loan participants against the exclusionary list provided by Client or by the purchaser
 of the Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review
 closing documents to ensure that the Mortgage Loan information is complete, accurate, and
 consistent with other documents; Confirm collateral documents have been recorded or sent
 for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 original appraisal, determination that property is in "average" condition or better,
 or property requires cosmetic improvements (as defined by the appraiser) that do not affect
 habitability. Should an area of concern be identified with the condition of the property,
 Consolidated Analytics will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 appraisal, determination that property is completely constructed and appraisal is on an "as
 is basis," or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review
 and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser
 indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review
 and determine the relevance of the comparable properties and ensure that a rational and reliable
 value was provided and supported as of the effective date of the Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review
 adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure
 that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review
 appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure
 highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm
 there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure
 subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where
 applicable, determine if the file did not contain the appraisal or other valuation method
 and a review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the appraisal
 LCA risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score
 was greater than 2.5 or the LCA score was not eligible for R&W relief, an additional
 valuation product was obtained to confirm value was supported within 10% tolerance. In some
 instances, based on guidance from the seller, CDA's were ordered on loans that had
 an acceptable CU score or R&W eligibility.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

For loans reviewed in a post-close valuation review scenario (41 loans in total):

One (1) loan had a Secondary Appraisal, fifteen (15) loans had an AVM, zero (0) loans had a Field Review, and twenty-two (22) 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 zero (0) occurrences of this.

Zero (0) loans had a Second Desk Review and zero (0) loans had a Full Appraisal Review.

**Product totals may not sum due to multiple products for each loan**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the forty-one (41) mortgage loans reviewed, thirty-two (32) unique mortgage loans (78.05% by loan count) had a total of eighty-eight (88) discrepancies across twenty-two (22) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy<br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;24 | &nbsp;&nbsp;27.27% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;18 | &nbsp;&nbsp;20.45% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;7 | &nbsp;&nbsp;7.95% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;7 | &nbsp;&nbsp;7.95% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;5.68% |
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.55% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.41% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.41% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Qualifying Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**88** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of<br> Sample |
| Event Grade A | 38 | $20553539.00 | 92.68% |
| Event Grade B | 3 | $1519750.00 | 7.32% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 41 | $22073289.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 40 | 97.56% |
| Event Grade B | 1 | 2.44% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 41 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: (As applicable, 15 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 15 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 15 loans within population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 24 | 92.31% |
| Event Grade B | 2 | 7.69% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 26 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 41 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 41 | 100.00% |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Findings | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Not Executed | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Rent Loss Coverage Not Sufficient | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income 4 Months Income Verified is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Business Bank Statements Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Tradelines do not meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Income) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***48*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;DSCR Minimum Not Met | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;The Note is Not Executed | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Loan Estimate | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***30*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***23*** |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 1**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Alt Loan Number** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 906 | XXXX | XXXX |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 905 | XXXX |  |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 925 | XXXX |  |  |  | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 926 | XXXX |  |  |  | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 909 | XXXX |  |  |  | XXXX D | C | C | C | C | C D A | A | A | A | A | A |
| 907 | XXXX |  |  |  | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 910 | XXXX |  |  |  | XXXX C | B | B | B | B | B A C | A | A | A | A | A |
| 887 | XXXX |  |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 893 | XXXX |  |  |  | XXXX D | A | A | A | A | A D | A | A | A | A | A |
| 885 | XXXX |  |  |  | XXXX A | C | C | C | C | C A | A | A | A | A | A |
| 923 | XXXX |  |  |  | XXXX D | D | D | D | D | D A | A | A | A | A | A |
| 891 | XXXX |  |  |  | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 892 | XXXX |  |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 927 | XXXX |  |  |  | XXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 911 | XXXX |  |  |  | XXXX C | B | B | B | B | B A C | A | A | A | A | A |
| 913 | XXXX |  |  |  | XXXX C | A | A | A | A | A C | A | A | A | A | A |
| 902 | XXXX |  |  |  | XXXX D | D | D | D | D | D A | A | A | A | A | A |
| 901 | XXXX |  |  |  | XXXX D | C | C | C | C | C A D | A | A | A | A | A |
| 928 | XXXX |  |  |  | XXXX D | C | C | C | C | C A D | B | B | B | B | B A |
| 898 | XXXX |  |  |  | XXXX A | B | B | B | B | B A | A | A | A | A | A |
| 897 | XXXX |  |  |  | XXXX A | B | B | B | B | B A | A | A | A | A | A |
| 883 | XXXX |  |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 914 | XXXX |  |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 884 | XXXX |  |  |  | XXXX A | B | B | B | B | B A | A | A | A | A | A |
| 886 | XXXX |  |  |  | XXXX A | A | A | A | A | A | A | A | A | A | A |
| 903 | XXXX |  |  |  | XXXX A | B | B | B | B | B A | A | A | A | A | A |
