# EDGAR Filing Document

**Accession Number:** 0002083697
**File Stem:** 0001104659-26-079307
**Filing Date:** 2026-6
**Character Count:** 5845534
**Document Hash:** da39ef76a6355bb53d2a2b6f4da41d46
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-26-079307.hdr.sgml**: 20260630

**ACCESSION NUMBER**: 0001104659-26-079307

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

**PUBLIC DOCUMENT COUNT**: 37

**CONFORMED PERIOD OF REPORT**: 20260630

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

**FILED AS OF DATE**: 20260630

**DATE AS OF CHANGE**: 20260630

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor III, LLC
- **CENTRAL INDEX KEY:** 0002083697
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 393805465
- **STATE OF INCORPORATION:** DC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07921
- **FILM NUMBER:** 261140367

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

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor III, LLC
- **CENTRAL INDEX KEY:** 0002083697
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 393805465
- **STATE OF INCORPORATION:** DC
- **FISCAL YEAR END:** 1231

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

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

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor III, LLC
- **CENTRAL INDEX KEY:** 0002083697
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 393805465
- **STATE OF INCORPORATION:** DC
- **FISCAL YEAR END:** 1231

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

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

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

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

◻ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period

___________________ to ___________________

Date of Report (Date of earliest event reported) __________________________

Commission File Number of securitizer: __________________________

Central Index Key Number of securitizer: __________________________

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

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

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

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

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

Central Index Key Number of depositor: 0002083697

**Verus Securitization Trust 2026-6**

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

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

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

---

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

---

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

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

N/A

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

N/A

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

N/A

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

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

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

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

N/A

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](tm2619057d1_ex99-1.htm) | [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm2619057d1_ex99-1.htm) |
| [99.2](tm2619057d1_ex99-2.htm) | [AMC Data Compare Report](tm2619057d1_ex99-2.htm) |
| [99.3](tm2619057d1_ex99-3.htm) | [AMC Exception Grades](tm2619057d1_ex99-3.htm) |
| [99.4](tm2619057d1_ex99-4.htm) | [AMC Rating Agency Grades](tm2619057d1_ex99-4.htm) |
| [99.5](tm2619057d1_ex99-5.htm) | [AMC QM-ATR Diligence Report](tm2619057d1_ex99-5.htm) |
| [99.6](tm2619057d1_ex99-6.htm) | [AMC Valuation Report](tm2619057d1_ex99-6.htm) |
| [99.7](tm2619057d1_ex99-7.htm) | [AMC Supplemental Data](tm2619057d1_ex99-7.htm) |
| [99.8](tm2619057d1_ex99-8.htm) | [AMC Tax and Title Report](tm2619057d1_ex99-8.htm) |
| [99.9](tm2619057d1_ex99-9.htm) | [Canopy Financial Technology Partners, LLC ("Canopy") Narrative](tm2619057d1_ex99-9.htm) |
| [99.10](tm2619057d1_ex99-10.htm) | [Canopy Rating Agency Grades Detail Report](tm2619057d1_ex99-10.htm) |
| [99.11](tm2619057d1_ex99-11.htm) | [Canopy Rating Agency Grades Summary Report](tm2619057d1_ex99-11.htm) |
| [99.12](tm2619057d1_ex99-12.htm) | [Canopy Data Compare Report](tm2619057d1_ex99-12.htm) |
| [99.13](tm2619057d1_ex99-13.htm) | [Canopy ATR QM Report](tm2619057d1_ex99-13.htm) |
| [99.14](tm2619057d1_ex99-14.htm) | [Canopy Valuation Report](tm2619057d1_ex99-14.htm) |
| [99.15](tm2619057d1_ex99-15.htm) | [Clarifii LLC ("Clarifii") Executive Summary](tm2619057d1_ex99-15.htm) |
| [99.16](tm2619057d1_ex99-16.htm) | [Clarifii Rating Agency Grades Detail Report](tm2619057d1_ex99-16.htm) |
| [99.17](tm2619057d1_ex99-17.htm) | [Clarifii Rating Agency Grades Summary Report](tm2619057d1_ex99-17.htm) |
| [99.18](tm2619057d1_ex99-18.htm) | [Clarifii Data Compare Report](tm2619057d1_ex99-18.htm) |
| [99.19](tm2619057d1_ex99-19.htm) | [Clarifii ATR QM Report](tm2619057d1_ex99-19.htm) |
| [99.20](tm2619057d1_ex99-20.htm) | [Clarifii Valuation Report](tm2619057d1_ex99-20.htm) |
| [99.21](tm2619057d1_ex99-21.htm) | [Clarifii Tax and Title Report](tm2619057d1_ex99-21.htm) |
| [99.22](tm2619057d1_ex99-22.htm) | [Clarifii Multi Property Valuation Report](tm2619057d1_ex99-22.htm) |
| [99.23](tm2619057d1_ex99-23.htm) | [Selene Diligence LLC ("Selene") Due Diligence Review Narrative ("Report")](tm2619057d1_ex99-23.htm) |
| [99.24](tm2619057d1_ex99-24.htm) | [Selene Rating Agency Grades Detail Report](tm2619057d1_ex99-24.htm) |
| [99.25](tm2619057d1_ex99-25.htm) | [Selene Rating Agency Grades Report](tm2619057d1_ex99-25.htm) |
| [99.26](tm2619057d1_ex99-26.htm) | [Selene Data Compare Report](tm2619057d1_ex99-26.htm) |
| [99.27](tm2619057d1_ex99-27.htm) | [Selene ATR QM Detail](tm2619057d1_ex99-27.htm) |
| [99.28](tm2619057d1_ex99-28.htm) | [Selene Valuations Report](tm2619057d1_ex99-28.htm) |
| [99.29](tm2619057d1_ex99-29.htm) | [Selene Multi Property Valuation Report](tm2619057d1_ex99-29.htm) |

---

**SIGNATURE**

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

Date: June 30, 2026

---

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

---

## Exhibit 99.1

**EXHIBIT 99.1** 

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

![](tm2619057d1_ex99-1img001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans (as defined in (2) below) originated by multiple correspondent lenders and acquired directly (or indirectly through Delaware statutory trusts) on a flow or mini-bulk basis by VMC Asset Pooler, LLC, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted from July 2025 through May 2026 on Loans with origination dates from June 2025 through May 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 one hundred ninety-four (194) Loans totaling an aggregate original principal balance of approximately $105.462 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), DBRS ("DBRS") and Moody's Investors Service, Inc. ("Moodys").

**(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;Contract Sales Price | &nbsp;&nbsp;Original HLTV |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;As-Is Value Used For LTV Calculation | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Original As-Is LTV | &nbsp;&nbsp;Value Used For LTV Calculation |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Zip |

---

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

1 \| P a g e

![](tm2619057d1_ex99-1img001.jpg)

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

Of specific note, there were one hundred sixteen (116) Loans where the income was verified, and a DTI was calculated within Credit and Compliance Scope. The Client's program allowed for income documentation to be provided via bank statements, WVOE, Asset Depletion, CPA letters and P&Ls. Within this securitization, seventeen (17) Loans utilized twelve (12) months P&L statements, one (1) Loan utilized WVOE, five (5) Loans utilized Asset Depletion, three (3) Loans utilized CPA letters, two (2) Loans utilized twenty-four (24) months or more of bank statements, and sixty-five (65) Loans utilized twelve (12) through twenty-three (23) months of bank statements. The rest of the Loans were underwritten to tax returns, W-2s, 1099s or traditional methods of documentation with sixteen (16) Loans only having 24 months of income verification and seven (7) Loans only having 12 months of income verification.

There were twenty-two (22) Loans that were considered Business Purpose/Property Focused Investor Loans. Fifty-Six (56) Loans were Property Focused Loans with DSCR calculation.

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

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

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

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

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

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

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**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.

2 \| P a g e

![](tm2619057d1_ex99-1img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

▪ 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.

3 \| P a g e

![](tm2619057d1_ex99-1img001.jpg)

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

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

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

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

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

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

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

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

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

---

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

---

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

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

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

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 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.

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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

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.

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&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;

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;

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>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.

 

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*<u>Qualified Mortgage</u>*

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

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

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

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

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For the 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.).

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

 

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

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

 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>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.

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

**(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.

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**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS AND CONCLUSIONS** 

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

**OVERALL REVIEW RESULTS SUMMARY**

Of the one hundred ninety-four (194) Loans reviewed under the applicable grading criteria, all one hundred ninety-four (194) Loans received an overall "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moodys & DBRS Overall Loan Grades** | &nbsp;&nbsp;**Moodys & DBRS Overall Loan Grades** | &nbsp;&nbsp;**Moodys & DBRS Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;163 | &nbsp;&nbsp;84.02% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;31 | &nbsp;&nbsp;15.98% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp; 0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**194** | &nbsp;&nbsp;**100.00%** |

---

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**COMPLIANCE RESULTS SUMMARY**

Of the one hundred sixteen (116) Loans reviewed for compliance under the applicable Moodys & DBRS grading criteria, all one hundred sixteen (116) Loans received an "A" or "B" compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Moodys & DBRS Compliance Loan Grades** | &nbsp;&nbsp; **Moodys & DBRS Compliance Loan Grades** | &nbsp;&nbsp; **Moodys & DBRS Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100 | &nbsp;&nbsp;86.21% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;13.79% |
| &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;**116** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Loan Grades**

**CREDIT RESULTS SUMMARY**

All one hundred ninety-four (194) Loans reviewed under the applicable grading criteria, received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moodys & DBRS Credit Loan Grades** | &nbsp;&nbsp;**Moodys & DBRS Credit Loan Grades** | &nbsp;&nbsp;**Moodys & DBRS Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;174 | &nbsp;&nbsp;89.69% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;20 | &nbsp;&nbsp;10.31% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**194** | &nbsp;&nbsp;**100.00%** |

---

**Credit Loan Grades**

**PROPERTY/VALUATION RESULTS SUMMARY**

All one hundred ninety-four (194) Loans reviewed under the applicable grading criteria received an "A" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moodys & DBRS Property Loan Grades** | &nbsp;&nbsp;**Moodys & DBRS Property Loan Grades** | &nbsp;&nbsp;**Moodys & DBRS Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;194 | &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;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**194** | &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").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Final <br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***21*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**21** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &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;***29*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**29** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**50** |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the one hundred ninety-four (194) Loans reviewed, ninety-two (92) unique Loans had one hundred seventy-two (172) different tape discrepancies across twenty-nine (29) data fields (some Loans had more than one data delta). The largest variances were found on Borrower Last Name, Contract Sales Price and Borrower First Name, where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;194 | &nbsp;&nbsp;0.52% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;129 | &nbsp;&nbsp;2.33% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;181 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;79 | &nbsp;&nbsp;2.53% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;As-Is Value Used For LTV Calculation | &nbsp;&nbsp;9 | &nbsp;&nbsp;88 | &nbsp;&nbsp;10.23% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;15 | &nbsp;&nbsp;132 | &nbsp;&nbsp;11.36% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;43 | &nbsp;&nbsp;194 | &nbsp;&nbsp;22.16% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;4 | &nbsp;&nbsp;10 | &nbsp;&nbsp;40.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;6 | &nbsp;&nbsp;14 | &nbsp;&nbsp;42.86% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;194 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;27 | &nbsp;&nbsp;178 | &nbsp;&nbsp;15.17% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;27 | &nbsp;&nbsp;14.81% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;68 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;134 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;28 | &nbsp;&nbsp;7.14% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;52 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;96 | &nbsp;&nbsp;7.29% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;182 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Original As-Is LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;18 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;182 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;194 | &nbsp;&nbsp;1.03% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;9 | &nbsp;&nbsp;132 | &nbsp;&nbsp;6.82% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;171 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;68 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;2 | &nbsp;&nbsp;9 | &nbsp;&nbsp;22.22% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;63 | &nbsp;&nbsp;9.52% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;194 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;59 | &nbsp;&nbsp;3.39% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;194 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;4 | &nbsp;&nbsp;194 | &nbsp;&nbsp;2.06% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;4 | &nbsp;&nbsp;26 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Value Used For LTV Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;194 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;194 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**172** | &nbsp;&nbsp;**3776** | &nbsp;&nbsp;**4.56%** | &nbsp;&nbsp;**194** |

---

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![](tm2619057d1_ex99-1img001.jpg)

**SitusAMC TITLE REVIEW SUMMARY (1 Mortgage Loan)** 

As part of the due diligence services, the Client provided SitusAMC with identifying data on one (1) Loan. Based on the scope of review set forth herein, the critical findings are summarized as follows:

&nbsp;&nbsp;&nbsp;&nbsp;1. There are no potential issues concerning origination deed vesting.

&nbsp;&nbsp;&nbsp;&nbsp;1. No unresolved Super Position HOA Liens recorded after the subject
mortgage which were entitled to limited or full lien priority over the subject mortgage were identified.

&nbsp;&nbsp;&nbsp;&nbsp;2. No unresolved Municipal Liens which had limited or full lien
priority over the subject mortgage were located.

&nbsp;&nbsp;&nbsp;&nbsp;3. No unresolved Property Tax Liens which had limited or full lien
priority over the subject mortgage were located.

&nbsp;&nbsp;&nbsp;&nbsp;4. All Prior Liens identified in our review have been resolved.

&nbsp;&nbsp;&nbsp;&nbsp;5. All Prior Mortgages identified in our review have been resolved.

&nbsp;&nbsp;&nbsp;&nbsp;6. As to any Miscellaneous Items of substance, the items in this
category typically defy standard categorization or summarization and are individually detailed.

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;192 | &nbsp;&nbsp;98.97% | &nbsp;&nbsp;$103761802.00 | &nbsp;&nbsp;98.39% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.03% | &nbsp;&nbsp;$1700000.00 | &nbsp;&nbsp;1.61% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**194** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$105461802.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;194 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$105461802.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**194** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$105461802.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.52% | &nbsp;&nbsp;$150000.00 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;72 | &nbsp;&nbsp;37.11% | &nbsp;&nbsp;$38641399.00 | &nbsp;&nbsp;36.64% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;29 | &nbsp;&nbsp;14.95% | &nbsp;&nbsp;$12838277.00 | &nbsp;&nbsp;12.17% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;72 | &nbsp;&nbsp;37.11% | &nbsp;&nbsp;$41244226.00 | &nbsp;&nbsp;39.11% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;20 | &nbsp;&nbsp;10.31% | &nbsp;&nbsp;$12587900.00 | &nbsp;&nbsp;11.94% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**194** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$105461802.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;194 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$105461802.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**194** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$105461802.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;97 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$55600659.00 | &nbsp;&nbsp;52.72% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;12 | &nbsp;&nbsp;6.19% | &nbsp;&nbsp;$6764150.00 | &nbsp;&nbsp;6.41% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;10 | &nbsp;&nbsp;5.15% | &nbsp;&nbsp;$6898580.00 | &nbsp;&nbsp;6.54% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;52 | &nbsp;&nbsp;26.80% | &nbsp;&nbsp;$25054163.00 | &nbsp;&nbsp;23.76% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.52% | &nbsp;&nbsp;$150000.00 | &nbsp;&nbsp;0.14% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;11 | &nbsp;&nbsp;5.67% | &nbsp;&nbsp;$4830500.00 | &nbsp;&nbsp;4.58% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.06% | &nbsp;&nbsp;$2132500.00 | &nbsp;&nbsp;2.02% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;5 | &nbsp;&nbsp;2.58% | &nbsp;&nbsp;$2875500.00 | &nbsp;&nbsp;2.73% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.03% | &nbsp;&nbsp;$1155750.00 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**194** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$105461802.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;73 | &nbsp;&nbsp;37.63% | &nbsp;&nbsp;$41637378.00 | &nbsp;&nbsp;39.48% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;115 | &nbsp;&nbsp;59.28% | &nbsp;&nbsp;$59954244.00 | &nbsp;&nbsp;56.85% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.09% | &nbsp;&nbsp;$3870180.00 | &nbsp;&nbsp;3.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**194** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$105461802.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

## Exhibit 99.2

**EXHIBIT 99.2**

**AMC Data Compare REPORT**

![](tm2619057d1_ex99-2img001.jpg)

**Data Compare (Non-Ignored)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| xxxxxx | 841663 | xxxxxx |  |  | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 841663 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 841663 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 841663 | xxxxxx |  |  | Representative FICO | 752 | 770 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 841663 | xxxxxx |  |  | Interest Rate Life Cap | 0 |  | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 841663 | xxxxxx |  |  | Cash To Borrower | 248769.00 | 216012.42 | Verified | Unable to verify due to missing information |
| xxxxxx | 841663 | xxxxxx |  |  | Original CLTV | 28.57143 | 27.14286 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 841663 | xxxxxx |  |  | Original LTV | 28.57143 | 27.14286 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 841663 | xxxxxx |  |  | Product Description | Investor Solutions DSCR s | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 841663 | xxxxxx |  |  | Cash From Borrower | 0.00 |  | Verified | Field value reflects source document |
| xxxxxx | 841663 | xxxxxx |  |  | Original HLTV | 0 | 27.14286 | Verified | Field value reflects source document |
| xxxxxx | 843514 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843514 | xxxxxx |  |  | Interest Rate Life Floor | 2.75 | 3.875 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| xxxxxx | 843514 | xxxxxx |  |  | Cash From Borrower | 0.00 | 296581.18 | Verified | Field value reflects source document |
| xxxxxx | 843514 | xxxxxx |  |  | Investor: Qualifying Total Debt Ratio | 20.75 | 13.03801 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843514 | xxxxxx |  |  | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844854 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844854 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 844854 | xxxxxx |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844854 | xxxxxx |  |  | Cash From Borrower | 0.00 | 68365.55 | Verified | Field value reflects source document |
| xxxxxx | 844854 | xxxxxx |  |  | Original HLTV | 0 | 53.71765 | Verified | Field value reflects source document |
| xxxxxx | 848890 | xxxxxx |  |  | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848890 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 848890 | xxxxxx |  |  | Property Type | Single Family | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848890 | xxxxxx |  |  | Cash To Borrower | 446963.86 | 447163.86 | Verified | Field value reflects source document |
| xxxxxx | 849684 | xxxxxx |  |  | Cash To Borrower | 263650.63 | 273889.67 | Verified | Field value reflects source document |
| xxxxxx | 849684 | xxxxxx |  |  | Original HLTV | 0 | 25.12 | Verified | Field value reflects source document |
| xxxxxx | 850434 | xxxxxx |  |  | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 850434 | xxxxxx |  |  | Original CLTV | 58.29268 | 59.31707 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 850434 | xxxxxx |  |  | Original LTV | 58.29268 | 59.31707 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 850434 | xxxxxx |  |  | Original HLTV | 0 | 59.31707 | Verified | Field value reflects source document |
| xxxxxx | 850502 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 850502 | xxxxxx |  |  | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 850502 | xxxxxx |  |  | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 850502 | xxxxxx |  |  | Cash To Borrower | 50000.00 | 95543.61 | Verified | Field value reflects source document |
| xxxxxx | 850502 | xxxxxx |  |  | Original HLTV | 0 | 31.21795 | Verified | Field value reflects source document |
| xxxxxx | 851541 | xxxxxx |  |  | Cash To Borrower | 34321.00 | 33866.87 | Verified | Field value reflects source document |
| xxxxxx | 851541 | xxxxxx |  |  | Product Description | Investor Solutions DSCR c | Fixed Rate | Verified | Field value reflects source document |
| xxxxxx | 851541 | xxxxxx |  |  | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 851862 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 851862 | xxxxxx |  |  | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 851862 | xxxxxx |  |  | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 851862 | xxxxxx |  |  | Cash From Borrower | 0.00 | 25102.99 | Verified | Field value reflects source document |
| xxxxxx | 851862 | xxxxxx |  |  | Original HLTV | 0 | 54.20561 | Verified | Field value reflects source document |
| xxxxxx | 852402 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 852402 | xxxxxx |  |  | Cash To Borrower | 625000.00 | 621364.64 | Verified | Field value reflects source document |
| xxxxxx | 852402 | xxxxxx |  |  | Original HLTV | 0 | 44.52055 | Verified | Field value reflects source document |
| xxxxxx | 856499 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 856499 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 856499 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Refinance File |
| xxxxxx | 857607 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 857607 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 857607 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857618 | xxxxxx |  |  | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 857618 | xxxxxx |  |  | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 863618 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Refinance transaction |
| xxxxxx | 863680 | xxxxxx |  |  | Borrower Citizenship | xxxxxx |  | Verified | Field value reflects source document |
| xxxxxx | 864016 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 864028 | xxxxxx |  |  | Original As-Is LTV | 73.69 | 73.36957 | Verified | Field value reflects source document |
| xxxxxx | 865396 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865399 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 865400 | xxxxxx |  |  | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865400 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865400 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Refinance transaction |
| xxxxxx | 865413 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865415 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 865415 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Out of scope |
| xxxxxx | 865415 | xxxxxx |  |  | Original LTV | 80 | 72.09063 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 865419 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865424 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865426 | xxxxxx |  |  | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865426 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865432 | xxxxxx |  |  | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865432 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865432 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 865434 | xxxxxx |  |  | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865434 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865436 | xxxxxx |  |  | Occupancy | Second Home | Investment | Verified | Field Value reflects Occupancy per the Approval/AUS |
| xxxxxx | 865437 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 865437 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 865440 | xxxxxx |  |  | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865440 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865440 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 865442 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 865443 | xxxxxx |  |  | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865443 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865443 | xxxxxx |  |  | Representative FICO | 763 | 744 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 865443 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 865445 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865446 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 865449 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865449 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 865450 | xxxxxx |  |  | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865450 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865452 | xxxxxx |  |  | Original LTV | 76 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 865453 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 865454 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | This is Refinance loan. |
| xxxxxx | 865456 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865456 | xxxxxx |  |  | Original LTV | 62.02 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 865457 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 865458 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 865459 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865459 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 865459 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.84 | 0.79 | Verified | Underwriter has not considered the monthly HOA of $171.42 for DSCR calculation. |
| xxxxxx | 865460 | xxxxxx |  |  | Original LTV | 64.12 | 85 | Verified | Tape Value reflects the CLTV value |
| xxxxxx | 865462 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Alternate format, not a true discrepancy |
| xxxxxx | 865468 | xxxxxx |  |  | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865468 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865477 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865477 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Refinance transaction |
| xxxxxx | 865492 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Refinance |
| xxxxxx | 865493 | xxxxxx |  |  | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865493 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865499 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865499 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Refinance Loan Contract Sales Price Not Available |
| xxxxxx | 865502 | xxxxxx |  |  | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 865502 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 865507 | xxxxxx |  |  | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 865509 | xxxxxx |  |  | Original LTV | 78.83 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 865510 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865510 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 865510 | xxxxxx |  |  | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 865510 | xxxxxx |  |  | # of Units | 5 | 7 | Verified | Field value reflects source document |
| xxxxxx | 865510 | xxxxxx |  |  | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 865510 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.11 | Verified | Discrepancy is within 0.10. |
| xxxxxx | 865512 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865512 | xxxxxx |  |  | Note Date |  | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 865513 | xxxxxx |  |  | Original LTV | 77.56 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 865514 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Refinance transaction |
| xxxxxx | 865525 | xxxxxx |  |  | As-Is Value Used For LTV Calculation | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 865526 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865526 | xxxxxx |  |  | As-Is Value Used For LTV Calculation | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 865528 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865528 | xxxxxx |  |  | Contract Sales Price | xxxxxx | xxxxxx | Verified | Refinance transaction |
| xxxxxx | 865530 | xxxxxx |  |  | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 865530 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 865530 | xxxxxx |  |  | Original LTV | 78.947 | 73.17073 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 865533 | xxxxxx |  |  | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865533 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865536 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865537 | xxxxxx |  |  | As-Is Value Used For LTV Calculation | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 865543 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865544 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865549 | xxxxxx |  |  | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865549 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865551 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Unable to verify due to missing information |
| xxxxxx | 865553 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865554 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 865561 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865561 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Refinance transaction |
| xxxxxx | 865568 | xxxxxx |  |  | As-Is Value Used For LTV Calculation | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 865569 | xxxxxx |  |  | As-Is Value Used For LTV Calculation | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 865571 | xxxxxx |  |  | As-Is Value Used For LTV Calculation | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 865574 | xxxxxx |  |  | As-Is Value Used For LTV Calculation | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 865578 | xxxxxx |  |  | As-Is Value Used For LTV Calculation | xxxxxx | xxxxxx | Verified | Reflects the lower of the appraisal/purchase price. |
| xxxxxx | 865580 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 865584 | xxxxxx |  |  | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 866636 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 866636 | xxxxxx |  |  | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 866636 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 1.45 | 1.34 | Verified | Market rent is being used for DSCR |
| xxxxxx | 866809 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 866822 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| xxxxxx | 866829 | xxxxxx |  |  | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 866836 | xxxxxx |  |  | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 866857 | xxxxxx |  |  | Borrower First Name | xxxxxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 866857 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 866862 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 866953 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 866955 | xxxxxx |  |  | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 866957 | xxxxxx |  |  | As-Is Value Used For LTV Calculation | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 866957 | xxxxxx |  |  | Subject Debt Service Coverage Ratio | 0.84 | 0.98 | Verified | Qualifying Rent $8,700x / P&I of $6,891.47, HOA $129.75, HOI of $282.58, flood. |
| xxxxxx | 866958 | xxxxxx |  |  | Contract Sales Price | xxxxxx |  | Verified | Out of scope. |

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## Exhibit 99.3

**EXHIBIT 99.3**

**AMC Exception Grades**

![](tm2619057d1_imglogo.jpg)