| 908 | XXXX |  |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 890 | XXXX |  |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 929 | XXXX |  |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 912 | XXXX |  |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 882 | XXXX |  |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 888 | XXXX |  |  |  | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 895 | XXXX |  |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 900 | XXXX |  |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 930 | XXXX |  |  |  | XXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 924 | XXXX |  |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 896 | XXXX |  |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 889 | XXXX |  |  |  | XXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 894 | XXXX |  |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 899 | XXXX |  |  |  | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 904 | XXXX |  |  |  | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Alt Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 906 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MD | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 779 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 35% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 26.97% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 906 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MD | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 779 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 35% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 26.97% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 906 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MD | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 779 is greater than Guideline minimum FICO of 740<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 35% is less than Guideline LTV of 90%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 35% is less than Guideline CLTV of 90%<br>Qualifying DTI below max allowed. - Calculated DTI of 26.97% is less than Guideline DTI of 50% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 905 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | IN | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | HPML compliant; Cleared | 12/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 905 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | IN | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant; Cleared | 12/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 905 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | IN | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | HPML compliant; Cleared | 12/16/2025 | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 925 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/22/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within 3 days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | Document Uploaded. | 12/26/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/31/2025 | Borrower has stable job time - Borrower has 11.71 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 24.59% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 925 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/22/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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. | Document Uploaded. ; Document Uploaded. | 12/30/2025 | Evidence of appraisal delivery provided.; 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 provided shows the ROV document was provided to the borrower but does not indicate if the appraisal was attached with the ROV | 12/31/2025 | Borrower has stable job time - Borrower has 11.71 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 24.59% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 925 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/22/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $50.00; 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 $50.00 is due to increase from $250.00 on the LE dated 10/14/2025 to $300.00 on the final CD dated XX/XX/XXXX for the TX Attorney Document Review. 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 $50.00.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). | Document Uploaded. | 12/26/2025 | lender confirmed $50 lender credit was for tolerance violation | 12/26/2025 | Borrower has stable job time - Borrower has 11.71 years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of 24.59% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 789 is greater than Guideline minimum FICO of 700 A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 926 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXXX is Less than Total Amount of Subject Lien $XXXX Provide updated Title reflecting coverage amount of $XXXX | Document Uploaded. | 01/09/2026 | Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien $XXXX | 01/11/2026 | Qualifying DTI below max allowed. - Calculated DTI of 18.79% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 9.5 years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 926 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | ATR/QM: Exempt | Loan Review Complete | 01/07/2026 | Resolved | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Provide updated insurance policy reflection sufficient loss rent coverage, currently showing coverage amount of $22,500, required amount should be based on PITIA of $4150.50X6= $24,903. | Borrower has three months reserves. Should be ok as is per UW. | 01/09/2026 | Loss Rent Coverage is Sufficient | 01/11/2026 | Qualifying DTI below max allowed. - Calculated DTI of 18.79% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 9.5 years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 909 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | FCRE5770 | Credit | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Borrower 1 Credit Report is Missing. | Document Uploaded. | 01/26/2026 | Borrower 1 Credit Report is not missing.; CR dated 11/26/25 and re-issued 12/18/25 provided | 01/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 19.23% is less than Guideline CLTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 791 is greater than Guideline minimum FICO of 680<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 19.23% is less than Guideline LTV of 65%<br>Borrower has stable job time - Borrower has 3.29 years on job. D A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| 909 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | FCRE5771 | Credit | Borrower 2 Credit Report is Missing | Borrower 2 Credit Report is Missing. Borrower 2 Credit Report is Missing. | Document Uploaded. | 01/26/2026 | Borrower 2 Credit Report is not missing. | 01/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 19.23% is less than Guideline CLTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 791 is greater than Guideline minimum FICO of 680<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 19.23% is less than Guideline LTV of 65%<br>Borrower has stable job time - Borrower has 3.29 years on job. D A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| 909 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. ; Document Uploaded. | 01/26/2026 | Third party valuation product provided within tolerance.; Client provided TPV and appraisal. ; Duplicate Appraisal provided. However, UCDP Score is 2.6 and a Third Party Valuation to verify value utilized has not been provided. Please provide a secondary Third Party Valuation. | 01/27/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 19.23% is less than Guideline CLTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 791 is greater than Guideline minimum FICO of 680<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 19.23% is less than Guideline LTV of 65%<br>Borrower has stable job time - Borrower has 3.29 years on job. D A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| 909 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | finding-3634 | Compliance | 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 $205.00.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). TILA 130b Cure required: Cure of $205.00 required for addition of CDA fee without valid COC. Cure requires PCCD, LOE, copy of refund check, and proof of mailing or valid COC. | Document Uploaded. | 01/26/2026 | Valid COC with applicable LE provided; exception resolved; Valid COC with applicable LE provided; exception resolved | 01/26/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 19.23% is less than Guideline CLTV of 65%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 791 is greater than Guideline minimum FICO of 680<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 19.23% is less than Guideline LTV of 65%<br>Borrower has stable job time - Borrower has 3.29 years on job. D A | C | A D C | C D | C D | C D | C D | C A | A | A | A | A | A |
| 907 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Title report, issued on XX/XX/XXXX, reflects the title is vested in XX and XX, husband and wife. The final 1003 in file reflects the borrower is unmarried. XX did not sign the legal documents and there was no deed in file removing her name from title. | Document Uploaded. | 03/12/2026 | Property Title Issue Resolved; Evidence provided. | 03/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 786 is greater than Guideline minimum FICO of 760<br>Borrower has stable job time - Borrower has 8.16 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 907 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The file contains a letter from a tax preparer referencing the documents used for the P&L statement; however, there was no mention of the borrower's name nor the borrower's percentage of ownership in the business; the P&L was not signed by the tax preparer. Further, the guidelines for the P&L calculation state that a minimum expense ratio of 10% is to be used. The file did not contain the lender's calculation but based on the income stated on the loan application, there was no expense ratio applied. |  |  | Income and Employment Meet Guidelines | 03/12/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 786 is greater than Guideline minimum FICO of 760<br>Borrower has stable job time - Borrower has 8.16 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 907 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | FCRE1342 | Credit | Borrower 1 Business Bank Statements Missing | Borrower 1 Business Bank Statements Missing The loan was approved as having a doc type of 12 months Profit & Loss statement with 2 months bank statements. The file does not contain any bank statements. Income is subject to recalculation as the monthly gross revenue on the P&L must be supported by the bank statements. | Document Uploaded. | 03/11/2026 | Borrower 1 Business Bank Statements Provided; Updated Lock provided. | 03/12/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 786 is greater than Guideline minimum FICO of 760<br>Borrower has stable job time - Borrower has 8.16 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 907 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. The final loan application reflects that the borrower pays alimony of $2,816.67 per month, and child support of $1,191.67 per month. File is missing a divorce decree or other documentation to verify the monthly amounts owed. | Document Uploaded. | 03/10/2026 | Tradelines meet Guideline Requirements; Divorce decree provided. | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 786 is greater than Guideline minimum FICO of 760<br>Borrower has stable job time - Borrower has 8.16 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 907 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Neither the 1008 nor the Loan Approval were provided. | Document Uploaded. | 03/10/2026 | Approval/Underwriting Summary is fully present; Loan approval | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 786 is greater than Guideline minimum FICO of 760<br>Borrower has stable job time - Borrower has 8.16 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 907 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 786 is greater than Guideline minimum FICO of 760<br>Borrower has stable job time - Borrower has 8.16 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 907 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/23/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 786 is greater than Guideline minimum FICO of 760<br>Borrower has stable job time - Borrower has 8.16 years on job. D A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 910 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 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)). Appraisal delivery is not evident in the file. Please provide proof of delivery and receipt at least 3 business days prior to consummation. | Document Uploaded. | 03/09/2026 | Appraisal receipt provided | 03/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of 15.97% is less than Guideline DTI of 50% A B | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 910 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts The fraud report reflects numerous high alerts that were not addressed by the lender, specifically a high alert for the borrower having an additional loan application for the same property with this same institution in the past 120 days and for the subject loan showing a significantly higher income. | Document Uploaded. | 03/09/2026 | All Fraud Report Alerts have been cleared or None Exist; Fraud updated with score of 927. | 03/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of 15.97% is less than Guideline DTI of 50% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 910 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/04/2026 | Qualifying DTI below max allowed. - Calculated DTI of 15.97% is less than Guideline DTI of 50% A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 887 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/05/2026 | Borrower has stable job time - Borrower has 12.34 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 29.94% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.94% is less than Guideline CLTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 887 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/05/2026 | Borrower has stable job time - Borrower has 12.34 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 29.94% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.94% is less than Guideline CLTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 887 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | AZ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/05/2026 | Borrower has stable job time - Borrower has 12.34 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 29.94% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 29.94% is less than Guideline CLTV of 75% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 893 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Per B1 Final 1003, Investment REO's for the following properties require verification of the qualifying PITI used for the DTI analysis and evidence the existing mortgage(s) have been paid in full/satisfied; it appears these are NQM Refinances and (1) Purchase for the following properties: "XXXX; "XXXX"; "XXXX"; "XXXX"; "XXXX"; "XXXX". AND the loan file includes 3 settlement statements and a promissory Note for 3 properties purchased by the subject borrowing business entity XX, with promissory Note signed by members B1 XXXX and B3 XXXX, as individuals for the business for a personal obligation; disposition of these 3 properties is required: "XXXX"; "XXXX"; and "XXXX". | Document Uploaded. | 03/13/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Evidence provided to exclude any REO owned by business | 03/16/2026 | Borrower has stable job time - Borrower has 4.16 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 39.93% is less than Guideline DTI of 50% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 893 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Borrower has stable job time - Borrower has 4.16 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 39.93% is less than Guideline DTI of 50% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 893 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Borrower has stable job time - Borrower has 4.16 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 39.93% is less than Guideline DTI of 50% A | A | A D | A D | A D | A D | A D | A | A | A | A | A | A |
| 885 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2026 | Resolved | finding-3652 | Compliance | 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 ($956.25) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,362.50). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $1406.25; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or CD that matches 02/16/2026 COC. The lender credit tolerance violation in the amount of $1406.25 is due to decrease in Lender Credit from $2362.50 to $956.25. There is a COC from 02/16/2026 on p146 for the lender credit, but there is no corresponding CD to apply. Please provide missing CD or provide PCCD with refund. | Document Uploaded. ; Document Uploaded. | 03/12/2026 | Received revised CD XX/XX/XXXX and valid COC - exception resolved; Received revised CD XX/XX/XXXX and valid COC - exception resolved; COC provided shows a change date of 2/16 but the change wasn't disclosed until 2/25, which is not within 3 business days of the COC | 03/14/2026 | Borrower has stable job time - Borrower has 31.01 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 670 is greater than Guideline minimum FICO of 640<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.15% is less than Guideline CLTV of 70%<br>Qualifying DTI below max allowed. - Calculated DTI of 30.76% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 55.15% is less than Guideline LTV of 70% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 885 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/09/2026 | Borrower has stable job time - Borrower has 31.01 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 670 is greater than Guideline minimum FICO of 640<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.15% is less than Guideline CLTV of 70%<br>Qualifying DTI below max allowed. - Calculated DTI of 30.76% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 55.15% is