**Exception Grades**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** | **Scope** |
| xxxxxx | 841663 | xxxxxx | xxxxxx | xxxxxx | 12/03/2025 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | Lease agreement is not provided in file. Refinance transaction and appraisal shows "Tenant" occupied. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-12-24): Waived with compensating factors per investor exception approval.<br>Buyer Comment (2025-12-23): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 10 months or more<br>Reviewer Comment (2025-12-22): Investor to review for exception approval, as seller previously indicated a lease was not available for the subject property when the appraisal report indicates it is tenant occupied.<br>Seller Comment (2025-12-22): Please see attached<br>Reviewer Comment (2025-12-11): If investor is accepting alternate documents provided by seller, a request to waive can be made; however, per guidelines for a refinance transaction there must be a lease in place and per the seller comments, there is no lease in place.<br>Seller Comment (2025-12-05): Please see attached, subject is listed for rent (xxxxxx listing) and bwr LOX per U/W The subject is vacant because the borrowers had not found a tenant yet to occupy the subject, but we do have the listing from xxxxxx showing the subject was listed for rent, confirming it as an investment property (attached). |  |  | 12/24/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841663 | xxxxxx | xxxxxx | xxxxxx | 12/03/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided |  | Only the lender supplement was provided. |  | Reviewer Comment (2025-12-11): Full preliminary title received.<br>Seller Comment (2025-12-05): Please see attached ALL | 12/11/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843514 | xxxxxx | xxxxxx | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $257.00 exceeds tolerance of $130.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  | Reviewer Comment (2025-07-23): Sufficient Cure Provided At Closing |  | 07/23/2025 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843514 | xxxxxx | xxxxxx | xxxxxx | 07/29/2025 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Reviewer Comment (2025-08-04): Client elects to waive. SOL 1 year expires xxxxxx<br>Buyer Comment (2025-07-31): TILA - subject to a 1 year SOL for affirmative claims under TILA expires xxxxxx . Investor agrees to accept as xxxxxx, please complete |  |  | 08/04/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843514 | xxxxxx | xxxxxx | xxxxxx | 07/29/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | Per the appraisal, property is a PUD. The DOT does not contain a PUD rider. Provide the corrected and executed DOT adding in the PUD rider, executed PUD rider, LOE to borrower, evidence of delivery to the borrower, and lender's LOI. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | Reviewer Comment (2025-08-20): Client elects to waive with verified compensation factors<br>Buyer Comment (2025-08-18): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - DTI <= 36% which is below requirement in guidelines / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines |  |  | 08/20/2025 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844854 | xxxxxx | xxxxxx | xxxxxx | 10/13/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property mortgage history is not reflecting in credit report. VOM and Payoff provided. Provide the following: Mortgage statement or Note for the review period to verify monthly payment amount, and Proof of borrower's payment for the most recent 6-months is required. |  | Reviewer Comment (2025-12-17): Pay history and lender email received confirming most recent 6 months' payments received on time.<br>Reviewer Comment (2025-12-16): Note received; however, still missing proof of borrower's payment for most recent 6 month period.<br>Buyer Comment (2025-12-15): Ready for Review-Document Uploaded. Emailed the TPR: I see the notes from the reviewer that the docs were not received for the last condition. Our side shows that it was uploaded on xxxxxx xxxxxx. I am not sure what happened. I have uploaded it directly to the condition in xxxxxx. If there is any way we can get this expedited, that would be very appreciated. The seller is not happy with us since it is taking so long, and I dont want them to have to wait another 5+ days if possible. - xxxxxx xxxxxx <br>Buyer Comment (2025-12-15): Emailed the TPR: I see the notes from the reviewer that the docs were not received for the last condition. Our side shows that it was uploaded on xxxxxx . I am not sure what happened. I have uploaded it directly to the condition in xxxxxx. If there is any way we can get this expedited, that would be very appreciated. The seller is not happy with us since it is taking so long, and I dont want them to have to wait another 5+ days if possible.<br>Buyer Comment (2025-12-15): See attached copy of the Note<br>Reviewer Comment (2025-12-15): The last comment indicates to see attached Note and proof of payments, which was on xxxxxx . No additional documentation has been received since xxxxxx . The file is still missing the Note and evidence of 6 months payments by the borrower. Exception remains.<br>Buyer Comment (2025-12-04): See attached Note and proof of payments.<br>Reviewer Comment (2025-11-11): Received VOM, Property History Report and Payoff Statement. However, the document requested is for 1. Mortgage statement or Note. 2. Borrower's payment for the most recent 6-months is required. Exception remains.<br>Buyer Comment (2025-11-10): See attached payment history | 12/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 844854 | xxxxxx | xxxxxx | xxxxxx | 10/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  |  |  | Reviewer Comment (2025-10-30): Received Tax Certificate. Exception cleared.<br>Buyer Comment (2025-10-28): See attached tax cert | 10/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 844854 | xxxxxx | xxxxxx | xxxxxx | 10/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | Approval reflects $7,500 was utilized. |  | Reviewer Comment (2025-10-30): Received 1007 Rent Comparison Schedule. Exception cleared.<br>Buyer Comment (2025-10-28): See attached 1007 | 10/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 844854 | xxxxxx | xxxxxx | xxxxxx | 10/13/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2025-11-03): Received Secondary valuation. Exception cleared.<br>Buyer Comment (2025-10-30): See attached CDA with no variance | 11/03/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 844854 | xxxxxx | xxxxxx | xxxxxx | 10/13/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflects Owner Occupied. |  | Reviewer Comment (2025-10-30): An updated appraisal was provided.<br>Buyer Comment (2025-10-28): See attached updated appraisal | 10/30/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 849684 | xxxxxx | xxxxxx | xxxxxx | 11/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception due to Unit xxxxxx is xxxxxx square feet and minimum required is 400 square feet. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-05): Client elect to waive with verified compensation factors |  |  | 11/05/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 849684 | xxxxxx | xxxxxx | xxxxxx | 11/10/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-11-12): Received Title Supplement Report. Exception cleared.<br>Buyer Comment (2025-11-11): Please see attached it is where Policy Coverage amount is shown - xxxxxx | 11/12/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850434 | xxxxxx | xxxxxx | xxxxxx | 11/12/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Status not provided |  | Provide the unexpired perm resident card. |  | Reviewer Comment (2025-11-17): Perm resident card provided<br>Buyer Comment (2025-11-14): updated perm resident alien card | 11/17/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850434 | xxxxxx | xxxxxx | xxxxxx | 11/12/2025 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding ADUs. |  | Investor Exception provided for xxxxxx units with 2 ADU's. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record | Reviewer Comment (2025-11-13): Client elects to waive with verified compensation factors |  |  | 11/13/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850434 | xxxxxx | xxxxxx | xxxxxx | 11/12/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal notes tenant occupied, however the 1025 rent schedule, appraiser notes all units are vacant. Provide the updated 1025 to Vacant. If units are not vacant, the actual rents must be noted to ensure within 120% of estimated rents per guidelines. Further, page 1 reflects property sold and closed on xxxxxx vs xxxxxx . |  | Reviewer Comment (2025-12-16): Updated appraisal reflecting vacant and corrected previous sale data received in trailing documents.<br>Buyer Comment (2025-12-05): Please updated appraisal with vacant occupancy, the dates or correct. this was a xxxxxx, that is why the dates reflect 2024 to 2025.<br>Reviewer Comment (2025-11-24): Provide the updated 1025 to Vacant. Further, page 1 reflects property sold and closed on xxxxxx vs xxxxxx . Exception remains.<br>Buyer Comment (2025-11-20): The 1004d in file indicates that the property is vacant. Original report has the rent schedule as blank which indicates vacant as well. | 12/16/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850434 | xxxxxx | xxxxxx | xxxxxx | 11/12/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The final closing statement is not signed / stamped certified. |  | Reviewer Comment (2025-11-17): Final stamped closing statement provided<br>Buyer Comment (2025-11-14): final signed Closing statement | 11/17/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850434 | xxxxxx | xxxxxx | xxxxxx | 11/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy / Supplements: Reflects city of xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower's Experience/Track Record<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reviewer Comment (2025-12-01): Waived with compensating factors per investor direction.<br>Buyer Comment (2025-11-20): The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 3 - Transaction is a rate and term refinance |  |  | 12/01/2025 | 2 C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850434 | xxxxxx | xxxxxx | xxxxxx | 11/12/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Shortfall $363.80 (RCE coverage is xxxxxx for main dwelling and dwelling coverage is xxxxxx), |  | Reviewer Comment (2025-11-18): Agent email provided verifying 50% extended replacement cost coverage. Coverage requirements met.<br>Buyer Comment (2025-11-18): Please see confirmation fron Insurance Company that Dwelling Replacement cost is 150%, which should take care of the shortfall for HOI | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850502 | xxxxxx | xxxxxx | xxxxxx | 11/10/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-11-25): Email and explanation from settlement agent/seller received and condition cleared.<br>Reviewer Comment (2025-11-25): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file.<br>Reviewer Comment (2025-11-19): The email is from lender to lender vs. title to lender with updates.<br>Buyer Comment (2025-11-19): Documents uploaded in xxxxxx<br>Buyer Comment (2025-11-19): Please see email from title<br>Reviewer Comment (2025-11-18): No new documents received. Please try uploading again.<br>Buyer Comment (2025-11-17): email from Title confirming<br>Reviewer Comment (2025-11-13): The incorrect and correct title polices are dated the same. Provide evidence of which was provided last (i.e. email from title with updates)<br>Buyer Comment (2025-11-12): Attached is the updated Title commitment xxxxxx | 11/25/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 850502 | xxxxxx | xxxxxx | xxxxxx | 11/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. 2 liens on title, however only 1 paid though closing. |  | Reviewer Comment (2025-11-25): Received email correspondence from settlement agent and explanation as to lender/settlement agent name. Condition cleared.<br>Reviewer Comment (2025-11-19): The email is from lender to lender vs. title to lender with updates.<br>Buyer Comment (2025-11-19): Documents uploaded in xxxxxx<br>Buyer Comment (2025-11-19): Please see email from title<br>Reviewer Comment (2025-11-18): No new documents received. Please try uploading again.<br>Buyer Comment (2025-11-17): email from Title confirming<br>Reviewer Comment (2025-11-13): The incorrect and correct title polices are dated the same. Provide evidence of which was provided last (i.e. email from title with updates)<br>Buyer Comment (2025-11-13): Updated Title Commitment attached | 11/25/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851862 | xxxxxx | xxxxxx | xxxxxx | 11/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file for the following: Unit xxxxxx (1203) of subject property is xxxxxx sq ft which is less than guideline required minimum 400 sq ft. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2025-11-11): Client elects to waive with verified compensation factors |  |  | 11/11/2025 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851862 | xxxxxx | xxxxxx | xxxxxx | 11/13/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Address on Desk Review is xxxxxx however on note subject address is xxxxxx. |  | Reviewer Comment (2025-12-11): Corrected CDA received<br>Buyer Comment (2025-12-01): Please see the corrected CDA. xxxxxx!<br>Reviewer Comment (2025-11-19): The comments are not acceptable. All address must match and the address must be updated on the CDA<br>Buyer Comment (2025-11-19): Seller Response: Please review the supplemental addendum on page 19 - the appraiser includes all the units "Per public record, subject' address is xxxxxx. Per field inspection, each unit has it own address. Unit # xxxxxx address is xxxxxx, Unit # xxxxxx address is xxxxxx, Unit # xxxxxx address is xxxxxx and Unit # xxxxxx address is xxxxxx. | 12/11/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851862 | xxxxxx | xxxxxx | xxxxxx | 11/13/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Address on Appraisal Report is xxxxxx however on note subject address is xxxxxx |  | Reviewer Comment (2025-12-11): Corrected appraisal received<br>Buyer Comment (2025-12-01): Please see attached updated appraisal report. xxxxxx!<br>Reviewer Comment (2025-11-19): The comments are not acceptable. All address must match and the address must be updated on the Appraisal<br>Buyer Comment (2025-11-19): Seller Response: Please review the supplemental addendum on page 19 - the appraiser includes all the units "Per public record, subject' address is xxxxxx. Per field inspection, each unit has it own address. Unit # xxxxxx address is xxxxxx, Unit # xxxxxx address is xxxxxx, Unit # xxxxxx address is xxxxxx and Unit # xxxxxx address is xxxxxx. | 12/11/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851862 | xxxxxx | xxxxxx | xxxxxx | 11/13/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Address on Flood certificate is xxxxxx however on note subject address is xxxxxx |  | Reviewer Comment (2025-11-18): Updated flood cert provided<br>Buyer Comment (2025-11-18): Please see attached updated flood cert with all units. xxxxxx! | 11/18/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851862 | xxxxxx | xxxxxx | xxxxxx | 11/13/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal in file has a completion date post-close. Provide the pre-close appraisal. |  | Reviewer Comment (2025-11-18): Preclose appraisal provided<br>Buyer Comment (2025-11-18): Please see attached original report. xxxxxx! | 11/18/2025 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 851862 | xxxxxx | xxxxxx | xxxxxx | 11/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Replacement cost estimator reflects xxxxxx vs xxxxxx and xxxxxx. |  | Reviewer Comment (2025-11-18): Updated RCE provided<br>Buyer Comment (2025-11-18): Please see attached with both units | 11/18/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852402 | xxxxxx | xxxxxx | xxxxxx | 11/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report not provided. Must contain all participants. |  | Reviewer Comment (2025-11-26): Fraud report received.<br>Buyer Comment (2025-11-25): Uploaded directly to xxxxxx.<br>Buyer Comment (2025-11-25): Uploading directly to xxxxxx.<br>Reviewer Comment (2025-11-25): No new documents received. Please try uploading again. Exception Remains.<br>Buyer Comment (2025-11-21): Please see attached full fraud report.<br>Reviewer Comment (2025-11-18): Received Mortgage Participant List Report to verify fraud and OFAC searches. However, a Full Fraud Report is missing. Exception remains.<br>Buyer Comment (2025-11-18): Please see attached. | 11/26/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852402 | xxxxxx | xxxxxx | xxxxxx | 11/17/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2025-11-19): Supplement provided<br>Buyer Comment (2025-11-19): Please see attached. | 11/19/2025 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852402 | xxxxxx | xxxxxx | xxxxxx | 11/17/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Unit number is missing |  | Reviewer Comment (2025-11-19): Update CDA provided<br>Buyer Comment (2025-11-19): Please see attached. | 11/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852402 | xxxxxx | xxxxxx | xxxxxx | 11/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Unit number is missing |  | Reviewer Comment (2025-11-19): Supplement provided<br>Buyer Comment (2025-11-19): Please see attached. | 11/19/2025 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 852402 | xxxxxx | xxxxxx | xxxxxx | 11/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Per title, prior to transfer at closing, title was vested in a Trust on a refinance. Provide the Trust agreement. |  | Reviewer Comment (2025-11-19): Trust provided<br>Buyer Comment (2025-11-19): Please see attached. | 11/19/2025 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 857618 | xxxxxx | xxxxxx | xxxxxx | 01/05/2026 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2026-01-06): Provided and cleared<br>Buyer Comment (2026-01-06): attached is the title supplement reflecting the loan amount. | 01/06/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 860983 | xxxxxx | xxxxxx | xxxxxx | 04/03/2026 | 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 0.81 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Lender used short-term rental income, which is not allowed per guidelines, resulting in a lower DSCR per comparable rent schedule income. |  | Reviewer Comment (2026-04-10): Per updated guideline short term rental can be used. Rent used $5391 which is less than 12 months average of $6605.61 (rent analysis)<br>Buyer Comment (2026-04-07): Please refer to xxxxxx guidelines --- Borrower gross income: $80873.57 $5391 rent xxxxxx Income is $80,073 $5338 rent to be used | 04/10/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 864039 | xxxxxx | xxxxxx | xxxxxx | 05/06/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Creditor Application Date was not provided |  | Initial credit application date is missing. |  | Reviewer Comment (2026-05-14): Application dated updated, 30 days prior to Note<br>Buyer Comment (2026-05-07): Please refer to the appraisal date as the application date, per my conversation with xxxxxx. | 05/14/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 864401 | xxxxxx | xxxxxx | xxxxxx | 04/29/2026 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | Missing title with 24-month chain of title. |  | Reviewer Comment (2026-05-05): Title commitment provided. Exception cleared.<br>Buyer Comment (2026-04-30): Please see attached. | 05/05/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 864401 | xxxxxx | xxxxxx | xxxxxx | 04/29/2026 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Missing title with 24-month chain of title. |  | Reviewer Comment (2026-05-05): Title commitment provided. Exception cleared.<br>Buyer Comment (2026-04-30): Please see attached. | 05/05/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 864401 | xxxxxx | xxxxxx | xxxxxx | 04/29/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Creditor Application Date was not provided |  | Initial credit application date is missing. |  | Reviewer Comment (2026-05-14): Credit application date updated (30 days from Note date)<br>Buyer Comment (2026-05-07): Please clear. We do not provide this.<br>Reviewer Comment (2026-05-05): Please provide credit application to verify creditor application date. Exception remains.<br>Buyer Comment (2026-04-30): Please see attached. | 05/14/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 864435 | xxxxxx | xxxxxx | xxxxxx | 05/06/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 8.24 is less than Guideline PITIA months reserves of 12.00. |  |  | Reviewer Comment (2026-05-13): Updated the balance per verification of deposit. Exception Cleared.<br>Buyer Comment (2026-05-07): Please see attached. Calculated is 55.6 months of reserves at $2,997.83 PITIA. | 05/13/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 864435 | xxxxxx | xxxxxx | xxxxxx | 05/06/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Creditor Application Date was not provided |  | Initial credit application date is missing. |  | Reviewer Comment (2026-05-14): Application dated updated, 30 days prior to Note<br>Buyer Comment (2026-05-07): Please refer to the appraisal date as the application date, per my conversation with xxxxxx. | 05/14/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 864721 | xxxxxx | xxxxxx | xxxxxx | 05/12/2026 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2026-05-18): CDA provided, exception cleared.<br>Buyer Comment (2026-05-13): Please see attached. | 05/18/2026 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 864727 | xxxxxx | xxxxxx | xxxxxx | 04/30/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The floorplan sketch of the subject property shows only xxxxxx, but the report reflects xxxxxx. |  | Reviewer Comment (2026-05-13): Received updated appraisal which shows xxxxxx. Exception cleared.<br>Buyer Comment (2026-05-07): Please see attached for updated appraisal. | 05/13/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865393 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Initial - Lender's is incomplete |  | Initial 1003 is missing borrower's and loan officer's signature. |  | Reviewer Comment (2026-04-15): Received initial 1003.<br>Buyer Comment (2026-04-13): 1003 | 04/15/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | B A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865393 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-31): xxxxxx lender testing ATR |  |  | 03/31/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | B A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865394 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-31): xxxxxx lender testing ATR |  |  | 03/31/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865396 | xxxxxx | xxxxxx | xxxxxx | 03/18/2026 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial 1003 not provided. |  | Reviewer Comment (2026-03-23): Received Initial 1003, Exception cleared.<br>Buyer Comment (2026-03-19): Please see attached Initial 1003 | 03/23/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865396 | xxxxxx | xxxxxx | xxxxxx | 03/18/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Initial 1003 not provided. |  | Reviewer Comment (2026-03-18): xxxxxx lender testing ATR |  |  | 03/18/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865396 | xxxxxx | xxxxxx | xxxxxx | 03/18/2026 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of xxxxxx which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx . Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Initial 1003 not provided. |  | Reviewer Comment (2026-03-23): Received Initial 1003, Exception cleared. | 03/23/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865396 | xxxxxx | xxxxxx | xxxxxx | 03/18/2026 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Initial 1003 not provided. |  | Reviewer Comment (2026-03-23): Received Initial 1003, Exception cleared. | 03/23/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865396 | xxxxxx | xxxxxx | xxxxxx | 03/18/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW discretion for borrower living rent free with someone other than a spouse. |  | Reviewer Comment (2026-04-01): Updated 1008 with underwriter discretion received, exception cleared.<br>Buyer Comment (2026-03-30): Please see page #2 of the 1008 attached. xxxxxx. | 04/01/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Collections / Balance: 2092.00, Credit Report: Original // Public Record Type: Collections / Balance: 985.00, Credit Report: Original // Public Record Type: Collections / Balance: 5178.00, Credit Report: Original // Public Record Type: Collections / Balance: 1097.00 | The borrower has an open collections accounts with a balance of $2092,$985 and $5178. Kindly provide the necessary Proof of Payment or Dispute Letters. | Borrower has been employed in same industry for more than 5 years, Borrowr has verified disposible income of at least $2,500, Borrower has worked in the same position for more than 3 years; Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2026-05-04): Waived per lender direction.<br>Buyer Comment (2026-04-30): sent attached exception |  |  | 05/04/2026 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note date: xxxxxx; Lien Position: 1 |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2026-05-07): Waived per lender direction.<br>Buyer Comment (2026-05-06): xxxxxx - Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2026-05-04): An exception is not needed on this condition. Lender can accept as an xxxxxx with confirmation.<br>Buyer Comment (2026-04-30): exception |  |  | 05/07/2026 | 2 A B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment | The file is missing a copy of the final title policy. |  | Reviewer Comment (2026-05-07): Final title received in trailing docs. | 05/07/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx // Document: Other / Document date: / Tax Year: | Letter of explanation is addressing non sufficient funds (NSF's), however was not dated. Letter to be dated as we need to make sure that letter coincides with bank statements within the file and the insufficient funds. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2026-04-30): Waived with compensating factors per lender exception approval. |  |  | 04/30/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-21): xxxxxx lender testing ATR. |  |  | 04/21/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay – Bank Statement Guidelines Require 12 or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require 12 or more consecutive months bank statements. (xxxxxx/Bank Statements) |  |  | Reviewer Comment (2026-05-07): Cleared | 05/07/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Due to missing appraisal transfer letter. |  | Reviewer Comment (2026-05-19): Appraisal transfer letter received in trailing docs.<br>Buyer Comment (2026-05-15): appraisal transfer letter | 05/19/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Judgements are required to be paid off. |  | Reviewer Comment (2026-05-07): Final title received in trailing docs reflecting no judgments.<br>Buyer Comment (2026-05-06): affidavit<br>Buyer Comment (2026-05-06): email from title<br>Buyer Comment (2026-05-06): FTP<br>Reviewer Comment (2026-04-30): Nothing listed on the lender exceptions for the judgments on title.<br>Buyer Comment (2026-04-30): sent attached exception | 05/07/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Explanation letter is not dated. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2026-04-30): Waived with compensating factors per lender exception approval. |  |  | 04/30/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to explanation letter not dated. Letter of explanation is addressing non sufficient funds (NSF's), however was not dated. Letter to be dated as we need to make sure that letter coincides with bank statements within the file and the insufficient funds. |  | Reviewer Comment (2026-04-30): ATR tested resulting in Non QM. Flipped LD to exempt from ATR to correct grading.<br>Buyer Comment (2026-04-27): See attached | 04/30/2026 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | C | B | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | 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. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to explanation letter not dated. Letter of explanation is addressing non sufficient funds (NSF's), however was not dated. Letter to be dated as we need to make sure that letter coincides with bank statements within the file and the insufficient funds. |  | Reviewer Comment (2026-04-30): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (2026-04-30): xxxxxx with lender exception and sufficient pre-consummation compensating factors.<br>Buyer Comment (2026-04-28): see attached |  |  | 04/30/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to explanation letter not dated. Letter of explanation is addressing non sufficient funds (NSF's), however was not dated. Letter to be dated as we need to make sure that letter coincides with bank statements within the file and the insufficient funds. |  | Reviewer Comment (2026-04-30): xxxxxx with lender exception and sufficient pre-consummation compensating factors.<br>Buyer Comment (2026-04-27): See attached exception documentation |  |  | 04/30/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865404 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  | Reviewer Comment (2026-04-14): E-sign Consent Agreement document received and verified. Exception cleared.<br>Buyer Comment (2026-04-10): Please find attached | 04/14/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865404 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Hazard Insurance Policy Effective Date xxxxxx , and Note date is xxxxxx , Policy is after the NOTE date |  | Reviewer Comment (2026-04-02): Received prior policy.<br>Buyer Comment (2026-03-31): Prior Hazard Insurance Policy from xxxxxx xxxxxx xxxxxx uploaded. | 04/02/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865404 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-24): xxxxxx lender testing ATR |  |  | 03/24/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865404 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Account Statements are missing of Business "xxxxxx DBA xxxxxx xxxxxx" Bank - xxxxxx, xxxxxx., Account # x xxxxxxx for the Months of - October 2025 $41,547.77, November 2025 $24,456.00 & December 2025 $26,148.90 |  | Reviewer Comment (2026-04-02): Received bank statements.<br>Buyer Comment (2026-03-31): Oct, Nov, and Dec bank statements uploaded. | 04/02/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865404 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements - Business | Exception already raise for missing bank statements Oct, Nov and Dec 2025 |  | Reviewer Comment (2026-04-02): Received bank statements.<br>Buyer Comment (2026-03-31): Bank Statements have been uploaded. | 04/02/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865404 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Account Statements are missing of Business "xxxxxx DBA xxxxxx xxxxxx" Bank - xxxxxx, xxxxxx, Account # x xxxxxxx for the Months of - October 2025 $41,547.77, November 2025 $24,456.00 & December 2025 $26,148.90 |  | Reviewer Comment (2026-04-02): Received bank statements.<br>Buyer Comment (2026-03-31): Oct, Nov, Dec bank statements have been uploaded. | 04/02/2026 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865404 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | 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. | Account Statements are missing of Business "xxxxxx DBA xxxxxx xxxxxx" Bank - xxxxxx, xxxxxx, Account # x xxxxxxx for the Months of - October 2025 $41,547.77, November 2025 $24,456.00 & December 2025 $26,148.90 |  | Reviewer Comment (2026-04-02): Received bank statements.<br>Buyer Comment (2026-03-31): Oct, Nov, Dec bank statements have been uploaded. | 04/02/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865409 | xxxxxx | xxxxxx | xxxxxx | 03/16/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-19): xxxxxx lender testing ATR<br>Buyer Comment (2026-03-17): Please waive. |  |  | 03/19/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865409 | xxxxxx | xxxxxx | xxxxxx | 03/16/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Initial Closing Disclosure was not signed and dated. |  | Reviewer Comment (2026-04-03): SitusAMC received confirmation of receipt date for xxxxxx CD.<br>Buyer Comment (2026-04-02): Please see attached 2.26 audit<br>Buyer Comment (2026-04-02): Situs, PLEASE explain exactly what you are in need of to clear this condition. PLEASE disregard the comment below as this loan is NOT a business purpose loan but a consumer activator loan. My xxxxxx. Please advise or may we WAIVE. xxxxxx so much.<br>Reviewer Comment (2026-03-30): The 1003 does not state loan is for a business purpose, and lender correspondence in file indicates the borrower's business is closed and borrower is no longer self-employed. Please provide more documentation of business purpose for review.<br>Buyer Comment (2026-03-27): This is a BP file. There should no LEs nor CDs. Only a final settlement statement was used at closing | 04/03/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865409 | xxxxxx | xxxxxx | xxxxxx | 03/16/2026 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely) | xxxxxx Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not received by borrower within five (5) business days of application. | Acknowledgement was not provided timely. |  | Buyer Comment (2026-03-30): We accept a xxxxxx grade. Please waive to grade B. |  |  | 03/30/2026 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865410 | xxxxxx | xxxxxx | xxxxxx | 04/24/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | File is missing signed and dated loan application. |  | Reviewer Comment (2026-05-11): Commercial Application received,& associated .Exception Cleared.<br>Buyer Comment (2026-05-07): commercial app<br>Reviewer Comment (2026-05-01): The credit application received is incomplete, as Page 3, points number 5, have not been completed. Exception Remains.<br>Buyer Comment (2026-04-29): final Commercial app | 05/11/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865410 | xxxxxx | xxxxxx | xxxxxx | 04/24/2026 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $233,207.89 is less than Cash From Borrower $265,555.48. | File is short verified funds to closing. |  | Reviewer Comment (2026-05-04): Provided sufficient funds in the file and data verified. Closing requirement met. Exception Cleared.<br>Buyer Comment (2026-04-30): #xxxxxx<br>Buyer Comment (2026-04-30): xxxxxx #xxxxxx<br>Buyer Comment (2026-04-30): $15,000 gift<br>Buyer Comment (2026-04-30): xxxxxx #xxxxxx | 05/04/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865410 | xxxxxx | xxxxxx | xxxxxx | 04/24/2026 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | File is missing verification of March 2026 primary housing payment. |  | Reviewer Comment (2026-05-01): The received credit supplement confirms the March 2026 primary housing payment. Details have been verified and updated. Exception Cleared.<br>Buyer Comment (2026-04-29): credit supplement | 05/01/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865414 | xxxxxx | xxxxxx | xxxxxx | 03/27/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-25): xxxxxx lender testing ATR |  |  | 03/25/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | B A | A | A B | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865414 | xxxxxx | xxxxxx | xxxxxx | 03/27/2026 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | File is missing appraisal transfer letter. |  | Reviewer Comment (2026-04-22): Received appraisal transfer letter and requirements met.<br>Buyer Comment (2026-04-20): Please find attached | 04/22/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | B A | A | A B | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865415 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-30): xxxxxx lender testing ATR. |  |  | 03/30/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865415 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | 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 $205.00 exceeds tolerance of $86.00 plus 10% or $94.60. $110.40 over legal limit. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded by $94.60 Cure was not provided at closing. |  | Reviewer Comment (2026-04-09): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-04-08): check and cure docs<br>Buyer Comment (2026-04-07): please see cure docs |  | 04/09/2026 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865415 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | 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 Mortgage Broker Fee. Fee Amount of $22,260.00 exceeds tolerance of $17,888.00. $4,372.00 over legal limit. Insufficient or no cure was provided to the borrower. (73109) | Mortgage Broker Fee increased on xxxxxx without a valid change in circumstance. Cure was not provided at closing. |  | Reviewer Comment (2026-04-01): SitusAMC received COC dated xxxxxx .<br>Buyer Comment (2026-03-31): please see broker fee increased in xxxxxx CD and then decreased in final CD | 04/01/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865415 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxxxx is over disclosed by $xxxxxx compared to the calculated Amount Financed of $xxxxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Doc preparation fee of $100 was not disclosed on the initial LE. |  | Reviewer Comment (2026-04-20): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. |  | 04/20/2026 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865415 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $2,194,531.59 is under disclosed by $105.00 compared to the calculated Finance Charge of $2,194,636.59 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Finance charge disclosed is $2,194,531.59. Calculated finance charge is $2,194,636.59. Variance of $105.00. |  | Reviewer Comment (2026-04-20): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2026-04-17): please see RTC<br>Buyer Comment (2026-04-17): please see cure docs for $105<br>Reviewer Comment (2026-04-08): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br>Buyer Comment (2026-04-07): please see cure docs |  | 04/20/2026 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865415 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,750.00 exceeds tolerance of $-1,820.63. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,750.00 exceeds tolerance of $-1,820.63. Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2026-04-03): SitusAMC received valid COC dated xxxxxx <br>Buyer Comment (2026-04-02): pls see | 04/03/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865416 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-16): xxxxxx lender testing ATR |  |  | 04/16/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865416 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.77 is less than Guideline PITIA months reserves of 3.00. |  |  | Reviewer Comment (2026-04-30): Assets were updated to include $1300 POC by the borrower, which then resulted in the required 3 months' reserve requirement being met.<br>Buyer Comment (2026-04-28): PFA exception<br>Reviewer Comment (2026-04-27): The final CD reflects funds required for closing are $3029.40 plus we have to verify funds from POC's in the amount of $1300.00. The total assets required to be verified is $4329.40 plus 3 months of reserves. $1300.00 was added from the invoice for the appraisals as an asset but this cannot be used toward reserves. Additional assets required.<br>Buyer Comment (2026-04-23): Please review Final CD D0325 Cash to close $3029.40, it will suffice the reserve requirements of 3 months | 04/30/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865416 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  | Reviewer Comment (2026-04-30): Assets were updated to include $1300 POC by the borrower, which then resulted in the required 3 months' reserve requirement being met.<br>Buyer Comment (2026-04-28): PFA exception<br>Reviewer Comment (2026-04-27): The final CD reflects funds required for closing are $3029.40 plus we have to verify funds from POC's in the amount of $1300.00. The total assets required to be verified is $4329.40 plus 3 months of reserves. $1300.00 was added from the invoice for the appraisals as an asset but this cannot be used toward reserves. Additional assets required.<br>Buyer Comment (2026-04-23): Please review Final CD D0325 Cash to close $3029.40, it will suffice the reserve requirements of 3 months | 04/30/2026 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865416 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | 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. | Reserves requirements not met |  | Reviewer Comment (2026-04-30): Assets were updated to include $1300 POC by the borrower, which then resulted in the required 3 months' reserve requirement being met.<br>Buyer Comment (2026-04-28): PFA exception<br>Reviewer Comment (2026-04-27): The final CD reflects funds required for closing are $3029.40 plus we have to verify funds from POC's in the amount of $1300.00. The total assets required to be verified is $4329.40 plus 3 months of reserves. $1300.00 was added from the invoice for the appraisals as an asset but this cannot be used toward reserves. Additional assets required.<br>Buyer Comment (2026-04-23): Please review Final CD D0325 Cash to close $3029.40, it will suffice the reserve requirements of 3 months | 04/30/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865417 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-20): xxxxxx lender testing ATR. |  |  | 04/20/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865417 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Initial - Lender's is incomplete |  | File is missing co-borrower initial 1003. |  | Reviewer Comment (2026-04-27): Received co-borrowers initial 1003, co-borrower was added later on xxxxxx on loan.<br>Buyer Comment (2026-04-24): Please see attached 1003 | 04/27/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865417 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2026-04-29): Received e-sign consent. Exception cleared.<br>Buyer Comment (2026-04-27): Please see attached consent<br>Reviewer Comment (2026-04-27): E-Sign Consent Agreement received for borrower #1 only, please also provide the same co-borrower.<br>Buyer Comment (2026-04-23): Please see attached Consent | 04/29/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865418 | xxxxxx | xxxxxx | xxxxxx | 04/10/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-08): xxxxxx lender testing ATR |  |  | 04/08/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865419 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $262,235.20 is less than Cash From Borrower $262,297.63. | Documented qualifying Assets for Closing of $246,864.26 is less than Cash From Borrower $262,297.63. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2026-05-18): Waived with compensating factors per lender approved exception received in trailing documents.<br>Reviewer Comment (2026-05-18): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Documented qualifying Assets for Closing of $246,864.26 is less than Cash From Borrower $262,297.63.<br>Buyer Comment (2026-05-14): exception<br>Reviewer Comment (2026-05-11): Please provide additional funds to meet requirement, Exception remains.<br>Buyer Comment (2026-05-07): sole member<br>Buyer Comment (2026-05-07): Borrower had suffcient funds prior to note date xxxxxx $33,664.63<br>Reviewer Comment (2026-04-13): The file is short $15,433.37 in required funds to close. Additional assets required for review of this condition.<br>Buyer Comment (2026-04-09): appraisal invoice paid by CC |  |  | 05/18/2026 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865419 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the OFAC report for the business entity. |  | Reviewer Comment (2026-04-13): Received fraud report with business entity OFAC.<br>Buyer Comment (2026-04-09): fraud | 04/13/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865419 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. |  | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2026-05-18): Waived with compensating factors per lender approved exception received in trailing documents.<br>Buyer Comment (2026-05-14): see attached exception |  |  | 05/18/2026 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865419 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Waterfall due to insufficient funds verified for closing and/or reserves. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2026-05-18): Waived with compensating factors per lender approved exception received in trailing documents.<br>Buyer Comment (2026-05-14): see attached exception |  |  | 05/18/2026 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-30): xxxxxx lender testing ATR. |  |  | 03/30/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | 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. | CPA Certification , Third Party Verification of the Business within 20 business days of the Note date and VVOE within 20 days of the Note date are missing. |  | Reviewer Comment (2026-04-08): CPA letter dated pre-consummation and within 20 business days of Note date received in trailing documents, along with evidence of tax professional being licensed.<br>Buyer Comment (2026-04-06): updated exception uploaded<br>Reviewer Comment (2026-04-02): Received lender exception stating they relied on CPA letter dated xxxxxx ; however, the only CPA letter provided is dated xxxxxx , which is after consummation. If CPA letter dated xxxxxx is available, please upload to file for review.<br>Buyer Comment (2026-03-31): PFA | 04/08/2026 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | C | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (xxxxxx, xxxxxx xxxxxx/Bank Statements) | CPA Certification , Third Party Verification of the Business within 20 business days of the Note date and VVOE within 20 days of the Note date are missing. |  | Reviewer Comment (2026-04-08): CPA letter dated pre-consummation and within 20 business days of Note date received in trailing documents, along with evidence of tax professional being licensed.<br>Buyer Comment (2026-04-06): updated exception uploaded<br>Reviewer Comment (2026-04-02): Received lender exception stating they relied on CPA letter dated xxxxxx ; however, the only CPA letter provided is dated xxxxxx , which is after consummation. If CPA letter dated xxxxxx is available, please upload to file for review.<br>Buyer Comment (2026-03-31): PFA | 04/08/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | CPA Certification , Third Party Verification of the Business within 20 business days of the Note date and VVOE within 20 days of the Note date are missing. |  | Reviewer Comment (2026-04-08): CPA letter dated pre-consummation and within 20 business days of Note date received in trailing documents, along with evidence of tax professional being licensed. | 04/08/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent was not provided. |  | Reviewer Comment (2026-04-02): Document received.<br>Buyer Comment (2026-03-31): PFA | 04/02/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | CPA Certification , Third Party Verification of the Business within 20 business days of the Note date and VVOE within 20 days of the Note date are missing. |  | Reviewer Comment (2026-04-08): CPA letter dated pre-consummation and within 20 business days of Note date received in trailing documents, along with evidence of tax professional being licensed.<br>Buyer Comment (2026-04-06): PFA updated exception<br>Reviewer Comment (2026-04-02): Received lender exception stating they relied on CPA letter dated xxxxxx ; however, the only CPA letter provided is dated xxxxxx , which is after consummation. If CPA letter dated xxxxxx is available, please upload to file for review.<br>Buyer Comment (2026-04-01): Please review attached documents<br>Buyer Comment (2026-04-01): PFA as requested | 04/08/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | 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. | CPA Certification , Third Party Verification of the Business within 20 business days of the Note date and VVOE within 20 days of the Note date are missing. |  | Reviewer Comment (2026-04-08): CPA letter dated pre-consummation and within 20 business days of Note date received in trailing documents, along with evidence of tax professional being licensed.<br>Buyer Comment (2026-04-06): updated exception uploaded<br>Reviewer Comment (2026-04-02): Received lender exception stating they relied on CPA letter dated xxxxxx ; however, the only CPA letter provided is dated xxxxxx , which is after consummation. If CPA letter dated xxxxxx is available, please upload to file for review.<br>Buyer Comment (2026-04-01): Please review attached documents<br>Buyer Comment (2026-04-01): PFA as requested | 04/08/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | CPA Certification , Third Party Verification of the Business within 20 business days of the Note date and VVOE within 20 days of the Note date are missing. |  | Reviewer Comment (2026-04-08): CPA letter dated pre-consummation and within 20 business days of Note date received in trailing documents, along with evidence of tax professional being licensed.<br>Buyer Comment (2026-04-06): updated exception uploaded<br>Reviewer Comment (2026-04-02): Received lender exception stating they relied on CPA letter dated xxxxxx ; however, the only CPA letter provided is dated xxxxxx , which is after consummation. If CPA letter dated xxxxxx is available, please upload to file for review.<br>Buyer Comment (2026-04-01): PFA as requested | 04/08/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Verification, Telephone Listing / Internet Search / Directory Assistance, Third Party Verification |  |  | Reviewer Comment (2026-04-08): CPA letter dated pre-consummation and within 20 business days of Note date received in trailing documents, along with evidence of tax professional being licensed.<br>Buyer Comment (2026-04-06): updated exception uploaded<br>Reviewer Comment (2026-04-02): Received lender exception stating they relied on CPA letter dated xxxxxx ; however, the only CPA letter provided is dated xxxxxx , which is after consummation. If CPA letter dated xxxxxx is available, please upload to file for review.<br>Buyer Comment (2026-04-01): PFA as requested | 04/08/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865427 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-06): xxxxxx lender testing ATR |  |  | 04/06/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865428 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-07): xxxxxx lender testing ATR |  |  | 04/07/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865430 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Non QM designation are used to qualify due to which this exception fired. |  | Reviewer Comment (2026-04-07): xxxxxx lender testing ATR<br>Buyer Comment (2026-04-06): Please waive. |  |  | 04/07/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865430 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2026-04-08): E-Sign Consent Agreement received.<br>Buyer Comment (2026-04-06): Please find attached. | 04/08/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865430 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW discretion for living rent free. |  | Reviewer Comment (2026-04-28): UW discretion received along with LOX confirming borrower is living rent free.<br>Buyer Comment (2026-04-24): UW discretion | 04/28/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865432 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Title Evidence: Commitment; <br> State: xxxxxx | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  | Reviewer Comment (2026-04-06): Received Title Commitment. Exception Cleared.<br>Buyer Comment (2026-04-02): Please see page 5 of the attached prelim | 04/06/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865433 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-15): xxxxxx lender testing ATR |  |  | 04/15/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865433 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Intermediate Closing Disclosure issued on xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. |  | Reviewer Comment (2026-04-17): SitusAMC received proof of earlier electronic receipt<br>Buyer Comment (2026-04-16): Please find attached the CD audit. | 04/17/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865436 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 is missing in the file. |  | Reviewer Comment (2026-04-14): Final Credit application received.<br>Buyer Comment (2026-04-10): Final app | 04/14/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865437 | xxxxxx | xxxxxx | xxxxxx | 03/25/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Signed 1003 Final is missing in the file. |  | Reviewer Comment (2026-05-04): Received signed application. Exception cleared.<br>Buyer Comment (2026-04-30): commercial app | 05/04/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865437 | xxxxxx | xxxxxx | xxxxxx | 03/25/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide an appraisal invoice for the appraisal transfer. |  | Reviewer Comment (2026-04-28): Received invoice for appraisal transfer. Exception cleared.<br>Buyer Comment (2026-04-24): appraisal invoice | 04/28/2026 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865437 | xxxxxx | xxxxxx | xxxxxx | 03/25/2026 | 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 0.66 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Using lower market rent for the income. Unable to confirm 2 months of rent receipt. |  | Reviewer Comment (2026-04-28): Received bank statement with 2 months rent. Exception cleared.<br>Buyer Comment (2026-04-24): rent payments<br>Buyer Comment (2026-04-24): lease agreement | 04/28/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865440 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Tax Verification | The file is missing a copy of Insurance Verification, Statement and Tax Verification. |  | Reviewer Comment (2026-04-27): Received Closing Disclosure and Taxes and Insurance are included in escrow payment for the property "xxxxxx". Exception cleared.<br>Buyer Comment (2026-04-23): Please find attached documents. | 04/27/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A C | D | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865440 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Statement, Tax Verification | The file is missing a copy of Insurance Verification, Statement and Tax Verification. |  | Reviewer Comment (2026-05-04): Received first payment letter. Exception cleared.<br>Buyer Comment (2026-04-30): PFA documents<br>Reviewer Comment (2026-04-27): Evidence of mortgage statement, taxes and insurance for the property "xxxxxx" are required. Exception, remains.<br>Buyer Comment (2026-04-23): Please find attached documents. | 05/04/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A C | D | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865440 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The file is missing a copy of Note. |  | Reviewer Comment (2026-03-27): Note Document received and verified. Exception cleared.<br>Buyer Comment (2026-03-25): Please find attached Note. | 03/27/2026 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A C | D | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865440 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx . CPA Letter |  |  | Reviewer Comment (2026-05-07): Third party verification of business received.<br>Buyer Comment (2026-05-05): PFA documents.<br>Reviewer Comment (2026-05-04): CPA letter still missing in file. Exception remains.<br>Buyer Comment (2026-04-30): PFA documents<br>Reviewer Comment (2026-04-27): CPA letter verifying business entity is required. Exception remains.<br>Buyer Comment (2026-04-23): Please find attached documents. | 05/07/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A C | D | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865440 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing CPA letter and REO insurance and tax documentation. |  | Reviewer Comment (2026-05-07): Third party verification of business received.<br>Buyer Comment (2026-05-05): PFA documents.<br>Reviewer Comment (2026-05-04): CPA letter still missing in file. Exception remains.<br>Buyer Comment (2026-04-30): PFA documents<br>Reviewer Comment (2026-04-27): CPA letter verifying business entity is required and evidence of mortgage statement, taxes and insurance for the property xxxxxx" are required. Exception, remains.<br>Buyer Comment (2026-04-23): Borrower's business xxxxxx Construction was verified via the State of xxxxxx Franchise Tax Account Status website. | 05/07/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A C | D | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865441 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2026-04-01): E-Sign Consent Agreement received.<br>Buyer Comment (2026-03-30): Please find attached the E-Sign consent. | 04/01/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865441 | xxxxxx | xxxxxx | xxxxxx | 03/30/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-31): xxxxxx lender testing ATR<br>Buyer Comment (2026-03-30): Please waive. |  |  | 03/31/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865442 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. |  | Reviewer Comment (2026-04-17): SitusAMC received e-consent dated xxxxxx <br>Buyer Comment (2026-04-16): PFA E-Consent | 04/17/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865442 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | 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 Title - Document Preparation Fee. Fee Amount of $74.00 exceeds tolerance of $0.00. $74.00 over legal limit. Insufficient or no cure was provided to the borrower. (7563) | Title - Document Preparation Fee. Fee Amount of $74.00 exceeds tolerance of $0.00. $74.00 Insufficient or no cure was provided to the borrower. |  | Reviewer Comment (2026-04-21): SitusAMC received corrected PCCD and LOE fees reconciled with final SS.<br>Buyer Comment (2026-04-20): Fees were shopped by the borrower. PFA PCCD and LOE | 04/21/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865442 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | xxxxxx Bank Originated Loan submitted as Non-Exempt. |  | Reviewer Comment (2026-04-15): xxxxxx lender testing ATR |  |  | 04/15/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865443 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Third Party Verification dated within 20 business days of the Note date is missing. The latest CPA letter provided is dated 36 business days prior to the subject Note date. |  | Reviewer Comment (2026-04-08): Received third party verification.<br>Buyer Comment (2026-04-06): SE verification<br>Reviewer Comment (2026-04-06): Third Party Verification dated within 20 business days of the Note date is missing. The latest CPA letter provided is dated 36 business days prior to the subject Note date.<br>Buyer Comment (2026-04-06): IRS search | 04/08/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865443 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Third Party Verification dated within 20 business days of the Note date is missing. The latest CPA letter provided is dated 36 business days prior to the subject Note date. |  | Reviewer Comment (2026-04-08): Received third party verification.<br>Reviewer Comment (2026-04-06): Third Party Verification dated within 20 business days of the Note date is missing. The latest CPA letter provided is dated 36 business days prior to the subject Note date.<br>Buyer Comment (2026-04-06): see attached | 04/08/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865444 | xxxxxx | xxxxxx | xxxxxx | 04/10/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter, CPA Verification | File is missing CPA letter stating not affiliated with either of borrower's business and missing verification of the CPA is duly certified. | 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.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2026-04-29): Waived with compensating factors per lender request.<br>Reviewer Comment (2026-04-29): Error.<br>Reviewer Comment (2026-04-29): Waived with compensating factors at client request.<br>Buyer Comment (2026-04-27): Please waive although dated after closing this is all we have. xxxxxx.<br>Reviewer Comment (2026-04-17): Provided document is postdated, required CPA verification within note date. Exception remains.<br>Buyer Comment (2026-04-15): Please see attached. xxxxxx.<br>Reviewer Comment (2026-04-15): CPA letter provided however we would also require verification of the CPA is duly certified to clear the exception. Exception Remains.<br>Buyer Comment (2026-04-13): Please see attached. |  |  | 04/29/2026 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865446 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-21): xxxxxx lender testing ATR. |  |  | 04/21/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865446 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Both borrowers are living rent free. File is missing underwriter discretion documentation. |  | Reviewer Comment (2026-04-29): Received 1008 with UW discretion.<br>Buyer Comment (2026-04-27): UW discretion | 04/29/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865446 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 2850.00 | All judgements required to be paid prior to closing or at closing. | Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2026-04-30): Waived with compensating factors per lender exception approval. |  |  | 04/30/2026 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865446 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2026-04-28): Received e-sign consent. Exception cleared.<br>Buyer Comment (2026-04-24): E-sign agreement | 04/28/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865446 | xxxxxx | xxxxxx | xxxxxx | 04/30/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Employment/Business on final 1003 does not match the employment/business listed on the ebay documents. 1003 reflects xxxxxx and xxxxxx documents reflect xxxxxx. Provide a signed updated final 1003 with the business name listed as xxxxxx. |  | Reviewer Comment (2026-05-08): Revised 1003 with corrected business name and e-sign process summary received.<br>Buyer Comment (2026-05-06): summary<br>Buyer Comment (2026-05-06): revised final 1003 | 05/08/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865449 | xxxxxx | xxxxxx | xxxxxx | 04/28/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Final Closing Statement not signed by the title agent. |  | Reviewer Comment (2026-05-04): Received final stamped true and certified copy of closing statement in the file. Exception Cleared.<br>Buyer Comment (2026-04-30): Please see executed HUD attached. xxxxxx. | 05/04/2026 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865450 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Statement, Tax Verification | The file is missing a copy of Insurance Verification, Statement and Tax Verification. |  | Reviewer Comment (2026-03-30): Received first payment letter. Exception cleared.<br>Buyer Comment (2026-03-26): First payment letter | 03/30/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865450 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Statement, Tax Verification | The file is missing a copy of Insurance Verification, Statement and Tax Verification. |  | Reviewer Comment (2026-03-30): Received first payment letter. Exception cleared.<br>Buyer Comment (2026-03-26): first payment letter | 03/30/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865450 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing PITIA verification for investment properties. |  | Reviewer Comment (2026-03-30): Received first payment letter. Exception cleared.<br>Buyer Comment (2026-03-26): see attached docs | 03/30/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865450 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower was living rent free with someone other than a spouse prior to xxxxxx . This does not meet guidelines. File is missing rate lock containing an LLPA adjustment and underwriter discretion. |  | Reviewer Comment (2026-03-30): Received UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-03-26): UW discretion | 03/30/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865450 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter |  |  | Reviewer Comment (2026-03-30): Operating agreement present to verify percentage of ownership and evidence of business has been in existence verified from third party verification. Exception cleared.<br>Buyer Comment (2026-03-26): CPA letter is not required per guidelines. percentage of ownership was provided and evidence business has been in existence for two years | 03/30/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865452 | xxxxxx | xxxxxx | xxxxxx | 02/24/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file did not disclose evidence that the CPA is duly licensed or certified. |  | Reviewer Comment (2026-03-04): Documents received.<br>Buyer Comment (2026-03-02): See attached<br>Reviewer Comment (2026-03-02): Documents of CPA verification, Third party verification and Verbal verification of employment are post dated xxxxxx . Documents prior to closing xxxxxx within 20 business days are required. Exception remains.<br>Buyer Comment (2026-02-26): See attached | 03/04/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | Non QM | N/A | No | Mortgagor Focused |
| xxxxxx | 865452 | xxxxxx | xxxxxx | xxxxxx | 02/24/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Verification, Third Party Verification | Please provide evidence that the CPA is duly licensed or certified. |  | Reviewer Comment (2026-03-04): Documents received.<br>Buyer Comment (2026-03-02): See attached<br>Reviewer Comment (2026-03-02): Documents of CPA verification, Third party verification and Verbal verification of employment are post dated xxxxxx . Documents prior to closing xxxxxx within 20 business days are required. Exception remains.<br>Buyer Comment (2026-02-26): See attached | 03/04/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | Non QM | N/A | No | Mortgagor Focused |
| xxxxxx | 865452 | xxxxxx | xxxxxx | xxxxxx | 02/24/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | Borrower: xxxxxx Occupancy: Investment; Declarations/Will borrower occupy: Yes | The Initial and final 1003 disclosed that borrower will occupy subject property. Please provide an updated document disclosing that borrower will not occupy the premises as the primary residence. |  | Reviewer Comment (2026-03-02): Received final 1003 with corrected declarations. Exception cleared.<br>Buyer Comment (2026-02-26): See attached corrected 1003's | 03/02/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | Non QM | N/A | No | Mortgagor Focused |
| xxxxxx | 865452 | xxxxxx | xxxxxx | xxxxxx | 02/24/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Verification of a phone and address listing using the internet within 20 days of the Note date. |  | Reviewer Comment (2026-03-04): Documents received.<br>Buyer Comment (2026-03-02): see attached<br>Reviewer Comment (2026-03-02): Documents of CPA verification, Third party verification and Verbal verification of employment are post dated xxxxxx . Documents prior to closing xxxxxx within 20 business days are required. Exception remains.<br>Buyer Comment (2026-02-26): VVOE attached | 03/04/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | Non QM | N/A | No | Mortgagor Focused |
| xxxxxx | 865454 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | 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 $1,634.00 exceeds tolerance of $1,366.00 plus 10% or $1,502.60. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |  | 04/06/2026 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 865454 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | 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 Title - Document Preparation Fee. Fee Amount of $65.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7563) |  |  | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |  | 04/06/2026 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 865455 | xxxxxx | xxxxxx | xxxxxx | 03/13/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) | Loan Estimate was electronically signed xxxxxx which is prior to E-Consent disclosure xxxxxx . |  | Reviewer Comment (2026-03-30): SitusAMC received e-consent dated xxxxxx <br>Buyer Comment (2026-03-27): Please see attached eSign Summary | 03/30/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865455 | xxxxxx | xxxxxx | xxxxxx | 03/13/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-18): xxxxxx lender testing ATR<br>Buyer Comment (2026-03-16): Please waive. |  |  | 03/18/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865457 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan is qualified with the NON-QM. |  | Reviewer Comment (2026-04-06): xxxxxx lender testing ATR |  |  | 04/06/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865457 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to Verbal Verification of employment is not within 10 business days of the Note. |  | Reviewer Comment (2026-04-20): ATR tested resulting in Non QM. Flipped LD to exempt from ATR to correct grading.<br>Buyer Comment (2026-04-20): See attached update to exception<br>Reviewer Comment (2026-04-15): Received exception form; however, the approved exception is incorrect and what the lender relied on pre-consummation was not provided. Please provide approved exception for VVOE not within 10 days for borrower's caregiving job and indicate what documentation was obtained pre-consummation in approving the loan without the VVOE within 10 calendar days.<br>Buyer Comment (2026-04-13): Attached find Exception | 04/20/2026 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865457 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | 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 Verbal Verification of employment is not within 10 business days of the Note. |  | Reviewer Comment (2026-04-20): Loan is Not ATR Risk. | 04/20/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865457 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing verification of employment within 10 calendar days. |  | Reviewer Comment (2026-04-20): Downgraded and waived<br>Reviewer Comment (2026-04-20): Regraded to xxxxxx based on post-close lender exception outlining alternate pre-close documentation used to verify employment. |  |  | 04/20/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865457 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification of employment within 10 calendar days. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2026-04-20): Waived with compensating factors per lender exception approval.<br>Reviewer Comment (2026-04-20): Regraded to xxxxxx based on post-close lender exception outlining alternate pre-close documentation used to verify employment.<br>Buyer Comment (2026-04-20): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2026-04-17): Document provided is dated xxxxxx which is post-consummation date of xxxxxx .<br>Buyer Comment (2026-04-15): VVOE |  |  | 04/20/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865457 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Missing verification of employment within 10 calendar days. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2026-04-20): Waived with compensating factors per lender exception approval.<br>Reviewer Comment (2026-04-20): Regraded to xxxxxx based on post-close lender exception outlining alternate pre-close documentation used to verify employment.<br>Buyer Comment (2026-04-20): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2026-04-17): The VVOE received is dated xxxxxx , which is post-consummation. A VVOE dated no more than 10 days prior to consummation is required.<br>Buyer Comment (2026-04-15): see attached VVOE |  |  | 04/20/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865458 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | Single Family Detached | Zoning Description is showing xxxxxx | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reviewer Comment (2026-04-01): Lender approved exception post-close with compensating factors.<br>Buyer Comment (2026-03-30): The Post Closing Guideline Exception Form has been uploaded. |  |  | 04/01/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865458 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-24): xxxxxx lender testing ATR. |  |  | 03/24/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865458 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 820.00 | Judgements are required to be paid off. |  | The subject is located within resonable proximity to xxxxxx<br>Reviewer Comment (2026-03-31): Proof of judgment paid received, exception cleared.<br>Buyer Comment (2026-03-27): judgement paid | 03/31/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865459 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | For the subject property, provide bank statements showing account ownership and timely payments debited by Mortgage Servicer; or canceled checks front and back as well as the most recent mortgage statement. |  | Reviewer Comment (2026-04-17): Institutional VOM reflecting 1x30 received.<br>Reviewer Comment (2026-04-17): VOM in file reflects a 60 day late. Please provide evidence this did not occur in the most recent 12 months, as guidelines do not allow a 60 day late in the most recent 12 months. If the electronic pay history is being used to verify this, the additional guideline requirement of bank statements showing account ownership and timely payments debited by the mortgage servicer will be required.<br>Reviewer Comment (2026-04-15): As per verification of mortgage, it is from a private party hence, please provide bank statements or cancelled checks front and back showing account ownership and timely payments debited by Mortgage Servicer for the primary property to verify 12-month history. Exception remains.<br>Buyer Comment (2026-04-13): VOM<br>Reviewer Comment (2026-04-08): Received mortgage pay history. Per guidelines, required bank statements showing account ownership and timely payments debited by Mortgage Servicer, or Canceled checks front and back as well as the most recent mortgage statement. Exception remains.<br>Buyer Comment (2026-04-06): see attached VOM - payment history from Bwr is not required per guidelines.<br>Buyer Comment (2026-04-06): VOM | 04/17/2026 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865459 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide verification of the xxxxxx payment for the subject proeprty. |  | Reviewer Comment (2026-04-15): As per guidelines, 1x30 permitted with no reduction. Exception Cleared.<br>Buyer Comment (2026-04-13): per guidelines, 1x30 permitted with no reduction; We do not have evidence of the Feb payment<br>Reviewer Comment (2026-04-08): The most recent 12 months mortgage pay history is required per guidelines. Exception remains.<br>Buyer Comment (2026-04-06): per guidelines, 1x30 permitted with no reduction. We do not have evidence of Feb payment. | 04/15/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865460 | xxxxxx | xxxxxx | xxxxxx | 04/10/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-10): xxxxxx lender testing ATR |  |  | 04/10/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865460 | xxxxxx | xxxxxx | xxxxxx | 04/10/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Evidence that the CPA is duly certified was not found in the file. |  | Reviewer Comment (2026-04-17): PTIN verification in original submission.<br>Buyer Comment (2026-04-15): Please see attached & advise xxxxxx as the confirmation was pulled from the IRS website for that state. Not certain what else we can provide. xxxxxx. | 04/17/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865461 | xxxxxx | xxxxxx | xxxxxx | 03/10/2026 | 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 $315.00 exceeds tolerance of $147.00 plus 10% or $161.70. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx | 10% tolerance was exceeded by $161.70 due to increase of recording fee. No valid COC provided, no evidence of cure in file. |  | Reviewer Comment (2026-03-09): Sufficient Cure Provided At Closing |  | 03/09/2026 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | A | A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865461 | xxxxxx | xxxxxx | xxxxxx | 03/10/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Jan 2025 bank statement is missing for account ending with 3897-01 to verify income. CPA document date not provided and unable verify verification of employment requirement. |  | Reviewer Comment (2026-03-19): Received January 2026 bank statement. Exception cleared.<br>Buyer Comment (2026-03-17): Please see January 2026 acct statement attached. xxxxxx for the explanation as well Situs!<br>Reviewer Comment (2026-03-16): xxxxxx Account number #xxxxxx - Consecutive 12 months bank statement is not provided. February 2025 to December 2025 statements are provided, missing either January 2025 or January 2026 bank statement.<br>Buyer Comment (2026-03-12): Situs, PLEASE confirm the account number and the name of the depositary. Also confirm please if it's for "xxxxxx" acct #xxxxxx. <br> We are not seeing any bank statements with an acct #xxxxxx. xxxxxx so much. | 03/19/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865461 | xxxxxx | xxxxxx | xxxxxx | 03/10/2026 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx // Document: CPA Letter / Document date: / Tax Year: | CPA document date not provided. |  | Reviewer Comment (2026-03-16): Received dated CPA letter.<br>Buyer Comment (2026-03-12): See attached. xxxxxx. | 03/16/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865461 | xxxxxx | xxxxxx | xxxxxx | 03/10/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements - Personal | Jan 2025 bank statement is missing for account ending with 3897-01. |  | Reviewer Comment (2026-03-19): Received January 2026 bank statement. Exception cleared.<br>Buyer Comment (2026-03-17): Please see January 2026 acct statement attached. xxxxxx for the explanation as well Situs! | 03/19/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865461 | xxxxxx | xxxxxx | xxxxxx | 03/10/2026 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Jan 2025 bank statement is missing for account ending with 3897-01 |  | Reviewer Comment (2026-03-19): Received January 2026 bank statement. Exception cleared. | 03/19/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865462 | xxxxxx | xxxxxx | xxxxxx | 04/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-08): xxxxxx lender testing ATR |  |  | 04/08/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | D | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865462 | xxxxxx | xxxxxx | xxxxxx | 04/08/2026 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | xxxxxx Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  | Reviewer Comment (2026-04-10): Fair Market Acknowledgment signed by lender copy received.<br>Buyer Comment (2026-04-08): Please see attached Acknowledgment of Fair Market Value Disclosure | 04/10/2026 |  |  | 1 C A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | D | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865464 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift letter for $2,500.00 is missing from the file. |  | Reviewer Comment (2026-04-24): Gift letter received.<br>Buyer Comment (2026-04-22): ecert<br>Buyer Comment (2026-04-22): gift letter | 04/24/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865464 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The CPA did not disclose if there was an affiliation with the borrower. Also, gift letter for $2,500.00 is missing from the file. |  | Reviewer Comment (2026-05-04): CPA attestation not required on bank statement program. $2,500 gift funds not used in subject transaction.<br>Buyer Comment (2026-04-30): per guidelines, this is only required if the CPA provides the expense ratio<br>Reviewer Comment (2026-04-29): Need CPA letter verifying no affiliation to the borrower or borrowers business.<br>Buyer Comment (2026-04-27): Borrower was refunded $3783.80 per final SS D0374 and $3999.55 (xxxxxx xxxxxx)=$7782.55/1995.61=3.89 reserves | 05/04/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865464 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Borrower is short reserves due to insufficient assets. Unable to use gift funds for $2,500.00 due to missing gift letter. |  | Reviewer Comment (2026-04-29): Excess funds from purchase.<br>Buyer Comment (2026-04-27): Borrower was refunded $3783.80 per final SS D0374 and $3999.55 (xxxxxx xxxxxx)=$7782.55/1995.61=3.89 reserves<br>Reviewer Comment (2026-04-24): Available assets - $3,999.55 is not enough for 3 months reserves. As per 1008 $2,500.00 is to be returned to borrower but unable to find any confirmation from title on the same. Exception remains.<br>Buyer Comment (2026-04-22): see attached gift letter | 04/29/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865464 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $68,524.55 is less than Cash From Borrower $70,956.29. | Borrower is short funds to close due to insufficient assets. Unable to use gift funds for $2,500.00 due to missing gift letter. |  | Reviewer Comment (2026-04-24): Gift letter received.<br>Buyer Comment (2026-04-22): see attached gift letter | 04/24/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865464 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Proof of the business existence | Missing evidence of the business existence dated within 20 business days of the Note date.. |  | Reviewer Comment (2026-05-04): Received CPA letter is dated xxxxxx within 20 business days of the Note date. Exception cleared.<br>Buyer Comment (2026-04-30): cpa letter | 05/04/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865465 | xxxxxx | xxxxxx | xxxxxx | 04/28/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-30): xxxxxx lender testing ATR<br>Buyer Comment (2026-04-30): xxxxxx lender testing ATR. |  |  | 04/30/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865466 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx | Per guidelines, a minimum of 12 months bank statements are required. File is missing the November 2025 bank statement used in income qualification. |  | Reviewer Comment (2026-05-04): Received bank statement for month November 2025 account #xxxxxx. Exception cleared.<br>Buyer Comment (2026-04-30): see attached docs<br>Reviewer Comment (2026-04-29): Borrower qualifies using personal bank statement ending #xxxxxx. The November statement for account #xxxxxx is required to support income calculation. Exception Remains.<br>Buyer Comment (2026-04-27): xxxxxx xxxxxx | 05/04/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865466 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing the November 2025 bank statement used in income qualification. |  | Reviewer Comment (2026-05-04): Received bank statement for month November 2025 account #xxxxxx. Exception cleared.<br>Buyer Comment (2026-04-30): xxxxxx xxxxxx xxxxxx<br>Reviewer Comment (2026-04-29): Borrower qualifies using personal bank statement ending #xxxxxx. The November statement for account #xxxxxx is required to support income calculation. Exception Remains.<br>Buyer Comment (2026-04-27): see attached | 05/04/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865467 | xxxxxx | xxxxxx | xxxxxx | 04/23/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-28): xxxxxx lender testing ATR.<br>Buyer Comment (2026-04-24): xxxxxx lender testing |  |  | 04/28/2026 | 2 A | xxxxxx | xxxxxx | Second Home | Purchase | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865467 | xxxxxx | xxxxxx | xxxxxx | 04/23/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Allow Gift of Equity for secondary home Purchase. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2026-04-23): Waived with compensating factors per lender exception approval at origination. |  |  | 04/23/2026 | 2 B | xxxxxx | xxxxxx | Second Home | Purchase | B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865468 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | Missing evidence of insurance for xxxxxx property. |  | Reviewer Comment (2026-05-11): Insurance verification received and associated. Exception cleared.<br>Buyer Comment (2026-05-07): Ins | 05/11/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | B | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865468 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Waterfall due to missing evidence of insurance for xxxxxx property. |  | Reviewer Comment (2026-05-11): Insurance verification received and associated. Exception cleared.<br>Buyer Comment (2026-05-07): see attached Ins | 05/11/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | B | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865468 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Originator Application Date was not provided |  |  |  | Reviewer Comment (2026-04-28): Creditor application date received, exception cleared. | 04/28/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | B | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865468 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of xxxxxx which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx . Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. |  |  | Reviewer Comment (2026-04-28): Creditor application date received, exception cleared.<br>Buyer Comment (2026-04-24): please see attached | 04/28/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | B | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865469 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2026-03-30): E-Sign Consent Agreement document received and verified. Exception cleared.<br>Buyer Comment (2026-03-26): Please find attached | 03/30/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865469 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-17): xxxxxx lender testing ATR |  |  | 03/17/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865469 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception in file for borrower living rent free with someone other than a spouse and unable to get a lot rent free letter. Compensating factors: DTI and reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2026-03-17): Waived with compensating factors per lender exception approval at origination. |  |  | 03/17/2026 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865469 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is living rent free with someone other than a spouse. File is missing underwriter discretion allowing for the credit exception. |  | Reviewer Comment (2026-03-30): Updated 1008 document received and verified. Exception cleared.<br>Buyer Comment (2026-03-27): Also uploaded is 1008 xxxxxx Discretion.<br>Buyer Comment (2026-03-27): Please refer doc id: D0345, living rent free adjustment is mentioned in lock confirmation. | 03/30/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865472 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2026-03-30): E-Sign Consent Agreement received and verified. Exception cleared.<br>Buyer Comment (2026-03-26): PFA | 03/30/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865472 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-19): xxxxxx lender testing ATR<br>Buyer Comment (2026-03-19): Please waive. |  |  | 03/19/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865472 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | File is missing warranty deed transferring property ownership to the borrower. |  | Reviewer Comment (2026-03-24): Warranty deed received.<br>Buyer Comment (2026-03-20): deed | 03/24/2026 |  |  | 1 D A | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865472 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is living rent free with someone other than a spouse. This does not meet guidelines. File is missing underwriter discretion. |  | Reviewer Comment (2026-03-24): LOX received along with UW discretion, confirming borrower is living rent free.<br>Buyer Comment (2026-03-20): uw discretion | 03/24/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865479 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. |  | Reviewer Comment (2026-04-06): xxxxxx lender testing ATR |  |  | 04/06/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865479 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | The Hazard Insurance Policy Effective Date is after the disbursement date of xxxxxx . |  | Reviewer Comment (2026-04-16): Received hazard insurance policy, exception cleared<br>Buyer Comment (2026-04-14): RCE<br>Buyer Comment (2026-04-14): HOI<br>Reviewer Comment (2026-04-13): Final closing disclosure dated xxxxxx reflects disbursement date of xxxxxx . An earlier dated CD is not able to be used to update disbursement date. Further, the settlement agent final signed settlement statement for both the buyer and seller reflects a disbursement date of xxxxxx .<br>Buyer Comment (2026-04-09): Disbursement date is xxxxxx  | 04/16/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865480 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-31): xxxxxx lender testing ATR |  |  | 03/31/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865480 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Zip code mismatch |  | Reviewer Comment (2026-04-17): Received corrected Insurance<br>Buyer Comment (2026-04-15): INS | 04/17/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865481 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Credit application is missing for guarantor xxxxxx. |  | Reviewer Comment (2026-04-08): Received Credit Application. Exception Cleared.<br>Buyer Comment (2026-04-06): Please see attached | 04/08/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865482 | xxxxxx | xxxxxx | xxxxxx | 03/23/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | The loan designation as per deal notes is non-QM. However, the loan is failed for xxxxxx Bank Originated Loan submitted as non-exempt. |  | Reviewer Comment (2026-03-23): xxxxxx lender testing ATR |  |  | 03/23/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865483 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception 5% - 6.99 if condo has cash assets that equal 50% of HOA assessments as listed on current year budge. Per condo budget shows reserves of 6.24% balance sheet not available. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2026-04-07): Waived with compensating factors per lender exception approval at origination. |  |  | 04/07/2026 | 2 B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865483 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $212,190.00 is less than Cash From Borrower $223,939.68. | Borrower is short funds to close. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2026-05-19): Waived with compensating factors per lender approved exception received in trailing documents.<br>Buyer Comment (2026-05-15): exception<br>Reviewer Comment (2026-05-13): Disbursement date has no bearing on this condition. Funds must have been available to borrower on date of closing which was xxxxxx per the security instrument.<br>Buyer Comment (2026-05-11): revised Final Disbursement date xxxxxx <br> Reviewer Comment (2026-04-30): Loan closed on xxxxxx and funds were insufficient at time of closing. Balance in the xxxxxx account as of xxxxxx was $251.78.<br>Reviewer Comment (2026-04-30): Cleared in error<br>Reviewer Comment (2026-04-30): Total available funds are $212,190.00 + POCs totaling $690.00+ xxxxxx $1,418.25 = $214,298.25 and funds required for closing is $223,939.68. We need Bank statement with sufficient funds. Exception remains.<br>Buyer Comment (2026-04-28): xxxxxx<br>Reviewer Comment (2026-04-13): This was already accounted for in the asset calculations. The only documented funds in file are the gift funds and all bank statements provided for review are 3+ years old at time of consummation.<br>Buyer Comment (2026-04-09): appraisal paid by CC |  |  | 05/19/2026 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865484 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | The file is missing a copy of the E-Sign Consent Agreement. |  | Reviewer Comment (2026-04-20): Received Econsent.<br>Buyer Comment (2026-04-16): PFA | 04/20/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865484 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  | Reviewer Comment (2026-04-22): Waived per client request.<br>Buyer Comment (2026-04-20): Please waive.<br>Reviewer Comment (2026-04-17): Waiver is unable to be used. This is an xxxxxx that client can elect to waive, as the revised appraisal was not provided at least 3 business days prior to consummation.<br>Buyer Comment (2026-04-16): Document ID 0254: The borrower waives the right to a three-day waiting period to review the appraisal report or valuation prior to loan closing. |  |  | 04/22/2026 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865484 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-15): xxxxxx lender testing ATR. |  |  | 04/15/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865484 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Provide an updated Declaration Page with the correct Mortgagee. Currently reflects xxxxxx. |  | Reviewer Comment (2026-04-28): Updated Hazard Insurance received and verified. Exception cleared<br>Buyer Comment (2026-04-24): PFA<br>Reviewer Comment (2026-04-22): The HO6 policy (D0388) is the one that needs to be updated. It reflects xxxxxx without the xxxxxx.<br>Buyer Comment (2026-04-20): Doc ID 0397. xxxxxx.<br>Reviewer Comment (2026-04-17): The documents being referenced were reviewed; however, the mortgagee clause reflects xxxxxx (without the xxxxxx).<br>Buyer Comment (2026-04-16): Document ID 0388 and 0397. xxxxxx. | 04/28/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865484 | xxxxxx | xxxxxx | xxxxxx | 04/28/2026 | Credit | Loan Package Documentation | Application / Processing | Flood | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | Most Recent Valuation Inspection date: xxxxxx;<br> Disaster Name: xxxxxx <br> Disaster Declaration date: xxxxxx; <br> Disaster End date: xxxxxx |  |  | Reviewer Comment (2026-05-14): PDI received reflecting no damage.<br>Buyer Comment (2026-05-12): Disaster | 05/14/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865489 | xxxxxx | xxxxxx | xxxxxx | 03/17/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-19): xxxxxx lender testing ATR<br>Buyer Comment (2026-03-18): xxxxxx lender testing ATR. |  |  | 03/19/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865490 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The file is missing a copy of the Appraisal Transfer Letter. |  | Reviewer Comment (2026-04-21): Received Appraisal Transfer Letter. Exception cleared.<br>Buyer Comment (2026-04-17): please see attached | 04/21/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Purchase | B A | A | A B | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865490 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-14): xxxxxx lender testing ATR |  |  | 04/14/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | B A | A | A B | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865491 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Details are updated as per the source document. |  | Reviewer Comment (2026-04-16): xxxxxx lender testing ATR |  |  | 04/16/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865492 | xxxxxx | xxxxxx | xxxxxx | 04/03/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-03): xxxxxx lender testing ATR |  |  | 04/03/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865492 | xxxxxx | xxxxxx | xxxxxx | 04/03/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Missing TPV of business existence. |  | Reviewer Comment (2026-04-08): Business is in existence verified from CPA letter. Exception cleared.<br>Buyer Comment (2026-04-05): Please review D1110 CPA letter is already provided as Thirtd party verifications | 04/08/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865492 | xxxxxx | xxxxxx | xxxxxx | 04/03/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing TPV of the business existence. |  | Reviewer Comment (2026-04-08): Business is in existence verified from CPA letter. Exception cleared.<br>Buyer Comment (2026-04-05): Please review D1110 CPA letter is already provided as Third party verifications | 04/08/2026 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865492 | xxxxxx | xxxxxx | xxxxxx | 04/03/2026 | 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. | Missing TPV of the business existence. |  | Reviewer Comment (2026-04-08): Business is in existence verified from CPA letter. Exception cleared.<br>Buyer Comment (2026-04-05): Please review D1110 CPA letter is already provided as Third party verifications | 04/08/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865493 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Initial Loan Estimate is not signed and date |  | Reviewer Comment (2026-05-01): SitusAMC received xxxxxx initial LE within 3 business days of application.<br>Buyer Comment (2026-04-30): PFA<br>Reviewer Comment (2026-04-29): SitusAMC received LE dated xxxxxx whereas the initial application in the file is dated xxxxxx . Kindly provide initial LE within three business days of application.<br>Buyer Comment (2026-04-28): PFA | 05/01/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865493 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-07): xxxxxx lender testing ATR |  |  | 04/07/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865493 | xxxxxx | xxxxxx | xxxxxx | 04/07/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement is missing from the file. |  | Reviewer Comment (2026-04-30): Received e-sign consent. Exception cleared.<br>Buyer Comment (2026-04-28): PFA | 04/30/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865495 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Neither of the escrow waiver reason checkboxes are marked on the consumer's final Closing Disclosure. |  | Reviewer Comment (2026-04-09): Situamc Received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2026-04-08): LOE and PC-CD uploaded |  | 04/09/2026 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865495 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-06): xxxxxx lender testing ATR |  |  | 04/06/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865497 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-31): xxxxxx lender testing ATR |  |  | 03/31/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865497 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing verification of CPA license. |  | Reviewer Comment (2026-04-17): PTIN verification received in trailing docs.<br>Buyer Comment (2026-04-15): Please find attached.<br>Reviewer Comment (2026-04-13): Received lender exception; however, it indicates the tax preparer PTIN was verified post-consummation and this documentation is not in the loan file. The entity the tax preparer works for is verified; however, the PTIN of the tax preparer was not provided.<br>Buyer Comment (2026-04-09): Please find attached. | 04/17/2026 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865497 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing verification of CPA license. |  | Reviewer Comment (2026-04-17): PTIN verification received in trailing docs.<br>Reviewer Comment (2026-04-13): Received lender exception; however, it indicates the tax preparer PTIN was verified post-consummation and this documentation is not in the loan file. The entity the tax preparer works for is verified; however, the PTIN of the tax preparer was not provided.<br>Buyer Comment (2026-04-09): Please find attached. | 04/17/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865497 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Verification | File is missing verification of CPA license. |  | Reviewer Comment (2026-04-17): PTIN verification received in trailing docs.<br>Buyer Comment (2026-04-15): Please find attached.<br>Reviewer Comment (2026-04-13): Received lender exception; however, it indicates the tax preparer PTIN was verified post-consummation and this documentation is not in the loan file. The entity the tax preparer works for is verified; however, the PTIN of the tax preparer was not provided.<br>Buyer Comment (2026-04-09): Please find attached Doc. | 04/17/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865497 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2026-04-07): Received e-sign consent. Exception cleared.<br>Buyer Comment (2026-04-03): Please see attached | 04/07/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865497 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing verification of CPA license. |  | Reviewer Comment (2026-04-17): PTIN verification received in trailing docs.<br>Reviewer Comment (2026-04-13): Received lender exception; however, it indicates the tax preparer PTIN was verified post-consummation and this documentation is not in the loan file. The entity the tax preparer works for is verified; however, the PTIN of the tax preparer was not provided.<br>Buyer Comment (2026-04-09): Please find attached Doc. | 04/17/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865497 | xxxxxx | xxxxxx | xxxxxx | 03/31/2026 | 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 missing verification of CPA license. |  | Reviewer Comment (2026-04-17): PTIN verification received in trailing docs.<br>Buyer Comment (2026-04-15): Please find attached.<br>Reviewer Comment (2026-04-13): Received lender exception; however, it indicates the tax preparer PTIN was verified post-consummation and this documentation is not in the loan file. The entity the tax preparer works for is verified; however, the PTIN of the tax preparer was not provided.<br>Buyer Comment (2026-04-09): Please find attached Doc.<br>Buyer Comment (2026-04-09): Please find attached. | 04/17/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865498 | xxxxxx | xxxxxx | xxxxxx | 04/06/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-06): xxxxxx lender testing ATR |  |  | 04/06/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865500 | xxxxxx | xxxxxx | xxxxxx | 04/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-08): xxxxxx lender testing ATR |  |  | 04/08/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865500 | xxxxxx | xxxxxx | xxxxxx | 04/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing documentation CPA was independently verified. |  | Reviewer Comment (2026-04-27): Evidence the CPA is certified has been provided.<br>Buyer Comment (2026-04-23): updated CPA license provided<br>Reviewer Comment (2026-04-17): The printout received does not verify the tax preparer's license, it only verifies they own the business listed under the name on the CPA letter. Evidence this individual is licensed (PTIN, CTEC, CPA, etc) will be required for review of the income conditions.<br>Buyer Comment (2026-04-15): Exception with SOS uploaded<br>Reviewer Comment (2026-04-13): Printout provided does not verify PTIN (or other) license of tax preparer, nor is it dated to determine when it was obtained.<br>Buyer Comment (2026-04-09): CPA verification provided | 04/27/2026 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865500 | xxxxxx | xxxxxx | xxxxxx | 04/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing documentation CPA was independently verified. |  | Reviewer Comment (2026-04-27): Evidence the CPA is certified has been provided.<br>Buyer Comment (2026-04-23): updated CPA license provided<br>Reviewer Comment (2026-04-17): The printout received does not verify the tax preparer's license, it only verifies they own the business listed under the name on the CPA letter. Evidence this individual is licensed (PTIN, CTEC, CPA, etc) will be required for review of the income conditions.<br>Buyer Comment (2026-04-15): Exception with SOS uploaded<br>Reviewer Comment (2026-04-13): Printout provided does not verify PTIN (or other) license of tax preparer, nor is it dated to determine when it was obtained.<br>Buyer Comment (2026-04-09): CPA verification provided | 04/27/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865500 | xxxxxx | xxxxxx | xxxxxx | 04/08/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Verification | Missing documentation CPA was independently verified. |  | Reviewer Comment (2026-04-27): Evidence the CPA is certified has been provided.<br>Buyer Comment (2026-04-23): updated CPA license provided<br>Reviewer Comment (2026-04-17): The printout received does not verify the tax preparer's license, it only verifies they own the business listed under the name on the CPA letter. Evidence this individual is licensed (PTIN, CTEC, CPA, etc) will be required for review of the income conditions.<br>Buyer Comment (2026-04-15): Exception with SOS uploaded<br>Reviewer Comment (2026-04-13): Printout provided does not verify PTIN (or other) license of tax preparer, nor is it dated to determine when it was obtained.<br>Buyer Comment (2026-04-09): CPA verification provided | 04/27/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865500 | xxxxxx | xxxxxx | xxxxxx | 04/08/2026 | 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 missing documentation CPA was independently verified. |  | Reviewer Comment (2026-04-27): Evidence the CPA is certified has been provided.<br>Buyer Comment (2026-04-23): updated CPA license provided<br>Reviewer Comment (2026-04-17): The printout received does not verify the tax preparer's license, it only verifies they own the business listed under the name on the CPA letter. Evidence this individual is licensed (PTIN, CTEC, CPA, etc) will be required for review of the income conditions.<br>Buyer Comment (2026-04-15): Exception with SOS uploaded<br>Reviewer Comment (2026-04-13): Printout provided does not verify PTIN (or other) license of tax preparer, nor is it dated to determine when it was obtained.<br>Buyer Comment (2026-04-09): CPA verification provided | 04/27/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx | Creditor did not provide a copy of revised valuation to applicant three business days prior to consummation. |  | Reviewer Comment (2026-05-05): Waived per lender direction.<br>Buyer Comment (2026-05-05): Please waive. |  |  | 05/05/2026 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-14): xxxxxx lender testing ATR |  |  | 04/14/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing documentation that the donor gave the closing agent the gift funds. |  | Reviewer Comment (2026-04-17): Received wire transfer receipt in trailing docs. | 04/17/2026 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing documentation that the donor gave the closing agent the gift funds. |  | Reviewer Comment (2026-04-17): Received wire transfer receipt in trailing docs. | 04/17/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | File is missing documentation that the donor gave the closing agent the gift funds. |  | Reviewer Comment (2026-04-17): Received wire transfer receipt in trailing docs.<br>Buyer Comment (2026-04-16): $20,000 wire | 04/17/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | File is missing documentation that the donor gave the closing agent the gift funds. |  | Reviewer Comment (2026-04-17): Received wire transfer receipt in trailing docs.<br>Buyer Comment (2026-04-16): see attached wire | 04/17/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2026-04-17): E-Sign Consent Agreement document received and verified. Exception cleared.<br>Buyer Comment (2026-04-15): Please see attached | 04/17/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is living rent free with someone other than a spouse. File is missing underwriter discretion documentation. |  | Reviewer Comment (2026-04-20): Received 1008 with UW discretion.<br>Buyer Comment (2026-04-16): UW discretion | 04/20/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | 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 missing documentation that the donor gave the closing agent the gift funds. |  | Reviewer Comment (2026-04-17): Received wire transfer receipt in trailing docs. | 04/17/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865502 | xxxxxx | xxxxxx | xxxxxx | 04/01/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide a fully executed HUD/Closing Statement. |  | Reviewer Comment (2026-04-13): Received final closing statement signed by all the parties. Exception cleared.<br>Buyer Comment (2026-04-09): Please see attached.<br>Reviewer Comment (2026-04-06): Provided final closing statement is not signed by all the parties or stamped true and certified. exception remains<br>Buyer Comment (2026-04-02): Please see attached. | 04/13/2026 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865508 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2026-04-07): Fraud report received<br>Buyer Comment (2026-04-07): Clear Fraud Report attached. | 04/07/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865508 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2026-04-07): Fraud report with OFAC provided.<br>Buyer Comment (2026-04-07): Clear Fraud Report attached. | 04/07/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865508 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2026-04-07): Received Title Commitment. Exception Cleared.<br>Buyer Comment (2026-04-03): Title Report attached. | 04/07/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865508 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2026-04-07): Received Title Commitment. Exception Cleared.<br>Buyer Comment (2026-04-03): Title Report attached. | 04/07/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865508 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  | Reviewer Comment (2026-04-07): Received Closing Protection Letter. Exception Cleared.<br>Buyer Comment (2026-04-03): CPL attached. | 04/07/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865508 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  | Reviewer Comment (2026-04-07): Fraud report received<br>Buyer Comment (2026-04-07): Clear Fraud Report attached. | 04/07/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865508 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  | Reviewer Comment (2026-04-07): Fraud report with OFAC search received<br>Buyer Comment (2026-04-07): Clear Fraud Report attached. | 04/07/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865509 | xxxxxx | xxxxxx | xxxxxx | 03/18/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. |  | Reviewer Comment (2026-03-24): SitusAMC received LE dated xxxxxx .<br>Buyer Comment (2026-03-23): See attached Initial LE | 03/24/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 865509 | xxxxxx | xxxxxx | xxxxxx | 03/24/2026 | 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 Appraisal Fee. Fee Amount of $960.96 exceeds tolerance of $850.00. $110.96 over legal limit. Insufficient or no cure was provided to the borrower. (7506) | A valid COC with sufficient information on why the appraisal fee increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. |  | Reviewer Comment (2026-03-26): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-03-25): Attached is a copy of the check<br>Reviewer Comment (2026-03-25): SitusAMC received LOE to borrower, proof of mailing, Corrected CD. Missing Copy of Refund Check.<br>Buyer Comment (2026-03-24): See attached cure docs. |  | 03/26/2026 |  | 2 B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 865510 | xxxxxx | xxxxxx | xxxxxx | 03/16/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Please provide the final Closing Statement fully executed by all parties or stamped true and certified. The copy in the file was not signed by borrower. |  | Reviewer Comment (2026-03-27): Received Final Closing Statement with Certified True and Correct Copy stamp in the file. Exception Cleared.<br>Buyer Comment (2026-03-25): Final SS<br>Reviewer Comment (2026-03-24): Provided Closing Statement is not executed by all parties or stamped true and certified. Executed Acknowledgment and receipt of settlement statement is provided however date is missing on that. Exception remains.<br>Buyer Comment (2026-03-20): final SS | 03/27/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865510 | xxxxxx | xxxxxx | xxxxxx | 03/16/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide verification of 2 months rent receipt received for all units. This is due to all are either expired and are now month to month or are set up as month to month leases. If the above cannot be met, then 75% of market rent is to be used to qualify. |  | Reviewer Comment (2026-03-23): As per appraisal property is purchase and market rent is used calculate DSCR, nothing else is required. Exception Cleared<br>Buyer Comment (2026-03-19): D0304 market rent reports $6125; nothing further is required if using market rent | 03/23/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865510 | xxxxxx | xxxxxx | xxxxxx | 03/16/2026 | 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 0.84 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Used the lower lease amounts per guidelines to calculate the DSCR. |  | Reviewer Comment (2026-03-23): As per appraisal property is purchase and market rent is used calculate DSCR, nothing else is required. Exception Cleared<br>Buyer Comment (2026-03-19): D0304 market rent reports $6125; nothing further is required if using market rent | 03/23/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865511 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Please provide the final Closing Statement fully executed by all parties or stamped true and certified. The copy in the file was not signed by all parties. |  | Reviewer Comment (2026-04-23): Received final SS.<br>Buyer Comment (2026-04-21): Please see attached Final SS | 04/23/2026 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | D | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865511 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Rent-free letter was in the file, however, UW Discretion is required for borrower living rent-free with someone other than spouse. |  | Reviewer Comment (2026-04-28): Received UW discretion for borrower living rent-free. Exception cleared.<br>Buyer Comment (2026-04-24): Please see attached. xxxxxx . | 04/28/2026 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | D | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865511 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing the verification of the business existence dated within 20 business days of the Note date. |  | Reviewer Comment (2026-04-28): Received VVOE. Exception cleared.<br>Buyer Comment (2026-04-24): See attached. xxxxxx. | 04/28/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | D | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Gift Letter was not provided for gift amount of $72,911.15. |  | Reviewer Comment (2026-01-16): Received Gift letter of amount $72,911.15., information validated. Reserve requirement suffices. Exception Cleared.<br>Buyer Comment (2026-01-14): gift letter | 01/16/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Calculated PITIA months reserves of 2.94 is less than guideline required PITIA months reserves of 3. |  | Reviewer Comment (2026-01-16): Received Gift letter of amount $72,911.15., information validated. Reserve requirement suffices. Exception Cleared.<br>Buyer Comment (2026-01-14): see attached gift letter | 01/16/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift Letter was not provided for gift amount of $72,911.15. |  | Reviewer Comment (2026-01-16): Received Gift letter of amount $72,911.15., information validated. Reserve requirement suffices. Exception Cleared.<br>Buyer Comment (2026-01-14): see attached gift letter | 01/16/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | The hazard insurance policy effective date is after the note date xxxxxx . |  | Reviewer Comment (2026-01-16): Policy effective date is before disbursement date. Exception cleared.<br>Buyer Comment (2026-01-14): HOI insurance date is effective prior to the disbursement date. This is permitted. | 01/16/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing verification of employment within 20 business days prior to Note. Updated CPA letter was dated post-close. |  | Reviewer Comment (2026-01-16): Received Gift letter of amount $72,911.15., information validated. Reserve requirement suffices. Exception Cleared.<br>Buyer Comment (2026-01-14): VVOE was dated prior to the disbursement date. This is permitted. | 01/16/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $14,500.17 is less than Cash From Borrower $79,897.15. | Borrower is short funds to close. Unable to use gift funds due to missing gift letter. |  | Reviewer Comment (2026-01-16): Received Gift letter of amount $72,911.15., information validated. Reserve requirement suffices. Exception Cleared.<br>Buyer Comment (2026-01-14): see attached gift letter | 01/16/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion required for borrower living rent free with someone other than a spouse. |  | Reviewer Comment (2026-01-16): As per provided 1008 document Borrower is living rent free, per guidelines this underwriter discretion. Exception Cleared.<br>Buyer Comment (2026-01-14): uw discretion | 01/16/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/13/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx VVOE with CPA | Missing the VVOE with the CPA prior to closing. | Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2026-01-27): Waived with compensating factors at clients request.<br>Buyer Comment (2026-01-23): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2026-01-23): Provided CPA letter is post-closing, require document prior to closing.<br>Buyer Comment (2026-01-21): VVOe |  |  | 01/27/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | 01/28/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-01-28): Waived per client |  |  | 01/28/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | 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 (2026-04-24): Title Final Policy document received and verified. Exception cleared. | 04/24/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary; <br> State: xxxxxx |  |  | Reviewer Comment (2026-04-24): Title Final Policy document received and verified. Exception cleared.<br>Buyer Comment (2026-04-22): final | 04/24/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Tax Verification | The file is missing the taxes and insurance documentation for this property. Please provide for review. |  | Reviewer Comment (2026-04-23): Received tax and insurance verification. Exception cleared.<br>Buyer Comment (2026-04-21): tax<br>Buyer Comment (2026-04-21): Ins | 04/23/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Taxes and insurance documents were not provided for the xxxxxx property. |  | Reviewer Comment (2026-04-23): Received tax and insurance verification. Exception cleared.<br>Buyer Comment (2026-04-21): see attached | 04/23/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-16): xxxxxx lender testing ATR |  |  | 04/16/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing REO documents for the xxxxxx property. |  | Reviewer Comment (2026-04-27): Required REO documents provided. | 04/27/2026 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | 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 missing REO documents for the xxxxxx property. |  | Reviewer Comment (2026-04-27): Required REO documents provided. | 04/27/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | ATR failure due to missing REO documents for the xxxxxx property |  | Reviewer Comment (2026-04-27): Required REO documents provided. | 04/27/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865516 | xxxxxx | xxxxxx | xxxxxx | 04/23/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-22): xxxxxx lender testing ATR. |  |  | 04/22/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865516 | xxxxxx | xxxxxx | xxxxxx | 04/23/2026 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | RTC shows the right to Rescission date as xxxxxx , whereas the Final Closing disclosure shows the disbursement date as xxxxxx . |  | Reviewer Comment (2026-04-30): Certified settlement statement with xxxxxx disbursement date received in trailing docs.<br>Buyer Comment (2026-04-29): Please see revised settlement statement and PCCD attached.<br>Buyer Comment (2026-04-28): Please see attached. | 04/30/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | C | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865516 | xxxxxx | xxxxxx | xxxxxx | 04/23/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-1,198.75. Insufficient or no cure was provided to the borrower. (9300) | Fee increased without a valid change of circumstance or cure. |  | Reviewer Comment (2026-04-30): Situsamc Received Valid COC dated xxxxxx .<br>Buyer Comment (2026-04-29): Please see attached COC. | 04/30/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865519 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower was previously living rent free with someone other the a spouse. This does not meet guidelines. File is missing rate lock with LLPA and underwriter discretion documentation. |  | Reviewer Comment (2026-04-29): Received final 1008 with rent-free comments. Exception cleared.<br>Buyer Comment (2026-04-27): Situs would you PLEASE be so kind to reflect this condition as cleared & place the loan in complete status. xxxxxx so much.<br>Reviewer Comment (2026-04-27): Received 1008 with UW discretion comments for living rent free. Exception cleared.<br>Buyer Comment (2026-04-23): Please underwriters final 1008 with rent free comments. xxxxxx. | 04/29/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865519 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the borrowers final Closing Statement fully executed by all parties or stamped true and certified by title representative. Copy provided is an estimated closing statement. |  | Reviewer Comment (2026-04-27): Received true and certified copy of Final closing statement. Exception cleared.<br>Buyer Comment (2026-04-23): Please see final HUD attached. xxxxxx. | 04/27/2026 |  |  | 1 C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865521 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | 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 Review Fee. Fee Amount of $247.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) | 0% tolerance was exceeded by $97 due to Appraisal Review Fee. A specific credit of $97 has been provided as cure at closing. |  | Reviewer Comment (2026-04-17): Sufficient Cure Provided At Closing |  | 04/17/2026 |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | C | B A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865521 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | VOE is not dated within 10 calendar days of note date. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2026-04-29): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-04-27): PFA Exception<br>Reviewer Comment (2026-04-22): Per guidelines for wage earners, VVOEs are required within 10 calendar days, not business days. 10 calendar days would be xxxxxx and document was completed on xxxxxx .<br>Buyer Comment (2026-04-21): PFA as requested, we only consider week days |  |  | 04/29/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865521 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | VOE is not dated within 10 calendar days of note date. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2026-04-29): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-04-27): Exception uploaded<br>Reviewer Comment (2026-04-22): Per guidelines for wage earners, VVOEs are required within 10 calendar days, not business days. 10 calendar days would be xxxxxx and document was completed on xxxxxx .<br>Buyer Comment (2026-04-21): PFA as requested, we only consider weekdays |  |  | 04/29/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865521 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-22): xxxxxx lender testing ATR<br>Buyer Comment (2026-04-21): PFA as requested, we only consider weekdays |  |  | 04/22/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865521 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to VOE is not dated within 10 calendar days of note date. |  | Reviewer Comment (2026-04-30): ATR tested resulting in Non QM. Flipped LD to exempt from ATR to correct grading.<br>Buyer Comment (2026-04-27): Exception uploaded<br>Reviewer Comment (2026-04-22): Per guidelines for wage earners, VVOEs are required within 10 calendar days, not business days. 10 calendar days would be xxxxxx and document was completed on xxxxxx .<br>Buyer Comment (2026-04-21): PFA as requested, we only consider weekdays | 04/30/2026 |  |  | 1 B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865521 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | 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. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to VOE is not dated within 10 calendar days of note date. |  | Reviewer Comment (2026-04-30): Waived with compensating factors per lenders exception approval.<br>Reviewer Comment (2026-04-29): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br>Reviewer Comment (2026-04-29): xxxxxx with lender exception and sufficient compensating factors.<br>Buyer Comment (2026-04-27): Exception uploaded<br>Reviewer Comment (2026-04-22): Per guidelines for wage earners, VVOEs are required within 10 calendar days, not business days. 10 calendar days would be xxxxxx and document was completed on xxxxxx .<br>Buyer Comment (2026-04-21): PFA as requested, we only consider weekdays |  |  | 04/30/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865521 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to VOE is not dated within 10 calendar days of note date. |  | Reviewer Comment (2026-04-30): Waived with compensating factors per lenders exception approval.<br>Reviewer Comment (2026-04-29): xxxxxx with lender exception and sufficient compensating factors.<br>Buyer Comment (2026-04-27): Exception uploaded<br>Reviewer Comment (2026-04-22): Per guidelines for wage earners, VVOEs are required within 10 calendar days, not business days. 10 calendar days would be xxxxxx and document was completed on xxxxxx .<br>Buyer Comment (2026-04-21): PFA as requested, we only consider weekdays |  |  | 04/30/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865523 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-22): xxxxxx lender testing ATR<br>Buyer Comment (2026-04-21): Please waive. |  |  | 04/22/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865526 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the OFAC report for the business entity. |  | Reviewer Comment (2026-05-04): Received dated OFAC report for the business entity copy in the file. Exception Cleared.<br>Buyer Comment (2026-04-30): PFA<br>Reviewer Comment (2026-04-27): Provided OFAC search result does not have information as of date at footer. Exception remains.<br>Buyer Comment (2026-04-23): PFA | 05/04/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865526 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide the final Closing Statement fully executed by all parties or stamped true and certified. The copy in the file was not signed by all parties. |  | Reviewer Comment (2026-05-04): Final closing statement received<br>Buyer Comment (2026-04-30): PFA | 05/04/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865527 | xxxxxx | xxxxxx | xxxxxx | 04/03/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  |  |  | Reviewer Comment (2026-04-13): Received Final HUD. Exception Cleared.<br>Buyer Comment (2026-04-09): final SS | 04/13/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865527 | xxxxxx | xxxxxx | xxxxxx | 04/03/2026 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Provide the xxxxxx pay history for the primary residence mortgage with xxxxxx. |  | Reviewer Comment (2026-04-13): Guideline allows Program permits 1x30 with no reduction. Exception Cleared.<br>Buyer Comment (2026-04-09): Program permits 1x30; we don't have Feb payment | 04/13/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865528 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Please provide the final Closing Statement fully executed by all parties or stamped true and certified. The copy in the file was not signed by all parties. |  | Reviewer Comment (2026-05-06): Received HUD. Exception Cleared.<br>Buyer Comment (2026-05-04): PFA<br>Reviewer Comment (2026-04-30): Required all pages of Final HUD-1 document with signature and date. Provided one 2nd page missing in loan file. Exception remains.<br>Buyer Comment (2026-04-28): PFA Final-Hud-1 | 05/06/2026 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865533 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Verbal verification of employment is not within 10 calendar days of the Note. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2026-04-22): Waived with compensating factors per lender request. File contains pre-consummation and post-consummation VVOE; however, neither are dated within 10 calendar days of Note date.<br>Buyer Comment (2026-04-22): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2026-04-22): Require VVOE within 10 calendar days of the Note. Received is post note date. Exception Remains.<br>Buyer Comment (2026-04-20): VVOE |  |  | 04/22/2026 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865533 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verbal verification of employment is not within 10 calendar days of the Note. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reviewer Comment (2026-04-22): Waived with compensating factors per lender request. File contains pre-consummation and post-consummation VVOE; however, neither are dated within 10 calendar days of Note date.<br>Buyer Comment (2026-04-22): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2026-04-22): Require VVOE within 10 calendar days of the Note. Received is post note date. Exception Remains.<br>Buyer Comment (2026-04-20): see attached VVOE |  |  | 04/22/2026 | 2 C B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865533 | xxxxxx | xxxxxx | xxxxxx | 04/02/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing OFAC for borrowing business entity. |  | Reviewer Comment (2026-04-13): OFAC received for business entity, Exception cleared.<br>Buyer Comment (2026-04-09): ofac | 04/13/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865536 | xxxxxx | xxxxxx | xxxxxx | 04/27/2026 | 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 (2026-05-05): Received final stamped true and certified copy of closing statement in the file. Exception Cleared.<br>Buyer Comment (2026-05-01): PFA | 05/05/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865541 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  | Reviewer Comment (2026-04-15): xxxxxx lender testing ATR. |  |  | 04/15/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865541 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx |  | Reviewer Comment (2026-04-24): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2026-04-23): Please see attached PCCD And LOE |  | 04/24/2026 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865541 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide UW discretion for borrower living rent free with non spouse. |  | Reviewer Comment (2026-04-24): Updated 1008 document received and verified. Exception cleared.<br>Buyer Comment (2026-04-22): UW discretion | 04/24/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865543 | xxxxxx | xxxxxx | xxxxxx | 04/28/2026 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. Settlement agent signature is missing. |  | Reviewer Comment (2026-05-06): Received HUD-1 signed/dated by all parties. Exception cleared.<br>Buyer Comment (2026-05-04): final SS | 05/06/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865544 | xxxxxx | xxxxxx | xxxxxx | 03/05/2026 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  | Reviewer Comment (2026-03-19): Appraisal report received and verified the details. Exception Cleared.<br>Buyer Comment (2026-03-17): Please see attached appraisal report | 03/19/2026 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 865544 | xxxxxx | xxxxxx | xxxxxx | 03/05/2026 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2026-03-19): Appraisal report received and verified the details. Exception Cleared.<br>Buyer Comment (2026-03-17): Appraisal report is provided | 03/19/2026 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 865544 | xxxxxx | xxxxxx | xxxxxx | 03/05/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: xxxxxx<br> Disaster Declaration date: xxxxxx<br> Disaster End date: xxxxxx |  |  | Reviewer Comment (2026-03-19): Appraisal report received and verified the details. Exception Cleared.<br>Buyer Comment (2026-03-17): Appraisal report is provided | 03/19/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 865544 | xxxxxx | xxxxxx | xxxxxx | 03/05/2026 | 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 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | File is missing appraisal to calculate DSCR. |  | Reviewer Comment (2026-03-19): Appraisal report and Comparable Rent schedule received. DSCR calculated. Exception Cleared.<br>Buyer Comment (2026-03-17): Appraisal report is provided | 03/19/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 865544 | xxxxxx | xxxxxx | xxxxxx | 03/05/2026 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property | Address: xxxxxx |  |  | Reviewer Comment (2026-03-19): Comparable Rent schedule received and verified the details. Exception Cleared.<br>Buyer Comment (2026-03-17): Appraisal report is provided | 03/19/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 865544 | xxxxxx | xxxxxx | xxxxxx | 03/05/2026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide rent free letter from spouse meeting guidelines. Additional conditions may apply. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reviewer Comment (2026-03-30): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-03-26): PFA<br>Reviewer Comment (2026-03-24): The mortgage statement for the primary residence does not reflect the borrower's spouse as an obligor. Underwriter discretion is required, and LLPA is applicable due to the borrower living rent free with someone other than a spouse. Exception Remains<br>Buyer Comment (2026-03-20): Please refer D0283, page no. 23<br>Reviewer Comment (2026-03-19): Rent free letter received however underwriter discretion for Borrower is living rent free is still missing. Exception remains.<br>Buyer Comment (2026-03-17): Please see attached LOE |  |  | 03/30/2026 | 2 C B D | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 865544 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  | Reviewer Comment (2026-03-24): Received CDA. Exception Cleared.<br>Buyer Comment (2026-03-20): PFA | 03/24/2026 |  |  | 1 A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 865549 | xxxxxx | xxxxxx | xxxxxx | 04/22/2026 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of xxxxxx which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx . Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | No evidence of application date located in file. |  | Reviewer Comment (2026-04-27): Initial application received.<br>Buyer Comment (2026-04-23): PFA | 04/27/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | B | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865551 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  | Reviewer Comment (2026-04-22): xxxxxx lender testing ATR<br>Buyer Comment (2026-04-22): xxxxxx lender testing ATR. |  |  | 04/22/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865551 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | 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 Review Fee. Fee Amount of $247.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. (75104) | 0% tolerance was exceeded by $97 due to Appraisal Review Fee. A specific credit of $97 has been provided as cure at closing. |  | Reviewer Comment (2026-04-20): Sufficient Cure Provided At Closing |  | 04/20/2026 |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | A | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865552 | xxxxxx | xxxxxx | xxxxxx | 04/13/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-17): xxxxxx lender testing ATR<br>Buyer Comment (2026-04-15): xxxxxx lender testing ATR. |  |  | 04/17/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865552 | xxxxxx | xxxxxx | xxxxxx | 04/13/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx |  | Reviewer Comment (2026-04-24): SitusAMC received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2026-04-23): Please see attached<br>Reviewer Comment (2026-04-21): Missing LOX to borrower for the corrected CD.<br>Buyer Comment (2026-04-21): Please see attached PCCD<br>Reviewer Comment (2026-04-16): Situsamc Final Closing Disclosure did not designate a reason on Page 4 " Escrow Account - Will Not Have an Escrow Account Because" - reason was missing and not marked as "declined" or "lender does not offer". Letter of Explanation and Corrected CD required to cure.<br>Buyer Comment (2026-04-15): xxxxxx team<br> Please see D0465 page one here not mentioned Escrow account |  | 04/24/2026 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865552 | xxxxxx | xxxxxx | xxxxxx | 04/13/2026 | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Credit report is missing FICO scores. | Credit Report: Original // Borrower: xxxxxx | Lender approved exception for Borrower xxxxxx not having any credit history or FICO. She is on the bank statements used for qualifying and is included on the 1003 for that purpose. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | Reviewer Comment (2026-04-20): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-04-17): exception |  |  | 04/20/2026 | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865552 | xxxxxx | xxxxxx | xxxxxx | 04/13/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide a letter of explanation for Borrower xxxxxx living rent-free with spouse. |  | Reviewer Comment (2026-04-21): Received letter of explanation for living rent free with spouse. Exception cleared.<br>Buyer Comment (2026-04-17): rent free loe | 04/21/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865552 | xxxxxx | xxxxxx | xxxxxx | 04/13/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The VOR for Borrower xxxxxx verified 12 months' primary rental history for the primary residence, but did not disclose the party to whom the rent is paid. If renting from a management company, please provide either a fully executed verification of rent or most recent lease agreement, along with a payment history ledger from management company, canceled checks (front and back), or bank statements showing account ownership and payments debited by the management company. If renting from a private landlord, please provide lease agreement for the address covering the most recent 12-month period, along with verification of timely payments made (either by canceled checks (front and back), or bank statements showing ownership and payments debited by the landlord. |  | Reviewer Comment (2026-04-21): VOR from management company and evidence of the mgt company.<br>Buyer Comment (2026-04-17): VOR was sent to xxxxxx xxxxxx per VOR; Per xxxxxx | 04/21/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865553 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial 1003 is missing. |  | Reviewer Comment (2026-04-20): Credit application.<br>Buyer Comment (2026-04-16): Please see attached | 04/20/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Purchase | B A | B | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865554 | xxxxxx | xxxxxx | xxxxxx | 04/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-20): xxxxxx lender testing ATR | 04/20/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865555 | xxxxxx | xxxxxx | xxxxxx | 03/25/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent agreement is missing in the file. |  | Reviewer Comment (2026-04-02): E-sign Consent Agreement received and verified. Exception cleared.<br>Buyer Comment (2026-03-31): please see attached e-sign consent | 04/02/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865555 | xxxxxx | xxxxxx | xxxxxx | 03/25/2026 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  | Reviewer Comment (2026-04-22): Client elects to waive.<br>Buyer Comment (2026-04-20): Please waive.<br>Reviewer Comment (2026-04-02): Exception Remains, as the only signed copy we have is dated xxxxxx and does not meet timing requirements.<br>Buyer Comment (2026-03-31): please see attached e-sign consent<br>Reviewer Comment (2026-03-30): The document provided is dated xxxxxx . This is a day later than original document provided.<br>Buyer Comment (2026-03-26): Please see attached |  |  | 04/22/2026 | 2 B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865555 | xxxxxx | xxxxxx | xxxxxx | 03/25/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-24): xxxxxx lender testing ATR. |  |  | 03/24/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865556 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | xxxxxx Bank Originated Loan submitted as Non Exempt. |  | Reviewer Comment (2026-04-14): xxxxxx lender testing ATR |  |  | 04/14/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865556 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $9,885.65 may be required. | Loan Estimate is not provided. |  | Reviewer Comment (2026-04-16): SitusAMC received initial LE dated xxxxxx .<br>Buyer Comment (2026-04-15): PFA | 04/16/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865556 | xxxxxx | xxxxxx | xxxxxx | 04/14/2026 | 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 Title - Settlement / Closing / Escrow Fee. Fee Amount of $595.50 exceeds tolerance of $595.00. $0.50 over legal limit. Insufficient or no cure was provided to the borrower. (77169) | Title - Settlement / Closing / Escrow Fee increased from $595.00 to $595.50, an increase of $0.50, without a valid changed circumstance document in file. No cure provided. |  | Reviewer Comment (2026-04-16): SitusAMC received initial LE dated xxxxxx and the fees are within tolerance requirement.<br>Buyer Comment (2026-04-15): LE uploaded re-review this condition we do not require in LE Title - Settlement / Closing / Escrow Fee $1480 | 04/16/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865559 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final xxxxxx) |  |  | Reviewer Comment (2026-04-20): xxxxxx lender testing ATR | 04/20/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | C | A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 865559 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | State Compliance | State Defect | xxxxxx SB 1894 | xxxxxx Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  | Reviewer Comment (2026-05-06): Received xxxxxx Program (SB 1894) - Certificate of Compliance or Exemption. Exception Cleared.<br>Buyer Comment (2026-05-04): pls see | 05/06/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865559 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2026-04-27): E-Sign Consent Agreement document received and verified. Exception cleared.<br>Buyer Comment (2026-04-23): Please find attached E-sign | 04/27/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865559 | xxxxxx | xxxxxx | xxxxxx | 04/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-04-28): xxxxxx lender testing ATR.<br>Buyer Comment (2026-04-27): Please waive. |  |  | 04/28/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 865561 | xxxxxx | xxxxxx | xxxxxx | 04/16/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | Borrower lives rent free with spouse. Please provide a mortgage statement, or property report verifying the primary residence is owned free & clear with taxes paid current. |  | Reviewer Comment (2026-04-30): Property history report provided verifying no ownership of the primary residence. Only the spouse listed as owner. Rent free letter in file.<br>Buyer Comment (2026-04-28): Property profile reports the mtg is in the spouse name only | 04/30/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865567 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Provide a 12 month pay history for the primary residence. Address on the xxxxxx mortgage statement does not match the address listed on the credit application. |  | Reviewer Comment (2026-04-28): Received credit supplement showing recent pay history along with property profile to verify property address and account number. Exception cleared.<br>Buyer Comment (2026-04-27): property profile<br>Buyer Comment (2026-04-27): xxxxxx is a secured credit line- per credit supplement no payment due at this time. | 04/28/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865567 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | LTV is capped at 75% with a DSCR below 1.0. |  | Reviewer Comment (2026-04-28): Received proof of 2 months rent and DSC is above 1 to allow 80% LTV. Exception cleared.<br>Buyer Comment (2026-04-24): two months rent<br>Buyer Comment (2026-04-24): lease | 04/28/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865568 | xxxxxx | xxxxxx | xxxxxx | 04/22/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $2,823,424.37 is greater than Guideline total cash-out of $1,000,000.00. | HUD-1 total cash-out of $2,823,424.37 is greater than Guideline and not meeting the requirement. The lender exception has been requested and approved for the cash-out amount, per xxxxxx guideline update coming up march 16th and will allow cash-out. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reviewer Comment (2026-04-21): Waived with compensating factors per lender exception approval at origination. |  |  | 04/21/2026 | 2 B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865571 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient by xxxxxx. |  | Reviewer Comment (2026-05-04): Received replacement cost estimator with estimated replacement cost of $xxxxxx. Exception cleared.<br>Buyer Comment (2026-04-30): Please see RCE attached. xxxxxx. | 05/04/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865574 | xxxxxx | xxxxxx | xxxxxx | 04/23/2026 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient by xxxxxx. |  | Reviewer Comment (2026-05-01): Replacement cost estimator is available in file. Verified and updated details. Exception Cleared.<br>Buyer Comment (2026-04-29): Coverage reflects Loss Settlement Basis: Replacement Cost. This reflects sufficient coverage. | 05/01/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865575 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Please provide the final Closing Statement fully executed by all parties or stamped true and certified. The copy in the file is an estimate. |  | Reviewer Comment (2026-05-06): Received Final Closing statement. Exception Cleared.<br>Buyer Comment (2026-05-04): Please find attached. | 05/06/2026 |  |  | 1 D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865575 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | The mortgage statement for the primary residence was not provided. |  | Reviewer Comment (2026-04-29): Received Property History report for the primary residence. Exception Cleared.<br>Buyer Comment (2026-04-27): PFA documents. | 04/29/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 865575 | xxxxxx | xxxxxx | xxxxxx | 04/17/2026 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | LTV of 80% exceeds the maximum allowed for DSCR at .75. |  | Reviewer Comment (2026-04-29): Lender provided correct 3/2026 matrix which allows 80% LTV. Exception Cleared.<br>Buyer Comment (2026-04-27): PFA document. | 04/29/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/11/2026 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - With Waiver) | xxxxxx Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing with waiver. | Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing with waiver. |  | Reviewer Comment (2026-04-15): Borrower signed acknowledgement in file of fees received 1 day prior to closing.<br>Reviewer Comment (2026-04-07): The CD provided reflects an issue date of xxxxxx ; however, it is signed by borrower on xxxxxx . Lender to provide explanation on how borrower executed a document prior to it being issued.<br>Buyer Comment (2026-04-06): Please see attached xxxxxx CD<br>Reviewer Comment (2026-04-03): Received email explanation; however, statute requires a final, itemized disclosure of all fees be provided to borrower at least one business day prior to closing. It does not contain language stating if it is a betterment to the borrower it is not required.<br>Buyer Comment (2026-04-02): Please see attached email with an explanation. | 04/15/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | 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. C B A | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/11/2026 | 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 xxxxxx Guaranty Fee. Fee Amount of $2.00 exceeds tolerance of $0.00. $2.00 over legal limit. Insufficient or no cure was provided to the borrower. (77222) | xxxxxx Guaranty Fee. Fee Amount of $2.00 exceeds tolerance of $0.00. $2.00. with no valid change of circumstances and no cure was provided to borrower, as it was not listed on the initial LE. |  | Reviewer Comment (2026-04-10): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-04-09): Please see attached refund documents |  | 04/10/2026 |  | 2 C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/11/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title shows owner of the property to be a xxxxxx. If the borrower is the owner of the business and closed the loan in his personal name, a quit claim deed signed at closing transferring ownership is required. |  | Reviewer Comment (2026-04-03): Received executed deed transferring property into our borrower name.<br>Buyer Comment (2026-04-02): Please see attached Warranty Deed that was executed xxxxxx<br>Reviewer Comment (2026-03-25): The property is transferring from xxxxxx to xxxxxx as per provided warranty deed, whereas Security Instrument is reflecting Borrower is xxxxxx a married man, joined by spouse, xxxxxx Warranty deed for transferring the property from business entity to individuals is required. Exception remains.<br>Buyer Comment (2026-03-24): Please see warranty deed attached. xxxxxx.<br>Buyer Comment (2026-03-23): Please see attached. | 04/03/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/11/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | CPA letter is missing attestation that they are not affiliated with the borrower or their business. |  | Reviewer Comment (2026-03-20): Received revised CPA Letter. Exception Cleared.<br>Buyer Comment (2026-03-18): Tax Professional letter. xxxxxx. | 03/20/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/11/2026 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | CPA letter is missing attestation that they are not affiliated with the borrower or their business. |  | Reviewer Comment (2026-03-20): Received revised CPA Letter. Exception Cleared.<br>Buyer Comment (2026-03-18): Tax Professional loe. xxxxxx. | 03/20/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-03-19): xxxxxx lender testing ATR. |  |  | 03/19/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing CPA attestation of no affiliation. |  | Reviewer Comment (2026-04-03): Received CPA attestation of no affiliation with borrower or business. | 04/03/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | 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. | Due to missing CPA attestation of no affiliation. |  | Reviewer Comment (2026-04-03): Received CPA attestation of no affiliation with borrower or business. | 04/03/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 03/19/2026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Due to missing CPA attestation of no affiliation. |  | Reviewer Comment (2026-03-20): Received revised CPA Letter. Exception Cleared. | 03/20/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx | 04/15/2026 | Compliance | Compliance | State Compliance | Misc. State Level | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (T-42 Endorsement Not Obtained) | xxxxxx Constitution Section 50(a)(6): Acceptable xxxxxx title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the xxxxxx T-42 endorsement or the T-42.1 endorsement. (The loan is a xxxxxx Section 50 (a)(6) home equity loan.) |  |  | Reviewer Comment (2026-04-15): Waived per lender direction. |  |  | 04/15/2026 | 2 B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866823 | xxxxxx | xxxxxx | xxxxxx | 05/04/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-05-04): xxxxxx lender testing ATR |  |  | 05/04/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866833 | xxxxxx | xxxxxx | xxxxxx | 05/05/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-05-06): xxxxxx lender testing ATR<br>Buyer Comment (2026-05-05): xxxxxx lender testing ATR. |  |  | 05/06/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866833 | xxxxxx | xxxxxx | xxxxxx | 05/05/2026 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing evidence of the xxxxxx mortgage payments for the 1st mortgage and evidence of the xxxxxx payment for the 2nd mortgage. |  | Reviewer Comment (2026-05-19): Evidence of xxxxxx payments received.<br>Buyer Comment (2026-05-15): Please see attached<br>Reviewer Comment (2026-05-14): Received evidence of xxxxxx payment on second mortgage. Still pending evidence of the xxxxxx mortgage payments on the first mortgage.<br>Buyer Comment (2026-05-12): Please see attached | 05/19/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866857 | xxxxxx | xxxxxx | xxxxxx | 05/05/2026 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial 1003 is missing in the file. |  | Reviewer Comment (2026-05-08): Received Initial 1003-lender's document. information validated. Exception Cleared.<br>Buyer Comment (2026-05-06): please see attached. | 05/08/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | B A | B | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866861 | xxxxxx | xxxxxx | xxxxxx | 05/08/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-05-13): xxxxxx lender testing ATR<br>Buyer Comment (2026-05-11): xxxxxx lender testing ATR |  |  | 05/13/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866861 | xxxxxx | xxxxxx | xxxxxx | 05/13/2026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Prior to current primary residence, borrower resided rent free. File is missing the required underwriter discretion. |  | Reviewer Comment (2026-05-13): Updated 1008 received in trailing documents containing required UW discretion. | 05/13/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866862 | xxxxxx | xxxxxx | xxxxxx | 05/11/2026 | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. |  | Provide OFAC for the borrowing trust. |  | Reviewer Comment (2026-05-14): OFAC received<br>Buyer Comment (2026-05-12): PFA | 05/14/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 866880 | xxxxxx | xxxxxx | xxxxxx | 05/18/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-05-15): xxxxxx lender testing ATR. |  |  | 05/15/2026 | 2 A | xxxxxx | xxxxxx | Second Home | Purchase | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866888 | xxxxxx | xxxxxx | xxxxxx | 05/15/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-05-14): xxxxxx lender testing ATR. |  |  | 05/14/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866893 | xxxxxx | xxxxxx | xxxxxx | 05/15/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-05-15): xxxxxx lender testing ATR. |  |  | 05/15/2026 | 2 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866893 | xxxxxx | xxxxxx | xxxxxx | 05/15/2026 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  | Reviewer Comment (2026-05-20): E-sign consent.<br>Buyer Comment (2026-05-18): PFA | 05/20/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866904 | xxxxxx | xxxxxx | xxxxxx | 05/18/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-05-15): xxxxxx lender testing ATR. |  |  | 05/15/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866904 | xxxxxx | xxxxxx | xxxxxx | 05/18/2026 | 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 xxxxxx are underdisclosed. (Final xxxxxx) |  |  | Reviewer Comment (2026-05-20): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2026-05-19): Please see attached |  | 05/20/2026 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 866941 | xxxxxx | xxxxxx | xxxxxx | 05/11/2026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. |  | Reviewer Comment (2026-05-18): Situsamc Received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2026-05-14): Please find attached the LOE & PCCD. |  | 05/18/2026 |  | 2 C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 866941 | xxxxxx | xxxxxx | xxxxxx | 05/11/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured or cleared. |  | Reviewer Comment (2026-05-14): xxxxxx lender testing ATR<br>Buyer Comment (2026-05-12): xxxxxx lender testing ATR. |  |  | 05/14/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 866957 | xxxxxx | xxxxxx | xxxxxx | 05/05/2026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  | Reviewer Comment (2026-05-07): PPP addendum received in trailing documents.<br>Buyer Comment (2026-05-07): PPP addendum attached. | 05/07/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | Yes | Property Focused |
| xxxxxx | 866958 | xxxxxx | xxxxxx | xxxxxx | 05/04/2026 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Preliminary; <br> State: xxxxxx |  |  | Reviewer Comment (2026-05-08): Received Final Title Policy with correct amount. Exception cleared.<br>Buyer Comment (2026-05-06): Final Title Policy is attached | 05/08/2026 |  |  | 1 B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 866958 | xxxxxx | xxxxxx | xxxxxx | 05/04/2026 | 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 (2026-05-08): Received Final Title Policy with correct amount. Exception cleared. | 05/08/2026 |  |  | 1 A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 866958 | xxxxxx | xxxxxx | xxxxxx | 05/04/2026 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2026-05-08): Received Fraud Report. Exception cleared.<br>Buyer Comment (2026-05-06): See attached | 05/08/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 866958 | xxxxxx | xxxxxx | xxxxxx | 05/04/2026 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  | Reviewer Comment (2026-05-08): Received Fraud Report. Exception cleared. | 05/08/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 866958 | xxxxxx | xxxxxx | xxxxxx | 05/04/2026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing Fraud Report for both borrowers. |  | Reviewer Comment (2026-05-08): Received Fraud Report. Exception cleared. | 05/08/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 867261 | xxxxxx | xxxxxx | xxxxxx | 05/20/2026 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | No evidence of fraud report in file. |  | Reviewer Comment (2026-05-27): Received fraud report. Exception Cleared.<br>Buyer Comment (2026-05-22): Please find clear xxxxxx report attached. xxxxxx. | 05/27/2026 |  |  | 1 C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 867261 | xxxxxx | xxxxxx | xxxxxx | 05/20/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan designation failed due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured or cleared. |  | Reviewer Comment (2026-05-22): xxxxxx lender testing ATR<br>Buyer Comment (2026-05-21): Please waive. |  |  | 05/22/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 867814 | xxxxxx | xxxxxx | xxxxxx | 05/22/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-05-22): xxxxxx lender testing ATR |  |  | 05/22/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 867815 | xxxxxx | xxxxxx | xxxxxx | 05/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-05-21): xxxxxx lender testing ATR. |  |  | 05/21/2026 | 2 A | xxxxxx | xxxxxx | Primary | Purchase | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 867816 | xxxxxx | xxxxxx | xxxxxx | 05/21/2026 | Compliance | Compliance | Federal Compliance | ATR/QM | xxxxxx Bank Originated Loan submitted as Non Exempt | Loan exempt from xxxxxx xxxxxx submitted with a loan originator designation of other than ATR Exempt. xxxxxx xxxxxx testing performed to determine if an exempt loan would otherwise meet xxxxxx xxxxxx criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  | Reviewer Comment (2026-05-21): xxxxxx lender testing ATR. |  |  | 05/21/2026 | 2 A | xxxxxx | xxxxxx | Second Home | Purchase | A | A | A | Non QM | Exempt from ATR | No | Mortgagor Focused |