less than Guideline LTV of 70% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 885 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/09/2026 | Borrower has stable job time - Borrower has 31.01 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 670 is greater than Guideline minimum FICO of 640<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.15% is less than Guideline CLTV of 70%<br>Qualifying DTI below max allowed. - Calculated DTI of 30.76% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 55.15% is less than Guideline LTV of 70% A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 923 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Approval/Underwriting Summary (1008) is missing | Document Uploaded. | 03/17/2026 | Approval/Underwriting Summary is fully present; 1008 provided | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 791 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 34.95% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 16.75 years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 923 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | FCRE6737 | Credit | Missing Letter of Explanation (Income) | Non-borrowing owner of the business "XXXX", a licensed Tax Preparer or CPA for the company must provide a signed and dated letter acknowledging the transaction and confirming the borrower's access to the business account for income related purposes is required | Document Uploaded. | 03/17/2026 | Explanation provided. | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 791 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 34.95% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 16.75 years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 923 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | FCOM1252 | Compliance | TRID: Missing Loan Estimate | Documentation required to clear exception- The Initial Loan Estimate is missing from the loan file. There aren't any LEs in the loan file. The violation can be cured by providing the initial LE within 3 days of application date of XX/XX/XXXX. Additional testing will be completed once the initial LE is provided. | Document Uploaded. | 03/10/2026 | LEs provided; exception resolved | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 791 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 34.95% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 16.75 years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 923 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated XX/XX/XXXX; however, missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 03/09/2026 | Evidence of eConsent is provided. | 03/10/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 791 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 34.95% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 16.75 years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 923 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 791 is greater than Guideline minimum FICO of 700<br>Qualifying DTI below max allowed. - Calculated DTI of 34.95% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 16.75 years on job. A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 891 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FCRE1295 | Credit | Income 4 Months Income Verified is Missing | Income 4 Months Income Verified is Missing The lender is using rental income from 6 additional properties listed on the borrower's final loan application. The file does contain evidence of rental income via a lease or the Operating Income Statement from a recent appraisal. However, the loan application shows the borrower recently refinanced these properties with NQM. There was no verification of the payment used by lender for the following 6 properties: XXXX | Document Uploaded. ; Document Uploaded. ; Document Uploaded. | 03/16/2026 | REO evidence provided. Resolved, ; Condition remains - the loan application shows the borrower recently refinanced these properties with NQM. There was no verification of the payment used by lender for the following 6 properties: XXXX | 03/17/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 4.16 years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 891 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 4.16 years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 891 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 4.16 years on job. A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 892 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 03/09/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of 26.78% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 4.16 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 892 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of 26.78% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 4.16 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 892 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/10/2026 | Qualifying DTI below max allowed. - Calculated DTI of 26.78% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 4.16 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 735 is greater than Guideline minimum FICO of 700 A | A | A | A | A | A | A | A | A | A | A | A | A |
| 927 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/11/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 03/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 3.18 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 755 is greater than Guideline minimum FICO of 720 A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 927 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2026 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | TILA 130b Cure Required. Refund in the amount of $1,647.60, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The 10% tolerance violation is due to the increase of the Recording Fee from $284.00 on the initial LE dated XX/XX/XXXX, to $1,960.00 on the final CD dated 3/6/2026. COC in file dated 2/27/2026 does not itemize any recording fees or detail a valid reason why the fee increased (interest rate lock). Please provide a valid COC for the fee increase or cure package. This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,960.00) exceed the comparable charges ($284.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Document Uploaded. | 03/25/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 03/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 3.18 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 755 is greater than Guideline minimum FICO of 720 A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 927 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 3.18 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 755 is greater than Guideline minimum FICO of 720 A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 927 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/12/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br>Borrower has stable job time - Borrower has 3.18 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 755 is greater than Guideline minimum FICO of 720 A | C | B C A | C A | C A | C A | C A | C B A | B A | B A | B A | B A | B |
| 911 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2026 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender used rental income for investment property at XXXX. Per guidelines, dated XX/XX/XXXX, rental income used without tax returns require evidence the rental amount is at market rate, which can be documented via a 1007 or through an online source. This evidence was missing from file. | Document Uploaded. ; Document Uploaded. | 03/17/2026 | Income and Employment Meet Guidelines; Correct evidence provided; Client provided Zillow evidence for XXXX however condition is for XXXX. Countered. | 03/18/2026 | Borrower has stable job time - Borrower has 22.78 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 776 is greater than Guideline minimum FICO of 700 A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 911 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2026 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | 03/16/2026 | Required Affiliated Business Disclosure Documentation Provided | 03/17/2026 | Borrower has stable job time - Borrower has 22.78 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 776 is greater than Guideline minimum FICO of 700 A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 911 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/12/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/12/2026 | Borrower has stable job time - Borrower has 22.78 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 776 is greater than Guideline minimum FICO of 700 A | B | A C | B C A | B C A | B C A | B C A | B A | A | A | A | A | A |
| 913 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXXX) is insufficient, not meeting the required coverage amount of ($XXXX). Guidelines, dated 02/13/2026, require hazard insurance to cover the unpaid principal balance of the mortgage or have 100% replacement cost coverage. The State of Florida enacted a statute effective 5/2021 that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. However, the coverage is less than the loan amount, Loan amount $XXXX, coverage $XXXX. Hazard does not cover amount of cost new on appraisal either. | Document Uploaded. | 03/19/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Client provided evidence that shows Replacement Cost with Limit or Insurance of $1M | 03/20/2026 | Borrower has stable job time - Borrower has 4.82 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 913 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/17/2026 | Borrower has stable job time - Borrower has 4.82 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 913 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/17/2026 | Borrower has stable job time - Borrower has 4.82 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 902 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCOM1207 | Compliance | The Note is Not Executed | The Note is Not Executed Missing executed Note, as required by guidelines, dated XX/XX/XXXX | Document Uploaded. | 03/20/2026 | The Note is Executed; Executed Note provided. | 03/25/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 799 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 36.19% is less than Guideline DTI of 50% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 902 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/15/2026 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Documentation required to clear exception: Final CD is missing from the file. | Document Uploaded. | 03/20/2026 | TRID: Final Closing Disclosure Provided | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 799 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 36.19% is less than Guideline DTI of 50% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 902 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/16/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 03/20/2026 | E consent provided, exception resolved; Evidence of eConsent is provided. | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 799 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 36.19% is less than Guideline DTI of 50% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 902 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/15/2026 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing Missing final 1003 for B1 and B2, as required by guidelines, dated 02/13/2026. | Document Uploaded. | 03/20/2026 | The Final 1003 is Present; 1003 provided | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 799 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 36.19% is less than Guideline DTI of 50% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 902 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed Missing executed Deed of Trust, as required by guidelines, dated 02/13/2026. | Document Uploaded. | 03/20/2026 | The Deed of Trust is Executed; Executed DOT provided | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 799 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 36.19% is less than Guideline DTI of 50% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 902 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 799 is greater than Guideline minimum FICO of 760<br>Qualifying DTI below max allowed. - Calculated DTI of 36.19% is less than Guideline DTI of 50% A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 901 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 03/15/2026 | Resolved | FCOM1207 | Compliance | The Note is Not Executed | The Note is Not Executed | Document Uploaded. | 03/20/2026 | The Note is Executed; Note provided | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of 28.2% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 752 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 20.1 years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 901 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 03/15/2026 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed | Document Uploaded. | 03/20/2026 | The Deed of Trust is Executed | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of 28.2% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 752 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 20.1 years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 901 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 03/17/2026 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing | Document Uploaded. | 03/20/2026 | The Final 1003 is Present; Final provided | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of 28.2% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 752 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 20.1 years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 901 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM: Exempt | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/18/2026 | Qualifying DTI below max allowed. - Calculated DTI of 28.2% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 752 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 20.1 years on job. A | C | A D | C D A | C D A | C D A | C D A | C A | A | A | A | A | A |
| 928 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Cured | finding-3634 | Compliance | 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 $4.00.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). | Document Uploaded. | 03/24/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; TILA 130 Cure Required. Refund in the amount of $4.00; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of $4.00 is due to increase from $177.00 to $181.00 for the Verification Of Employment Fee. | 03/25/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.72% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 64.72% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 720 D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 928 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Need VVOE within 10days of note date | Document Uploaded. | 03/23/2026 | Borrower 1 3rd Party VOE Prior to Close Was Provided; VVOE dated 03-02-2026 provided. | 03/24/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.72% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 64.72% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 720 D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 928 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.72% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 64.72% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 739 is greater than Guideline minimum FICO of 720 D A | C | B D A | C D A | C D A | C D A | C D A | C B A | B A | B A | B A | B A | B |
| 898 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide e-signature dated on or beforeXX/XX/XXXX | Document Uploaded. | 03/23/2026 | E consent provided, exception resolved; Evidence of eConsent is provided. | 03/23/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 28.01% is less than Guideline DTI of 50% B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 898 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 28.01% is less than Guideline DTI of 50% B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 898 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | OH | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 774 is greater than Guideline minimum FICO of 740<br>Qualifying DTI below max allowed. - Calculated DTI of 28.01% is less than Guideline DTI of 50% B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 897 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Document Uploaded. | 03/23/2026 | E consent provided, exception resolved; Evidence of eConsent is provided. | 03/23/2026 | B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 897 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | HPML compliant | 03/20/2026 | B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 897 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | PA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 03/20/2026 | B A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 883 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | HPML compliant | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of 5.64% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 6.93 