---

## Exhibit 99.4

**EXHIBIT 99.4**

**AMC Rating Agency Grades**

![](tm2619057d1_situslogo.jpg)

**Rating Agency Grades**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Scope** |
| xxxxxx | 841663 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 843514 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A B | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 844854 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 848890 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 849684 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 850434 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 850502 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 851541 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 851862 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 852402 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 856499 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857607 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 857618 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 860983 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 861965 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 862020 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 862649 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 862651 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 863618 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 863680 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 864016 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 864028 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 864039 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 864366 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 864401 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 864435 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 864721 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 864727 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 864881 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865307 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865393 | xxxxxx | xxxxxx | xxxxxx B | A | A | A | A | A B | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865394 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865395 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865396 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865399 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865400 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A B | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 865404 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865408 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865409 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 865410 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865411 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865413 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865414 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A B | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865415 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 865416 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865417 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865418 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865419 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 865424 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865426 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865427 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865428 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865430 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865432 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865433 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865434 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865436 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865437 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865440 | xxxxxx | xxxxxx | xxxxxx C | D | D | D | D | D A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865441 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865442 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865443 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865444 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 865445 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865446 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 865449 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865450 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865452 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865453 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865454 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865455 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865456 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865457 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A B | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 865458 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 865459 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A C D | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865460 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865461 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865462 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | D A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865464 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865465 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865466 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865467 | xxxxxx | xxxxxx | xxxxxx B | A | A | A | A | A B | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 865468 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865469 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 865472 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A D | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865475 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865477 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865478 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865479 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865480 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865481 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865482 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865483 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 865484 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A C | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 865485 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865486 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865489 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865490 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A B | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865491 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865492 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865493 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865494 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865495 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 865497 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865498 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865499 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865500 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 865502 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865504 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865507 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865508 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865509 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 865510 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865511 | xxxxxx | xxxxxx | xxxxxx C D | D | D | D | D | D A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865512 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865516 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865519 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A C D | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865521 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A B | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 865523 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865525 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865526 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865527 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865528 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865530 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865532 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865533 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 865536 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865537 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865540 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865541 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 865543 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865544 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 865546 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865549 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865550 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865551 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865552 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A B | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 865553 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865554 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865555 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B A C | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 865556 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865557 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865559 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865560 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 865561 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865566 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865567 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865568 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B | Property Focused |
| xxxxxx | 865569 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865571 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865573 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865574 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865575 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865578 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865580 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865582 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865583 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865584 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 865688 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 866636 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C A | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 866814 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 866822 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 866823 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 866829 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 866833 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 866834 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 866836 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 866857 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 866861 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 866862 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 866880 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 866884 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 866888 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 866893 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 866904 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 866929 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 866941 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C A | B | B | B | B | B A | Mortgagor Focused |
| xxxxxx | 866953 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 866955 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 866956 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 866957 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | Property Focused |
| xxxxxx | 866958 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 867261 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 867774 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 867782 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 867814 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 867815 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 867816 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |

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## Exhibit 99.5

**EXHIBIT 99.5**

**AMC QM-ATR Diligence Report**

![](tm2619057d1_situslogo.jpg)

**ATR/QM Report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Borrower Name** | **Originator QM Loan Designation** | **Originator Restated QM Loan Designation** | **Due Diligence Loan Designation** | **Application Date** |
| xxxxxx | 841663 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843514 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844854 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848890 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 849684 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850434 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 850502 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851541 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 851862 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 852402 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 856499 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857607 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 857618 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 860983 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 861965 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 862020 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 862649 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 862651 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 863618 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 863680 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 864016 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 864028 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 864039 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 864366 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 864401 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 864435 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 864721 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 864727 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 864881 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865307 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865393 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865394 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865395 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865396 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865399 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865400 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865402 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865404 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865408 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865409 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865410 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865411 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865413 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865414 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865415 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865416 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865417 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865418 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865419 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865424 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865425 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865426 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865427 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865428 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865430 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865432 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865433 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865434 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865436 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865437 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865440 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865441 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865442 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865443 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865444 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865445 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865446 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865449 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865450 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865452 | xxxxxx | xxxxxx | Non QM |  | N/A | xxxxxx |
| xxxxxx | 865453 | xxxxxx | xxxxxx | Non QM |  | N/A | xxxxxx |
| xxxxxx | 865454 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 865455 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865456 | xxxxxx | xxxxxx | Non QM |  | N/A | xxxxxx |
| xxxxxx | 865457 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865458 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865459 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865460 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865461 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865462 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865464 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865465 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865466 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865467 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865468 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865469 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865472 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865475 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865477 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865478 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865479 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865480 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865481 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865482 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865483 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865484 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865485 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865486 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865489 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865490 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865491 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865492 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865493 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865494 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865495 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865497 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865498 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865499 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865500 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865501 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865502 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865504 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865507 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 865508 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865509 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 865510 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865511 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865512 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865513 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865514 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865516 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865519 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865521 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865523 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865525 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865526 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865527 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865528 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865530 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865532 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865533 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865536 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865537 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865540 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865541 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865543 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865544 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865546 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865549 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865550 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865551 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865552 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865553 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865554 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865555 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865556 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865557 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865559 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865560 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 865561 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865566 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865567 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865568 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865569 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865571 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865573 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865574 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865575 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865578 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865580 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865582 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865583 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865584 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 865688 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 866636 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 866809 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866814 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866822 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866823 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866829 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866833 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866834 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866836 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866857 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866861 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866862 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 866880 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866884 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866888 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866893 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866904 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866929 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866941 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 866953 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 866955 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 866956 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 866957 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 866958 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 867261 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 867774 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 867782 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 867814 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 867815 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |
| xxxxxx | 867816 | xxxxxx | xxxxxx | Non QM |  | Exempt from ATR | xxxxxx |

---

## Exhibit 99.6

**EXHIBIT 99.6**

**AMC Valuation report**

![](tm2619057d1_situslogo.jpg)

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License 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 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** | **Scope** |
| xxxxxx | 841663 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 06/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/11/2025 | 06/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 | Property Focused |
| xxxxxx | 843514 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/01/2025 | 04/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 | Mortgagor Focused |
| xxxxxx | 844854 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/17/2025 | 08/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 848890 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/07/2025 | 09/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/07/2025 | 09/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 849684 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/03/2025 | 09/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/10/2025 | 09/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850434 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 09/30/2025 | 09/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/08/2025 | 09/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 850502 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/15/2025 | 10/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 851541 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 09/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 851862 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 11/02/2025 | 09/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/26/2025 | 09/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 852402 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/27/2025 | 09/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 11/19/2025 | 09/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 | Property Focused |
| xxxxxx | 856499 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 10/07/2025 | 09/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/09/2025 | 09/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 857607 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/09/2025 | 12/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 857618 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/10/2025 | 11/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 860983 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/24/2026 | 02/23/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/26/2026 | 02/23/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 861965 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/03/2026 | 02/09/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/03/2026 | 02/09/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 862020 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/12/2026 | 03/06/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/12/2026 | 03/06/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 862649 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/27/2026 | 02/05/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/27/2026 | 02/05/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 862651 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/16/2026 | 02/06/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/16/2026 | 02/06/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 863618 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/23/2026 | 03/18/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/24/2026 | 03/18/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 863680 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/10/2026 | 02/06/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -3.580% | 03/25/2026 | 02/06/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 864016 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/24/2026 | 03/20/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -4.260% | 03/26/2026 | 03/20/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 864028 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/26/2026 | 01/30/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/02/2026 | 01/30/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 864039 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/28/2026 | 04/02/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -7.060% | 04/14/2026 | 04/02/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 864366 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/13/2026 | 02/25/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/08/2026 | 02/25/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 864401 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/11/2026 | 02/10/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/02/2026 | 02/10/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 864435 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/10/2026 | 03/19/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/07/2026 | 03/19/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 864721 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/01/2026 | 04/01/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -7.800% | 05/01/2026 | 04/01/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 864727 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/06/2026 | 03/23/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/20/2026 | 03/23/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 864881 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/26/2026 | 02/17/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/23/2026 | 02/17/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 865307 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/22/2026 | 03/19/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/26/2026 | 03/19/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 865393 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/10/2026 | 02/26/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11.120% | 03/19/2026 | 03/17/2026 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -25.370% | xxxxxx High | 03/13/2026 | 02/26/2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 | Mortgagor Focused |
| xxxxxx | 865394 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/27/2026 | 01/28/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/26/2026 | 01/28/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.30 | Mortgagor Focused |
| xxxxxx | 865395 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/19/2026 | 02/16/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/06/2026 | 02/16/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 | Property Focused |
| xxxxxx | 865396 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/03/2026 | 02/18/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/20/2026 | 02/18/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 865399 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/26/2026 | 01/07/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/14/2026 | 01/07/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 | Property Focused |
| xxxxxx | 865400 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/23/2026 | 02/02/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/03/2026 | 02/02/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 865402 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/05/2026 | 11/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | xxxxxx | -100.000% | 01/26/2026 | 11/16/2025 | Desk Review | xxxxxx |  | Indeterminate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/19/2026 | 11/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 | Mortgagor Focused |
| xxxxxx | 865404 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/19/2026 | 02/18/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865408 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/26/2026 | 02/25/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/17/2026 | 02/25/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 865409 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/17/2026 | 02/13/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865410 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/10/2026 | 03/08/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 865411 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/20/2026 | 02/11/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/22/2026 | 02/11/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 | Property Focused |
| xxxxxx | 865413 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/10/2026 | 02/28/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/09/2026 | 02/28/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 865414 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/10/2026 | 02/09/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 | Mortgagor Focused |
| xxxxxx | 865415 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/20/2026 | 02/17/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/25/2026 | 02/17/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 | Mortgagor Focused |
| xxxxxx | 865416 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/16/2026 | 02/26/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/20/2026 | 02/26/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865417 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/27/2026 | 02/23/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/24/2026 | 02/23/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.40 | Mortgagor Focused |
| xxxxxx | 865418 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/26/2026 | 02/02/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/25/2026 | 02/02/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.20 | Mortgagor Focused |
| xxxxxx | 865419 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/11/2026 | 02/26/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/23/2026 | 02/26/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 | Mortgagor Focused |
| xxxxxx | 865424 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/12/2026 | 01/13/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/10/2026 | 01/13/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 865425 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/12/2026 | 02/22/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/12/2026 | 02/22/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 | Mortgagor Focused |
| xxxxxx | 865426 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/17/2026 | 01/09/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/19/2026 | 01/09/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 | Mortgagor Focused |
| xxxxxx | 865427 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/09/2026 | 02/09/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 865428 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/25/2026 | 02/05/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/24/2026 | 02/05/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 865430 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/13/2026 | 03/12/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865432 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/03/2026 | 01/11/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865433 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/30/2026 | 02/14/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865434 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/06/2026 | 02/26/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/11/2026 | 02/26/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 865436 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/17/2026 | 02/11/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -9.090% | 02/24/2026 | 02/11/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 | Mortgagor Focused |
| xxxxxx | 865437 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/13/2026 | 01/12/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 865440 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/26/2026 | 11/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/04/2026 | 11/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 865441 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/22/2026 | 02/22/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/18/2026 | 02/22/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 | Mortgagor Focused |
| xxxxxx | 865442 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/18/2026 | 03/09/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865443 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/10/2026 | 01/08/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/22/2026 | 01/08/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 865444 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/16/2026 | 03/02/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865445 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/24/2026 | 03/06/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 865446 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/09/2026 | 12/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 865449 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/01/2026 | 03/24/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Property Focused |
| xxxxxx | 865450 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/26/2026 | 11/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/13/2026 | 11/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 | Mortgagor Focused |
| xxxxxx | 865452 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/06/2026 | 01/21/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -5.000% | 02/10/2026 | 01/21/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.30 | Mortgagor Focused |
| xxxxxx | 865453 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/13/2025 | 12/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 865454 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/08/2026 | 01/05/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865455 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/12/2026 | 02/12/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Mortgagor Focused |
| xxxxxx | 865456 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 9.470% | xxxxxx | 01/22/2026 | 01/19/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/11/2026 | 01/19/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 865457 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/26/2026 | 02/24/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865458 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/02/2026 | 01/27/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 865459 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/20/2026 | 12/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Property Focused |
| xxxxxx | 865460 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/13/2026 | 02/07/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 865461 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/01/2026 | 01/20/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865462 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/21/2026 | 01/19/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/30/2026 | 01/19/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Mortgagor Focused |
| xxxxxx | 865464 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/05/2026 | 03/04/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865465 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/27/2026 | 03/20/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/31/2026 | 03/20/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 | Mortgagor Focused |
| xxxxxx | 865466 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/13/2026 | 03/11/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865467 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/24/2026 | 03/04/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Mortgagor Focused |
| xxxxxx | 865468 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/09/2026 | 03/04/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865469 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/24/2026 | 02/23/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 865472 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/27/2026 | 02/11/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865475 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/13/2026 | 02/26/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 865477 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/10/2026 | 03/09/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 865478 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/10/2026 | 03/09/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 865479 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/20/2026 | 02/18/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 | Mortgagor Focused |
| xxxxxx | 865480 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/26/2026 | 02/25/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865481 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/11/2026 | 02/11/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 865482 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/23/2026 | 02/19/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865483 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/16/2026 | 03/06/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 865484 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/27/2026 | 03/02/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865485 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/18/2026 | 03/10/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 865486 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/10/2026 | 02/10/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865489 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/09/2026 | 02/09/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865490 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/30/2026 | 03/19/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865491 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/21/2026 | 03/20/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 865492 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/10/2026 | 03/02/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865493 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/03/2026 | 02/14/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865494 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/03/2026 | 02/24/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/04/2026 | 02/24/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 865495 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/05/2026 | 02/25/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865497 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/09/2026 | 03/03/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865498 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/08/2026 | 03/05/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865499 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/18/2026 | 03/05/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/18/2026 | 03/05/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 865500 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/19/2026 | 03/12/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Mortgagor Focused |
| xxxxxx | 865501 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/01/2026 | 03/20/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 865502 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/17/2026 | 02/26/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 865504 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/24/2026 | 03/11/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 865507 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/19/2026 | 01/15/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 865508 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/09/2026 | 02/24/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/27/2026 | 02/24/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 865509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/03/2026 | 02/02/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865510 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/10/2026 | 02/10/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/02/2026 | 03/02/2026 | Drive By | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 865511 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/29/2026 | 12/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865512 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/25/2026 | 02/20/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 865513 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 12/13/2025 | 12/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865514 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/03/2026 | 02/26/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865516 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/26/2026 | 03/23/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/30/2026 | 03/23/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 | Mortgagor Focused |
| xxxxxx | 865519 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/06/2026 | 03/30/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Mortgagor Focused |
| xxxxxx | 865521 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/06/2026 | 03/25/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/10/2026 | 03/25/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 | Mortgagor Focused |
| xxxxxx | 865523 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/30/2026 | 03/30/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865525 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/03/2026 | 03/31/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 865526 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/20/2026 | 03/16/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 865527 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/23/2026 | 03/03/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/23/2026 | 03/03/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 865528 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/25/2026 | 03/06/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 865530 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/10/2026 | 03/09/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -7.320% | 03/19/2026 | 03/09/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 | Mortgagor Focused |
| xxxxxx | 865532 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/02/2026 | 02/17/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 865533 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/17/2026 | 02/16/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 865536 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/14/2026 | 03/17/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/07/2026 | 03/17/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 865537 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/25/2026 | 03/20/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 865540 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/12/2026 | 03/10/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 | Mortgagor Focused |
| xxxxxx | 865541 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/25/2026 | 03/24/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Mortgagor Focused |
| xxxxxx | 865543 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/27/2026 | 03/25/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Property Focused |
| xxxxxx | 865544 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/20/2026 | 01/19/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 01/30/2026 | 01/19/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 | Property Focused |
| xxxxxx | 865546 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/20/2026 | 03/17/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/25/2026 | 03/17/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 | Mortgagor Focused |
| xxxxxx | 865549 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/07/2026 | 03/31/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865550 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/24/2026 | 03/03/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/31/2026 | 03/03/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 865551 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/31/2026 | 03/20/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/01/2026 | 03/20/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 | Mortgagor Focused |
| xxxxxx | 865552 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/16/2026 | 03/09/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.20 | Mortgagor Focused |
| xxxxxx | 865553 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/23/2026 | 03/16/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865554 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/18/2026 | 03/17/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865555 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/17/2026 | 02/16/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865556 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/25/2026 | 03/17/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/24/2026 | 03/17/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 865557 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/01/2026 | 03/26/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 865559 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/25/2026 | 03/23/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/30/2026 | 03/23/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Mortgagor Focused |
| xxxxxx | 865560 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/26/2026 | 03/19/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 865561 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/27/2026 | 03/25/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/02/2026 | 03/25/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 | Property Focused |
| xxxxxx | 865566 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/01/2026 | 03/13/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 865567 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/26/2026 | 02/20/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 865568 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/13/2026 | 03/27/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 9.900% | 04/13/2026 | 03/18/2026 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 865569 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 01/07/2026 | 12/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 865571 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/30/2026 | 03/11/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/06/2026 | 03/11/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 865573 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/27/2026 | 03/24/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 865574 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/07/2026 | 04/01/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 865575 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/01/2026 | 03/25/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 865578 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/03/2026 | 03/25/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 865580 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/01/2026 | 03/14/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 865582 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/07/2026 | 04/03/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Property Focused |
| xxxxxx | 865583 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/03/2026 | 04/01/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 865584 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/25/2026 | 03/23/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 865688 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/31/2026 | 03/12/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/22/2026 | 03/12/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 866636 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | 0.890% | xxxxxx | 04/08/2026 | 03/24/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/02/2026 | 04/02/2026 | BPO | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 866809 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 02/04/2026 | 01/31/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 866814 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/10/2026 | 03/07/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Mortgagor Focused |
| xxxxxx | 866822 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/16/2026 | 03/13/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/26/2026 | 03/13/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 866823 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/09/2026 | 03/04/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 866829 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/31/2026 | 03/31/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/07/2026 | 03/31/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 866833 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/05/2026 | 03/23/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 866834 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/06/2026 | 04/02/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 | Mortgagor Focused |
| xxxxxx | 866836 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/20/2026 | 04/10/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 866857 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/14/2026 | 04/03/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/17/2026 | 04/03/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 | Mortgagor Focused |
| xxxxxx | 866861 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/06/2026 | 04/03/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 866862 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/20/2026 | 03/30/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/20/2026 | 03/30/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 | Property Focused |
| xxxxxx | 866880 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/14/2026 | 04/10/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/22/2026 | 04/10/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 | Mortgagor Focused |
| xxxxxx | 866884 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/27/2026 | 04/19/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/24/2026 | 04/19/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 866888 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/22/2026 | 04/20/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 866893 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/23/2026 | 04/22/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 866904 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/21/2026 | 03/02/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 866929 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/23/2026 | 04/21/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 866941 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/26/2026 | 04/23/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 866953 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/17/2026 | 03/24/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 866955 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/15/2026 | 04/09/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 866956 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/07/2026 | 04/04/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/20/2026 | 04/04/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 866957 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/31/2026 | 03/30/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/03/2026 | 03/30/2026 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 | Property Focused |
| xxxxxx | 866958 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/12/2026 | 04/10/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 867261 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 04/29/2026 | 04/28/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 867774 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 03/12/2026 | 02/28/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 867782 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/11/2026 | 04/06/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/11/2026 | 04/06/2026 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.00 | Mortgagor Focused |
| xxxxxx | 867814 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/01/2026 | 04/22/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 867815 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/04/2026 | 04/17/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 867816 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | $0.00 | 0.000% | xxxxxx | 05/08/2026 | 04/13/2026 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Mortgagor Focused |

---

## Exhibit 99.7

**EXHIBIT 99.7**

**AMC Supplemental Data**

![](tm2619057d1_situslogo.jpg)