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 883 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of 5.64% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 6.93 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 883 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of 5.64% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 6.93 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 914 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows and appraisal requirements met. Exception downgraded to a A. |  |  | HPML compliant | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of 19.61% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 30.45 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 914 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of 19.61% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 30.45 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 914 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 03/20/2026 | Qualifying DTI below max allowed. - Calculated DTI of 19.61% is less than Guideline DTI of 50%<br>Borrower has stable job time - Borrower has 30.45 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 884 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/19/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated XX/XX/XXXX; however, file is missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 03/23/2026 | E consent provided, exception resolved; Evidence of eConsent is provided. | 03/23/2026 | Borrower has stable job time - Borrower has 16.11 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 744 is greater than Guideline minimum FICO of 660 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 884 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/20/2026 | Borrower has stable job time - Borrower has 16.11 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 744 is greater than Guideline minimum FICO of 660 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 884 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/20/2026 | Borrower has stable job time - Borrower has 16.11 years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 744 is greater than Guideline minimum FICO of 660 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 886 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 03/19/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 32.32% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 9.09 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 886 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 32.32% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 9.09 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 886 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | ATR/QM: Exempt | Loan Review Complete | 03/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/20/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 32.32% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br>Borrower has stable job time - Borrower has 9.09 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 903 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required- First e-signed document in the file is dated XX/XX/XXXX; however, the file is missing proof of e-consent dated XX/XX/XXXX or before. | Document Uploaded. | 04/01/2026 | Evidence of eConsent is provided. | 04/02/2026 | Borrower has stable job time - Borrower has 2.95 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 790 is greater than Guideline minimum FICO of 740 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 903 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/30/2026 | Borrower has stable job time - Borrower has 2.95 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 790 is greater than Guideline minimum FICO of 740 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 903 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | TX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/30/2026 | Borrower has stable job time - Borrower has 2.95 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 790 is greater than Guideline minimum FICO of 740 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 908 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | ID | ATR/QM Exempt | Loan Review Complete | 01/23/2026 | Resolved | 92300199707-01 | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 890 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NC | ATR/QM Exempt | Loan Review Complete | 03/04/2026 | Resolved | 92010202006-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 929 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NJ | ATR/QM Exempt | Loan Review Complete | 03/12/2026 | Resolved | 92400204828-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 912 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | ATR/QM Exempt | Loan Review Complete | 03/12/2026 | Resolved | 92300204769-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 882 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM Exempt | Loan Review Complete | 03/12/2026 | Resolved | 90100199479-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 888 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | NY | ATR/QM Exempt | Loan Review Complete | 03/13/2026 | Resolved | 11500713624 | Credit | Title Insurance Missing or Defective | Title Commitment is missing lender's name with mortgagee clause. Please provide updated title policy with ISAOA/ATIMA verbiage | 20260323: The mortgagee reflected on title is correct. See policy under loss payee clause. Here ie outlines what mortgagee name should be reflected for NY properties. | 3/23/2026 | 20260323: TITLE Received | 03/23/2026 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 895 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | MS | ATR/QM Exempt | Loan Review Complete | 03/13/2026 | Resolved | 92010203397-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 900 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CO | ATR/QM Exempt | Loan Review Complete | 03/16/2026 | Resolved | 92010203951-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 930 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM Exempt | Loan Review Complete | 03/17/2026 | Resolved | 11526208462 | Credit | Title Insurance Missing or Defective | The provided preliminary title report is missing the mortgagee clause following the lender's name. Please provide an updated title supplement that includes the mortgagee clause after the lender's name | 20260319: Title uploaded | 3/19/2026 | 20260319: Received Title | 03/19/2026 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 924 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | VA | ATR/QM Exempt | Loan Review Complete | 03/18/2026 | Resolved | 92300205191-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 896 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | IN | ATR/QM Exempt | Loan Review Complete | 03/18/2026 | Resolved | 92010203603-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 889 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM Exempt | Loan Review Complete | 03/18/2026 | Acknowledged | 11542601365 | Credit | DSCR Minimum Not Met | 1.06 DSCR < 1.25 minimum DSCR required for first time investors. Borrower does not appear to have a history of operating income producing properties. | 20260327: Exception Waiver | 3/27/2026 | 20260327: Exception Waiver received | 03/27/2026 | FICO 20+ point greater than program requirements, VOR/VOM 0x30x24 B A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 894 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | FL | ATR/QM Exempt | Loan Review Complete | 03/19/2026 | Resolved | 92010202997-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 899 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | GA | ATR/QM Exempt | Loan Review Complete | 03/27/2026 | Resolved | 11613688046 | Credit | Deed Missing or Defective | Missing Conveyance Deed from XXX to XXXX | 20260330: Uploaded Deed | 3/30/2026 | 20260330: Received Deed | 03/30/2026 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 904 | XXXX |  |  | XXXX | XXXX | XX/XX/XXXX | XXXX | CA | ATR/QM Exempt | Loan Review Complete | 04/01/2026 | Resolved | 92010204911-01 | Credit | No Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| Marketing ID | **Loan ID** | **Alt Loan Number** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 906 | XXXX | XXXX |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 35.00 | 35.00 | XXXX | 0.00 | 0.0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.0000 | XXXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 905 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | 42.55 | 42.55 | XXXX | 0.00 | 0.0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 925 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 65.00 | 65.00 | XXXX | 0.00 | 0.0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 926 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 77.60 | 77.60 | XXXX | XXXX | -0.0782 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.0782 | 87.00 | 0.13 | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 909 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 19.23 | 19.23 | XXXX | 0.00 | 0.0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 907 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 65.00 | 65.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 910 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 | XXXX | 0.00 | 0.0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 887 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 29.94 | 29.94 | XXXX | 0.00 | 0.0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.1781 | 88.00 | 0.12 | XXXX | XXXX | XX/XX/XXXX | XXXX | 0.00 | 0.0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 893 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 75.00 | 75.00 | XXXX | XXXX | 0.0315 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.0315 | 72.00 | 0.28 | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 885 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | 55.15 | 55.15 | XXXX | 0.00 | 0.0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 923 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | 75.00 | 75.00 | XXXX | XXXX | -0.0770 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.077 | 86.00 | 0.14 | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | -0.0059 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 891 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 75.00 | 75.00 | XXXX | 0.00 | 0.0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 892 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 75.00 | 75.00 | XXXX | XXXX | 0.0163 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.0163 | 69.00 | 0.31 | XXXX | XXXX | XX/XX/XXXX | XXXX | 0.00 | 0.0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 927 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 | XXXX | XXXX | 0.0781 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.0781 | 98.00 | 0.02 | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 911 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 913 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 70.00 | 70.00 | XXXX | 0.00 | 0.0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 902 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 | XXXX | XXXX | 0.0567 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.0567 | 97.00 | 0.03 | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 901 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 75.00 | 75.00 | XXXX | XXXX | 0.0150 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.015 | 91.00 | 0.09 | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 928 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 64.72 | 64.72 | XXXX | 0.00 | 0.0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.0599 | 85.00 | 0.15 | XXXX | XXXX | XX/XX/XXXX | XXXX | 0.00 | 0.0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 898 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 75.00 | 75.00 | XXXX | XXXX | 0.0114 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.0114 | 96.00 | 0.04 | XXXX | XXXX | XX/XX/XXXX | XXXX | 0.00 | 0.0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 897 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 | XXXX | XXXX | 0.1601 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.1601 | 94.00 | 0.06 | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 883 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | 85.00 | 85.00 | XXXX | XXXX | -0.0151 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.0151 | 93.00 | 0.07 | XXXX | XXXX | XX/XX/XXXX | XXXX | 0.00 | 0.0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 914 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 884 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | 60.00 | 60.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 886 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | 65.00 | 65.00 | XXXX | 0.00 | 0.0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.0000 | XXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 903 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 908 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX/XX/XXXX | 1004 | XXXX | 69.18 | 69.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 890 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX/XX/XXXX | 1004 | XXXX | 65.00 | 65.00 | XXXX | 0.00 | 0.0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 929 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX/XX/XXXX | 1004 | XXXX | 85.00 | 85.00 | XXXX | 0.00 | 0.0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 912 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  |  | XXXX | XX/XX/XXXX | 1025 | XXXX | 70.00 | 70.00 | XXXX | 0.00 | 0.0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 882 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  |  | XXXX | XX/XX/XXXX | 1004 | XXXX | 75.00 | 75.00 | XXXX | 0.00 | 0.0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible | 4.5 |  |
| 888 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX/XX/XXXX | 1004 | XXXX | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 895 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  |  | XXXX | XX/XX/XXXX | 1004 | XXXX | 75.00 | 75.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Eligible | 2.3 |  |
| 900 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  |  | XXXX | XX/XX/XXXX | 1004 | XXXX | 35.16 | 35.16 | XXXX | XXXX | -0.0916 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.0916 | 90.00 | 0.10 | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 930 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  |  | XXXX | XX/XX/XXXX | 1004 | XXXX | 54.55 | 54.55 |  |  |  |  |  |  |  |  | XXXX | XXXX | -3.93% | XX/XX/XXXX | 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 924 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  |  | XXXX | XX/XX/XXXX | 1004 | XXXX | 63.64 | 63.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 896 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  |  | XXXX | XX/XX/XXXX | 1025 | XXXX | 75.00 | 75.00 | XXXX | 0.00 | 0.0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 889 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX/XX/XXXX | 1004 | XXXX | 80.00 | 80.00 | XXXX | XXXX | 0.0154 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.0154 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 894 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX/XX/XXXX | 1004 | XXXX | 45.00 | 45.00 | XXXX | XXXX | 0.0071 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.0071 | 97.00 | 0.03 | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 899 | XXXX |  |  |  | XX/XX/XXXX | XXXX | XXXX |  | XXXX | XX/XX/XXXX | 1004 | XXXX | 70.00 | 70.00 | XXXX | XXXX | -0.0169 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -0.0169 | 95.00 | 0.05 | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 904 | XXXX |  |  |  | XX/XX/XXXX | XXXX |  |  | XXXX | XX/XX/XXXX | 1025 | XXXX | 70.00 | 70.00 | XXXX | 0.00 | 0.0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.00 | 0.0000 | XXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Alt Loan Number** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 906 | XXXX | XXXX |  | Borrower 1 FTHB | true | N | Per 1003 |
| 906 | XXXX | XXXX |  | Loan Program | CHM Alt Doc Prime Guidelines | Non Agency QM | Per loan approval |
| 906 | XXXX | XXXX |  | Originator Doc Type | Asset Depletion – Debt Ratio Calculation | ALT DOC | Per loan approval |
| 906 | XXXX | XXXX |  | Total Qualified Assets Available | 661197.66 | 665197.66 | Per asset statements minus reserves |
| 906 | XXXX | XXXX |  | Total Liquid Assets Available For Close | 533917.45 | 661197.66 | Per asset statements minus reserves |
| 906 | XXXX | XXXX |  | Qualifying Total Reserves Number of Months | 220.91 | 219.00 | Rounding |
| 906 | XXXX | XXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 905 | XXXX |  |  | Property Value | XXXX | XXXX | Verified with the appraisal, the lower purchase price used to qualify. |
| 905 | XXXX |  |  | Qualifying All Borrower Residual Income | 1601.84 | 1790.23 | Verified with the income and liabilities |
| 925 | XXXX |  |  | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Maturity Date XX/XX/XXXX confirmed using Note. |
| 925 | XXXX |  |  | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | First Payment Date XX/XX/XXXX confirmed using Note. |