**Supplemental Data**

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **Default Interest Rate** | **Default Interest Accrual Start Days** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** | **Amortization Term Less IO** | **Scope** |
| xxxxxx | 841663 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4195.83 | $4195.83 | 6.625% | No | No |  |  |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $4449.00 | xxxxxx | $370.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/29/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.6 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.83 | 0.35 |  |  |  |  |  |  | 240 | xxxxxx | $36918.25 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 34.09 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 240 | Property Focused |
| xxxxxx | 843514 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1490.00 | $8062.14 | xxxxxx | 6.823% | $7171.48 | $7494.95 | 6.625% | No | No | Employed | Not Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $65955.53 | 1 | xxxxxx | $3486.96 | xxxxxx | $290.58 | xxxxxx | xxxxxx | $558.00 |  | Annually | 13.038% | 12.612% | 13.038% | 04/16/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1490.00 | xxxxxx | 6.690% | $1000.00 | 1.5 | DU |  | ApproveIneligible | No | No | 7.058% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $325519.50 | 23.250% | No | 18 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 22.96 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 844854 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6896.56 | $6896.56 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3243.96 | xxxxxx | $270.33 | xxxxxx |  | $250.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/14/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.23 |  |  |  |  |  |  | 240 | xxxxxx | $879910.27 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 87.45 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 848890 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3002.43 | $3002.43 | 6.400% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $2145.00 | xxxxxx | $178.75 | xxxxxx | xxxxxx | $285.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/08/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.400% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $85317.36 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 67.45 |  |  | Yes | 17.000% |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 849684 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2062.76 | $2062.76 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $2355.96 | xxxxxx | $196.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/05/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.22 | 0.44 |  |  |  |  |  |  |  | xxxxxx | $38.67 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 87.35 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 850434 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8502.45 | $8502.45 | 7.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 4 | xxxxxx | $4491.00 | xxxxxx | $374.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/16/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $3603.64 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.26 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 850502 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2739.38 | $2739.38 | 6.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1417.20 | xxxxxx | $118.10 | xxxxxx |  | $1280.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 10/06/2025 | 796 | 762 | 789 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Foreign Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 17.87 |  |  | Yes | 35.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 851541 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2005.60 | $2005.60 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1190.04 | xxxxxx | $99.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/23/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $30788.76 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.8 |  |  | Yes | 35.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 851862 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3713.80 | $3713.80 | 6.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $974.04 | xxxxxx | $81.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/11/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.94 | 0.51 |  |  |  |  |  |  |  | xxxxxx | $142353.61 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.9 |  |  | Yes | 35.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 852402 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4215.89 | $4215.89 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $333.00 | xxxxxx | $27.75 | xxxxxx |  | $730.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/09/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.4 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 109.14 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | Property Focused |
| xxxxxx | 856499 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1715.09 | $1715.09 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2348.52 | xxxxxx | $195.71 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/10/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 85.48 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 857607 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4625.23 | $4625.23 | 7.624% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $840.96 | xxxxxx | $70.08 | xxxxxx | xxxxxx | $556.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 09/30/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.28 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 122.51 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 857618 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5955.09 | $5955.09 | 6.990% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1952.04 | xxxxxx | $162.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.56 | 1.8 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 116.01 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 23 | 360 | Property Focused |
| xxxxxx | 860983 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1937.32 | $1937.32 | 6.430% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $6617.64 | xxxxxx | $551.47 | xxxxxx | xxxxxx | $130.00 |  | Annually | 0.000% | 0.000% | 0.000% | 02/18/2026 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 1 | 256.68 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.430% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.63 | 0.62 |  |  |  |  |  |  |  | xxxxxx |  |  | Yes |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 24.97 |  |  | Yes | 17.000% |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 861965 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4716.37 | $4716.37 | 6.800% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1224.00 | xxxxxx | $102.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/02/2026 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.800% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  | 240 | xxxxxx | $3878.71 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 15.09 |  |  | Yes | 24.000% |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 862020 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1022.50 | $1022.50 | 6.980% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $711.00 | xxxxxx | $59.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/27/2026 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.980% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx | $8865.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 32.8 |  |  | Yes | 17.000% |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 862649 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1666.99 | $1666.99 | 6.970% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $1302.12 | xxxxxx | $108.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/23/2026 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.970% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 33.44 |  |  | Yes | 17.000% |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 862651 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1849.95 | $1849.95 | 6.970% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $1904.16 | xxxxxx | $158.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/23/2026 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.970% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.7 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 19.92 |  |  | Yes | 17.000% |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 863618 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3326.51 | $3326.51 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $8407.80 | xxxxxx | $700.65 | xxxxxx | xxxxxx | $183.19 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/17/2026 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.82 | 1.22 |  |  |  |  |  |  |  | xxxxxx | $5730.82 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 91.26 |  |  | Yes | 23.000% |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 863680 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4772.08 | $4772.08 | 6.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $4727.04 | xxxxxx | $393.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/19/2026 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  | 240 | xxxxxx | $266839.02 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 35.59 |  |  | Yes | 23.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 864016 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1341.69 | $1341.69 | 8.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1373.28 | xxxxxx | $114.44 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/05/2026 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $71813.42 | 31.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.69 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 864028 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1165.51 | $1165.51 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $753.00 | xxxxxx | $62.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/17/2026 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $3205.21 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 28.85 |  |  | Yes | 23.000% |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 864039 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2379.06 | $2379.06 | 6.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2715.00 | xxxxxx | $226.25 | xxxxxx | xxxxxx | $784.00 |  | Annually | 0.000% | 0.000% | 0.000% | 03/26/2026 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 67 |  |  | Yes | 23.000% | 10 |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 864366 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2212.24 | $2212.24 | 6.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1194.00 | xxxxxx | $99.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/02/2026 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $1189371.64 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 261.83 |  |  | Yes | 23.000% | 10 | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 864401 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2734.01 | $2734.01 | 8.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1651.56 | xxxxxx | $137.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2026 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.26 |  |  |  |  |  |  |  | xxxxxx | $102521.62 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 24.21 |  |  | Yes | 23.000% |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 864435 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2024.52 | $2024.52 | 7.125% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2447.04 | xxxxxx | $203.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | xxxxxx | $429620.18 | 95.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 89.37 |  |  | Yes | 23.000% | 10 | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 864721 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2549.77 | $2549.77 | 7.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $7578.96 | xxxxxx | $631.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/19/2026 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | xxxxxx | $0.04 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 89.04 |  |  | Yes | 23.000% | 0 | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 864727 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4614.82 | $4614.82 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2279.04 | xxxxxx | $189.92 | xxxxxx | xxxxxx | $696.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/03/2026 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 1 | 36.84 | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.77 | 1.29 |  |  |  |  |  |  |  | xxxxxx | $4218.68 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 41 |  |  | Yes | 23.000% | 10 | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 864881 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2772.39 | $2772.39 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2659.20 | xxxxxx | $221.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/27/2026 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $264.61 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 20.82 |  |  | Yes | 23.000% | 10 | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865307 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2032.54 | $2032.54 | 6.875% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $793.44 | xxxxxx | $66.12 | xxxxxx | xxxxxx | $350.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/20/2026 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  |  |  |  |  |  | xxxxxx | $239729.91 | 50.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.26 |  |  | Yes | 23.000% | 10 | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865393 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $28545.00 | $31528.00 | xxxxxx | 7.028% | $6952.97 | $6952.97 | 6.750% | No | No | Non-Employment Income | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $16600.37 | 1 | xxxxxx | $2067.00 | xxxxxx | $172.25 | xxxxxx | xxxxxx | $518.00 |  | Monthly | 40.565% | 40.565% | 40.565% | 02/05/2026 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Other - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $28545.00 | xxxxxx | 6.020% | $0.00 | 4 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $2203858.21 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 196.12 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865394 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $6741.81 | $9328.17 | xxxxxx | 6.829% | $2693.79 | $2693.79 | 6.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $18145.69 | 1 | xxxxxx | $2033.04 | xxxxxx | $169.42 |  |  |  |  |  | 38.699% | 38.699% | 38.699% | 01/20/2026 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6741.81 | xxxxxx | 6.140% | $0.00 | 4.3 |  |  |  | No | No | 6.625% | 0 |  | 0 | 0 | 2 | 3 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $11443.75 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 3.06 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 | Mortgagor Focused |
| xxxxxx | 865395 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1572.60 | $1572.60 | 6.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1681.44 | xxxxxx | $140.12 | xxxxxx | xxxxxx | $615.00 |  | Annually | 0.000% | 0.000% | 0.000% | 02/05/2026 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.6 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $70921.71 | 23.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.79 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865396 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $23394.00 | $21770.85 | xxxxxx | 6.855% | $3433.39 | $3433.39 | 6.500% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $6714.15 | 1 | xxxxxx | $1136.04 | xxxxxx | $94.67 |  |  |  |  |  | 36.472% | 36.472% | 36.472% | 01/17/2026 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 1 | 165.72 | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $23394.00 | xxxxxx | 6.130% | $10000.00 | 2.6 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $86693.88 | 12.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 11.76 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865399 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2021.16 | $2021.16 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1169.04 | xxxxxx | $97.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/17/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $100.00 | 0.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 41.63 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |  | 360 | Property Focused |
| xxxxxx | 865400 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $15400.00 | $5263.61 | xxxxxx | 7.491% | $1500.79 | $1500.79 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $313561.14 | 4 | xxxxxx | $4212.00 | xxxxxx | $351.00 |  |  |  |  |  | 1.681% | 1.681% | 1.681% | 02/05/2026 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $15400.00 | xxxxxx | 6.120% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $3520.17 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 62.16 |  | No | Yes |  |  | xxxxxx | $318921.40 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865402 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $10432.50 | $12145.22 | xxxxxx | 7.857% | $2272.45 | $2272.45 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18088.30 | 1 | xxxxxx | $2238.00 | xxxxxx | $186.50 | xxxxxx | xxxxxx | $525.00 |  | Annually | 39.479% | 39.479% | 39.479% | 03/17/2026 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10432.50 | xxxxxx | 5.980% | $0.00 | 3 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $50529.75 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.93 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865404 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $11095.00 | $4958.92 | xxxxxx | 7.470% | $2762.70 | $2762.70 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8504.37 | 1 | xxxxxx | $7935.96 | xxxxxx | $661.33 | xxxxxx | xxxxxx | $780.00 |  | Annually | 47.832% | 47.832% | 47.832% | 02/05/2026 | 646 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11095.00 | xxxxxx | 5.990% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.95 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 | Mortgagor Focused |
| xxxxxx | 865408 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $45420.00 | $10424.26 | xxxxxx | 6.499% | $4722.70 | $4722.70 | 6.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $82689.29 | 1 | xxxxxx | $2288.04 | xxxxxx | $190.67 |  |  |  |  |  | 12.840% | 12.840% | 12.840% | 02/10/2026 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $45420.00 | xxxxxx | 5.990% | $0.00 | 2.6 |  |  |  | No | No | 6.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $202309.15 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.62 |  | No | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865409 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $13782.50 | $15490.02 | xxxxxx | 7.315% | $2135.02 | $2135.02 | 6.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3353.37 | 1 | xxxxxx | $2976.00 | xxxxxx | $248.00 |  |  |  |  |  | 44.838% | 44.838% | 44.838% | 12/11/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13782.50 | xxxxxx | 6.100% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.67 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865410 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4365.61 | $4365.61 | 6.999% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2679.96 | xxxxxx | $223.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2026 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | xxxxxx | $111825.44 | 12.780% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.71 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 865411 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1349.63 | $1349.63 | 7.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $4589.04 | xxxxxx | $382.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/09/2026 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 1 | 147.72 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.8 |  |  |  | No | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $1400.57 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 86.01 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 865413 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1896.20 | $1896.20 | 6.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $3788.64 | xxxxxx | $315.72 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/10/2026 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 1 | 176.76 | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.76 | 0.57 |  |  |  |  |  |  |  | xxxxxx | $812121.83 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 208.34 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865414 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $4325.00 | $6518.22 | xxxxxx | 6.724% | $1630.74 | $1630.74 | 6.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4494.59 | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx | xxxxxx | $600.00 |  | Monthly | 36.008% | 36.008% | 36.008% | 01/26/2026 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; Transcripts (1040) - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  | xxxxxx | xxxxxx | $4325.00 | xxxxxx | 6.100% | $57000.00 | 1.3 |  |  |  | Yes | No | 6.500% | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $30647.54 | 9.500% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.45 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865415 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $23855.00 | $27353.75 | xxxxxx | 7.809% | $9909.11 | $9909.11 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15059.66 | 1 | xxxxxx | $5745.96 | xxxxxx | $478.83 | xxxxxx | xxxxxx | $1046.00 |  | Annually | 45.988% | 45.988% | 45.988% | 01/26/2026 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  | xxxxxx | xxxxxx | $23855.00 | xxxxxx | 6.140% | $0.00 | 3 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 57.49 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865416 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $18883.16 | $23891.01 | xxxxxx | 7.285% | $4799.67 | $4799.67 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13111.73 | 1 | xxxxxx | $2399.04 | xxxxxx | $199.92 |  |  |  |  |  | 44.833% | 44.833% | 44.833% | 02/03/2026 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $18883.16 | xxxxxx | 5.980% | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1300.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865417 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $8455.00 | $13184.27 | xxxxxx | 7.052% | $2542.50 | $2542.50 | 6.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $8179.16 | 1 | xxxxxx | $4352.16 | xxxxxx | $362.68 | xxxxxx | xxxxxx | $150.00 |  | Monthly | 52.630% | 52.630% | 52.630% | 04/01/2026 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8455.00 | xxxxxx | 6.120% | $10000.00 | 4.4 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 2 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $91303.23 | 18.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 20.66 |  | Yes | No |  |  | xxxxxx | $8633.32 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 | Mortgagor Focused |
| xxxxxx | 865418 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $17098.13 | $19085.11 | xxxxxx | 7.262% | $4806.33 | $4806.33 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17212.18 | 1 | xxxxxx | $2546.04 | xxxxxx | $212.17 |  |  |  |  |  | 24.837% | 24.837% | 24.837% | 01/20/2026 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - No Results Returned - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $17098.13 | xxxxxx | 5.980% | $135000.00 | 3.2 |  |  |  | No | No | 6.999% | 0 |  | 0 | 0 | 3 | 1 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.97 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865419 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $48513.88 | $20463.44 | xxxxxx | 7.334% | $3986.42 | $3986.42 | 6.999% | No | No | Not Employed | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  | $6344.45 | 1 | xxxxxx | $8515.56 | xxxxxx | $709.63 |  |  |  |  |  | 44.995% | 44.995% | 44.995% | 12/10/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $48513.88 | xxxxxx | 6.120% | $0.00 | 2.8 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $149839.84 | 18.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 0 |  |  | Yes |  |  |  | $11534.31 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865424 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5860.08 | $5860.08 | 6.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1977.96 | xxxxxx | $164.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/17/2026 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $340003.02 | 24.460% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 1.54 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865425 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $4745.00 | $5588.44 | xxxxxx | 6.980% | $960.47 | $960.47 | 6.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6065.90 | 1 | xxxxxx | $2582.04 | xxxxxx | $215.17 |  |  |  |  |  | 49.811% | 49.811% | 49.811% | 02/10/2026 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $4745.00 | xxxxxx | 5.980% | $0.00 | 999 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $128749.17 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 94.17 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865426 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $89722.00 | $4517.11 | xxxxxx | 6.896% | $10083.33 | $10083.33 | 6.875% | No | No | Not Employed | Self-Employed | Self-Employed |  | 1.22 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $130173.08 | 1 | xxxxxx | $2415.96 | xxxxxx | $201.33 |  |  |  |  |  | 15.351% | 15.351% | 17.581% | 02/03/2026 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $89722.00 | xxxxxx | 5.980% | $0.00 | 3.1 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $282717.63 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 34.02 |  | No | Yes |  |  | xxxxxx | $153779.12 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 240 | Mortgagor Focused |
| xxxxxx | 865427 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $16865.00 | $18688.00 | xxxxxx | 7.094% | $3424.60 | $3424.60 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7878.06 | 1 | xxxxxx | $2492.04 | xxxxxx | $207.67 |  |  |  |  |  | 36.210% | 36.210% | 36.210% | 01/12/2026 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16865.00 | xxxxxx | 5.980% | $0.00 | 1 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $27072.99 | 4.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.53 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865428 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $15097.50 | $16228.31 | xxxxxx | 7.561% | $3643.50 | $3643.50 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6604.12 | 2 | xxxxxx | $1620.00 | xxxxxx | $135.00 |  |  |  |  |  | 49.425% | 49.425% | 49.425% | 02/02/2026 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $15097.50 | xxxxxx | 6.120% | $6000.00 |  |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $68659.67 | 8.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.53 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865430 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $16557.50 | $21291.19 | xxxxxx | 7.202% | $4138.65 | $4138.65 | 6.875% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $6089.79 | 1 | xxxxxx | $3477.12 | xxxxxx | $289.76 |  |  |  |  |  | 45.275% | 45.275% | 45.275% | 03/05/2026 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2026 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16557.50 | xxxxxx | 6.020% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 2 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $312301.09 | 38.080% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 19.63 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865432 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $78400.00 | $27745.00 | xxxxxx | 6.983% | $7264.30 | $7264.30 | 6.750% | No | No | Not Employed | Self-Employed | Self-Employed |  | 11.57 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $453059.52 | 1 | xxxxxx | $353.04 | xxxxxx | $29.42 | xxxxxx | xxxxxx | $400.00 |  | Monthly | 15.641% | 15.641% | 15.641% | 03/19/2026 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% |  | 45.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $78400.00 | xxxxxx | 6.120% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $542.18 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 76.52 |  | No | Yes |  |  | xxxxxx | $537057.84 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 10 | 360 | Mortgagor Focused |
| xxxxxx | 865433 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $7187.50 | $7709.99 | xxxxxx | 7.286% | $1796.14 | $1796.14 | 6.999% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $2522.32 | 1 | xxxxxx | $1425.96 | xxxxxx | $118.83 |  |  |  |  |  | 49.453% | 49.453% | 49.453% | 01/17/2026 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  | xxxxxx | xxxxxx | $7187.50 | xxxxxx | 6.120% | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 3 | 3 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 11.93 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865434 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $32345.00 | $18431.94 | xxxxxx | 9.369% | $2517.44 | $2517.44 | 8.750% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $241873.51 | 2 | xxxxxx | $4440.00 | xxxxxx | $370.00 |  |  |  |  |  | 10.375% | 10.375% | 10.375% | 04/01/2026 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2014<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2014<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2014 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $32345.00 | xxxxxx | 6.120% | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 15.93 |  | No | Yes |  |  | xxxxxx | $269873.85 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 11 | 360 | Mortgagor Focused |
| xxxxxx | 865436 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $73515.00 | $37717.97 | xxxxxx | 7.323% | $5419.66 | $5419.66 | 6.875% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $43424.16 | 1 | xxxxxx | $2581.08 | xxxxxx | $215.09 |  |  |  |  |  | 24.698% | 24.698% | 24.698% | 01/02/2026 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2026 |  | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $73515.00 | xxxxxx | 6.100% | $0.00 | 3.1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $10365980.33 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1480.8 |  | No | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 | Mortgagor Focused |
| xxxxxx | 865437 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4649.78 | $4649.78 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1008.96 | xxxxxx | $84.08 | xxxxxx | xxxxxx | $1120.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 01/20/2026 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.13 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 6 | 360 | Property Focused |
| xxxxxx | 865440 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $48815.00 | $19350.37 | xxxxxx | 7.245% | $4496.99 | $4496.99 | 6.999% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $48064.76 | 1 | xxxxxx | $2918.04 | xxxxxx | $243.17 | xxxxxx |  | $28.00 |  | Monthly | 24.422% | 24.422% | 24.422% | 01/23/2026 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $48815.00 | xxxxxx | 6.100% | $0.00 | 1.2 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $166998.88 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 40.68 |  | No | Yes |  |  | xxxxxx | $63596.35 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 | Mortgagor Focused |
| xxxxxx | 865441 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $10907.51 | $17423.04 | xxxxxx | 6.542% | $5591.43 | $5591.43 | 6.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11569.51 | 1 | xxxxxx | $1335.00 | xxxxxx | $111.25 | xxxxxx | xxxxxx | $525.00 |  | Monthly | 49.515% | 49.515% | 49.515% | 02/16/2026 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10907.51 | xxxxxx | 6.020% | $0.00 | 3 |  |  |  | N/A | No | 6.375% | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $394725.81 | 33.030% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individually and as xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | Individually and as xxxxxx | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.79 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865442 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $19324.30 | $9193.84 | xxxxxx | 7.085% | $4590.12 | $4590.12 | 6.999% | No | No | Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5166.87 | 1 | xxxxxx | $2046.96 | xxxxxx | $170.58 |  |  |  |  |  | 49.444% | 49.444% | 49.444% | 02/09/2026 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19324.30 | xxxxxx | 5.980% | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 3 | 0 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $39465.57 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 7.81 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865443 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $81575.00 | $28540.94 | xxxxxx | 6.983% | $7491.31 | $7491.31 | 6.750% | No | No | Not Employed | Self-Employed | Self-Employed |  | 11.57 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $437898.44 | 1 | xxxxxx | $353.04 | xxxxxx | $29.42 | xxxxxx | xxxxxx | $286.86 |  | Monthly | 18.464% | 18.464% | 18.464% | 03/19/2026 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% |  | 45.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 45.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $81575.00 | xxxxxx | 6.120% | $0.00 | 2.6 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 80.54 |  | No | Yes |  |  | xxxxxx | $537057.84 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 11 | 360 | Mortgagor Focused |
| xxxxxx | 865444 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $19796.25 | $7221.74 | xxxxxx | 6.890% | $1704.83 | $1704.83 | 6.625% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $23496.28 | 1 | xxxxxx | $516.00 | xxxxxx | $43.00 | xxxxxx | xxxxxx | $495.00 |  | Monthly | 40.149% | 40.149% | 40.149% | 02/20/2026 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19796.25 | xxxxxx | 5.980% | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 1 |  | 1 | 0 | 0 | 1 |  |  | 13.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $34492.33 | 9.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 17.91 |  | No | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 | Mortgagor Focused |
| xxxxxx | 865445 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2651.45 | $2651.45 | 6.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1848.00 | xxxxxx | $154.00 | xxxxxx | xxxxxx | $1695.00 |  | Annually | 0.000% | 0.000% | 0.000% | 01/28/2026 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.02 | 0.49 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 35.82 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865446 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $7375.92 | $8896.18 | xxxxxx | 8.744% | $1826.07 | $1826.07 | 8.375% | No | Yes | Not Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9676.06 | 1 | xxxxxx | $3215.28 | xxxxxx | $267.94 |  |  |  |  |  | 27.807% | 27.807% | 27.807% | 03/26/2026 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7375.92 | xxxxxx | 6.220% | $0.00 | 1 |  |  |  | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $16574.32 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 6.22 |  | No | No |  |  | xxxxxx | $13403.12 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865449 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1055.70 | $1055.70 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2358.96 | xxxxxx | $196.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2026 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 0.07 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865450 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $48772.00 | $19117.93 | xxxxxx | 7.248% | $4390.55 | $4390.55 | 6.999% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $44794.08 | 1 | xxxxxx | $2918.04 | xxxxxx | $243.17 | xxxxxx |  | $28.00 |  | Monthly | 29.580% | 29.580% | 29.580% | 01/23/2026 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2013 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $48772.00 | xxxxxx | 5.980% | $0.00 | 4.3 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $126566.14 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 31.58 |  | No | Yes |  |  | xxxxxx | $63609.45 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 | Mortgagor Focused |
| xxxxxx | 865452 | xxxxxx | N/A |  |  | xxxxxx | No | No | $38768.00 | $14827.75 | xxxxxx | 6.754% | $3362.60 | $3362.60 | 6.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $969678.85 | 1 | xxxxxx | $1776.00 | xxxxxx | $148.00 |  |  |  |  |  | 2.016% | 2.016% | 2.016% | 01/14/2026 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $38768.00 | xxxxxx | 6.100% | $0.00 | 3.3 |  |  |  | No | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $510857.90 | 76.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 115.83 | Retail | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 | Mortgagor Focused |
| xxxxxx | 865453 | xxxxxx | N/A |  |  | xxxxxx | No | No | $21943.13 | $9959.79 | xxxxxx | 7.120% | $1678.25 | $1678.25 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $24624.62 | 1 | xxxxxx | $1335.00 | xxxxxx | $111.25 |  |  |  |  |  | 15.943% | 15.943% | 15.943% | 01/05/2026 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $21943.13 | xxxxxx | 6.130% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $12682.33 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 75.43 | Retail | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865454 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7078.00 | $7700.62 | xxxxxx | 7.515% | $997.85 | $997.85 | 6.999% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $3858.62 | 1 | xxxxxx | $1712.04 | xxxxxx | $142.67 |  |  |  |  |  | 26.263% | 26.263% | 26.263% | 12/16/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement | Chapter 13 | xxxxxx | xxxxxx | 2 |  | 68.64 |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7078.00 | xxxxxx | 5.990% | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 56.74 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865455 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $8595.00 | $13429.33 | xxxxxx | 7.045% | $4004.64 | $4004.64 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9819.48 | 1 | xxxxxx | $4582.32 | xxxxxx | $381.86 |  |  |  |  |  | 43.412% | 43.412% | 43.412% | 01/25/2026 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8595.00 | xxxxxx | 6.100% | $4000.00 | 2.5 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $218212.03 | 28.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.73 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865456 | xxxxxx | N/A |  |  | xxxxxx | No | No | $29983.00 | $16240.71 | xxxxxx | 7.244% | $2091.73 | $2091.73 | 6.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5235.18 | 2 | xxxxxx | $2997.96 | xxxxxx | $249.83 |  |  |  |  |  | 16.237% | 16.237% | 16.237% | 12/15/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $29983.00 | xxxxxx | 6.100% | $0.00 |  |  |  |  | No | No | 6.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $272045.47 | 63.260% | No | 35 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.75 | Retail |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865457 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $7182.50 | $8034.35 | xxxxxx | 7.372% | $1446.89 | $1446.89 | 6.999% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2853.26 | 1 | xxxxxx | $369.96 | xxxxxx | $30.83 | xxxxxx | xxxxxx | $460.00 |  | Monthly | 42.875% | 42.875% | 42.875% | 01/20/2026 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7182.50 | xxxxxx | 5.980% | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $29789.62 |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.92 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865458 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $6077.50 | $7029.50 | xxxxxx | 7.154% | $1057.21 | $1057.21 | 6.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2792.43 | 1 | xxxxxx | $3594.96 | xxxxxx | $299.58 |  |  |  |  |  | 44.665% | 44.665% | 44.665% | 01/16/2026 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6077.50 | xxxxxx | 5.980% | $0.00 | 1.3 |  |  |  | N/A | No | 6.750% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 56.56 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865459 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1939.31 | $1939.31 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1614.00 | xxxxxx | $134.50 | xxxxxx | xxxxxx | $2057.00 |  | Annually | 0.000% | 0.000% | 0.000% | 01/27/2026 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.26 |  |  |  |  |  |  | 240 | xxxxxx | $1149641.48 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 384.58 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 865460 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $14101.44 | $9157.35 | xxxxxx | 7.181% | $1954.36 | $1954.36 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5616.52 | 1 | xxxxxx | $777.96 | xxxxxx | $64.83 | xxxxxx | xxxxxx | $308.00 |  | Monthly | 44.462% | 44.462% | 44.462% | 01/13/2026 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14101.44 | xxxxxx | 6.220% | $21000.00 | 1.1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $17500.00 | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.99 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865461 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $5313.75 | $5545.56 | xxxxxx | 6.814% | $1106.12 | $1106.12 | 6.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $1975.79 | 1 | xxxxxx | $1185.72 | xxxxxx | $98.81 |  |  |  |  |  | 39.817% | 39.817% | 39.817% | 01/06/2026 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $5313.75 | xxxxxx | 6.100% | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $3660.42 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 113.9 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865462 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $3254.85 | $3254.85 | xxxxxx | 7.068% | $1103.64 | $1103.64 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2248.04 | 1 | xxxxxx | $1523.04 | xxxxxx | $126.92 | xxxxxx | xxxxxx | $32.00 |  | Monthly | 46.351% | 46.351% | 46.351% | 01/08/2026 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $3254.85 | xxxxxx | 6.020% | $0.00 | 2.5 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.71 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865464 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $21275.00 | $11861.13 | xxxxxx | 7.089% | $1613.58 | $1613.58 | 6.625% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $6772.93 | 1 | xxxxxx | $705.00 | xxxxxx | $58.75 | xxxxxx | xxxxxx | $1175.00 |  | Annually | 36.473% | 36.473% | 36.473% | 03/23/2026 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $21275.00 | xxxxxx | 5.990% | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $28456.29 | 9.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 3.9 |  |  | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865465 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $31074.80 | $38672.36 | xxxxxx | 6.470% | $8584.58 | $8584.58 | 6.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $140147.78 | 1 | xxxxxx | $3521.04 | xxxxxx | $293.42 | xxxxxx | xxxxxx | $71.00 |  | Monthly | 10.915% | 10.915% | 10.915% | 03/04/2026 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $31074.80 | xxxxxx | 5.980% | $0.00 | 3.2 |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $719169.14 | 41.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.17 |  | Yes | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865466 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $24170.38 | $11592.36 | xxxxxx | 7.518% | $1769.52 | $1769.52 | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15280.12 | 1 | xxxxxx | $1065.96 | xxxxxx | $88.83 |  |  |  |  |  | 13.097% | 13.097% | 13.097% | 02/24/2026 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Personal - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $24170.38 | xxxxxx | 6.220% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $30347.75 | 9.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 6.78 |  | No | Yes |  |  | xxxxxx | $8791.44 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865467 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $9751.25 | $13178.87 | xxxxxx | 7.235% | $2143.23 | $2143.23 | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $124645.42 | 1 | xxxxxx | $1922.52 | xxxxxx | $160.21 | xxxxxx | xxxxxx | $1210.00 |  | Monthly | 24.460% | 24.460% | 24.460% | 02/16/2026 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9751.25 | xxxxxx | 6.020% | $0.00 | 1.4 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 3 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $139629.00 | 32.090% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 22.84 |  | No | No |  |  | xxxxxx | $60760.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 | Mortgagor Focused |
| xxxxxx | 865468 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $8495.00 | $9277.50 | xxxxxx | 7.204% | $1297.20 | $1297.20 | 6.750% | No | No | Not Employed | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $48345.31 | 1 | xxxxxx | $3473.04 | xxxxxx | $289.42 |  |  |  |  |  | 19.594% | 19.594% | 19.594% | 02/19/2026 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 |  | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8495.00 | xxxxxx | 6.020% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $3607565.17 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 1590.45 |  | No | Yes |  |  | xxxxxx | $60126.09 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 | Mortgagor Focused |
| xxxxxx | 865469 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $6795.00 | $8501.67 | xxxxxx | 7.159% | $1708.01 | $1708.01 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9629.29 | 1 | xxxxxx | $2265.96 | xxxxxx | $188.83 | xxxxxx |  | $65.00 |  | Monthly | 39.392% | 39.392% | 39.392% | 02/24/2026 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6795.00 | xxxxxx | 6.100% | $4000.00 | 1.1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $103656.86 | 31.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.57 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865472 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $7258.44 | $9879.88 | xxxxxx | 7.216% | $2449.73 | $2449.73 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6759.97 | 1 | xxxxxx | $1629.60 | xxxxxx | $135.80 | xxxxxx | xxxxxx | $300.00 |  | Annually | 43.677% | 43.677% | 43.677% | 03/04/2026 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7258.44 | xxxxxx | 6.100% | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 3 | 3 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $159379.17 | 31.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.98 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865475 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $7745.00 | $8598.29 | xxxxxx | 7.932% | $1433.39 | $1433.39 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9444.04 | 1 | xxxxxx | $757.20 | xxxxxx | $63.10 | xxxxxx | xxxxxx | $748.00 |  | Monthly | 49.795% | 49.795% | 49.795% | 02/19/2026 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7745.00 | xxxxxx | 6.020% | $0.00 | 1.9 |  |  |  | N/A | No | 7.500% | 2 |  | 2 | 0 | 1 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $110708.57 | 37.520% | No | 14 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.74 |  | No | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 | 360 | Mortgagor Focused |
| xxxxxx | 865477 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $977.90 | $977.90 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $7527.96 | xxxxxx | $627.33 | xxxxxx | xxxxxx | $16.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/04/2026 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 66.6 |  |  | Yes | 18.000% |  |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865478 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $985.39 | $985.39 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3763.08 | xxxxxx | $313.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2026 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 83.7 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865479 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $24385.63 | $25207.65 | xxxxxx | 7.434% | $5583.44 | $5583.44 | 7.125% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $19200.30 | 1 | xxxxxx | $4364.40 | xxxxxx | $363.70 | xxxxxx | xxxxxx | $613.00 |  | Monthly | 44.575% | 44.575% | 44.575% | 02/11/2026 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Balance Sheet - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $24385.63 | xxxxxx | 6.020% | $0.00 | 1.1 |  |  |  | Yes | No | 7.125% | 0 |  | 1 | 0 | 3 | 3 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $241386.85 | 24.750% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport, VISA |  |  |  |  | 9.48 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865480 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $19200.92 | $21892.62 | xxxxxx | 6.611% | $10623.39 | $10623.39 | 6.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27277.69 | 1 | xxxxxx | $5622.96 | xxxxxx | $468.58 | xxxxxx | xxxxxx | $282.00 |  | Monthly | 52.912% | 52.912% | 52.912% | 02/14/2026 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19200.92 | xxxxxx | 6.100% | $10000.00 | 1 |  |  |  | N/A | No | 6.500% | 1 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $1927990.87 | 91.760% | No | 3 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 120.07 |  | Yes | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 | Mortgagor Focused |
| xxxxxx | 865481 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2261.48 | $2261.48 | 6.875% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2751.84 | xxxxxx | $229.32 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/22/2026 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 19.09 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865482 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $9507.50 | $12091.40 | xxxxxx | 7.424% | $1386.12 | $1386.12 | 6.875% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2657.34 | 1 | xxxxxx | $2811.96 | xxxxxx | $234.33 | xxxxxx | xxxxxx | $166.00 |  | Monthly | 49.633% | 49.633% | 49.633% | 02/02/2026 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; Account Statements - 2026<br> [Borrower - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2025<br> [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; Other - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - No Results Returned - 2022 | Full Documentation (F) | Retirement Income - Fully Verified | Chapter 7 |  | xxxxxx | 1 | 13.08 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9507.50 | xxxxxx | 5.990% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1000.00 | 0.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.72 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865483 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1489.68 | $1489.68 | 6.625% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $587.04 | xxxxxx | $48.92 | xxxxxx | xxxxxx | $725.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/20/2026 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $213608.25 | 50.490% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 0 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865484 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $13601.25 | $18092.79 | xxxxxx | 8.346% | $3523.57 | $3523.57 | 7.999% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $181230.28 | 1 | xxxxxx | $627.00 | xxxxxx | $52.25 | xxxxxx | xxxxxx | $1515.00 |  | Monthly | 11.633% | 11.633% | 11.633% | 02/17/2026 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13601.25 | xxxxxx | 6.220% | $0.00 | 1 |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $332783.71 | 58.890% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individually and as xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | Individually and as xxxxxx | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 42.77 |  | Yes | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 6 | 360 | Mortgagor Focused |
| xxxxxx | 865485 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1075.72 | $1075.72 | 6.625% | No | No |  |  |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $3521.04 | xxxxxx | $293.42 | xxxxxx | xxxxxx | $800.00 |  | Annually | 0.000% | 0.000% | 0.000% | 02/27/2026 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $104272.71 | 43.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 13.7 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865486 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $17766.00 | $6164.50 | xxxxxx | 7.858% | $1560.58 | $1560.58 | 7.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6051.14 | 1 | xxxxxx | $1666.32 | xxxxxx | $138.86 | xxxxxx | xxxxxx | $475.00 |  | Annually | 34.052% | 34.052% | 38.812% | 03/12/2026 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | Chapter 7 |  | xxxxxx | 1 | 73.8 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $17766.00 | xxxxxx | 5.990% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.9 |  | No | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 240 | Mortgagor Focused |
| xxxxxx | 865489 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $14382.50 | $18636.27 | xxxxxx | 7.097% | $3015.98 | $3015.98 | 6.750% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3037.16 | 1 | xxxxxx | $1178.04 | xxxxxx | $98.17 | xxxxxx | xxxxxx | $87.00 |  | Monthly | 54.922% | 54.922% | 54.922% | 01/16/2026 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Pension]; Account Statements - 2026<br> [Borrower - xxxxxx \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Account Statements - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14382.50 | xxxxxx | 6.100% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $359209.88 | 53.210% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.76 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865490 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $11220.00 | $13908.97 | xxxxxx | 6.969% | $2241.09 | $2241.09 | 6.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14389.47 | 1 | xxxxxx | $3507.48 | xxxxxx | $292.29 |  |  |  |  |  | 19.551% | 19.551% | 19.551% | 03/02/2026 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11220.00 | xxxxxx | 6.020% | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $57580.12 | 10.460% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.43 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865491 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $26907.50 | $31610.86 | xxxxxx | 7.140% | $11225.85 | $11225.85 | 6.999% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $36053.72 | 1 | xxxxxx | $3484.44 | xxxxxx | $290.37 |  |  |  |  |  | 34.731% | 34.731% | 34.731% | 03/25/2026 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $26907.50 | xxxxxx | 6.220% | $74500.00 | 1.3 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $147870.80 | 6.420% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.45 |  | Yes | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865492 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $14531.00 | $14018.11 | xxxxxx | 7.546% | $3208.96 | $3208.96 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $4824.84 | 1 | xxxxxx | $1406.04 | xxxxxx | $117.17 |  |  |  |  |  | 44.922% | 44.922% | 44.922% | 02/02/2026 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14531.00 | xxxxxx | 6.120% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $11697.92 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 3.24 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865493 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $19345.00 | $21382.80 | xxxxxx | 7.251% | $5321.88 | $5321.88 | 6.999% | No | No | Not Employed | Employed | Employed |  | 8.61 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $6417.73 | 1 | xxxxxx | $1508.04 | xxxxxx | $125.67 |  |  |  |  |  | 49.837% | 49.837% | 49.837% | 02/03/2026 | 796 | 793 | 796 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19345.00 | xxxxxx | 5.980% | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 | 2 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $153554.82 |  | No |  | 37 | 26 |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | Individually and as xxxxxx | Individual | Individually and as xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 48.96 |  |  | No |  |  | xxxxxx | $2559.25 | $10234.58 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865494 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $56475.00 | $17546.67 | xxxxxx | 6.664% | $5663.33 | $5663.33 | 6.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $108420.16 | 2 | xxxxxx | $3941.04 | xxxxxx | $328.42 |  |  |  |  |  | 12.071% | 12.071% | 12.071% | 02/13/2026 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $56475.00 | xxxxxx | 5.980% | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $379425.44 | 33.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.81 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865495 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $6845.00 | $2156.09 | xxxxxx | 7.056% | $2328.32 | $2328.32 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7693.67 | 1 | xxxxxx | $4883.04 | xxxxxx | $406.92 | xxxxxx | xxxxxx | $195.00 |  | Monthly | 47.107% | 47.107% | 47.107% | 02/11/2026 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | Chapter 7 |  | xxxxxx | 1 | 113.4 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6845.00 | xxxxxx | 6.100% | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 3 | 3 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.76 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865497 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $8840.00 | $12467.70 | xxxxxx | 7.495% | $1676.39 | $1676.39 | 6.999% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7836.34 | 1 | xxxxxx | $2934.96 | xxxxxx | $244.58 | xxxxxx | xxxxxx | $180.00 |  | Monthly | 32.960% | 32.960% | 32.960% | 02/19/2026 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8840.00 | xxxxxx | 5.980% | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 44.21 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865498 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $9993.97 | $2842.73 | xxxxxx | 7.090% | $1839.43 | $1839.43 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $2687.42 | 1 | xxxxxx | $1563.00 | xxxxxx | $130.25 |  |  |  |  |  | 46.366% | 46.366% | 46.366% | 02/25/2026 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 12 | Personal | 59.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Other - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9993.97 | xxxxxx | 6.020% | $11847.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $215290.53 | 54.510% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 99.51 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865499 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $36770.00 | $6460.64 | xxxxxx | 6.708% | $4290.08 | $4290.08 | 6.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $33287.01 | 2 | xxxxxx | $5001.00 | xxxxxx | $416.75 |  |  |  |  |  | 30.172% | 30.172% | 30.172% | 02/26/2026 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 87.500% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 87.50% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 87.50% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $36770.00 | xxxxxx | 6.120% | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.4 |  | No | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865500 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $17495.00 | $11364.75 | xxxxxx | 6.997% | $5912.36 | $5912.36 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21747.40 | 1 | xxxxxx | $2589.00 | xxxxxx | $215.75 |  |  |  |  |  | 23.607% | 23.607% | 23.607% | 01/21/2026 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 22.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement | Chapter 7 |  | xxxxxx | 1 | 113.88 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $17495.00 | xxxxxx | 6.120% | $0.00 | 2.2 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $293431.67 | 26.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.7 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865501 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $3191.98 | $5334.43 | xxxxxx | 8.172% | $1746.19 | $1746.19 | 7.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8423.24 | 1 | xxxxxx | $1982.28 | xxxxxx | $165.19 | xxxxxx |  | $143.00 |  | Annually | 25.740% | 25.740% | 25.740% | 03/09/2026 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $3191.98 | xxxxxx | 6.220% | $28400.00 | 1.2 |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 2 | 2 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $36880.50 | 13.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.79 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865502 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2951.12 | $2951.12 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3138.00 | xxxxxx | $261.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2026 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 101.07 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 5 | 360 | Property Focused |
| xxxxxx | 865504 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4661.42 | $4661.42 | 7.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2673.48 | xxxxxx | $222.79 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2026 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  |  |  | 240 | xxxxxx | $537806.96 | 53.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 44.84 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 865507 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7013.44 | $10189.94 | xxxxxx | 7.840% | $2786.94 | $2786.94 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18337.45 | 1 | xxxxxx | $1069.32 | xxxxxx | $89.11 | xxxxxx | xxxxxx | $1235.00 |  | Monthly | 23.401% | 23.401% | 23.401% | 01/06/2026 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7013.44 | xxxxxx | 5.980% | $0.00 | 1.2 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 43.6 | Retail |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865508 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1483.78 | $1483.78 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1569.00 | xxxxxx | $130.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/18/2026 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | xxxxxx | $179396.80 | 50.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.62 | Retail |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 2 | 240 | Property Focused |
| xxxxxx | 865509 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6215.00 | $6934.20 | xxxxxx | 7.321% | $1436.91 | $1436.91 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3503.96 | 1 | xxxxxx | $855.00 | xxxxxx | $71.25 |  |  |  |  |  | 47.158% | 47.158% | 47.158% | 01/14/2026 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6215.00 | xxxxxx | 6.100% | $6000.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $52792.07 | 19.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.35 | Retail |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865510 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4433.40 | $4433.40 | 8.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 7 | xxxxxx | $5917.08 | xxxxxx | $493.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/21/2026 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $98939.18 | 13.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.88 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865511 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $8791.25 | $11050.79 | xxxxxx | 9.302% | $1164.90 | $1164.90 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $53410.00 | 1 | xxxxxx | $1035.00 | xxxxxx | $86.25 |  |  |  |  |  | 9.849% | 9.849% | 9.849% | 02/02/2026 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8791.25 | xxxxxx | 5.980% | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $8702.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 43.66 |  | No | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865512 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1339.47 | $1339.47 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1932.00 | xxxxxx | $161.00 | xxxxxx | xxxxxx | $1160.00 |  | Annually | 0.000% | 0.000% | 0.000% | 11/14/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.99 | 1.01 |  |  |  |  |  |  |  | xxxxxx | $27113.96 | 10.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.67 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865513 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $6178.00 | $6843.47 | xxxxxx | 7.245% | $1857.34 | $1857.34 | 6.999% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6056.16 | 1 | xxxxxx | $1476.96 | xxxxxx | $123.08 | xxxxxx |  | $710.00 |  | Annually | 30.233% | 30.233% | 30.233% | 11/24/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6178.00 | xxxxxx | 6.190% | $75911.15 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $15195.17 | 4.350% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 3.21 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865514 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $25220.00 | $9514.43 | xxxxxx | 7.060% | $5987.12 | $5987.12 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15736.62 | 1 | xxxxxx | $1800.00 | xxxxxx | $150.00 |  |  |  |  |  | 47.798% | 47.798% | 47.798% | 02/17/2026 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  | xxxxxx | xxxxxx | $25220.00 | xxxxxx | 6.020% | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 131.75 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865516 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $22090.00 | $24122.30 | xxxxxx | 9.168% | $3675.06 | $3675.06 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7966.81 | 1 | xxxxxx | $3117.00 | xxxxxx | $259.75 |  |  |  |  |  | 37.372% | 37.372% | 37.372% | 03/17/2026 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $22090.00 | xxxxxx | 6.430% | $0.00 | 3.4 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10900.89 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.52 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865519 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $49793.00 | $24122.45 | xxxxxx | 7.742% | $4304.29 | $4304.29 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $30934.89 | 1 | xxxxxx | $1416.00 | xxxxxx | $118.00 |  |  |  |  |  | 23.379% | 23.379% | 23.379% | 03/19/2026 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $49793.00 | xxxxxx | 6.430% | $0.00 | 1.7 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $23370.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.17 |  | No | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865521 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $13097.00 | $15365.05 | xxxxxx | 6.889% | $3273.27 | $3273.27 | 6.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13207.00 | 1 | xxxxxx | $3150.00 | xxxxxx | $262.50 | xxxxxx | xxxxxx | $250.00 |  | Annually | 34.700% | 34.700% | 34.700% | 02/04/2026 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Other - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13097.00 | xxxxxx | 6.120% | $18840.00 | 4 |  |  |  | N/A | No | 6.625% | 1 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $710603.60 | 100.000% | No | 27 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 143.72 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865523 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $11715.00 | $16487.50 | xxxxxx | 7.933% | $2573.11 | $2573.11 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11251.90 | 1 | xxxxxx | $2400.96 | xxxxxx | $200.08 | xxxxxx | xxxxxx | $350.00 |  | Monthly | 28.430% | 28.430% | 28.430% | 03/24/2026 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11715.00 | xxxxxx | 6.430% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $19870.31 | 4.310% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.43 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865525 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2476.62 | $2476.62 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1038.24 | xxxxxx | $86.52 | xxxxxx | xxxxxx | $1800.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/08/2026 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $238830.74 | 41.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.09 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865526 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1741.65 | $1741.65 | 6.625% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $939.00 | xxxxxx | $78.25 | xxxxxx | xxxxxx | $750.00 |  | Annually | 0.000% | 0.000% | 0.000% | 02/23/2026 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 15.98 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865527 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1114.27 | $1114.27 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $3873.00 | xxxxxx | $322.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/18/2026 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.74 | 0.57 |  |  |  |  |  |  |  | xxxxxx | $9908.23 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.75 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 865528 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6984.78 | $6984.78 | 7.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4779.96 | xxxxxx | $398.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/20/2026 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 6.26 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865530 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $69375.00 | $36198.25 | xxxxxx | 7.344% | $4926.97 | $4926.97 | 6.875% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $8311.63 | 1 | xxxxxx | $2324.40 | xxxxxx | $193.70 |  |  |  |  |  | 50.045% | 50.045% | 50.045% | 03/03/2026 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $69375.00 | xxxxxx | 6.020% | $0.00 | 4.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | VISA |  |  |  | No | 32.11 |  | No | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865532 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $89515.00 | $20198.93 | xxxxxx | 7.010% | $9484.41 | $9484.41 | 6.875% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $17546.21 | 1 | xxxxxx | $864.96 | xxxxxx | $72.08 | xxxxxx | xxxxxx | $1173.00 |  | Monthly | 28.367% | 28.367% | 28.367% | 02/06/2026 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $89515.00 | xxxxxx | 6.120% | $0.00 | 1.2 |  |  |  | N/A | No | 6.875% | 2 |  | 0 | 0 | 0 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $428475.87 | 22.250% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 8.18 |  |  | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865533 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $15725.00 | $7537.31 | xxxxxx | 7.228% | $1366.41 | $1366.41 | 6.875% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $6819.82 | 1 | xxxxxx | $1293.60 | xxxxxx | $107.80 | xxxxxx | xxxxxx | $203.00 |  | Annually | 31.802% | 31.802% | 31.802% | 03/13/2026 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024 |  | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $15725.00 | xxxxxx | 6.100% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $74651.34 | 28.710% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 3.74 |  |  | Yes |  |  | xxxxxx | $0.00 | $10000.03 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865536 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1447.37 | $1447.37 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $2064.96 | xxxxxx | $172.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/28/2026 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.71 | 0.58 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 20.93 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865537 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1746.03 | $1746.03 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1103.04 | xxxxxx | $91.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2026 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $90501.68 | 28.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.27 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865540 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $31145.86 | $34474.59 | xxxxxx | 7.426% | $5073.10 | $5073.10 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15689.03 | 1 | xxxxxx | $1367.40 | xxxxxx | $113.95 | xxxxxx | xxxxxx | $127.00 |  | Monthly | 37.244% | 37.244% | 37.244% | 03/02/2026 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  | xxxxxx | xxxxxx | $31145.86 | xxxxxx | 6.120% | $25000.00 | 1.1 |  |  |  | No | No | 6.999% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $127421.20 | 14.200% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.67 |  | Yes | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865541 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $11241.20 | $11099.93 | xxxxxx | 7.201% | $6279.06 | $6279.06 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9123.35 | 1 | xxxxxx | $1726.20 | xxxxxx | $143.85 |  |  |  |  |  | 46.336% | 46.336% | 46.336% | 03/12/2026 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11241.20 | xxxxxx | 6.220% | $0.00 | 2.2 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.63 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865543 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6993.09 | $6993.09 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3266.04 | xxxxxx | $272.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2026 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 37.4 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865544 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8695.31 | $8695.31 | 6.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2889.00 | xxxxxx | $240.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/12/2026 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 1 | 109.32 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.2 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 5.57 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 240 | Property Focused |
| xxxxxx | 865546 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $24455.00 | $10667.44 | xxxxxx | 6.768% | $2073.18 | $2073.18 | 6.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17964.35 | 1 | xxxxxx | $1809.60 | xxxxxx | $150.80 |  |  |  |  |  | 18.021% | 18.021% | 18.021% | 03/05/2026 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2026<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2025 | [Borrower]; 1040 - 2025<br> [Borrower]; Transcripts (1040) - 2025<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $24455.00 | xxxxxx | 5.980% | $0.00 | 3 |  |  |  | N/A | No | 6.500% | 0 |  | 1 | 0 | 0 | 4 |  |  | 1.90 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $93225.70 | 22.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 120.26 |  | No | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865549 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $12025.00 | $14508.63 | xxxxxx | 7.913% | $3339.02 | $3339.02 | 7.625% | No | No | Not Employed | Self-Employed | Self-Employed |  | 22.72 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $444781.62 | 1 | xxxxxx | $1283.16 | xxxxxx | $106.93 |  |  |  |  |  | 3.211% | 3.211% | 3.211% | 03/10/2026 | 786 | 770 | 786 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 12 | Business | 100.000% |  | 40.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2003<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2003<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2003<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2003 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $12025.00 | xxxxxx | 6.430% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 3 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 115.21 |  | No | No |  |  | xxxxxx | $459538.65 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865550 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $60562.50 | $39014.35 | xxxxxx | 9.395% | $5015.22 | $5015.22 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13219.99 | 3 | xxxxxx | $15723.60 | xxxxxx | $1310.30 |  |  |  |  |  | 47.399% | 47.399% | 47.399% | 02/17/2026 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  | 13 |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $60562.50 | xxxxxx | 6.120% | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $4888.55 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 84.48 |  |  | No |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865551 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $10595.00 | $5529.25 | xxxxxx | 6.716% | $2881.40 | $2881.40 | 6.625% | No | No | Not Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10159.61 | 1 | xxxxxx | $2579.04 | xxxxxx | $214.92 |  |  |  |  |  | 36.012% | 36.012% | 36.012% | 03/16/2026 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10595.00 | xxxxxx | 6.120% | $0.00 | 3 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $1234583.82 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individually and as xxxxxx | Individual | Individually and as xxxxxx |  |  |  |  |  |  |  |  |  |  | No | Individually and as xxxxxx | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 340.62 |  |  | No |  |  | xxxxxx | $2731.04 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865552 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $11695.00 | $16163.59 | xxxxxx | 6.679% | $4298.06 | $4298.06 | 6.500% | No | No | Self-Employed | Not Employed | Self-Employed |  | 7.97 |  | xxxxxx | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  | $10707.63 | 1 | xxxxxx | $6711.96 | xxxxxx | $559.33 |  |  |  |  |  | 40.314% | 40.314% | 40.314% |  | 782 | 794 | 776 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 24 | Personal, Business | 100.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11695.00 | xxxxxx | 5.980% | $0.00 | 2.2 |  |  |  | No | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $231015.22 | 27.170% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | 6.52 |  | Yes | No |  |  | xxxxxx | $9998.57 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865553 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $23302.05 | $14598.15 | xxxxxx | 7.224% | $1816.66 | $1816.66 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3245.22 | 1 | xxxxxx | $1453.80 | xxxxxx | $121.15 | xxxxxx | xxxxxx | $975.00 |  | Annually | 44.137% | 44.137% | 44.137% | 03/01/2026 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $23302.05 | xxxxxx | 6.020% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 3 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $91678.93 | 27.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.6 |  | No | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865554 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $11635.00 | $14340.75 | xxxxxx | 7.004% | $3255.96 | $3255.96 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11703.66 | 1 | xxxxxx | $4671.96 | xxxxxx | $389.33 | xxxxxx | xxxxxx | $940.00 |  | Annually | 34.313% | 34.313% | 34.313% | 02/27/2026 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11635.00 | xxxxxx | 6.020% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $39851.58 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.19 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865555 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $19990.00 | $3676.09 | xxxxxx | 6.538% | $3620.49 | $3620.49 | 6.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7199.31 | 1 | xxxxxx | $6254.64 | xxxxxx | $521.22 |  |  |  |  |  | 40.595% | 40.595% | 40.595% | 02/09/2026 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19990.00 | xxxxxx | 6.020% | $28640.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $218805.80 | 30.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.33 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865556 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $13426.10 | $9147.67 | xxxxxx | 6.880% | $1893.89 | $1893.89 | 6.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $3700.11 | 1 | xxxxxx | $1174.80 | xxxxxx | $97.90 |  |  |  |  |  | 46.560% | 46.560% | 46.560% | 03/02/2026 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2026<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13426.10 | xxxxxx | 6.220% | $0.00 | 2.6 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $112471.85 | 30.330% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8.62 |  |  | No |  |  | xxxxxx | $3461.92 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865557 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $15630.00 | $7561.29 | xxxxxx | 7.330% | $4556.94 | $4556.94 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25802.80 | 1 | xxxxxx | $849.24 | xxxxxx | $70.77 | xxxxxx | xxxxxx | $247.00 |  | Monthly | 45.645% | 45.645% | 45.645% | 02/17/2026 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2026<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; D1C Income Verification Report - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; D1C Income Verification Report - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; D1C Income Verification Report - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $15630.00 | xxxxxx | 6.120% | $0.00 | 1.6 |  |  |  | N/A | No | 7.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $1184520.18 | 100.000% | No | 1 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 202.94 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 865559 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $15835.00 | $18792.00 | xxxxxx | 7.806% | $3982.73 | $3982.73 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $1412823.72 | 1 | xxxxxx | $2350.92 | xxxxxx | $195.91 | xxxxxx | xxxxxx | $104.00 |  | Monthly | 0.486% | 0.486% | 0.486% | 02/26/2026 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $15835.00 | xxxxxx | 6.430% | $0.00 | 2.6 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 1.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.62 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865560 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $13585.00 | $15783.89 | xxxxxx | 7.590% | $2974.29 | $2974.29 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7312.12 | 1 | xxxxxx | $3224.04 | xxxxxx | $268.67 | xxxxxx | xxxxxx | $310.00 |  | Monthly | 41.296% | 41.296% | 41.296% | 03/23/2026 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13585.00 | xxxxxx | 6.430% | $8600.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $30000.00 | 5.500% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 3.56 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 865561 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3258.43 | $3258.43 | 8.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3019.80 | xxxxxx | $251.65 | xxxxxx | xxxxxx | $572.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/04/2026 | 622 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.3 |  |  |  | N/A | No | 8.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 55.61 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865566 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1964.67 | $1964.67 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1352.04 | xxxxxx | $112.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2026 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 102.76 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 3 | 360 | Property Focused |
| xxxxxx | 865567 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5184.54 | $5184.54 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1401.00 | xxxxxx | $116.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/03/2026 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  |  | xxxxxx | $311315.50 | 32.770% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.31 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 865568 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $19557.92 | $19557.92 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $12324.72 | xxxxxx | $1027.06 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2026 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 114.64 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 865569 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2149.24 | $2149.24 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1769.04 | xxxxxx | $147.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/04/2026 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | xxxxxx | $45441.80 | 11.360% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.61 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865571 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4286.46 | $4286.46 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $4418.52 | xxxxxx | $368.21 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/28/2026 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $231471.88 | 26.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 5.21 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 865573 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1995.37 | $1995.37 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1022.76 | xxxxxx | $85.23 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2026 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.2 |  |  |  |  |  |  |  | xxxxxx | $169471.62 | 43.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.06 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 865574 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1672.16 | $1672.16 | 7.625% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1107.96 | xxxxxx | $92.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/16/2026 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $795.00 | 0.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865575 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2693.71 | $2693.71 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1005.96 | xxxxxx | $83.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/21/2026 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.17 |  |  |  |  |  |  |  | xxxxxx | $325034.31 | 69.150% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 109.22 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 865578 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1783.64 | $1783.64 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1197.96 | xxxxxx | $99.83 | xxxxxx | xxxxxx | $68.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/12/2026 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 1 | 210.96 | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.11 |  |  |  |  |  |  |  | xxxxxx | $750726.23 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 224.99 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | 3 | 360 | Property Focused |
| xxxxxx | 865580 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1639.20 | $1639.20 | 6.625% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $849.96 | xxxxxx | $70.83 | xxxxxx | xxxxxx | $750.00 |  | Annually | 0.000% | 0.000% | 0.000% | 02/23/2026 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 0 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865582 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5561.20 | $5561.20 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $5787.96 | xxxxxx | $482.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/02/2026 | 630 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $25000.00 | 1.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.46 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865583 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1842.43 | $1842.43 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1403.52 | xxxxxx | $116.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/27/2026 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $77049.65 | 23.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 865584 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2538.23 | $2538.23 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1215.96 | xxxxxx | $101.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/19/2026 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $34383.85 | 6.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.28 |  |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 865688 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4217.14 | $4217.14 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3018.96 | xxxxxx | $251.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/05/2026 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.28 |  |  |  |  |  |  |  | xxxxxx | $956.68 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 13.04 |  |  | Yes | 23.000% | 0 | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 866636 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4608.10 | $4608.10 | 8.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 8 | xxxxxx | $5235.36 | xxxxxx | $436.28 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/16/2026 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $222951.38 | 28.430% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 7.61 | Retail |  | Yes | 18.000% |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 866809 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $6708.00 | $3688.45 | xxxxxx | 7.914% | $1736.58 | $1736.58 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $27995.20 | 1 | xxxxxx | $2211.00 | xxxxxx | $184.25 |  |  |  |  |  | 10.875% | 10.875% | 10.875% | 01/16/2026 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6708.00 | xxxxxx | 6.100% | $0.00 | 1.5 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | VISA |  |  |  | No | 6.98 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 866814 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $41795.00 | $23542.32 | xxxxxx | 8.300% | $3770.36 | $3770.36 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $38079.05 | 1 | xxxxxx | $3626.40 | xxxxxx | $302.20 |  |  |  |  |  | 46.612% | 46.612% | 46.612% | 02/16/2026 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $41795.00 | xxxxxx | 6.220% | $0.00 | 1.7 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $114802.36 | 17.660% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.78 |  | No | Yes |  |  |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 360 | Mortgagor Focused |
| xxxxxx | 866822 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $66489.36 | $28067.72 | xxxxxx | 7.102% | $5107.66 | $5107.66 | 6.750% | No | No | Not Employed | Not Employed | Self-Employed |  | 21.61 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  | $31023.92 | 1 | xxxxxx | $2424.96 | xxxxxx | $202.08 | xxxxxx |  | $600.00 |  | Monthly | 18.986% | 18.986% | 18.986% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2026 |  | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $66489.36 | xxxxxx | 6.430% | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $565515.53 | 53.850% | Yes |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  | Passport | VISA |  |  | 41.44 |  | No | Yes |  |  | xxxxxx | $38294.54 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 866823 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $42995.00 | $45702.78 | xxxxxx | 7.623% | $12708.42 | $12708.42 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $54437.62 | 1 | xxxxxx | $6762.72 | xxxxxx | $563.56 |  |  |  |  |  | 36.603% | 36.603% | 36.603% | 02/26/2026 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $42995.00 | xxxxxx | 6.120% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $100554.59 | 4.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.38 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 | Mortgagor Focused |
| xxxxxx | 866829 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $23764.00 | $3341.97 | xxxxxx | 8.071% | $2799.65 | $2799.65 | 7.999% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $18372.65 | 1 | xxxxxx | $1760.04 | xxxxxx | $146.67 | xxxxxx | xxxxxx | $340.00 |  | Annually | 38.403% | 38.403% | 40.794% | 03/31/2026 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025 |  | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $23764.00 | xxxxxx | 6.430% | $0.00 | 2.6 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 14.46 |  | Yes | Yes |  |  | xxxxxx | $29827.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 240 | Mortgagor Focused |
| xxxxxx | 866833 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $51744.98 | $55178.79 | xxxxxx | 7.139% | $13138.57 | $13138.57 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $1175179.22 | 1 | xxxxxx | $7866.96 | xxxxxx | $655.58 |  |  |  |  |  | 1.294% | 1.294% | 1.294% | 02/08/2026 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $51744.98 | xxxxxx | 6.120% | $0.00 | 1.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 2 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 49.57 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 866834 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $33663.58 | $35360.72 | xxxxxx | 7.116% | $6162.85 | $6162.85 | 6.750% | No | No | Self-Employed |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | $35869.63 | 1 | xxxxxx | $3451.92 | xxxxxx | $287.66 | xxxxxx | xxxxxx | $1460.00 |  | Monthly | 20.632% | 20.632% | 20.632% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $33663.58 | xxxxxx | 6.430% | $0.00 | 2.1 |  |  |  | No | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $2458408.56 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 261.89 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 866836 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $17620.00 | $8703.04 | xxxxxx | 8.213% | $3154.89 | $3154.89 | 7.999% | No | No | Self-Employed |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | $15645.36 | 1 | xxxxxx | $1704.96 | xxxxxx | $142.08 | xxxxxx | xxxxxx | $1500.00 |  | Annually | 22.976% | 22.976% | 22.976% | 04/16/2026 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $17620.00 | xxxxxx | 6.370% | $0.00 | 1.5 |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 2 | 0 |  |  | 15.77 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 15.17 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 866857 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $24402.00 | $11177.04 | xxxxxx | 7.057% | $2261.01 | $2261.01 | 6.750% | No | No | Not Employed | Self-Employed | Not Employed |  | 0 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  | $5574.60 | 1 | xxxxxx | $3846.00 | xxxxxx | $320.50 |  |  |  |  |  | 33.329% | 33.329% | 33.329% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2026 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $24402.00 | xxxxxx | 6.120% | $0.00 | 4 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $139531.96 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  | Passport, VISA | Passport, VISA |  | No | 50.07 |  |  | Yes |  |  | xxxxxx | $8361.37 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 866861 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $12765.00 | $4175.45 | xxxxxx | 7.357% | $2646.84 | $2646.84 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $29952.84 | 1 | xxxxxx | $2289.84 | xxxxxx | $190.82 |  |  |  |  |  | 13.474% | 13.474% | 13.474% | 03/17/2026 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $12765.00 | xxxxxx | 6.370% | $15000.00 | 1.5 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 1.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.5 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 866862 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5352.73 | $5352.73 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $8692.32 | xxxxxx | $724.36 | xxxxxx | xxxxxx | $750.00 |  | Annually | 0.000% | 0.000% | 0.000% | 01/21/2026 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.48 | 2.08 |  |  |  |  |  |  |  | xxxxxx | $732827.36 | 47.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.04 |  |  | Yes | 18.000% | 0 | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 866880 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $28895.00 | $36147.00 | xxxxxx | 6.438% | $9605.19 | $9605.19 | 6.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $41838.99 | 1 | xxxxxx | $2541.60 | xxxxxx | $211.80 |  |  |  |  |  | 27.934% | 27.934% | 27.934% | 03/16/2026 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $28895.00 | xxxxxx | 6.260% | $0.00 | 2.7 |  |  |  | N/A | No | 6.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $587080.04 | 30.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.67 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 866884 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $18126.60 | $10189.36 | xxxxxx | 7.449% | $1396.50 | $1396.50 | 6.999% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $92193.39 | 1 | xxxxxx | $1688.04 | xxxxxx | $140.67 |  |  |  |  |  | 5.300% | 5.300% | 5.300% | 03/26/2026 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $18126.60 | xxxxxx | 6.370% | $0.00 | 2.6 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $291868.69 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 136.47 |  | No | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 866888 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $8595.00 | $11255.50 | xxxxxx | 7.752% | $2622.05 | $2622.05 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5001.73 | 1 | xxxxxx | $2939.04 | xxxxxx | $244.92 |  |  |  |  |  | 39.168% | 39.168% | 39.168% | 03/31/2026 | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8595.00 | xxxxxx | 6.430% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 110.08 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 866893 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $7632.50 | $12919.25 | xxxxxx | 7.247% | $1566.36 | $1566.36 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4619.11 | 1 | xxxxxx | $3403.08 | xxxxxx | $283.59 |  |  |  |  |  | 33.010% | 33.010% | 33.010% | 04/03/2026 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 1 | 198.6 | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7632.50 | xxxxxx | 6.260% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1446.31 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.09 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 866904 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $10076.30 | $3259.55 | xxxxxx | 7.776% | $3038.05 | $3038.05 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $101593.45 | 1 | xxxxxx | $965.28 | xxxxxx | $80.44 | xxxxxx | xxxxxx | $550.00 |  | Annually | 10.419% | 10.419% | 10.419% | 05/07/2026 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10076.30 | xxxxxx | 6.430% | $81555.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $50406.71 | 10.100% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 23.19 |  | Yes | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 | Mortgagor Focused |
| xxxxxx | 866929 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $6633.00 | $8174.61 | xxxxxx | 7.887% | $2282.63 | $2282.63 | 7.625% | No | No | Self-Employed |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | $67272.92 | 1 | xxxxxx | $2240.40 | xxxxxx | $186.70 | xxxxxx | xxxxxx | $450.00 |  | Annually | 4.405% | 4.405% | 4.405% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2026<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6633.00 | xxxxxx | 6.300% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  |  | 15.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $9650.00 | 2.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 43.33 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 866941 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $4595.00 | $2358.82 | xxxxxx | 6.978% | $985.39 | $985.39 | 6.875% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11300.38 | 1 | xxxxxx | $1088.76 | xxxxxx | $90.73 | xxxxxx | xxxxxx | $188.00 |  | Monthly | 27.441% | 27.441% | 27.441% | 04/20/2026 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2026<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099 Transcript - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $4595.00 | xxxxxx | 6.260% | $5000.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $1146088.14 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individually and as xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | Individually and as xxxxxx | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 451.15 |  | No | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 866953 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5204.19 | $5204.19 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $5147.04 | xxxxxx | $428.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/06/2026 | 639 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.71 | Retail |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 866955 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1061.91 | $1061.91 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1326.60 | xxxxxx | $110.55 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2026 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 108.48 | Retail |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 | 360 | Property Focused |
| xxxxxx | 866956 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1202.65 | $1202.65 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2997.36 | xxxxxx | $249.78 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/19/2026 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.66 |  |  |  |  |  |  |  | xxxxxx | $9944.82 | 4.620% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 1.16 | Retail |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 4 | 360 | Property Focused |
| xxxxxx | 866957 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6891.47 | $6891.47 | 9.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $6318.00 | xxxxxx | $526.50 | xxxxxx | xxxxxx | $1557.00 |  | Annually | 0.000% | 0.000% | 0.000% | 03/16/2026 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 1 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.02 |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 0.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.35 | Broker |  | No |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | No | No | No | No | 2 | 360 | Property Focused |
| xxxxxx | 866958 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2370.00 | $4822.71 | xxxxxx | 8.020% | $12091.29 | $12091.29 | 7.999% | No | No | Not Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $176898.04 | 1 | xxxxxx | $2124.96 | xxxxxx | $177.08 |  |  |  |  |  | 17.799% | 17.799% | 17.799% | 02/03/2026 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 70.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 70.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $2370.00 | xxxxxx | 6.370% | $0.00 | 1 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $141338.34 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 14.06 | Retail | No | No |  |  | xxxxxx | $215202.21 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 | Mortgagor Focused |
| xxxxxx | 867261 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $12845.00 | $7393.75 | xxxxxx | 8.851% | $2333.37 | $2333.37 | 8.625% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $4361.90 | 1 | xxxxxx | $1151.76 | xxxxxx | $95.98 | xxxxxx | xxxxxx | $151.00 |  | Monthly | 49.550% | 49.550% | 49.550% | 04/14/2026 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026 | [Borrower]; Transcripts (1040) - No Results Returned - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $12845.00 | xxxxxx | 6.260% | $0.00 | 1 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 2 | 1 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $130619.21 | 32.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.65 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 867774 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $22276.80 | $10534.13 | xxxxxx | 7.514% | $2030.00 | $2030.00 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $42965.11 | 1 | xxxxxx | $1821.72 | xxxxxx | $151.81 |  |  |  |  |  | 36.360% | 36.360% | 37.286% | 01/14/2026 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $22276.80 | xxxxxx | 6.430% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 3 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx | $57788.50 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.75 |  | No | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 | 240 | Mortgagor Focused |
| xxxxxx | 867782 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $100017.00 | $32269.50 | xxxxxx | 6.929% | $9728.97 | $9728.97 | 6.750% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $22791.92 | 1 | xxxxxx | $1995.00 | xxxxxx | $166.25 |  |  |  |  |  | 48.602% | 48.602% | 48.602% | 04/01/2026 | 822 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $100017.00 | xxxxxx | 6.320% | $0.00 | 3 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $958408.02 | 47.920% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 39.09 |  | No | Yes |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |
| xxxxxx | 867814 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $9526.25 | $11315.90 | xxxxxx | 6.961% | $1992.97 | $1992.97 | 6.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16872.05 | 1 | xxxxxx | $2720.04 | xxxxxx | $226.67 |  |  |  |  |  | 13.573% | 13.573% | 13.573% | 04/11/2026 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9526.25 | xxxxxx | 6.410% | $0.00 | 1.5 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $142149.15 | 34.250% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.79 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 867815 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $9185.00 | $11653.63 | xxxxxx | 7.525% | $1859.46 | $1859.46 | 7.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5984.03 | 1 | xxxxxx | $1919.04 | xxxxxx | $159.92 |  |  |  |  |  | 30.253% | 30.253% | 30.253% | 04/06/2026 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2026 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9185.00 | xxxxxx | 6.300% | $90000.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $14925.39 | 4.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 3.89 |  |  | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 | 360 | Mortgagor Focused |
| xxxxxx | 867816 | xxxxxx | Exempt from ATR | Non QM | Yes | xxxxxx | Yes | No | $8626.25 | $7503.47 | xxxxxx | 7.614% | $1942.52 | $1942.52 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6610.74 | 1 | xxxxxx | $2560.32 | xxxxxx | $213.36 |  |  |  |  |  | 49.956% | 49.956% | 49.956% | 05/12/2026 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2026<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2026 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2025<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8626.25 | xxxxxx | 6.370% | $11250.00 | 2.1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $120239.95 | 32.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 75.19 |  | Yes | No |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 | Mortgagor Focused |

---

## Exhibit 99.8

**EXHIBIT 99.8**

**AMC Tax and Title Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Servicer LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| 865513 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 26 | xxxxxx as Nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |

---

## Exhibit 99.9

**EXHIBIT 99.9**

**Canopy financial technology partners, llc ("canopy") narrative**

![](tm2619057d1_ex99-9img001.jpg)

**NARRATIVE**

**Verus 2026-6**

**By Canopy Financial Technology Partners LLC on June 24, 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 20850p

![](tm2619057d1_ex99-9img001.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 VMC Asset Pooler, LLC (the "Client") or its affiliated company. The Review was conducted from November 2025 to June 2026 via files imaged and provided by the Client for review.

The Review consisted of a population of five hundred sixty-seven (567) Loans with an aggregate principal balance of $247,269,529.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); DBRS Morningstar and Moody's Investors Service, Inc.

**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 |
| &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 |

---

![](tm2619057d1_ex99-9img001.jpg)

---

| | |
|:---|:---|
| &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;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

· Occupancy;

![](tm2619057d1_ex99-9img001.jpg)

· 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)).

![](tm2619057d1_ex99-9img001.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;

· 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.

![](tm2619057d1_ex99-9img001.jpg)

**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.

**"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.

![](tm2619057d1_ex99-9img001.jpg)

**"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' 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);

**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;i. Initial and final application (1003)

![](tm2619057d1_ex99-9img001.jpg)

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

&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;

![](tm2619057d1_ex99-9img001.jpg)

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

![](tm2619057d1_ex99-9img001.jpg)

· 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.

· 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.

![](tm2619057d1_ex99-9img001.jpg)

· 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.

![](tm2619057d1_ex99-9img001.jpg)

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency as permitted under the QM final rule, 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.

![](tm2619057d1_ex99-9img001.jpg)

**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:** 

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Form ABS Due Diligence-15E; DBRS Morningstar and Moody's Investors Service, Inc.

![](tm2619057d1_ex99-9img001.jpg)

---

| | |
|:---|:---|
| &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. |

---

---

| | |
|:---|:---|
| &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. |

---

![](tm2619057d1_ex99-9img001.jpg)

**FINDINGS SUMMARY**

**Summary Overview – DBRS Morningstar**

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections. 83.42% (473 loans) have an overall grade of "A", and 16.58% (94 loans) have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 484 Loans reviewed (85.36%), and 83 loans (14.64%) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 559 Loans reviewed (98.59%), and 8 loans (1.41%) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 560 Loans reviewed (98.77%), and 7 loans (1.23%) have a Property grade of "B".

**FINDINGS TABLE**

**REVIEW TABLES – DBRS Morningstar**

---

| | | |
|:---|:---|:---|
| &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;473 | &nbsp;&nbsp;83.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;94 | &nbsp;&nbsp;16.58% |
| &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;**567** | &nbsp;&nbsp;**100.00%** |

---

![](tm2619057d1_ex99-9img001.jpg)

---

| | | |
|:---|:---|:---|
| &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;484 | &nbsp;&nbsp;85.36% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;83 | &nbsp;&nbsp;14.64% |
| &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;**567** | &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;559 | &nbsp;&nbsp;98.59% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.41% |
| &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;**567** | &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;560 | &nbsp;&nbsp;98.77% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.23% |
| &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;**567** | &nbsp;&nbsp;**100.00%** |

---

**Summary Overview – Moody's**

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections. 77.43% (439 loans) have an overall grade of "A", 15.87% (90 loans) have an overall grade of "B", and 6.70% (38 loans) are N/A.

Canopy's review concluded a Credit grade of "A" for 450 Loans reviewed (79.37%), 79 loans (13.93%) have a Credit grade of "B", and 6.70% (38 loans) are N/A.

Canopy's review concluded a Compliance grade of "A" for 521 Loans reviewed (91.89%), 8 loans (1.41%) have a Compliance grade of "B", and 6.70% (38 loans) are N/A.

Canopy's review concluded a Property/Valuation grade of "A" for 523 Loans reviewed (92.24%), 6 loans (1.06%) has a Property grade of "B", and 6.70% (38 loans) are N/A.

![](tm2619057d1_ex99-9img001.jpg)

**FINDINGS TABLE**

**REVIEW TABLES – Moody's**

---

| | | |
|:---|:---|:---|
| &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;439 | &nbsp;&nbsp;77.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;90 | &nbsp;&nbsp;15.87% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;38 | &nbsp;&nbsp;6.70% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**567** | &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;450 | &nbsp;&nbsp;79.37% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;79 | &nbsp;&nbsp;13.93% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;38 | &nbsp;&nbsp;6.70% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**567** | &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;521 | &nbsp;&nbsp;91.89% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.41% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;38 | &nbsp;&nbsp;6.70% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**567** | &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;523 | &nbsp;&nbsp;92.24% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;38 | &nbsp;&nbsp;6.70% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**567** | &nbsp;&nbsp;**100.00%** |

---

![](tm2619057d1_ex99-9img001.jpg)

**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;560 | &nbsp;&nbsp;98.77% | &nbsp;&nbsp;$243874489.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.23% | &nbsp;&nbsp;$3395040.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**567** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$247269529.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;529 | &nbsp;&nbsp;93.30% | &nbsp;&nbsp;$238250427.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;38 | &nbsp;&nbsp;6.70% | &nbsp;&nbsp;$9019102.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**567** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$247269529.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—Proceeds used to pay off existing loans 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;4 | &nbsp;&nbsp;0.71% | &nbsp;&nbsp;$1127700.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;259 | &nbsp;&nbsp;45.68% | &nbsp;&nbsp;$99012435.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;39 | &nbsp;&nbsp;6.88% | &nbsp;&nbsp;$20787288.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;205 | &nbsp;&nbsp;36.16% | &nbsp;&nbsp;$97891631.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;60 | &nbsp;&nbsp;10.58% | &nbsp;&nbsp;$28450475.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**567** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$247269529.00** |
| &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;4 | &nbsp;&nbsp;0.71% | &nbsp;&nbsp;$955615.00 |
| &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;552 | &nbsp;&nbsp;97.35% | &nbsp;&nbsp;$241332765.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;11 | &nbsp;&nbsp;1.94% | &nbsp;&nbsp;$4981149.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**567** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$247269529.00** |

---

![](tm2619057d1_ex99-9img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;166 | &nbsp;&nbsp;29.28% | &nbsp;&nbsp;$90071111.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.47% | &nbsp;&nbsp;$6793543.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;387 | &nbsp;&nbsp;68.25% | &nbsp;&nbsp;$150404875.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**567** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$247269529.00** |

---

**DATA COMPARISON RESULTS**

Of the five hundred sixty-seven (567) mortgage loan files reviewed, three hundred five (305) unique loans (53.79% by number) had four hundred ninety-eight (498) tape comparison discrepancies across thirty-four (34) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;567 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;B1 Verified Citizenship Designation | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;567 | &nbsp;&nbsp;0.71% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;9 | &nbsp;&nbsp;567 | &nbsp;&nbsp;1.59% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp;567 | &nbsp;&nbsp;1.41% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;27 | &nbsp;&nbsp;567 | &nbsp;&nbsp;4.76% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;21 | &nbsp;&nbsp;567 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;567 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;567 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp;567 | &nbsp;&nbsp;1.41% |
| &nbsp;&nbsp;Final Qualifying Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;567 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;50 | &nbsp;&nbsp;567 | &nbsp;&nbsp;8.82% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;9 | &nbsp;&nbsp;567 | &nbsp;&nbsp;1.59% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;567 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;567 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;567 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;567 | &nbsp;&nbsp;0.71% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;567 | &nbsp;&nbsp;0.71% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;567 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;23 | &nbsp;&nbsp;567 | &nbsp;&nbsp;4.06% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;37 | &nbsp;&nbsp;567 | &nbsp;&nbsp;6.53% |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;567 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30day 24Months | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;567 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;112 | &nbsp;&nbsp;567 | &nbsp;&nbsp;19.75% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;39 | &nbsp;&nbsp;567 | &nbsp;&nbsp;6.88% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;11 | &nbsp;&nbsp;567 | &nbsp;&nbsp;1.94% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;20 | &nbsp;&nbsp;567 | &nbsp;&nbsp;3.53% |
| &nbsp;&nbsp;Qualifying Housing 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;2 | &nbsp;&nbsp;567 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;16 | &nbsp;&nbsp;567 | &nbsp;&nbsp;2.82% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;8 | &nbsp;&nbsp;567 | &nbsp;&nbsp;1.41% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;6 | &nbsp;&nbsp;567 | &nbsp;&nbsp;1.06% |
| &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;48 | &nbsp;&nbsp;567 | &nbsp;&nbsp;8.47% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;567 | &nbsp;&nbsp;0.71% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;567 | &nbsp;&nbsp;0.71% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;567 | &nbsp;&nbsp;0.18% |

---

![](tm2619057d1_ex99-9img001.jpg)