| 925 | XXXX |  |  | ULI | XXXX | XXXX | ULI confirmed using Final 1003. |
| 925 | XXXX |  |  | Qualifying Total Reserves Number of Months | 15.44 | 17.04 | Qualifying Total Reserves Number of Months confirmed using proceeds from cash out. |
| 925 | XXXX |  |  | Qualifying All Borrower Residual Income | 58837.47 | 62573.47 | Per guidelines not required. |
| 926 | XXXX |  |  | MIN No | XXXX | XXXX | MIN No confirmed using Deed of Trust. |
| 926 | XXXX |  |  | Qualifying Total Reserves Number of Months | 18.18 | 17.20 | Qualifying Total Reserves Number of Months confirmed using most recent bank statement. |
| 926 | XXXX |  |  | Qualifying All Borrower Residual Income | 93069.84 | 110452.19 | Not required per guidelines. |
| 909 | XXXX |  |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Note Date verified XX/XX/XXXX Notary Date states XX/XX/XXXX |
| 909 | XXXX |  |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Application created XX/XX/XXXX but signed by Borrower XX/XX/XXXX |
| 909 | XXXX |  |  | Verified Doc Type | 2YR Full Doc | Asset Depletion | 2YR Full Doc veified |
| 909 | XXXX |  |  | Qualifying All Borrower Residual Income | 34925.43 | 64338.29 | Residual income verified at 34925.43 |
| 907 | XXXX |  |  | Qualifying All Borrower Residual Income | 10693.43 | 13993.99 | Audit residual income is calculated by taking the total income minus the total liabilities. |
| 887 | XXXX |  |  | Property Value | XXXX | XXXX | The 1004 report dated XX/XX/XXXX valued the property at $XXXX |
| 887 | XXXX |  |  | Qualifying Total Reserves Number of Months | 73.81 | 37.37 | The available post closing assets =73.81 months reserves. |
| 887 | XXXX |  |  | Qualifying All Borrower Residual Income | 10597.49 | 11349.04 | The calculated qualifying residual income =$10,597.49. |
| 893 | XXXX |  |  | Qualifying Total Reserves Number of Months | 149.01 | 146.79 | Verified to assets |
| 893 | XXXX |  |  | Qualifying All Borrower Residual Income | 22848.4 | 18987.45 | Based on verified income and total debts |
| 885 | XXXX |  |  | Qualifying Total Reserves Number of Months | 6.13 | 6.02 | Verified with the most recent asset statements and cash out. |
| 885 | XXXX |  |  | Qualifying All Borrower Residual Income | 11171.39 | 12492.39 | Verified with the income and liabilities. |
| 923 | XXXX |  |  | MIN No | XXXX | XXXX | Verified to Deed |
| 923 | XXXX |  |  | Qualifying All Borrower Residual Income | 12852.44 | 15322.48 | Based on verified income and total debts |
| 891 | XXXX |  |  | Qualifying Total Reserves Number of Months | 173.04 | 26.81 | Audit reserves are confirmed from the bank statements in file. |
| 891 | XXXX |  |  | Qualifying All Borrower Residual Income | 22800.62 | 19213.84 | Audit residual income is calculated by taking the total income minus the total liabilities. |
| 892 | XXXX |  |  | Qualifying Total Reserves Number of Months | 196.61 | -0.84 | The post closing assets 196 months reserves. |
| 892 | XXXX |  |  | Qualifying All Borrower Residual Income | 27874.79 | 19087.31 | There is no guideline residual income requirement for this transaction. |
| 927 | XXXX |  |  | MIN No | XXXX | XXXX | Verified with the Security Instrument |
| 927 | XXXX |  |  | Property Type | PUD | Single Family Detached | Verified with the aprpaisal |
| 927 | XXXX |  |  | Qualifying Total Reserves Number of Months | 3.53 | 6.70 | Verified with the Most recent asset statements. and 98% of the Business account. |
| 927 | XXXX |  |  | Qualifying All Borrower Residual Income | 8916.71 | 11283.14 | Verified with the income and Liabilities. |
| 911 | XXXX |  |  | Property Value | XXXX | XXXX | Using Purchase price as property value since it is lower than the appraised value |
| 911 | XXXX |  |  | MIN No | XXXX | XXXX | Per Note |
| 911 | XXXX |  |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | Per loan detail report |
| 911 | XXXX |  |  | Qualifying FICO | 776 | 760 | Per credit report middle score |
| 911 | XXXX |  |  | Qualifying All Borrower Residual Income | 4226.88 | 4012.02 | Per monthly income less all debts |
| 913 | XXXX |  |  | MIN No | XXXX | XXXX | Per Note |
| 913 | XXXX |  |  | Prepayment Penalty | Yes | No | Per Note |
| 913 | XXXX |  |  | Qualifying All Borrower Residual Income | 13475.47 | 11171.97 | Per monthly income less all debts |
| 902 | XXXX |  |  | Property Type | Condominium | Other | Per Mortgage Rider |
| 902 | XXXX |  |  | Qualifying Total Reserves Number of Months | 36.35 | 9.62 | Per assets |
| 902 | XXXX |  |  | Qualifying All Borrower Residual Income | 32172.24 | 48346.22 | Per monthly income less all debts |
| 901 | XXXX |  |  | Application Date | XX/XX/XXXX | XX/XX/XXXX | True Data reflect date application - Tape Data reflects date Loan originator signed |
| 901 | XXXX |  |  | Qualifying Total Reserves Number of Months | 13.02 | 10.53 | Reserves verified |
| 901 | XXXX |  |  | Qualifying All Borrower Residual Income | 72358.31 | 96934.19 | Residual verified |
| 928 | XXXX |  |  | ULI | XXXX | XXXX | ULI updated as per Final 1003. |
| 928 | XXXX |  |  | MIN No | XXXX | XXXX | Confirmed - Updated as per Mortgage. |
| 928 | XXXX |  |  | Qualifying Total Reserves Number of Months | 156.67 | 153.29 | Reserve updated as per Guidelines. |
| 928 | XXXX |  |  | Qualifying All Borrower Residual Income | 6722.7 | 7879.89 | As per Guidelines minium requirement of resdiual income as $3500 for Max DTI as 55% |
| 898 | XXXX |  |  | Property Value | XXXX | XXXX | Updated as Per Appraisal |
| 898 | XXXX |  |  | Qualifying Total Reserves Number of Months | 8.88 | 7.70 | Updated as Per Assets |
| 898 | XXXX |  |  | Qualifying All Borrower Residual Income | 13595.91 | 15726.91 | Qualifying DTI is Less than 43%, hence not Updated residual income. |
| 897 | XXXX |  |  | Property Value | XXXX | XXXX | Updated as Per Appraisal |
| 897 | XXXX |  |  | Qualifying Total Reserves Number of Months | 86.07 | 86.41 | Updated as Per Assets. |
| 897 | XXXX |  |  | Qualifying All Borrower Residual Income | 1623.97 | 1624.14 | Updated as Per Guidelines |
| 883 | XXXX |  |  | Property Type | Condominium | Other | Property Type is Condominium Only, Confirmed with Appraisal and Rider |
| 883 | XXXX |  |  | Qualifying Total Reserves Number of Months | 11.62 | 11.18 | Updated as Per Assets |
| 883 | XXXX |  |  | Qualifying All Borrower Residual Income | 161966.26 | 165395.16 | Updated as Per Guidelines. |
| 914 | XXXX |  |  | Note Date | XX/XX/XXXX | XX/XX/XXXX | Note Date is XX/XX/XXXX |
| 914 | XXXX |  |  | Property Value | XXXX | XXXX | Property Value XXXX per appraisal |
| 914 | XXXX |  |  | MIN No | XXXX | XXXX | MIN No XXXX |
| 914 | XXXX |  |  | Qualifying All Borrower Residual Income | 32421.92 | 38731.03 | Qualifying All Borrower Residual Income is $31120.09 |
| 884 | XXXX |  |  | Qualifying Total Reserves Number of Months | 99.21 | 98.44 | Verified assets using cash proceeds |
| 884 | XXXX |  |  | Qualifying All Borrower Residual Income | 4549.85 | 6185.85 | Verified Residual income using income and total expenses |
| 886 | XXXX |  |  | Qualifying Total Reserves Number of Months | 11 | 10.97 | Qualifying Total Reserves Number of Months-11 |
| 886 | XXXX |  |  | Qualifying All Borrower Residual Income | 22370.17 | 26928.98 | Qualifying All Borrower Residual Income-22535.36 |
| 903 | XXXX |  |  | Property Value | XXXX | XXXX | True Data is Property Value XXXX - Tape Data XXXX |
| 903 | XXXX |  |  | Qualifying Total Reserves Number of Months | 34.99 | 29.15 | 3 months reserves required - verified with assets |
| 903 | XXXX |  |  | Qualifying All Borrower Residual Income | 9996.3 | 12689.80 | residual income not required for <43% |
| 908 | XXXX |  |  | Qualifying Value | XXXX | XXXX | Per appraisal, as-is value is $XXXX |
| 908 | XXXX |  |  | T & I Payment | $213.42 | $400.00 | $171.25 Taxes + $42.17 Ins. = $213.42 T&I |
| 912 | XXXX |  |  | DSCR | 1.00 | 0.80 | $4,700.00 Rent / $4,689.43 PITIA = 1.00 DSCR |
| 912 | XXXX |  |  | T & I Payment | $800.74 | $808.00 | $579.82 Tax + $220.92 Insurance = $800.74 T&I |
| 930 | XXXX |  |  | DSCR | 1.59 | 1.61 | $30,240.00 Rent / $18,993.12 PITIA = 1.59 DSCR |
| 930 | XXXX |  |  | T & I Payment | $2430.62 | $2104.00 | $852.58 Insurance + $1,578.04 Tax = $2,430.62 T&I |
| 924 | XXXX |  |  | T & I Payment | $364.37 | $361.00 | $124.59 Insurance + $239.79 Tax = $364.37 T&I |
| 889 | XXXX |  |  | Qualifying FICO | 796 | 802 | Taking lower of two members median scores |
| 894 | XXXX |  |  | Property Type | Townhouse | PUD | Appraiser reflects subject property as a Townhouse |
| 899 | XXXX |  |  | Qualifying FICO | 0 |  | Foreign National |
| 899 | XXXX |  |  | Property Type | SFR | PUD | sfr |

---