**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.*

## Exhibit 99.10

**EXHIBIT 99.10**

**Canopy RATING AGENCY GRADES DETAIL REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 846143 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851004 | xxxxxx | D A | Closed | xxxxxx | 2025-12-22 06:39 | 2025-12-29 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Missing | Resolved-Unexpired DL provided. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Please see attached Driver's License. - Due Diligence Vendor-12/29/2025 <br> Open-Client driver's license expired on xxxxxx - Due Diligence Vendor-12/22/2025 |  | Resolved-Unexpired DL provided. - Due Diligence Vendor-12/29/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years |  | 851004_xxxxxx_DL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851889 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 852284 | xxxxxx | C A | Closed | xxxxxx | 2025-12-08 09:13 | 2025-12-19 11:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 40.47 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. The EMD from xxxxxx was backed out at closing. The borrower refunded the $57,750 and brought all closing costs in at closing. The updated final HUD has been uploaded showing the original credit for the $57,750 on page 1. On Page 2, there is a refund/debit back for the same amount cancelling it out completely. Updated bank statement shows borrower had $560,318.00 in his xxxxxx account ending in xxxx7307 right before closing. - Due Diligence Vendor-12/18/2025 <br> Counter-Audited Reserves of 2.21 are less than Guideline Required Reserves of 6 Total assets verified. Total assets presented on the 1008 and final 1003 match that found in the file in the amount of $464,513.90. FTC in the amount of $439,248.30 is accounted for leaving $25,265.60 for reserves. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Please see assets - Due Diligence Vendor-12/17/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 6 Missing evidence of sufficient assets for reserves and missing source of 08/11 EMD received from xxxxxx iao $57,750 - Due Diligence Vendor-12/08/2025 |  | Resolved-Audited Reserves of 40.47 are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-12/19/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review852284_xxxxxx_12_16_2025_101553_AM.zip<br> Full Review852284_xxxxxx_12_17_2025_121125_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852284 | xxxxxx | C A | Closed | xxxxxx | 2025-12-09 03:20 | 2025-12-16 14:55 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. pleas see attached - Due Diligence Vendor-12/16/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Missing evidence of sufficient insurance OR satisfactory RCE. - Due Diligence Vendor-12/09/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-12/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 852284_xxxxxx_RCE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 852643 | xxxxxx | B A | Closed | xxxxxx | 2025-11-14 10:46 | 2025-11-14 10:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsDelinquent Credit History Does Not Meet Guideline Requirements Lender exception for insufficient seasoning for forbearance. Forbearance on borrower's primary residence xxxxx < 48 months seasoning requirement. Borrower had a HUD partial claim deed of trust for $xxxxx due to past due xxxxxx mortgage payments. - Due Diligence Vendor-11/14/2025 |  | Waived-Exception granted with compensating factorsDelinquent Credit History Does Not Meet Guideline Requirements Lender exception for insufficient seasoning for forbearance. Forbearance on borrower's primary residence xxxxx < 48 months seasoning requirement. Borrower had a HUD partial claim deed of trust for xxxxx due to past due xxxxxx mortgage payments. - Due Diligence Vendor-11/14/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 115.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years | 712 credit score Exceeds minimum credit score of 680<br> All consumer credit paid as agreed<br> Borrower meets reserves requirement. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 852653 | xxxxxx | D A | Closed | xxxxxx | 2025-11-03 01:03 | 2025-11-05 12:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Open-Title Document is missing Provide Full Title Document for the Subject Property " xxxxxx ". Currently Available Title Supplement Report only Page# 860, 861. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-11/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.12 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | PRELIM TITLE REPORT.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852793 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853113 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853220 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853344 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853414 | xxxxxx | D A | Closed | xxxxxx | 2026-02-16 15:46 | 2026-02-18 13:44 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Deed of Trust Signature does not match Note | Resolved-Signed Name Affidavit provided. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. I have consulted with our Collateral Analyst to bring this condition to their attention. They responded that since we have a name affidavit (uploaded) covering B2's different names, that no correction is required. Can you please confirm you are ok with this or do we need to run an exception. Please advise and xxxxxx! - Due Diligence Vendor-02/18/2026 <br> Open-Borrower 2 Signature does not match Note. Mortgage executed by Bor 2 with "xxxxxx" at end of name. - Due Diligence Vendor-02/16/2026 |  | Resolved-Signed Name Affidavit provided. - Due Diligence Vendor-02/18/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 96.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 853414_xxxxxx_853414_Name_Affidavit.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853414 | xxxxxx | D A | Closed | xxxxxx | 2026-02-14 08:39 | 2026-02-18 13:42 | 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-02/18/2026 <br> Ready for Review-Document Uploaded. Please see the attached Fraud Report used by our UW to satisfy this requirement. - Due Diligence Vendor-02/18/2026 <br> Open-Missing Third Party Fraud Report Fraud Report is missing in the loan file. - Due Diligence Vendor-02/14/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/18/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 96.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 853414_xxxxxx_Fraud_Audit_ADV120CivilCourt.pdf<br> 853414_xxxxxx_Fraud_Report_Clear.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853454 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853476 | xxxxxx | C A | Closed | xxxxxx | 2025-11-21 08:11 | 2025-11-21 16:00 | Resolved | 1 - Information C A | Credit | Income | DSCR is less than the guideline minimum | Resolved- - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. It's not dscr of 1. Please refer to lock form. It is IO. DSCR of .75-.99. Please see attached. - Seller-11/21/2025 <br> Open-TPR verified a lower DSCR than what lender has on there approval. TPR verified .884 DSCR using following calcs: P&I = $3478.13, Taxes xxxxxx and xxxxxx a month for a total PITIA = $4300.37. (Rent / Market and lease are both $3800 and rent can not be grossed up by 120%) $3800/$4300.37 = .884. TPR is unable to verify what lender actually used for DSCR calcs as supporting documentation is missing from file. Rate lock also is missing from to verify what the minimum DSCR allowed is. Per approval in file under doc pg #194 reflects minimum of 1.00 - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. It's not dscr of 1. Please refer to lock form. It is IO. DSCR of .75-.99. Please see attached. - Seller-11/21/2025<br>| Resolved- - Due Diligence Vendor-11/21/2025  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 75 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.52 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | conditioned docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853512 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 853537 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853655 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853890 | xxxxxx | D A | Closed | xxxxxx | 2026-03-24 15:41 | 2026-03-26 14:58 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-BPO provided - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/26/2026 <br> Open- - Due Diligence Vendor-03/24/2026 |  | Resolved-BPO provided - Due Diligence Vendor-03/26/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years |  | xxxxxx CDA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 853971 | xxxxxx | C A | Closed | xxxxxx | 2026-05-01 06:20 | 2026-05-07 14:09 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Discount Fee Test | Resolved-Lender rebuttal includes DIDMCA pre-emption verbiage. - Due Diligence Vendor-05/07/2026 <br> Resolved- - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. Please review - Discount Fee Rebuttal attached. - Due Diligence Vendor-05/06/2026 <br> Counter-\*\*Received missing disclosures. Loan still fails xxxxxx sum of all discount points 2% of the original principal amount threshold. - Due Diligence Vendor-05/04/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <br> Open-This loan failed the discount fee test. (xxxxxx ST § 1343.011(B))The sum of all discount points is greater than 2% of the original principal amount. Discount points means any charges, whether or not actually denominated as "discount points," that are paid by the seller or the buyer of residential real property to a residential mortgage lender or that are deducted and retained by a residential mortgage lender from the proceeds of the residential mortgage. "Discount points" does not include the costs associated with settlement services as defined in RESPA. \*\*\*\*\*\*\*\*\*\*\*\*\* Discount Fee Test: FAIL Charge $10,691.90 Amount Allowed $4,690.00 = violation amount of $6,001.90. Loan Detail report indicates xxxxxx State Rules were not tested. Additionally please confirm the Rate Lock Date as there is some indication the loan was relocked on xxxxxx. xxxxxx - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-05/01/2026 |  | Resolved-Lender rebuttal includes DIDMCA pre-emption verbiage. - Due Diligence Vendor-05/07/2026 | 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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.9% Is Below The Guideline Maximum Of 75% 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 - 23.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.92 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review853971_xxxxxx_5_6_2026_23445_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853971 | xxxxxx | C A | Closed | xxxxxx | 2026-05-01 12:52 | 2026-05-04 11:50 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received missing disclosures - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Please see attached initial cd and interim cds. - Due Diligence Vendor-05/04/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the CLOSING DISCLOSURES dated xxxxxx 9:54 AM, xxxxxx 3:07 PM, xxxxxx 4:39 PM, xxxxxx 5:03 PM, xxxxxx 5:57 PM (please advise if this is a RELOCK date), xxxxxx 6:53 PM, xxxxxx 6:02 PM ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/01/2026 |  | Resolved-\*\*Received missing disclosures - Due Diligence Vendor-05/04/2026<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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.9% Is Below The Guideline Maximum Of 75% 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 - 23.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.92 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review853971_xxxxxx_5_1_2026_50113_PM.zip<br> 853971_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260313_163951.pdf<br> 853971_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260209_095448.pdf<br> 853971_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260209_150743.pdf<br> 853971_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260319_170328.pdf<br> 853971_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260402_175722.pdf<br> 853971_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260406_185337.pdf<br> 853971_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260408_132916.pdf<br> 853971_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260407_180303.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 853971 | xxxxxx | C A | Closed | xxxxxx | 2026-05-01 13:12 | 2026-05-04 11:50 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*Received missing disclosures - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx LE and COC. - Due Diligence Vendor-05/04/2026 <br> Open-\*\*\*\*\*\*\*\*\*\*\* \*\*\*\*\*\*Documentation provided does not contain the Loan Estimate dated xxxxxx. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx. - Due Diligence Vendor-05/01/2026 |  | Resolved-\*\*Received missing disclosures - Due Diligence Vendor-05/04/2026<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>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.9% Is Below The Guideline Maximum Of 75% 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 - 23.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.92 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review853971_xxxxxx_5_1_2026_50155_PM.zip<br> 853971_xxxxxx_LE.pdf<br> 853971_xxxxxx_Changed_Circumstance_Form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854208 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-28 17:30 | 2026-02-25 08:36 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. See CDA - Due Diligence Vendor-02/25/2026 <br> Counter-Missing CDA as per Guidelines: "If both scores" (CU & LCA) are provided, both are required to be 2.5 or less. LCA is 3/Not Eligible - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Only the xxxxxx SSR was sent in Pre Qual, both were sent in with Post Close submission, will need CDA do to xxxxxx score was higher than 2.5 - Due Diligence Vendor-01/30/2026 <br> Open-If both scores (CU & LCA) are provided, both are required to be 2.5 or less. - Due Diligence Vendor-01/28/2026 |  | Resolved- - Due Diligence Vendor-02/25/2026  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 854208_xxxxxx_RDA_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854208 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-25 22:54 | 2026-01-25 22:54 | Waived | 2 - Non-Material B | Credit | Eligibilty | Loan does not conform to program guidelines | Waived-Exception granted with compensating factors-Allow power of attorney on cash out transaction. - Due Diligence Vendor-01/26/2026 |  | Waived-Exception granted with compensating factors-Allow power of attorney on cash out transaction. - Due Diligence Vendor-01/26/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | -LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> - Experienced investor owns and manages 5 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 854736 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-06 17:54 | 2025-12-12 11:00 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Revised 1008 uploaded - Seller-12/11/2025 <br> Counter-Subject loan is a DSCR and the 1008 reflects a DTI Ratio percentage - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. - Seller-12/10/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/06/2025 | Ready for Review-Document Uploaded. Revised 1008 uploaded - Seller-12/11/2025 <br>Ready for Review-Document Uploaded. - Seller-12/10/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/12/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.73 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 1008.pdf<br>1008 revised.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854736 | xxxxxx | D A B | Closed | xxxxxx | 2025-12-06 17:35 | 2025-12-10 10:20 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-1-4 Family Rider provided. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. The 1-4 rider is the assignment rider - Seller-12/10/2025 <br> Open-1-4 Family Rider is Missing - Due Diligence Vendor-12/06/2025 | Ready for Review-Document Uploaded. The 1-4 rider is the assignment rider - Seller-12/10/2025<br>| Resolved-1-4 Family Rider provided. - Due Diligence Vendor-12/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 98.73 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 1-4 RIDER.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854866 | xxxxxx | D A | Closed | xxxxxx | 2026-01-12 04:57 | 2026-01-19 08:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-01/19/2026 <br> Ready for Review-Document Uploaded. 1/16/26 - Lender response: please remove xxxxxx assets - brwr should has enough reserves without the xxxxxx - see updated 1003. - Due Diligence Vendor-01/18/2026 <br> Open-Updated verbiage. - Due Diligence Vendor-01/14/2026 <br> Open-Asset 2 Missing Provide the complete asset statements for xxxxxx. - Due Diligence Vendor-01/14/2026 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-01/19/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 854866_xxxxxx_updated_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854943 | xxxxxx | B A | Closed | xxxxxx | 2026-03-17 10:03 | 2026-03-17 10:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted with compensating factorsAudited FICO of 695 is less than Guideline FICO of 700 Min credit score is 700 for first time investor. Seek exception to allow with 695 score - Due Diligence Vendor-03/17/2026 |  | Waived-Exception granted with compensating factorsAudited FICO of 695 is less than Guideline FICO of 700 Min credit score is 700 for first time investor. Seek exception to allow with 695 score - Due Diligence Vendor-03/17/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 165.42 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.26% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 70% By Five Percent (5%) Or More | DSCR > 1.3<br> Reserves exceed requirement by 10 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 855090 | xxxxxx | D B C A | Closed | xxxxxx | 2026-04-10 11:27 | 2026-04-15 17:49 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Prepayment Penalty Information Unavailable | Resolved-PPP is present - Due Diligence Vendor-04/15/2026 <br> Open-Provide LOE, Rider to Security instrument and proof of recording (LOI to record - Due Diligence Vendor-04/10/2026 <br> Open-Document Uploaded. - Due Diligence Vendor-04/10/2026 <br> Open- - Due Diligence Vendor-04/10/2026 |  | Resolved-PPP is present - Due Diligence Vendor-04/15/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 855090 3yr PPP (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855090 | xxxxxx | D B C A | Closed | xxxxxx | 2026-04-06 06:15 | 2026-04-14 08:18 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. See attached final 1003 - Due Diligence Vendor-04/10/2026 <br> Open-The Final 1003 is Missing - Due Diligence Vendor-04/06/2026 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-04/14/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 855090_xxxxxx_Final_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855090 | xxxxxx | D B C A | Closed | xxxxxx | 2026-04-06 17:37 | 2026-04-06 17:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsAllow less than 12 months housing history on primary. (8 Months) <br> Borrower was not on title at the time of application. - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 |  | Waived-Exception granted with compensating factorsAllow less than 12 months housing history on primary. (8 Months) <br> Borrower was not on title at the time of application. - Due Diligence Vendor-04/06/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.71% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | Credit Score 30+ points > minimum required.<br> DSCR > 1.15. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 855160 | xxxxxx | D A | Closed | xxxxxx | 2026-02-11 11:55 | 2026-02-24 08:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. See attached Guaranty Agreement - Due Diligence Vendor-02/23/2026 <br> Open-Personal Guaranty is missing. Personal Guaranty was not in the file and is required since borrower is a business entity - Due Diligence Vendor-02/11/2026 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-02/24/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.98 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 36.98 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.88% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 52.88% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 671 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Qualifying FICO Of 671 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 855160_xxxxxx_guaraty.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 855187 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 855225 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 855395 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855396 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-04 08:20 | 2025-12-05 07:55 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-desk review provided - Due Diligence Vendor-12/05/2025<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 660 By Twenty (20) or More Points<br> Subject Property Rent Potential - Subject property has a market rent estimate of $9,800/month and current rents of $7,340 resulting in an additional potnetial rental income of $2,460/month not utilized in qualifying |  | APPRAISAL REVIEW (11).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855396 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-03 17:26 | 2025-12-03 17:26 | Waived | 2 - Non-Material B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted with compensating factorsVerification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Approved exception with comp factors to waive the requirement for 6 months of cancelled checks for this condition since the borrower <br> pays in cash. - Due Diligence Vendor-12/03/2025 |  | Waived-Exception granted with compensating factorsVerification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Approved exception with comp factors to waive the requirement for 6 months of cancelled checks for this condition since the borrower <br> pays in cash. - Due Diligence Vendor-12/03/2025 | 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 660 By Twenty (20) or More Points<br> Subject Property Rent Potential - Subject property has a market rent estimate of $9,800/month and current rents of $7,340 resulting in an additional potnetial rental income of $2,460/month not utilized in qualifying | 723 FICO vs minimum of 660. LTV is 75% vs maximum of 80% LTV. DSCR is 1.07 vs minimum of 1. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 855419 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855467 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855617 | xxxxxx | D A | Closed | xxxxxx | 2026-03-05 13:06 | 2026-03-06 15:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity docs provided. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached Entity documentation. - Buyer-03/06/2026 <br> Counter-Provide all Entity Documents for xxxxxx - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached EIN documentation. - Due Diligence Vendor-03/06/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN xxxxxx- Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Due Diligence Vendor-03/05/2026 |  | Resolved-Entity docs provided. - Due Diligence Vendor-03/06/2026 | 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 108.47 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 855617_xxxxxx_EIN.pdf<br> 56310129 (1).pdf<br> DocPackage_xxxxxx_20260113_125105.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855783 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855787 | xxxxxx | B A | Closed | xxxxxx | 2026-03-03 03:10 | 2026-03-04 07:59 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Approval - Loan Terms. - Due Diligence Vendor-03/04/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/03/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/04/2026 | 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 753 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 64.62% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 855787_xxxxxx_Loan_#855787_LDL-Report_UPDATED_2-20-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855801 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855834 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856107 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856108 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856146 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856233 | xxxxxx | D A | Closed | xxxxxx | 2026-03-19 14:32 | 2026-03-27 08:19 | 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-03/27/2026 <br> Ready for Review-Document Uploaded. Please see attached Fraud Report. - Due Diligence Vendor-03/26/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/19/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/27/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 856233_xxxxxx_Fraud_Report.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856233 | xxxxxx | D A | Closed | xxxxxx | 2026-03-19 14:28 | 2026-03-27 08:17 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/27/2026 <br> Resolved-Insurance updated - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. 3/26/26 - please see prior HOI - Due Diligence Vendor-03/26/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx Missing evidence of previous hazard policy, current file copy says renewal but previous not in file. - Due Diligence Vendor-03/19/2026 |  | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/27/2026 <br> Resolved-Insurance updated - Due Diligence Vendor-03/27/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 856233_xxxxxx_HOI.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856334 | xxxxxx | C B A | Closed | xxxxxx | 2026-06-10 22:32 | 2026-06-10 22:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Exception granted with compensating factorsException granted with compensating factors to waive documentation to evidence extension. Loan was verbally extended by creditor through closing date of xxxxxx. - Due Diligence Vendor-06/11/2026 <br> Open-Note on the subject property matured on xxxxxx. Missing evidence of loan extension through closing date xxxxxx. - Due Diligence Vendor-06/11/2026 |  | Waived-Exception granted with compensating factorsException granted with compensating factors to waive documentation to evidence extension. Loan was verbally extended by creditor through closing date of xxxxxx. - Due Diligence Vendor-06/11/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 856334 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-18 08:03 | 2025-12-18 08:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsException granted with supporting comp factors: BORROWERS PAID THEIR PREVIOUS MORTGAGE ON THE PRIMARY RESIDENCE IN CASH. EXCEPTION IS REQUIRED DUE TO INABILITY TO DOCUMENT A PORTION OF THE 12-MONTH MORTGAGE PAYMENT HISTORY - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 |  | Waived-Exception granted with compensating factorsException granted with supporting comp factors: BORROWERS PAID THEIR PREVIOUS MORTGAGE ON THE PRIMARY RESIDENCE IN CASH. EXCEPTION IS REQUIRED DUE TO INABILITY TO DOCUMENT A PORTION OF THE 12-MONTH MORTGAGE PAYMENT HISTORY - Due Diligence Vendor-12/18/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | LTV OF 44%; <br> 0X30X12 VOM ON SUBJECT PROPERTY WITH 12 MONTHS CANCELLED CHECKS; <br> BORROWERS ARE EXPERIENCED INVESTOR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 856334 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-16 06:28 | 2025-12-18 08:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION REQUIRED FOR xxxxxx LOAN AMOUNT LESS THAN $150,000 MINIMUM ALLOWED - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/17/2025 <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000. no exception approval noted for this. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/17/2025<br>| Waived-Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION REQUIRED FOR xxxxxx LOAN AMOUNT LESS THAN $150,000 MINIMUM ALLOWED - Due Diligence Vendor-12/18/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | LTV OF 44%; <br> 0X30X12 VOM ON SUBJECT PROPERTY WITH 12 MONTHS CANCELLED CHECKS; <br> BORROWERS ARE EXPERIENCED INVESTOR | EXCEPTION FORM - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 856334 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-16 06:32 | 2025-12-16 06:32 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-Exception granted with compensating factorsEXCEPTION APPROVAL TO USE THE HIGHER RENT AMOUNT ON THE LEASE (CAPPED AT 120% OF MARKET RENT) DUE TO INITIAL PAYMENTS WERE MADE IN CASH. - Due Diligence Vendor-12/16/2025 |  | Waived-Exception granted with compensating factorsEXCEPTION APPROVAL TO USE THE HIGHER RENT AMOUNT ON THE LEASE (CAPPED AT 120% OF MARKET RENT) DUE TO INITIAL PAYMENTS WERE MADE IN CASH. - Due Diligence Vendor-12/16/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | LTV OF 44%; 0X30X12 VOM ON SUBJECT PROPERTY WITH 12 MONTHS CANCELLED CHECKS; BORROWERS ARE EXPERIENCED INVESTOR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 856334 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-16 06:30 | 2025-12-16 06:30 | Waived | 2 - Non-Material B | Credit | Borrower | Borrower Identification Documentation Partially Provided | Waived-Exception granted with compensating factorsEXCEPTION APPROVAL TO USE W-7 IN LIEU OF ITIN RENEWAL FROM IRS.<br> - Due Diligence Vendor-12/16/2025 |  | Waived-Exception granted with compensating factorsEXCEPTION APPROVAL TO USE W-7 IN LIEU OF ITIN RENEWAL FROM IRS.<br> - Due Diligence Vendor-12/16/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | LTV OF 44%; 0X30X12 VOM ON SUBJECT PROPERTY WITH 12 MONTHS CANCELLED CHECKS; BORROWERS ARE EXPERIENCED INVESTOR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 856334 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-16 06:28 | 2025-12-16 06:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception granted with compensating factorsAudited Reserves of 0.68 are less than Guideline Required Reserves of 6 EXCEPTION APPROVAL TO WAIVE 6-MONTH RESERVES REQUIREMENT. - Due Diligence Vendor-12/16/2025 |  | Waived-Exception granted with compensating factorsAudited Reserves of 0.68 are less than Guideline Required Reserves of 6 EXCEPTION APPROVAL TO WAIVE 6-MONTH RESERVES REQUIREMENT. - Due Diligence Vendor-12/16/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 44% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | LTV OF 44%; 0X30X12 VOM ON SUBJECT PROPERTY WITH 12 MONTHS CANCELLED CHECKS; BORROWERS ARE EXPERIENCED INVESTOR |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 856336 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-16 14:24 | 2025-12-17 12:09 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Signed & Stamped CTC from Title company HUD/SS provided. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/17/2025 <br> Open-. Provide final closing statement for the subject property refinance to ensure adequate funds required to close, as the statements provided all reflect estimated. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/17/2025<br>| Resolved-Signed & Stamped CTC from Title company HUD/SS provided. - Due Diligence Vendor-12/17/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Experienced real estate investor - Borrower is a long term real estate investor with an additional investment property |  | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856336 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-16 03:52 | 2025-12-16 03:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsAudited LTV of 75% exceeds Guideline LTV of 70% Guidelines require 5% LTV reduction or a maximum of 70% LTV for unleased properties in a refinance transaction. Requesting to maintain at 75% LTV with 2 units vacant. - Due Diligence Vendor-12/16/2025 |  | Waived-Exception granted with compensating factorsAudited LTV of 75% exceeds Guideline LTV of 70% Guidelines require 5% LTV reduction or a maximum of 70% LTV for unleased properties in a refinance transaction. Requesting to maintain at 75% LTV with 2 units vacant. - Due Diligence Vendor-12/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Experienced real estate investor - Borrower is a long term real estate investor with an additional investment property | Borrower's FICO score is 105 points higher than the minimum score required by the program |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 856564 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856600 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856607 | xxxxxx | D A | Closed | xxxxxx | 2026-05-04 11:48 | 2026-05-05 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA document provided - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. Please find the HOA details for REO used by UW to qualify requirement. xxxxxx! - Due Diligence Vendor-05/05/2026 <br> Open-Missing verification of taxes, insurance and HOA if applicable for xxxxxx to verify PITIA - Due Diligence Vendor-05/04/2026 |  | Resolved-HOA document provided - Due Diligence Vendor-05/05/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 711 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.19 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.19 Years |  | 856607_xxxxxx_Most_recent_HOA.pdf<br> 856607_xxxxxx_#1k_HOA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856607 | xxxxxx | D A | Closed | xxxxxx | 2026-05-04 11:22 | 2026-05-05 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. Please find attached the xxxxxx UW Income Worksheet. xxxxxx! - Due Diligence Vendor-05/05/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary missing lender worksheet to verify SE income. does not match income worksheet in file. no explanation of how income was calculated - Due Diligence Vendor-05/04/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/05/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 711 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.19 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.19 Years |  | 856607_xxxxxx_updated_P&L.pdf<br> 856607_xxxxxx_Loan_#856607_LDL-Report_UPDATED_4-10-26.pdf<br> 856607_xxxxxx_Updated_CPA_letter_xxxxxx.pdf<br> 856607_xxxxxx_P&L.pdf<br> 856607_xxxxxx_856607_UW_Income_Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856617 | xxxxxx | B A | Closed | xxxxxx | 2026-01-29 06:08 | 2026-01-30 15:09 | Waived | 2 - Non-Material B | Property | Appraisal | Appraiser's license is expired/deficient | Waived-Exception granted with compensating factorsWe are asking for an exception on the appraiser being state licensed but not state certified. Per xxxxxx UW, the appraiser is not state certified. With the main difference between licensure and certification being a certified appraiser is allowed to appraiser more complex, larger commercial or high-value residential properties and the subject property being a SFR valued at xxxxxx, a state licensed appraiser should be qualified to provide an accurate valuation on the subject property. We have provided a CDA that supports the appraisal value. - Due Diligence Vendor-01/29/2026 |  | Waived-Exception granted with compensating factorsWe are asking for an exception on the appraiser being state licensed but not state certified. Per xxxxxx UW, the appraiser is not state certified. With the main difference between licensure and certification being a certified appraiser is allowed to appraiser more complex, larger commercial or high-value residential properties and the subject property being a SFR valued at xxxxxx, a state licensed appraiser should be qualified to provide an accurate valuation on the subject property. We have provided a CDA that supports the appraisal value. - Due Diligence Vendor-01/29/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.59% Is Below The Guideline Maximum Of 65% 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 - 21.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.52 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 856617 | xxxxxx | B A | Closed | xxxxxx | 2026-01-29 06:05 | 2026-01-29 06:05 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Exception granted with compensating factorsCalculated DSCR of 1.174 is less than guideline DSCR of 1.25. We are requesting an exception for DSCR < 1.25 on loan amount < $150,000. - Due Diligence Vendor-01/29/2026 |  | Waived-Exception granted with compensating factorsCalculated DSCR of 1.174 is less than guideline DSCR of 1.25. We are requesting an exception for DSCR < 1.25 on loan amount < $150,000. - Due Diligence Vendor-01/29/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.59% Is Below The Guideline Maximum Of 65% 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 - 21.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.52 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 856643 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 856752 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 856780 | xxxxxx | B A | Closed | xxxxxx | 2026-02-05 06:05 | 2026-02-05 06:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-Exception granted with compensating factorsasking to use the seller concession per contract which is higher than the 6% in guidelines. xxxxxx giving xxxxxx on a xxxxxx purchase price 8% - Due Diligence Vendor-02/05/2026 |  | Waived-Exception granted with compensating factorsasking to use the seller concession per contract which is higher than the 6% in guidelines. xxxxxx giving xxxxxx on a xxxxxx purchase price 8% - Due Diligence Vendor-02/05/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55.9% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | TV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DSCR > 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 856788 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 856796 | xxxxxx | C A B | Closed | xxxxxx | 2026-04-24 08:16 | 2026-04-29 19:00 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD. - Due Diligence Vendor-04/28/2026 <br> Open- - Due Diligence Vendor-04/24/2026 <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 xxxxxx 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-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 |  | Resolved-PCCD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-04/29/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.80 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70.02% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 856796_xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856796 | xxxxxx | C A B | Closed | xxxxxx | 2026-04-24 07:15 | 2026-04-28 14:19 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Approval - Loan Terms. - Due Diligence Vendor-04/28/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/24/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/28/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.80 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70.02% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 856796_xxxxxx_Eligibility_Review_UW_xxxxxx_Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 856817 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-20 07:53 | 2026-04-27 10:04 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received ICD - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. Please see attached Initial CD and Acknowledgment. - Due Diligence Vendor-04/23/2026 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower.. - Due Diligence Vendor-04/20/2026 |  | Resolved-\*\*\*Received ICD - Due Diligence Vendor-04/27/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | Full Review856817_xxxxxx_4_23_2026_111859_AM.zip<br> 856817_xxxxxx_ICD_ACKNOLEDGED..pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856817 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-17 13:48 | 2026-04-24 06:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached Fraud Report for Gap Credit Report. - Due Diligence Vendor-04/23/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Gap credit report missing- per guidelines- A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing <br> - Due Diligence Vendor-04/17/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/24/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | 856817_xxxxxx_BANK_STATEMENT_INCOME_REVEIW_SUMMARY.pdf<br> 856817_xxxxxx_FRAUD_REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856817 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-17 03:48 | 2026-04-24 06:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached Lender Income Calculation Worksheet. - Due Diligence Vendor-04/23/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/17/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/24/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More | Missing Lender Worksheet or Bank Statement Summary | 856817_xxxxxx_INCOME_CALCULATION.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 856861 | xxxxxx | D A | Closed | xxxxxx | 2026-02-16 00:44 | 2026-02-19 13:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached HOI and RCE. - Due Diligence Vendor-02/19/2026 <br> Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-02/16/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/19/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 42.96 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 856861_xxxxxx_Hazard_Ins_Policy_and_RCE_DT2601563.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856982 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857160 | xxxxxx | C A | Closed | xxxxxx | 2026-04-30 11:34 | 2026-06-02 12:03 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received missing disclosures - Due Diligence Vendor-06/02/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-06/02/2026 <br> Ready for Review-Document Uploaded. Please see attached CDs for xxxxxx. - Due Diligence Vendor-06/01/2026 <br> Counter-Documentation provided is for a different property/borrower. \*\*Please provide missing Initial Closing Disclosure and any other possible missing TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), to assure TPR has all TRID disclosure for full and accurate testing. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/28/2026 <br> Ready for Review-Document Uploaded. Please see the attached initial cd and interim cds. - Due Diligence Vendor-05/04/2026 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/30/2026 |  | Resolved-\*\*Received missing disclosures - Due Diligence Vendor-06/02/2026 | 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 693 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 34.89% Is Below The Guideline Maximum Of 75% 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 Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<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 51.75 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.84 Years |  | Full Review857160_xxxxxx_5_1_2026_21510_PM.zip<br> 857160_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260217_190711.pdf<br> 857160_xxxxxx_xxxxxx_FinalComplianceCheck.pdf<br> 857160_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260402_140205.pdf<br> 857160_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260310_211558.pdf<br> 857160_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260402_112104.pdf<br> 857160_xxxxxx_ClosingDisclosurePkg_xxxxxx__20260313_110251.pdf<br> Full Review857160_xxxxxx_6_1_2026_15644_PM.zip<br> 857160_xxxxxx_TridDisclosureSummary_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857180 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-14 08:17 | 2026-01-28 13:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Exception granted with compensating factorsDocument Uploaded. - Due Diligence Vendor-01/28/2026 <br> Waived-Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-The Approved Exception form does not address the builder being in control - xxxxxx: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-xxxxxx: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 | Waived-Exception granted with compensating factorsDocument Uploaded. - Due Diligence Vendor-01/28/2026 <br> Waived-Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/16/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 3540.95 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | All consumer credit paid as agreed in the most recent 12 months.<br> Borrower exceeds minimum credit score requirement by 142 points<br> Current LTV is 15% less than max allowed.<br> DSCR ratio of 1.00. | EXCEPTION FORM.pdf<br> xxxxxx GUIDELINE EXCEPTION.pdf<br> xxxxxx ADDENDUM TO NOTE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857180 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-09 03:54 | 2026-01-14 08:17 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Page 13 - Seller-01/13/2026 <br> Open-Appraisal is Missing missing appraisal and rent comparable schedule - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Page 13 - Seller-01/13/2026<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 3540.95 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857180 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-09 04:30 | 2026-01-09 04:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsEXCEPTION ON MORE THAN $5,000,000 xxxxx EXPOSURE ON THE PROJECT. - Due Diligence Vendor-01/09/2026 |  | Waived-Exception granted with compensating factorsEXCEPTION ON MORE THAN $5,000,000 xxxxx EXPOSURE ON THE PROJECT. - Due Diligence Vendor-01/09/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 3540.95 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | COMPENSATING FACTORS: <br> • All consumer credit paid as agreed in the most recent 12 months. <br> • Borrower exceeds minimum credit score requirement by 142 points <br> • Current LTV is 15% less than max allowed. <br> • DSCR ratio of 1.00. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857184 | xxxxxx | D B C A | Closed | xxxxxx | 2026-05-04 13:22 | 2026-05-04 13:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsException to allow exposure that exceeds guideline maximum provided - Due Diligence Vendor-05/04/2026 <br> Open-xxxxx total exposure on the project exceeds guideline maximum of $5mm - Due Diligence Vendor-05/04/2026 |  | Waived-Exception granted with compensating factorsException to allow exposure that exceeds guideline maximum provided - Due Diligence Vendor-05/04/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2874.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | All consumer credit paid as agreed in the most recent 12 months. <br> Borrower exceeds minimum credit score requirement by 142 points. <br> Current LTV is 15% less than max allowed. <br> DSCR ratio of 1.00 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857184 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-14 08:20 | 2026-02-04 17:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Exception granted with compensating factorsClient exception granted with compensating factors to accept HOA under builder control - Due Diligence Vendor-02/04/2026 <br> Counter-yes, The Approved Exception form needs to address the builder being in control - Due Diligence Vendor-01/16/2026 <br> Ready for Review-are you asking for the exception form to state builder being in control - Seller-01/15/2026 <br> Counter-The Approved Exception form does not address the builder being in control - xxxxxx: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-xxxxxx: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. - Due Diligence Vendor-01/14/2026 | Ready for Review-are you asking for the exception form to state builder being in control - Seller-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 | Waived-Exception granted with compensating factorsClient exception granted with compensating factors to accept HOA under builder control - Due Diligence Vendor-02/04/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2874.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | All consumer credit paid as agreed in the most recent 12 months. <br> Borrower exceeds minimum credit score requirement by 142 points. <br> Current LTV is 15% less than max allowed. <br> DSCR ratio of 1.00 | EXCEPTION FORM.pdf<br>EXCEPTION FORM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857184 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-11 00:48 | 2026-01-28 13:31 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br> Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Page 13 - Seller-01/13/2026 <br> Open-Appraisal is Missing Missing appraisal with rent comparable - Due Diligence Vendor-01/11/2026 | Ready for Review-Document Uploaded. Page 13 - Seller-01/13/2026 | Resolved-Document Uploaded. - Due Diligence Vendor-01/28/2026 <br> Resolved-Appraisal has been provided - Due Diligence Vendor-01/14/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2874.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | APPRAISAL.pdf<br> xxxxxx ADDENDUM TO NOTE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857184 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-11 04:48 | 2026-01-11 04:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/11/2026 |  | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. EXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/11/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2874.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | All consumer credit paid as agreed in the most recent 12 months. <br> Borrower exceeds minimum credit score requirement by 142 points. <br> Current LTV is 15% less than max allowed. <br> DSCR ratio of 1.00 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857193 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857199 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857214 | xxxxxx | D A | Closed | xxxxxx | 2026-02-10 10:42 | 2026-02-15 07:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/15/2026 <br> Ready for Review-Please re-review policy it shows building coverage as xxxxxx. This was reviewed preclose, can you please advise if acceptable - Due Diligence Vendor-02/15/2026 <br> Counter-The policy provided does not state the Dwellings coverage for the Property - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Please see uploaded HOI - Due Diligence Vendor-02/13/2026 <br> Counter-No document attached, please re-upload - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Please see HOI - Due Diligence Vendor-02/11/2026 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-02/10/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/15/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 857214_xxxxxx_Insurance_-_Renewal_Policy_(2).pdf<br> 857214_xxxxxx_Insurance_-_Renewal_Policy_Invoice_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857214 | xxxxxx | D A | Closed | xxxxxx | 2026-02-10 12:38 | 2026-02-12 11:43 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-02/11/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/10/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/12/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 857214_xxxxxx_Committee_Review_Sheet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857347 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-17 08:22 | 2026-01-30 14:52 | Waived | 2 - Non-Material C B | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Subject Property on Note does not match Insured Property Address - Due Diligence Vendor-01/30/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted - Due Diligence Vendor-01/30/2026 <br> Counter-Missing mortgage with the correct xxxxxx - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. Please see 1003 and PCCD - Due Diligence Vendor-01/27/2026 <br> Counter-Missing mortgage, 1003 and FCD with the correct xxxxxx - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Please see corrected note - Due Diligence Vendor-01/26/2026 <br> Open-Subject Property on Note does not match Insured Property Address Note, mortgage, 1003 and FCD have xxxxxx instead of correct xxxxxx as seen on other documents including hazard policy. - Due Diligence Vendor-01/17/2026 |  | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Subject Property on Note does not match Insured Property Address - Due Diligence Vendor-01/30/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.13 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Compensating Factor 1 - DSCR > 1.15 <br> Compensating Factor 2 - Reserves exceed requirement by 10 months or more | 857347_xxxxxx_NOTE_CORRECTED.pdf<br> 857347_xxxxxx.pdf<br> 857347_xxxxxx_2.pdf<br> 857347_xxxxxx_3.pdf<br> 857347_xxxxxx_1003.pdf<br> 857347_xxxxxx_PCCD.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 857347 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-16 01:13 | 2026-01-22 12:30 | 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-01/22/2026 <br> Ready for Review-Document Uploaded. Please see fraud report - Due Diligence Vendor-01/21/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/16/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/22/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.13 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 857347_xxxxxx_fraud_updated.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857358 | xxxxxx | B A | Closed | xxxxxx | 2026-01-29 00:11 | 2026-02-03 07:33 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. See attached pre approval - Due Diligence Vendor-02/02/2026 <br> Open-1008/Underwriting Summary Not Provided Final 1008/Underwriting Summary Not Provided - Due Diligence Vendor-01/29/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/03/2026 | 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 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 58.14% Is Below The Guideline Maximum Of 75% 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 Borrower At Current Residence For Five (5) Or More Years - 7.17 Years<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 36.42 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 857358_xxxxxx_Loan_#857358_LDL-Report_1-20-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857394 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-19 17:01 | 2026-02-02 13:18 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Updated 1003 & 1008 provided - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Counter-Document Uploaded. Final 1003 reflects additional xxxxxx accounts and Gift Funds, if no longer using or needed, an updated 1003 Section 2a & 4d is needed. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. Not needed, assets were not used for funds to close and reserves. Asset used is from xxxxxx (attached is the CPA letter) - Seller-01/29/2026 <br> Counter-Access letter for all additional business owners and evidence withdrawal will not harm business via CPA letter, cash flow analysis or balance sheet. and Verification of Borrower's Business ownership percentage is missing for xxxxxx and xxxxxx - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open--Verification of Gift funds and transfer documentation are missing from the file.<br> - Verification of Borrower's Business ownership percentage is missing for xxxxxx and xxxxxx. Access letter for all additional business owners and evidence withdrawl will not harm business via CPA letter, cash flow anaylysis or balance sheet. - Due Diligence Vendor-01/19/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Ready for Review-Document Uploaded. Not needed, assets were not used for funds to close and reserves. Asset used is from xxxxxx (attached is the CPA letter) - Seller-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 | Resolved-Updated 1003 & 1008 provided - Due Diligence Vendor-02/02/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 498.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | LLC OPERATING AGREEMENT & DOCUMENTS - VESTING.pdf<br> CPA Letter - xxxxxx.pdf<br> Assets.png<br> xxxxxx.png<br> 1008 - xxxxxx.pdf<br> 1003 - xxxxxx 0086.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857394 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-19 17:25 | 2026-01-30 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity documents provided. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Counter-Missing Operating Agreement for xxxxxx. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement for xxxxxx. - Due Diligence Vendor-01/19/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 | Resolved-Entity documents provided. - Due Diligence Vendor-01/30/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 498.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | LLC OPERATING AGREEMENT & DOCUMENTS - VESTING 2.pdf<br> LLC OPERATING AGREEMENT & DOCUMENTS - VESTING.pdf<br> Operating Agreement - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857394 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-17 00:31 | 2026-01-29 15:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Exception on project under builder developer control - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Open-xxxxxx: Per Guidelines: Property Types All Condos New Projects: project under Developer or Builder control will be considered on a case-by-case basis only. Missing Approved Lender Exception - Due Diligence Vendor-01/23/2026 <br> Rescinded-The Builder is in control of the HOA. Guidelines allow for case by case basis. - Due Diligence Vendor-01/19/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Waived-Exception granted with compensating factorsException granted with supporting comp factors: Exception on project under builder developer control - Due Diligence Vendor-01/29/2026 <br> Rescinded-The Builder is in control of the HOA. Guidelines allow for case by case basis. - Due Diligence Vendor-01/19/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 498.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | C1 property condition<br> 1.32 DSCR<br> 65% LTV | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857394 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-17 00:31 | 2026-01-23 12:26 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-Appraisal is Missing Provide 1073 appraisal to support the purchase price of xxxxxx at a minimum. Subject to review and possible additional conditions - Due Diligence Vendor-01/19/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-01/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 498.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857394 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-17 01:27 | 2026-01-23 12:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-1007 Provided - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-Missing rent comparable schedule form 1007 For xxxxxx - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026<br>| Resolved-1007 Provided - Due Diligence Vendor-01/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 498.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857394 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-19 16:39 | 2026-01-23 12:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved-PPP Rider to Note & DOT Provided - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-Prepayment Rider Missing - Due Diligence Vendor-01/19/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026<br>| Resolved-PPP Rider to Note & DOT Provided - Due Diligence Vendor-01/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 498.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | COLLATERAL PACKAGE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857394 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-19 15:04 | 2026-01-23 12:22 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-The Note is Incomplete Per program exception form and closing instructions File is missing Prepayment addendum to Note. - Due Diligence Vendor-01/19/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026<br>| Resolved-The Note is Present - Due Diligence Vendor-01/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 498.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | COLLATERAL PACKAGE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857394 | xxxxxx | D B A | Closed | xxxxxx | 2026-01-17 01:24 | 2026-01-19 17:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. - EXCEPTION ON MORE THAN $5,000,000 xxxxx EXPOSURE ON THE PROJECT<br> - Exception to allow less than 50% owner occupied on a new project. Currently there is 45.06% owner occupied units - Due Diligence Vendor-01/17/2026 |  | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. - EXCEPTION ON MORE THAN $5,000,000 xxxxx EXPOSURE ON THE PROJECT<br> - Exception to allow less than 50% owner occupied on a new project. Currently there is 45.06% owner occupied units - Due Diligence Vendor-01/17/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 498.57 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857408 | xxxxxx | C A | Closed | xxxxxx | 2026-01-20 00:33 | 2026-01-26 09:57 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-01/23/2026 <br> Counter-Please provide Prior Master HOA Policy as the one provided has an effective date of xxxxxx and the loan disbursement date is xxxxxx - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-01/22/2026 <br> Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name Provide Master Policy for the Subject Property Located at the xxxxxx. Currently Its Available Page# 424, but its Title Company Document. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-01/23/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-01/22/2026 | Resolved-Named Insured on HO-6 Master Insurance Policy matches HOA Name - Due Diligence Vendor-01/26/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.72 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 57.05% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 813 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | HOA MASTER INS_2026_01_22_@01_23_05.pdf<br> master eoi - pocb.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857486 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-29 04:16 | 2026-01-13 16:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted with compensating factorsException granted with supporting comp factors: CURRENT LOAN AMOUNT OF xxxxxx DOES NOT MEET THE MINIMUM REQUIRED OF $150,000<br> - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000. exception approval does not show this was included as part of exception approval on page 408 - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Waived-Exception granted with compensating factorsException granted with supporting comp factors: CURRENT LOAN AMOUNT OF xxxxxx DOES NOT MEET THE MINIMUM REQUIRED OF $150,000<br> - Due Diligence Vendor-01/13/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.06 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1. DSCR IS 1.12 <br> 2. FICO SCORE IS 756 <br> 3. POST-CLOSING RESERVE IS 34.06 MONTHS, PROGRAM REQUIRES 2 MONTHS.<br> 4. NEWLY CONSTRUCTION PROPERTY | Guideline Exception Form - Tran.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 857486 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-29 04:21 | 2025-12-29 04:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Subject property was listed for sale within a time period not allowed per guidelines | Waived-Exception granted with compensating factorsEXCEPTION TO USE THE APPRAISED VALUE FOR LTV CALCULATION DUE TO PROPERTY SEASONING. PROPERTY WAS ACQUIRED ON xxxxxx. PER GUIDELINES, IF OWNED LESS THAN 12 MONTHS, USE LESSER OR PURCHASE PRICE PLUS DOCUMENTED - Due Diligence Vendor-01/24/2026 |  | Waived-Exception granted with compensating factorsEXCEPTION TO USE THE APPRAISED VALUE FOR LTV CALCULATION DUE TO PROPERTY SEASONING. PROPERTY WAS ACQUIRED ON xxxxxx. PER GUIDELINES, IF OWNED LESS THAN 12 MONTHS, USE LESSER OR PURCHASE PRICE PLUS DOCUMENTED - Due Diligence Vendor-01/24/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.06 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1. DSCR IS 1.12 2. FICO SCORE IS 756 3. POST-CLOSING RESERVE IS 34.06 MONTHS, PROGRAM REQUIRES 2 MONTHS. 4. NEWLY CONSTRUCTION PROPERTY |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 857486 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-29 04:16 | 2025-12-29 04:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsAudited LTV of 65% exceeds Guideline LTV of 60% CURRENT LTV OF 65% EXCEEDS THE MAX OF 60% FOR NO PRIMARY RESIDENCE/FTHB - Due Diligence Vendor-12/29/2025 |  | Waived-Exception granted with compensating factorsAudited LTV of 65% exceeds Guideline LTV of 60% CURRENT LTV OF 65% EXCEEDS THE MAX OF 60% FOR NO PRIMARY RESIDENCE/FTHB - Due Diligence Vendor-12/29/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.06 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | 1.DSCR IS 1.12 2. FICO SCORE IS 756 3. POST-CLOSING RESERVE IS 34.06 MONTHS, PROGRAM REQUIRES 2 MONTHS. 4. NEWLY CONSTRUCTION PROPERTY |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 857486 | xxxxxx | C B A | Closed | xxxxxx | 2025-12-29 03:51 | 2025-12-29 03:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program EXCEPTION FOR PROPERTY LOCATED IN RURAL AREA. NO INDICATION OF INCOME GENERATING ACTIVITY IN THE SUBJECT PROPERTY. - Due Diligence Vendor-12/29/2025 |  | Waived-Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program EXCEPTION FOR PROPERTY LOCATED IN RURAL AREA. NO INDICATION OF INCOME GENERATING ACTIVITY IN THE SUBJECT PROPERTY. - Due Diligence Vendor-12/29/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.06 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | DSCR IS 1.12 2. FICO SCORE IS 756 3. POST-CLOSING RESERVE IS 34.06 MONTHS, PROGRAM REQUIRES 2 MONTHS. 4. NEWLY CONSTRUCTION PROPERTY |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 857494 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-15 16:09 | 2026-04-30 10:02 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. Please see attached initial cd and interim cd. - Due Diligence Vendor-04/29/2026 <br> Counter-Initial Closing Disclosure provided, data entered, compliance report generated, resulting in additional findings: The following charges have been either added or increased: Tax Service fee not disclosed in the Initial Loan Estimate, charge to borrower. 0% tolerance cure in the amount of $64.00, is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see attached initial cd and interim cd. - Due Diligence Vendor-04/17/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing disclosure ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/15/2026 |  | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-04/30/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years |  | Full Review857494_xxxxxx_4_16_2026_25635_PM.zip<br> Full Review857494_xxxxxx_4_29_2026_122859_PM.zip<br> 857494_xxxxxx_ClosingDisclosurePkg_xxxxxx_190114.pdf<br> 857494_xxxxxx_ClosingDisclosurePkg_xxxxxx_161840.pdf<br> 857494_xxxxxx_Compliance.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857494 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-30 08:57 | 2026-04-30 09:14 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-\*\*Received missing disclosures - Due Diligence Vendor-04/30/2026 <br> Resolved- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. - Due Diligence Vendor-04/30/2026 |  | Resolved-\*\*Received missing disclosures - Due Diligence Vendor-04/30/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857494 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-20 16:33 | 2026-04-30 08:57 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-04/30/2026 <br> Rescinded- - Due Diligence Vendor-04/20/2026 <br> Rescinded-QC corrected - Due Diligence Vendor-04/20/2026 <br> Resolved- - Due Diligence Vendor-04/20/2026 <br> Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i))The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms. - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 |  | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-04/30/2026 <br> Rescinded-QC corrected - Due Diligence Vendor-04/20/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857494 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-20 16:33 | 2026-04-30 08:57 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. Please see attached LE's - Due Diligence Vendor-04/29/2026 <br> Counter-Initial Closing Disclosure provided, data entered, compliance report generated, resulting in additional findings: The following charges have been either added or increased: Tax Service fee not disclosed in the Initial Loan Estimate, charge to borrower. 0% tolerance cure in the amount of $64.00, is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $64.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 |  | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-04/30/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years |  | Full Review857494_xxxxxx_4_29_2026_123135_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857494 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-20 16:33 | 2026-04-30 08:57 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. Please see attached LE's - Due Diligence Vendor-04/29/2026 <br> Counter-Initial Closing Disclosure provided, data entered, compliance report generated, resulting in additional findings: The following charges have been either added or increased: Tax Service fee not disclosed in the Initial Loan Estimate, charge to borrower. 0% tolerance cure in the amount of $64.00, is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 |  | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-04/30/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years |  | Full Review857494_xxxxxx_4_29_2026_123331_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857494 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-20 16:33 | 2026-04-30 08:57 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. Please see attached LE's - Due Diligence Vendor-04/29/2026 <br> Counter-Initial Closing Disclosure provided, data entered, compliance report generated, resulting in additional findings: The following charges have been either added or increased: Tax Service fee not disclosed in the Initial Loan Estimate, charge to borrower. 0% tolerance cure in the amount of $64.00, is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 |  | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-04/30/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years |  | Full Review857494_xxxxxx_4_29_2026_123001_PM.zip<br> 857494_xxxxxx.pdf<br> 857494_xxxxxx_(1).pdf<br> 857494_xxxxxx_(2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857494 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-15 08:27 | 2026-04-22 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing AUS Findings | Resolved-AUS provided matches 1008 - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx 1008 and DU. - Due Diligence Vendor-04/22/2026 <br> Counter-The DU provided does not belong to this Bwr/Loan. Please provide the correct DU/AUS listed on the Lenders 1008 - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see attached DU / 1008. - Seller-04/17/2026 <br> Counter-Document Uploaded. Provided updated 1008 reflecting Manual UW or Provided AUS Approved/Eligible - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Please waive. Bank Statements were used in income qualifying. AUS was not utilized under program and guides. 2.8.5.5 AUS FINDINGS (04/21/2025) Income documentation relief from xxxxxx DU or xxxxxx LPA is considered xxxxxx and is acceptable under the xxxxxx Program, subject to the following: Final AUS findings must be included in the loan file for one of the following: o xxxxxx DU Approve/Eligible or xxxxxx LPA Accept/Eligible o xxxxxx DU Approve/Ineligible or xxxxxx LPA Accept/Ineligible allowed for the following: - Due Diligence Vendor-04/16/2026 <br> Open-Provide DU Document for verify AUS Recommendation. 1008 showing risk assessment AUS with DU. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Please see attached DU / 1008. - Seller-04/17/2026 | Resolved-AUS provided matches 1008 - Due Diligence Vendor-04/22/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years |  | Screenshot 2026-04-17 075503.jpg<br> DUFindings_Run47 (1).pdf<br> xxxxxx_1008.pdf<br> 857494_xxxxxx_1008.pdf<br> 857494_xxxxxx_Desktop_Underwriter_Findings,_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857494 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-15 08:22 | 2026-04-17 07:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached Bank Statement Summary. - Due Diligence Vendor-04/16/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary Provide Lender income work sheet for verify the non-business Transactions. - Due Diligence Vendor-04/15/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/17/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50.82% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.39 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.39 Years |  | 857494_xxxxxx_Trucking_ANALYSIS_updated_2-9.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857585 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857749 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857773 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857872 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857884 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857885 | xxxxxx | B A | Closed | xxxxxx | 2026-02-25 17:28 | 2026-03-02 09:58 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. 2/26/26 - please see attached. - Due Diligence Vendor-02/26/2026 <br> Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-02/25/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/02/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.50 Years Borrower At Current Residence For Five (5) Or More Years - 8.50 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 857885_xxxxxx_857885_NEW_FINAL_ldl-report_2112026121419_121419.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857893 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 857933 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-15 14:01 | 2026-05-12 13:47 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received missing disclosures - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please see Seller / Lender rebuttal. - Buyer-05/12/2026 <br> Counter-xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. Federal High-Cost fail (HOEPA) - 0% tolerance violations, 10% tolerance violations - xxxxxx Fair Lending Act -------------------- please refer to additional / newly opened compliance findings. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see attached initial cd and interim cds. - Due Diligence Vendor-04/17/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br> - Due Diligence Vendor-04/15/2026 |  | Resolved-\*\*Received missing disclosures - Due Diligence Vendor-05/12/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Full Review857933_xxxxxx_4_16_2026_52128_PM.zip<br> xxxxxx rebuttal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857933 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-20 18:05 | 2026-05-12 13:42 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Received missing disclosures - Due Diligence Vendor-05/12/2026 <br> Open- - Due Diligence Vendor-05/12/2026 <br> Open- - Due Diligence Vendor-05/12/2026 <br> Rescinded-QC corrected - Due Diligence Vendor-05/01/2026 <br> Resolved-ILE 10% baseline of 520.00 + 10% = 572.00. Final charges $470.00 are within tolerance - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. Please see Seller rebuttal attached. - Buyer-04/30/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open-\*\*\*\*\*\* see detail provided in the 0% and 10% tolerance triggering finding. xxxxxx - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 |  | Resolved-Received missing disclosures - Due Diligence Vendor-05/12/2026 <br> Rescinded-QC corrected - Due Diligence Vendor-05/01/2026 <br> Resolved-ILE 10% baseline of 520.00 + 10% = 572.00. Final charges $470.00 are within tolerance - Due Diligence Vendor-05/01/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxxxxx rebuttal - TRID (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857933 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-20 18:05 | 2026-05-12 13:42 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received missing disclosures - Due Diligence Vendor-05/12/2026 <br> Open- - Due Diligence Vendor-05/12/2026 <br> Open- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please see Seller / Lender rebuttal. - Buyer-05/12/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open-\*\*\*\*\*\* see detail provided in the 0% and 10% tolerance triggering finding. xxxxxx - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 |  | Resolved-Received missing disclosures - Due Diligence Vendor-05/12/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxxxxx rebuttal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857933 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-20 18:05 | 2026-05-12 13:42 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received missing disclosures - Due Diligence Vendor-05/12/2026 <br> Open- - Due Diligence Vendor-05/12/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,998.00) exceed the comparable charges ($1,468.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-05/12/2026 <br> Open- - Due Diligence Vendor-05/12/2026 <br> Rescinded-QC corrected - Due Diligence Vendor-05/01/2026 <br> Resolved-ILE 10% baseline of 520.00 + 10% = 572.00. Final charges $470.00 are within tolerance - Due Diligence Vendor-05/01/2026 <br> Resolved- - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open-xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. ~~~~~~~~~~~ \*\*\*10% tolerance cure in the amount of $8.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($470.00) exceed the comparable charges ($420.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/20/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,030.00) exceed the comparable charges ($420.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 |  | Resolved-Received missing disclosures - Due Diligence Vendor-05/12/2026 <br> Rescinded-QC corrected - Due Diligence Vendor-05/01/2026 <br> Resolved-ILE 10% baseline of 520.00 + 10% = 572.00. Final charges $470.00 are within tolerance - Due Diligence Vendor-05/01/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857933 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-20 18:05 | 2026-05-12 13:32 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received Missing disclosures and lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 <br> Resolved- - Due Diligence Vendor-05/12/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,417.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/12/2026 <br> Open- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please see Seller / Lender rebuttal. - Buyer-05/12/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open-xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. ~~~~~~~~~~~ Affiliate Lender Title Policy, Underwriting fee and tax service fee not disclosed in Initial Loan Estimate added later (995.00 + 64.00 = 1619.00) additionally, the affiliate appraisal "trip fee" was not disclosed at the same time as the appraisal fee (=175.00) additionally the affiliate final inspection fee was not disclosed to the borrower within 3 days of receiving a "subject to" appraisal / sufficient knowledge of the fee ($175.00) additionally the doc prep fee to xxxxxx increased $8.00 -----------Cumulative total of 0% tolerance violations are $1977.00 //// the Change of circumstance form in the package is insufficient to validate these events - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,977.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/20/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,417.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 |  | Resolved-\*\*Received Missing disclosures and lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxxxxx rebuttal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857933 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-20 18:23 | 2026-05-12 13:13 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-\*\*\*Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 <br> Resolved- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please see Seller / Lender rebuttal. - Buyer-05/12/2026 <br> Counter-LOE requesting Affiliate AMC charge to be excluded from Finance Charge is insufficient to address the High Cost violation. TILA section 106(a) charges paid to affiliates of the creditor, except such charges that are escrowed for the future payment of taxes—have always been included in the calculation of points and fees for high-cost mortgages, even if they were not included in the finance charge. The long-standing statutory requirement to include such charges in points and fees is implemented in existing § 1026.32(b)(1)(iii) -------------- In Short, all fee paid and retained by a Lender, Broker, and Lender Affiliate are included in HC testing regardless of Finance Charge calculation inclusion. - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. ~~~~~~~~~~~ Federal High-Cost Mortgage (HOEPA): Loan Data xxxxxx vs Comparative Data xxxxxx = Variance of xxxxxx<br> ~~~~~~~~~~~~~~ <br> Appraisal Fee - affiliate paid by Borrower: $140.00<br> Appraisal Management Fee paid by Borrower: $175.00<br> Appraisal Re-Inspection Fee paid by Borrower: $175.00<br> Courier / Messenger Fee paid by Borrower: $75.00<br> Government Technology Fee paid by Borrower: $70.00<br> Lender's Title Insurance Policy paid by Borrower: $560.00<br> Points - Loan Discount Fee paid by Borrower: $12,613.80<br> Rate Lock Fee paid by Borrower: $500.00<br> Recording Service Fee paid by Borrower: $53.00<br> Sub-Escrow Fee paid by Borrower: $770.00<br> Underwriting Fee paid by Borrower: $995.00 - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the xxxxxx or, if permitted by the Secretary, by a xxxxxx.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 xxxxxx. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-04/20/2026 |  | Resolved-\*\*\*Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxxxxx rebuttal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857933 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-20 18:05 | 2026-05-12 13:13 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx xxxxx 3/2003 High Cost Home Loan Points and Fees Threshold Test | Resolved-\*\*\*Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 <br> Resolved- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please see attached rebuttal. - Due Diligence Vendor-05/12/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Counter-The reference cited pertains to xxxxxx Rule 80-11-2-.02(k), which addresses minimum recordkeeping requirements and does not independently determine finance charge treatment. The xxxxxx Fair Lending Act relies on the federal finance charge framework under the Truth in Lending Act and Regulation Z. If the borrower affirmatively selects the attorney (i.e., "I/We select"), and the fee is bona fide and reasonable, the attorney fee may be excluded from the finance charge and, consequently, from the xxxxxx Fair Lending Act points and fees test. In such cases, Rule 80-11-2-.02(k) requires the lender to retain documentation evidencing the borrower's selection. However, where the borrower indicates "I/We have no preference… and request that the Lender select an acceptable closing attorney," including situations involving a lender affiliate, the attorney fee is not eligible for exclusion and must be included in the federal finance charge. Accordingly, it must also be included in xxxxxx high-cost (HC) testing. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. Please see attached initial cd and interim cds. - Due Diligence Vendor-04/30/2026 <br> Counter-Finding is valid - Due Diligence Vendor-04/22/2026 <br> Ready for Review-This condition still shows open in your Portal - Due Diligence Vendor-04/22/2026 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. ~~~~~~~xxxxxx Fair Lending Act (xxxxxx SB 53) in the amount of $65.42~~~~~xxxxxx High Cost Home Loan Points and Fees Threshold Test Inclusion<br> Appraisal Fee - affiliate paid by Borrower: $140.00<br> Appraisal Management Fee paid by Borrower: $175.00<br> Appraisal Re-Inspection Fee paid by Borrower: $175.00<br> Attorney's Fee (Closing Agent and Other Title Services) paid by Borrower: $300.00<br> Closing Protection Letter Fee paid by Borrower: $50.00<br> Courier / Messenger Fee paid by Borrower: $75.00<br> Document Preparation Fee paid by Borrower: $43.00<br> Funding, Wire, or Disbursement Fee paid by Borrower: $85.00<br> Government Technology Fee paid by Borrower: $70.00<br> xxxxx Registration Fee paid by Borrower: $24.95<br> Points - Loan Discount Fee paid by Borrower: $12,613.80<br> Processing Fee paid by Borrower: $5.00<br> Rate Lock Fee paid by Borrower: $500.00<br> Recording Service Fee paid by Borrower: $53.00<br> Sub-Escrow Fee paid by Borrower: $770.00<br> Underwriting Fee paid by Borrower: $995.00 - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open-This loan has terms that exceed the high-cost home loan points and fees threshold. (xxxxxx SB 53 7-6A-2(7),(17)(B))The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:5 percent of the total loan amount if the total loan amount isxxxxxx or more.The lesser of 8 percent of the total loan amount or xxxxxx if the total loan amount is less than xxxxxx. - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 |  | Resolved-\*\*\*Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Full Review857933_xxxxxx_4_29_2026_25206_PM.zip<br> Full Review857933_xxxxxx_4_29_2026_24856_PM.zip<br> Full Review857933_xxxxxx_5_11_2026_60925_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857933 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-20 18:23 | 2026-05-12 13:13 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-\*\*\*Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 <br> Resolved- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please see Seller / Lender rebuttal. - Buyer-05/12/2026 <br> Counter-LOE requesting Affiliate AMC charge to be excluded from Finance Charge is insufficient to address the High Cost violation. TILA section 106(a) charges paid to affiliates of the creditor, except such charges that are escrowed for the future payment of taxes—have always been included in the calculation of points and fees for high-cost mortgages, even if they were not included in the finance charge. The long-standing statutory requirement to include such charges in points and fees is implemented in existing § 1026.32(b)(1)(iii) -------------- In Short, all fee paid and retained by a Lender, Broker, and Lender Affiliate are included in HC testing regardless of Finance Charge calculation inclusion. - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. Please see attached attestation. - Buyer-04/30/2026 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. ~~~~~~~~~~~ Federal High-Cost Mortgage (HOEPA): Loan Data $16,126.80 vs Comparative Data $16,009.33 = Variance of $117.47<br> ~~~~~~~~~~~~~~ <br> Appraisal Fee - affiliate paid by Borrower: $140.00<br> Appraisal Management Fee paid by Borrower: $175.00<br> Appraisal Re-Inspection Fee paid by Borrower: $175.00<br> Courier / Messenger Fee paid by Borrower: $75.00<br> Government Technology Fee paid by Borrower: $70.00<br> Lender's Title Insurance Policy paid by Borrower: $560.00<br> Points - Loan Discount Fee paid by Borrower: $12,613.80<br> Rate Lock Fee paid by Borrower: $500.00<br> Recording Service Fee paid by Borrower: $53.00<br> Sub-Escrow Fee paid by Borrower: $770.00<br> Underwriting Fee paid by Borrower: $995.00 - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-04/20/2026 |  | Resolved-\*\*\*Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Lender Cert xxxxxx AMC Fee attestation.pdf<br> xxxxxx rebuttal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857933 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-20 18:23 | 2026-05-12 13:13 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-\*\*\*Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 <br> Resolved- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please see Seller / Lender rebuttal. - Buyer-05/12/2026 <br> Counter-LOE requesting Affiliate AMC charge to be excluded from Finance Charge is insufficient to address the High Cost violation. TILA section 106(a) charges paid to affiliates of the creditor, except such charges that are escrowed for the future payment of taxes—have always been included in the calculation of points and fees for high-cost mortgages, even if they were not included in the finance charge. The long-standing statutory requirement to include such charges in points and fees is implemented in existing § 1026.32(b)(1)(iii) -------------- In Short, all fee paid and retained by a Lender, Broker, and Lender Affiliate are included in HC testing regardless of Finance Charge calculation inclusion. - Due Diligence Vendor-05/01/2026 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 5 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx and the transaction's total points and fees is xxxxxx, which exceeds the lesser of 8 percent of the total loan amount of xxxxxx or xxxxxx. - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. ~~~~~~~~~~~ Federal High-Cost Mortgage (HOEPA): Loan Data $16,126.80 vs Comparative Data $16,009.33 = Variance of $117.47<br> ~~~~~~~~~~~~~~ <br> Appraisal Fee - affiliate paid by Borrower: $140.00<br> Appraisal Management Fee paid by Borrower: $175.00<br> Appraisal Re-Inspection Fee paid by Borrower: $175.00<br> Courier / Messenger Fee paid by Borrower: $75.00<br> Government Technology Fee paid by Borrower: $70.00<br> Lender's Title Insurance Policy paid by Borrower: $560.00<br> Points - Loan Discount Fee paid by Borrower: $12,613.80<br> Rate Lock Fee paid by Borrower: $500.00<br> Recording Service Fee paid by Borrower: $53.00<br> Sub-Escrow Fee paid by Borrower: $770.00<br> Underwriting Fee paid by Borrower: $995.00 - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open-xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. ~~~~~~~~~~~ Federal High-Cost Mortgage (HOEPA): Loan Data $16,566.80 vs Comparative Data $16,016.33 = Variance of $550.47~~~~~~~~~~~~~~ <br> High-Cost Mortgage Points and Fees Threshold Test Inclusion<br> Appraisal Fee paid by Borrower: $580.00<br> Appraisal Management Fee paid by Borrower: $175.00<br> Appraisal Re-Inspection Fee paid by Borrower: $175.00<br> Courier / Messenger Fee paid by Borrower: $75.00<br> Government Technology Fee paid by Borrower: $70.00<br> Lender's Title Insurance Policy paid by Borrower: $560.00<br> Points - Loan Discount Fee paid by Borrower: $12,613.80<br> Rate Lock Fee paid by Borrower: $500.00<br> Recording Service Fee paid by Borrower: $53.00<br> Sub-Escrow Fee paid by Borrower: $770.00<br> Underwriting Fee paid by Borrower: $995.00 - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 5 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx and the transaction's total points and fees is xxxxxx, which exceeds the lesser of 8 percent of the total loan amount of xxxxxx or xxxxxx. - Due Diligence Vendor-04/20/2026 |  | Resolved-\*\*\*Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxxxxx rebuttal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857933 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-20 18:23 | 2026-05-12 13:13 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-\*\*\*Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 <br> Resolved- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. xxxxxx. Please see attached 20/20 Affiliated Status with xxxxxx, Lender Cert for the Appraisal fee (AMC $140) as well as Right to Select Settlement Agent / Closing Attorney - Due Diligence Vendor-05/12/2026 <br> Counter-LOE requesting Affiliate AMC charge to be excluded from Finance Charge is insufficient to address the High Cost violation. TILA section 106(a) charges paid to affiliates of the creditor, except such charges that are escrowed for the future payment of taxes—have always been included in the calculation of points and fees for high-cost mortgages, even if they were not included in the finance charge. The long-standing statutory requirement to include such charges in points and fees is implemented in existing § 1026.32(b)(1)(iii) -------------- In Short, all fee paid and retained by a Lender, Broker, and Lender Affiliate are included in HC testing regardless of Finance Charge calculation inclusion. - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*xxxxxx, and xxxxxx Closing disclosure, all missing at initial TPR, have been provided, data entered, compliance test generated, resulting in additional findings. ~~~~~~~~~~~ Federal High-Cost Mortgage (HOEPA): Loan Data $16,126.80 vs Comparative Data $16,009.33 = Variance of $117.47<br> ~~~~~~~~~~~~~~ <br> Appraisal Fee - affiliate paid by Borrower: $140.00<br> Appraisal Management Fee paid by Borrower: $175.00<br> Appraisal Re-Inspection Fee paid by Borrower: $175.00<br> Courier / Messenger Fee paid by Borrower: $75.00<br> Government Technology Fee paid by Borrower: $70.00<br> Lender's Title Insurance Policy paid by Borrower: $560.00<br> Points - Loan Discount Fee paid by Borrower: $12,613.80<br> Rate Lock Fee paid by Borrower: $500.00<br> Recording Service Fee paid by Borrower: $53.00<br> Sub-Escrow Fee paid by Borrower: $770.00<br> Underwriting Fee paid by Borrower: $995.00 - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-04/20/2026 |  | Resolved-\*\*\*Received lender's attestation in relation to it's affiliates. - Due Diligence Vendor-05/12/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Full Review857933_xxxxxx_5_11_2026_61005_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857933 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-17 08:18 | 2026-04-17 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached Bank Statement Summary. - Due Diligence Vendor-04/17/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing Lenders Bank statement Income worksheet from the Loan file. - Due Diligence Vendor-04/17/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/17/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 857933_xxxxxx_857933_xxxxxx_ANALYSIS_2-23-26_SM_(1).xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 857933 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-16 16:13 | 2026-04-17 09:17 | Resolved | 1 - Information D A | Property | Missing Doc | Updated Completion Report (442/10040) is missing | Resolved- - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached 1004D. - Due Diligence Vendor-04/17/2026 <br> Open- - Due Diligence Vendor-04/16/2026 |  | Resolved- - Due Diligence Vendor-04/17/2026  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 857933_xxxxxx_1004D.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858009 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858025 | xxxxxx | B A | Closed | xxxxxx | 2026-02-24 05:09 | 2026-02-27 14:56 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-Validated - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Please see attached xxxxxx Approval. \*xxxxxx Approval for our Non-Del Channel is acceptable for loan terms, please escalate to management. - Due Diligence Vendor-02/27/2026 <br> Counter-The Loan approval states DSCR as 1.06 vs Audited DSCR of 0.962 - the Difference in the DSCR cal is due to Lender is using PITIA $2453.33 (P&I $2010.13, Taxes xxxxxx, HOI $156.50, Flood $0, HOA $0) Vs Audited PITIA of $2,495.5 (P&I $2010.13, taxes xxxxxx, HOI $198.66, No Flood or HOA) HOI Policy states annual premium as 2384.00 / 12 = $198.66 - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Approval. - Due Diligence Vendor-02/25/2026 <br> Open-1008/Underwriting Summary Not Provided Final 1008 was not uploaded. Please provide final 1008. - Due Diligence Vendor-02/24/2026 |  | Resolved-Validated - Due Diligence Vendor-02/27/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.35% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 118.86 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 858025_xxxxxx_Loan#858025_LDL-Report_2-12-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858027 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858036 | xxxxxx | C A B | Closed | xxxxxx | 2026-03-04 00:22 | 2026-03-05 08:46 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/05/2026 <br> Resolved- - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Final UW Approval - Due Diligence Vendor-03/05/2026 <br> Open-1008/Underwriting Summary Not Provided Validated - Due Diligence Vendor-03/04/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/05/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 111.61 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858036_xxxxxx_858036_Final_Notice_of_Loan_Approval_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858036 | xxxxxx | C A B | Closed | xxxxxx | 2026-03-04 00:22 | 2026-03-05 08:46 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To 2.5 And A Third Party Valuation Product Was Not Required (CU Score Is) - Due Diligence Vendor-03/05/2026 <br> Resolved- - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Both the CU and LA were pulled on the same date. The credit memo attached allows for the lower score to be used if pulled at the same time. - Due Diligence Vendor-03/05/2026 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.2) A Desk Review is not available in the file. The CU score is greater than 2.5. - Due Diligence Vendor-03/04/2026 |  | Resolved-CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To 2.5 And A Third Party Valuation Product Was Not Required (CU Score Is) - Due Diligence Vendor-03/05/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 111.61 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858036_xxxxxx_2025-02_Appraisal_Review_-_CU_and_LCA_(Clarifii).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858050 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 858051 | xxxxxx | D A | Closed | xxxxxx | 2026-04-29 09:54 | 2026-04-30 08:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 1040 Schedule E Missing | Resolved-Borrower 1 1040 Schedule E Provided - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Not using rents in qualifying, hitting Borrower for Neg. Rents. Please waive. - Due Diligence Vendor-04/29/2026 <br> Open-Borrower 1 1040 Schedule E Missing. Section 2.8.5.4.14 of Guidelines require Schedule E when using subject rental income when the transaction is a refinance using Standard Income Documentation. - Due Diligence Vendor-04/29/2026 |  | Resolved-Borrower 1 1040 Schedule E Provided - Due Diligence Vendor-04/30/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.52 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.53 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858051 | xxxxxx | D A | Closed | xxxxxx | 2026-04-29 09:36 | 2026-04-30 08:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. Please see attached UDM. - Due Diligence Vendor-04/29/2026 <br> Open-Borrower 1 Gap Credit Report is Missing. Section 2.6.2 of Guidelines requires a GAP credit report no more than 30-days prior to loan closing. - Due Diligence Vendor-04/29/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/30/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.52 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.53 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 858051_xxxxxx_xxxxxxUDMReport_xxxxxx_0472026064508070.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858091 | xxxxxx | D A | Closed | xxxxxx | 2026-02-27 15:22 | 2026-03-08 09:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity Docs provided - Due Diligence Vendor-03/08/2026 <br> Ready for Review-Document Uploaded. Please see LLC docs for xxxxxx - Due Diligence Vendor-03/07/2026 <br> Counter-the Entity Document provided are for xxxxxx the condition is for Missing Entity documents for xxxxxx - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Please see LLC docs - Due Diligence Vendor-03/05/2026 <br> Open-Missing Entity documents for xxxxxx - Operating agreement/equivalent<br> - Articles of organization/equivalent<br> - Certificate of good standing<br> - Evidence of EIN - Due Diligence Vendor-02/27/2026 |  | Resolved-Entity Docs provided - Due Diligence Vendor-03/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.82 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858091_xxxxxx_docs.pdf<br> 858091_xxxxxx_docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858091 | xxxxxx | D A | Closed | xxxxxx | 2026-01-29 15:19 | 2026-02-27 15:24 | Resolved | 1 - Information C A | Compliance | State Reg | Business Purpose State Specific Prepayment Penalty- xxxxxx | Resolved-Re-signed/Corrected Closing Documents now closing in an entity provided. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. please see corrected note and mortgage, along with executed loan docs - Due Diligence Vendor-02/27/2026 <br> Open-Prepayment penalties are not permissible in the state of xxxxxx, when subject loan is made to a natural person(s) Note in the name of natural person - Due Diligence Vendor-01/29/2026 |  | Resolved-Re-signed/Corrected Closing Documents now closing in an entity provided. - Due Diligence Vendor-02/27/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.82 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review858091_xxxxxx_2_26_2026_53329_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858091 | xxxxxx | D A | Closed | xxxxxx | 2026-02-02 08:01 | 2026-02-27 15:21 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved- - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. please see corrected note and mortgage, along with executed loan docs - Due Diligence Vendor-02/27/2026 <br> Open-Property Title Issue Property currently in the name of xxxxxx (which is owned by borrower), mortgage initially shows xxxxxx on page 1 but actual signer was borrower as individual on page 11 . No deed found in file transferring from xxxxxx to borrower's individual name. - Due Diligence Vendor-02/02/2026 |  | Resolved- - Due Diligence Vendor-02/27/2026  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.82 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858091_xxxxxx_Executed_Revised_Loan_Docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858106 | xxxxxx | B A | Closed | xxxxxx | 2026-03-23 05:56 | 2026-03-26 10:38 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Approval - Loan Terms. - Due Diligence Vendor-03/25/2026 <br> Open-1008/Underwriting Summary Not Provided Final 1008 is missing, Provide Updated Final 1008. - Due Diligence Vendor-03/23/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/26/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.9 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 858106_xxxxxx_Loan_#858106_LDL-Report_UPDATED_2-17-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858157 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858220 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 858232 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 03:32 | 2026-01-30 14:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Open-The Builder is in control of the HOA - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Waived-Exception granted with compensating factorsException granted with supporting comp factors: EXCEPTION TO ALLOW THAT THE BUIDLER IS IN CONTROL OF HOA. - Due Diligence Vendor-01/30/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2319.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | Borrower exceeds minimum credit score requirement by at least 61 points.<br> Current LTV is 15% less than max allowed.<br> Reserves exceed minimum required by 2,328 months  | Guideline Exception Form - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858232 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 04:03 | 2026-01-26 04:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/26/2026 |  | Waived-Exception granted with compensating factorsEXCEPTION TO ALLOW LESS THAN 50% OWNER OCCUPIED ON A NEW PROJECT. CURRENTLY THERE IS 45.06% OWNER OCCUPIED UNITS - Due Diligence Vendor-01/26/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2319.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | • Borrower exceeds minimum credit score requirement by at least 61 points.<br> • Current LTV is 15% less than max allowed.<br> • Reserves exceed minimum required by 2,328 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858232 | xxxxxx | C B A | Closed | xxxxxx | 2026-01-26 04:02 | 2026-01-26 04:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 xxxxx EXPOSURE ON THE PROJECT. <br> - Due Diligence Vendor-01/26/2026 |  | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. EXCEPTION ON MORE THAN $5,000,000 xxxxx EXPOSURE ON THE PROJECT. <br> - Due Diligence Vendor-01/26/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 2319.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | · Borrower exceeds minimum credit score requirement by at least 61 points.<br> · Current LTV is 15% less than max allowed.<br> · Reserves exceed minimum required by 2,328 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858242 | xxxxxx | D A | Closed | xxxxxx | 2026-03-25 19:06 | 2026-03-30 08:16 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-03/27/2026 <br> Open-Provide LOE, evidence of re-recording the security instrument with Prepayment Penalty Rider - Due Diligence Vendor-03/25/2026 |  | Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-03/30/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.04 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 858242_xxxxxx_Re-record_xxxxxx_Mortgage_to_include_Rider-_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858242 | xxxxxx | D A | Closed | xxxxxx | 2026-02-19 22:52 | 2026-02-23 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see title - Due Diligence Vendor-02/22/2026 <br> Open-Title Document is missing - Due Diligence Vendor-02/20/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-02/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.04 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 858242_xxxxxx.pdf<br> 858242_xxxxxx_Commitment.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858242 | xxxxxx | D A | Closed | xxxxxx | 2026-02-19 23:11 | 2026-02-23 09:03 | 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-02/23/2026 <br> Ready for Review-Document Uploaded. Please see fraud report - Due Diligence Vendor-02/22/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/20/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.04 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 858242_xxxxxx_Fraud_2-4.pdf<br> 858242_xxxxxx_Fraud.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858246 | xxxxxx | D A B | Closed | xxxxxx | 2026-03-26 12:44 | 2026-04-01 08:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Deed of Trust Riders | Resolved-Re-Recorded DOT (xxxxxx) with Riders provided - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. Please see mortgage - Due Diligence Vendor-03/31/2026 <br> Open-Provide LOE and evidence of re-recording for the Security Instrument - Due Diligence Vendor-03/26/2026 |  | Resolved-Re-Recorded DOT (xxxxxx) with Riders provided - Due Diligence Vendor-04/01/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.08 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 858246_xxxxxx_Re-record_xxxxxx_Mortgage_to_include_Rider_-_xxxxxx.pdf<br> 858246_xxxxxx_Re-record_xxxxxx_Mortgage_to_include_Rider_-_xxxxxx_2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858246 | xxxxxx | D A B | Closed | xxxxxx | 2026-02-19 15:31 | 2026-02-22 12:45 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-02/22/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/19/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/22/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.08 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 858246_xxxxxx_858246_xxxxxx_Final_LDL_2-10-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858293 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858365 | xxxxxx | C A | Closed | xxxxxx | 2026-02-18 19:51 | 2026-02-22 11:22 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. See final approval - Due Diligence Vendor-02/20/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/19/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/22/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.93% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 58.93% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 858365_xxxxxx_858365_FINAL_ldl-report_25202682525_082525.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858365 | xxxxxx | C A | Closed | xxxxxx | 2026-02-18 19:51 | 2026-02-22 11:22 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 9.78 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. Asset statement - Due Diligence Vendor-02/20/2026 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 2. Reserves required 2 months at $4,629.76; however, no assets in file - Due Diligence Vendor-02/19/2026 |  | Resolved-Audited Reserves of 9.78 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-02/22/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.93% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 58.93% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.78 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 858365_xxxxxx_#2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858581 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 858641 | xxxxxx | B A | Closed | xxxxxx | 2026-03-26 08:39 | 2026-03-26 11:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsHousing History Does Not Meet Guideline Requirements Lender exception for missing copy of original note for private mortgage - Due Diligence Vendor-03/26/2026 <br> Open- - Due Diligence Vendor-03/26/2026 |  | Waived-Exception granted with compensating factorsHousing History Does Not Meet Guideline Requirements Lender exception for missing copy of original note for private mortgage - Due Diligence Vendor-03/26/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 166.15 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Credit score 10 points > minimum required<br> Reserves exceed requirement by 10 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858643 | xxxxxx | B A | Closed | xxxxxx | 2026-03-26 08:30 | 2026-03-26 08:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsLender exception for not having copy of original note for private mortgage. - Due Diligence Vendor-03/26/2026 |  | Waived-Exception granted with compensating factorsLender exception for not having copy of original note for private mortgage. - Due Diligence Vendor-03/26/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 151.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 66.59% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Credit score > 10 points over minimum<br> LTV 5% or more below maximum allowed |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858644 | xxxxxx | B A | Closed | xxxxxx | 2026-03-31 08:44 | 2026-04-15 19:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsDocument Uploaded. - Due Diligence Vendor-04/15/2026 <br> Waived-Exception granted with compensating factorsLender exception for proceeding without pay history on liens being paid off (in name of deceased prior owner) - Due Diligence Vendor-03/31/2026 |  | Waived-Exception granted with compensating factorsDocument Uploaded. - Due Diligence Vendor-04/15/2026 <br> Waived-Exception granted with compensating factorsLender exception for proceeding without pay history on liens being paid off (in name of deceased prior owner) - Due Diligence Vendor-03/31/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.96% Is Below The Guideline Maximum Of 75% 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 - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | LTV 10% or more below maximum allowed. | xxxxxx CORRECTION.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 858644 | xxxxxx | B A | Closed | xxxxxx | 2026-03-31 08:43 | 2026-03-31 08:43 | Waived | 2 - Non-Material B | Credit | Title | Title issue | Waived-Exception granted with compensating factorsLender exception for borrower not in title at time of application (in title after application) - Due Diligence Vendor-03/31/2026 |  | Waived-Exception granted with compensating factorsLender exception for borrower not in title at time of application (in title after application) - Due Diligence Vendor-03/31/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.96% Is Below The Guideline Maximum Of 75% 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 - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | LTV 10% or more below max allowed |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 858661 | xxxxxx | D A | Closed | xxxxxx | 2026-03-18 07:06 | 2026-03-19 14:45 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. See attached Condo Questionnaire. - Due Diligence Vendor-03/19/2026 <br> Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-03/18/2026 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/19/2026 | Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 22.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 90.46 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858661_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858661 | xxxxxx | D A | Closed | xxxxxx | 2026-03-18 07:16 | 2026-03-19 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Master Policy includes the Walls In Coverage. Master Policy reuploaded. - Due Diligence Vendor-03/19/2026 <br> Open-Missing HO-6 Master Insurance Policy Missing HO-6 master insurance policy documentation. Please provide the policy to verify required coverage. - Due Diligence Vendor-03/18/2026 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-03/19/2026 | Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 22.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 90.46 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858661_xxxxxx_Policy.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858667 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-17 13:01 | 2026-03-09 14:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Borrower is a First Time Investor and per guidelines, must own a primary residence. Borrower is renting their primary residence. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-03/09/2026 <br> Counter-Document Uploaded. per the Guidelines (Attached) First time Investors are required to own a Primary Residence - the Bwr "currently RENTS" and their Prior Housing was SOLD. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. See attached updated 1003 - Due Diligence Vendor-03/02/2026 <br> Open-Borrower is a First Time Investor and per guidelines, must own a primary residence. Borrower is renting their primary residence. - Due Diligence Vendor-02/18/2026 <br> Rescinded-Validated. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Please see property detail report, borrower owns xxxxxx shown on initial application - Buyer-02/17/2026 <br> Open-. Borrower is a First Time Investor and per guidelines, must own a primary residence. Borrower is renting their primary residence. - Due Diligence Vendor-02/17/2026 |  | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Borrower is a First Time Investor and per guidelines, must own a primary residence. Borrower is renting their primary residence. - Due Diligence Vendor-03/09/2026 <br> Rescinded-Validated. - Due Diligence Vendor-02/17/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO exceeds minimum by 10+ points | Compensating Factor 1 - Credit Score 10 points > minimum required <br> Compensating Factor 2 - Reserves exceed requirement by 6 months or more | xxxxxx.pdf<br> 858667_xxxxxx_858667_1003.pdf<br> Screenshot 2026-03-04 074553.jpg<br> Screenshot 2026-03-04 074717.jpg<br> Screenshot 2026-03-04 074735.jpg | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 858680 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 858687 | xxxxxx | C A | Closed | xxxxxx | 2026-03-31 05:20 | 2026-04-01 11:28 | Resolved | 1 - Information C A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Calculated DSCR of 0.593 meets guideline minimum DSCR of 0. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. Please re-review. I have attached the DSCR Matrix. There is no minimum DSCR on the DSCR Program at this Loan Amount (xxxxxx). The Cross Collateral DSCR Matrix does have a .75 minimum, but this loan is just DSCR. xxxxxx! - Due Diligence Vendor-03/31/2026 <br> Open-Calculated DSCR of 0.593 is less than guideline DSCR of 0.75. The calculated DSCR is 0.593, which falls below the minimum guideline requirement of 0.75 for each property. According to the Form 1008, the appraisal indicates actual rent of $3,200 per month and market rent of $5,400 per month. The lower actual rent of $3,200 per month has been used for qualification purposes. - Due Diligence Vendor-03/31/2026 |  | Resolved-Calculated DSCR of 0.593 meets guideline minimum DSCR of 0. - Due Diligence Vendor-04/01/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 11.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 114.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858687_xxxxxx_DSCR_Matrix.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858748 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  | \* Exception form is on page no: 678 - Due Diligence Vendor-03/06/2026 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858760 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858784 | xxxxxx | C A | Closed | xxxxxx | 2026-04-29 15:21 | 2026-05-04 14:07 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received missing disclosures - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Please see attached initial cd and interim cd and compliance log. - Due Diligence Vendor-05/01/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br> - Due Diligence Vendor-04/29/2026 |  | Resolved-\*\*Received missing disclosures - Due Diligence Vendor-05/04/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.08% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.83 Are Greater Than The Guideline Minimum Of 6 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 - 16.83 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.83 Years |  | Full Review858784_xxxxxx_4_30_2026_14803_PM.zip<br> 858784_xxxxxx_FinalComplianceCheck.pdf<br> 858784_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_160231.pdf<br> 858784_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_124939.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858786 | xxxxxx | D A | Closed | xxxxxx | 2026-04-16 16:35 | 2026-04-27 10:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lenders worksheet and Updated 1008 provided - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. 2 years Tax transcripts, updated 1008, income calculation worksheet - Due Diligence Vendor-04/27/2026 <br> Open-Provide the updated income worksheet and 1008 to reflect the correct income and DTI. - Due Diligence Vendor-04/16/2026 |  | Resolved-Lenders worksheet and Updated 1008 provided - Due Diligence Vendor-04/27/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.73% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | 858786_xxxxxx_1008.pdf<br> 858786_xxxxxx_Income_Calculation_Sheet.pdf<br> 858786_xxxxxx_TAX_RETURN_TRANSCRIPT_REPORT_SUMMARY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858786 | xxxxxx | D A | Closed | xxxxxx | 2026-03-13 11:07 | 2026-03-24 12:26 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-BPO provided - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. See AVM and BPO - Due Diligence Vendor-03/24/2026 <br> Open-Missing Second valuation per guideline requirement - Due Diligence Vendor-03/13/2026 |  | Resolved-BPO provided - Due Diligence Vendor-03/24/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.73% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | 858786_xxxxxx_AVM_REPORT.pdf<br> 858786_xxxxxx_BROKER_PRICE_OPINION_REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858835 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-26 15:10 | 2026-02-26 15:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Exception granted with compensating factors - Due Diligence Vendor-02/26/2026 <br> Open- - Due Diligence Vendor-02/26/2026 |  | Waived-Exception granted with compensating factors - Due Diligence Vendor-02/26/2026 <br> Open- - Due Diligence Vendor-02/26/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 10.41 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points | FICO 750 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 858845 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-17 14:02 | 2026-02-22 11:36 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-LOX and Property report provided. - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. Please see the LOX from UW for your review! xxxxxx! - Due Diligence Vendor-02/20/2026 <br> Open-Housing History Does Not Meet Guideline Requirements . Provide evidence of housing history and ownership. Subject borrower is not on the mortgage statement with xxxxxx that is being paid off on closing and the party showing on the statement is not on title. Additionally, the LLC docs provided do not show the unknown party on the xxxxxx statement. Review is unable to confirm is the borrower has rights to refinance or if established owner. Lease also shows the party on the xxxxxx statement. Borrower is not on any documentation other than the current LLC the loan is closing with. - Due Diligence Vendor-02/17/2026 |  | Resolved-LOX and Property report provided. - Due Diligence Vendor-02/22/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.42 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 858845_LEVEL xxxxxx_LOX_from_UW.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858845 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-17 05:17 | 2026-02-17 14:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted with compensating factorsAudited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 100000 Loan amount below minimum for selected program. - Due Diligence Vendor-02/17/2026 |  | Waived-Exception granted with compensating factorsAudited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 100000 Loan amount below minimum for selected program. - Due Diligence Vendor-02/17/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.42 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Credit Score 10 points > minimum required, Current primary home ownership > 10 years, Reserves exceed requirement by 2 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 858865 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 858886 | xxxxxx | B A | Closed | xxxxxx | 2026-02-27 19:08 | 2026-02-27 19:08 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Exception granted with compensating factorsCalculated DSCR of 1.242 is less than guideline DSCR of 1.25. We are requesting an exception on the DSCR slightly below the required 1.25 for the xxxxxx loan amount - Due Diligence Vendor-02/28/2026 |  | Waived-Exception granted with compensating factorsCalculated DSCR of 1.242 is less than guideline DSCR of 1.25. We are requesting an exception on the DSCR slightly below the required 1.25 for the xxxxxx loan amount - Due Diligence Vendor-02/28/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.54 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 32.57% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 682 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 10 points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 858890 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858918 | xxxxxx | D A | Closed | xxxxxx | 2026-02-11 12:48 | 2026-02-15 06:39 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/15/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/13/2026 <br> Open-The Deed of Trust is Missing for subject property address. - Due Diligence Vendor-02/11/2026 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/15/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.17 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx - Deed of Trust.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858928 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858961 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859036 | xxxxxx | B A | Closed | xxxxxx | 2026-02-20 17:01 | 2026-02-24 14:05 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-02/23/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/20/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/24/2026<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 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 50.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 25.67 Years |  | 859036_xxxxxx_859036_FINAL_ldl-report_213202613470_134700.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859049 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859076 | xxxxxx | B A | Closed | xxxxxx | 2026-03-06 02:02 | 2026-03-06 15:48 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. See underwriting approval - Due Diligence Vendor-03/06/2026 <br> Open-1008/Underwriting Summary Not Provided Final 1008 was not provided on the loan file. - Due Diligence Vendor-03/06/2026 <br> Open-1008/Underwriting Summary Not Provided Final 1008 was not provided on the loan file. - Due Diligence Vendor-03/06/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 70% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.07 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.33 Years |  | 859076_xxxxxx_859076_ldl-report_2202026924_090204.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859076 | xxxxxx | B A | Closed | xxxxxx | 2026-03-06 02:02 | 2026-03-06 08:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Exception granted with compensating factorsAudited HCLTV of 75% exceeds Guideline HCLTV of 70% Fico of 697 is capped at 70% LTV when sub 1 DSCR. Seek exception for 75% LTV.<br> \* Exception form is on page no: 678 - Due Diligence Vendor-03/06/2026 |  | Waived-Exception granted with compensating factorsAudited HCLTV of 75% exceeds Guideline HCLTV of 70% Fico of 697 is capped at 70% LTV when sub 1 DSCR. Seek exception for 75% LTV.<br> \* Exception form is on page no: 678 - Due Diligence Vendor-03/06/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 70% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.07 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.33 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 859076 | xxxxxx | B A | Closed | xxxxxx | 2026-03-06 02:02 | 2026-03-06 08:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsAudited LTV of 75% exceeds Guideline LTV of 70% Fico of 697 is capped at 70% LTV when sub 1 DSCR. Seek exception for 75% LTV.<br> \* Exception form is on page no: 678 - Due Diligence Vendor-03/06/2026 |  | Waived-Exception granted with compensating factorsAudited LTV of 75% exceeds Guideline LTV of 70% Fico of 697 is capped at 70% LTV when sub 1 DSCR. Seek exception for 75% LTV.<br> \* Exception form is on page no: 678 - Due Diligence Vendor-03/06/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 70% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.07 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.33 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 859076 | xxxxxx | B A | Closed | xxxxxx | 2026-03-06 02:02 | 2026-03-06 08:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception granted with compensating factorsAudited CLTV of 75% exceeds Guideline CLTV of 70% Fico of 697 is capped at 70% LTV when sub 1 DSCR. Seek exception for 75% LTV.<br> \* Exception form is on page no: 678 - Due Diligence Vendor-03/06/2026 |  | Waived-Exception granted with compensating factorsAudited CLTV of 75% exceeds Guideline CLTV of 70% Fico of 697 is capped at 70% LTV when sub 1 DSCR. Seek exception for 75% LTV. | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 70% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.07 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.33 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 859094 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859132 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859135 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859147 | xxxxxx | D B A | Closed | xxxxxx | 2026-06-10 22:55 | 2026-06-10 22:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsException granted with compensating factors to waive evidence of 6 months payments for private mortgage note. - Due Diligence Vendor-06/11/2026 <br> Open-Missing evidence of last 6 months payments. Guideline requires validation of most recent 6 months payments for a private mortgage. - Due Diligence Vendor-06/11/2026 |  | Waived-Exception granted with compensating factorsException granted with compensating factors to waive evidence of 6 months payments for private mortgage note. - Due Diligence Vendor-06/11/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | - Credit Score 30+ points > minimum required<br> - DSCR > 1.3 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 859147 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-02 10:23 | 2026-04-06 09:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity docs provided - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Please see attached Operating Agreement. - Due Diligence Vendor-04/03/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Title vesting in an LLC, section 8 of title confirming that Articles of Formation (organization), an Operating Agreement (or equivalents of these), a certificate of good standing. These documents were not uploaded to the file. Please provide. - Due Diligence Vendor-04/02/2026 |  | Resolved-Entity docs provided - Due Diligence Vendor-04/06/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 737 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 859147_xxxxxx_56600997.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859151 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859229 | xxxxxx | D A | Closed | xxxxxx | 2026-02-20 09:55 | 2026-03-06 15:59 | Resolved | 1 - Information C A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Calculated DSCR of 1.033 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-03/06/2026 <br> Resolved-Calculated DSCR of 0.995 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-02/23/2026 <br> Open-Calculated DSCR of 0.995 is less than guideline DSCR of 1. The calculated DSCR of 0.995 is below the minimum guideline requirement of 1.00. Please review and advise on any compensating factors or provide updated documentation to support eligibility. - Due Diligence Vendor-02/20/2026 |  | Resolved-Calculated DSCR of 1.033 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-03/06/2026 <br> Resolved-Calculated DSCR of 0.995 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-02/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 90.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 19.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859229 | xxxxxx | D A | Closed | xxxxxx | 2026-02-20 09:37 | 2026-03-06 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Document Uploaded. - Due Diligence Vendor-03/05/2026 <br> Resolved-Document Uploaded. - Due Diligence Vendor-03/03/2026 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. HOI attached. - Due Diligence Vendor-02/22/2026 <br> Open-Missing Hazard Insurance Policy A copy of the Hazard Insurance Policy was not found in the file. Please provide the policy so we can complete our review and proceed accordingly. - Due Diligence Vendor-02/20/2026 |  | Resolved-Document Uploaded. - Due Diligence Vendor-03/05/2026 <br> Resolved-Document Uploaded. - Due Diligence Vendor-03/03/2026 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 90.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 19.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 859229_xxxxxx_UPDATED_INSURANCE.pdf<br> xxxxxx Correct HOI Citizens.pdf<br> Correct HOI 859229.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859229 | xxxxxx | D A | Closed | xxxxxx | 2026-02-20 09:57 | 2026-02-26 17:55 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | <br> Resolved-Approval provided - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Approval. - Due Diligence Vendor-02/25/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/20/2026 |  | Resolved-Approval provided - Due Diligence Vendor-02/26/2026  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 90.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 19.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 859229_xxxxxx_Loan_#859229_LDL-Report_UPDATED_2-10-2026_(1).pdf<br> 859229.1.pdf<br> 859229.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 859229 | xxxxxx | D A | Closed | xxxxxx | 2026-02-20 09:46 | 2026-02-23 09:11 | 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-02/23/2026 <br> Ready for Review-Document Uploaded. Fraud Report - Due Diligence Vendor-02/22/2026 <br> Open-Missing Third Party Fraud Report The Third-Party Fraud Report is currently missing from the file. Please provide a copy at your earliest convenience so we can complete our review and move forward. - Due Diligence Vendor-02/20/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 90.26 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 19.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 772 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 859229_xxxxxx_Fraud_Manager_3.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859243 | xxxxxx | D A | Closed | xxxxxx | 2026-03-10 13:37 | 2026-03-17 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity documents provided. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. 3/12/2026 - please see entity docs attached. - Due Diligence Vendor-03/17/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN for xxxxxx - Due Diligence Vendor-03/10/2026 |  | Resolved-Entity documents provided. - Due Diligence Vendor-03/17/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.04 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.05% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 859243_xxxxxx_xxxxxx_esc_docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859256 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859258 | xxxxxx | D A | Closed | xxxxxx | 2026-03-09 00:12 | 2026-03-10 14:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity documents provided - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. Please see attached entity documents. All of these docs were uploaded, including the EIN for the sole member LLC. - Due Diligence Vendor-03/10/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of EIN, please provide - if none because sole member with zero employees, this is not required. - Due Diligence Vendor-03/09/2026 |  | Resolved-Entity documents provided - Due Diligence Vendor-03/10/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.50 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 859258_xxxxxx_HELOC.pdf<br> 859258_xxxxxx_LLC_docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859258 | xxxxxx | D A | Closed | xxxxxx | 2026-03-09 01:21 | 2026-03-10 14:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Please see attached HELOC documents. These HELOC docs were uploaded already, as well. - Due Diligence Vendor-03/10/2026 <br> Open-Asset 3 Missing Proceeds From Secured Loan' proof of docs are missing in file, please provide - Due Diligence Vendor-03/09/2026 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/10/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.50 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 859258_xxxxxx_HELOC.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859268 | xxxxxx | C A | Closed | xxxxxx | 2026-04-29 15:34 | 2026-05-06 13:49 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. Please see attached Disclosures. - Due Diligence Vendor-05/04/2026 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/29/2026 |  | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-05/06/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.74% Is Below The Guideline Maximum Of 75% 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 - 26.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review859268_xxxxxx_5_1_2026_22513_PM.zip<br> 859268_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_200600.pdf<br> 859268_xxxxxx_FinalComplianceCheck.pdf<br> 859268_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_192114.pdf<br> 859268_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_201407.pdf<br> 859268_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_180956.pdf<br> 859268_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_165207.pdf<br> 859268_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_152844.pdf<br> 859268_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_080635.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859268 | xxxxxx | C A | Closed | xxxxxx | 2026-05-06 13:01 | 2026-05-06 13:46 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-N/A - Due Diligence Vendor-05/06/2026 <br> Resolved- - Due Diligence Vendor-05/06/2026 <br> Open- - Due Diligence Vendor-05/06/2026 <br> Open- - Due Diligence Vendor-05/06/2026 <br> Open- - Due Diligence Vendor-05/06/2026 <br> Open- - Due Diligence Vendor-05/06/2026 <br> Open- - Due Diligence Vendor-05/06/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/06/2026 <br> Open- - Due Diligence Vendor-05/06/2026 |  | Resolved-N/A - Due Diligence Vendor-05/06/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 683 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.74% Is Below The Guideline Maximum Of 75% 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 - 26.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859271 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859307 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-13 17:37 | 2026-02-22 09:35 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Exception granted with compensating factorsException granted with supporting comp factors: for AVM confidence score is less than 90% - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached, xxxxxx - Seller-02/18/2026 <br> Counter-Missing approved Lender exception for AVM confidence score is less than 90% - Due Diligence Vendor-02/15/2026 <br> Ready for Review-xxxxxx Team, the AVM from xxxxxx so we accept the confidence is 87 or greater. This AVM is 89%, so please waive this condition. xxxxxx - Seller-02/14/2026 <br> Open-Confidence Score <90%. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached, xxxxxx - Seller-02/18/2026 <br> Ready for Review-xxxxxx Team, the AVM from xxxxxx so we accept the confidence is 87 or greater. This AVM is 89%, so please waive this condition. xxxxxx - Seller-02/14/2026 | Waived-Exception granted with compensating factorsException granted with supporting comp factors: for AVM confidence score is less than 90% - Due Diligence Vendor-02/22/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.65 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years | BORROWER AT CURRENT RESIDENCE FOR FIVE (5) OR MORE YEARS<br> MONTHS RESERVES ARE GREATER THAN THE GUIDELINE MINIMUM BY SIX (6) OR MORE MONTHS | AVM exception-xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 859309 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859314 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859451 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-21 11:43 | 2026-05-12 12:48 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received lender's attestation in relation to affiliates. - Due Diligence Vendor-05/12/2026 <br> Resolved- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please see attached Seller / Lender rebuttal. - Buyer-05/11/2026 <br> Counter-\*\*\*Received missing closing disclosures and updated compliance test resulted in additional findings. The Initial CD disclosed increases to fees that remained through the Final CD. The Closing Protection Letter increased $7.80, The Lender's Title Ins increased $54.20, and the Binder/Commitment fee increased $1.50. Additionally, the Final CD disclosed a Travel not previously disclosed of $125. Because these fees are payable to an affiliate of the lender, the fees are subject to a zero tolerance without a valid COC reason. - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $188.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/21/2026 |  | Resolved-\*\*\*Received lender's attestation in relation to affiliates. - Due Diligence Vendor-05/12/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.68% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxxxxx rebuttal (1) (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859451 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-21 11:43 | 2026-05-12 12:48 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-\*\*\*Received lender's attestation in relation to affiliates. - Due Diligence Vendor-05/12/2026 <br> Resolved- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please see attached Seller / Lender rebuttal. - Seller-05/11/2026 <br> Counter-\*\*\*Received missing closing disclosures and updated compliance test resulted in additional findings. The Initial CD disclosed increases to fees that remained through the Final CD. The Closing Protection Letter increased $7.80, The Lender's Title Ins increased $54.20, and the Binder/Commitment fee increased $1.50. Additionally, the Final CD disclosed a Travel not previously disclosed of $125. Because these fees are payable to an affiliate of the lender, the fees are subject to a zero tolerance without a valid COC reason. - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. Please see attached Seller / Lender rebuttal. - Seller-05/11/2026<br>| Resolved-\*\*\*Received lender's attestation in relation to affiliates. - Due Diligence Vendor-05/12/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.68% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxxxxx rebuttal (1) (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859451 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-21 11:43 | 2026-05-12 12:48 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received lender's attestation in relation to affiliates. - Due Diligence Vendor-05/12/2026 <br> Resolved- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please see attached Seller / Lender rebuttal. - Buyer-05/11/2026 <br> Counter-\*\*\*Received missing closing disclosures and updated compliance test resulted in additional findings. The Initial CD disclosed increases to fees that remained through the Final CD. The Closing Protection Letter increased $7.80, The Lender's Title Ins increased $54.20, and the Binder/Commitment fee increased $1.50. Additionally, the Final CD disclosed a Travel not previously disclosed of $125. Because these fees are payable to an affiliate of the lender, the fees are subject to a zero tolerance without a valid COC reason. - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/21/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/21/2026 |  | Resolved-\*\*\*Received lender's attestation in relation to affiliates. - Due Diligence Vendor-05/12/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.68% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxxxxx rebuttal (1) (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859451 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-15 10:53 | 2026-04-21 12:02 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please see attached initial cd and interim cds. - Due Diligence Vendor-04/17/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure & Revised Closing Disclosure we have COC dated on xxxxxx . Please provide complete TRID disclosure history and all TRID disclosures (CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/15/2026 |  | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-04/21/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.68% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | Full Review859451_xxxxxx_4_16_2026_54028_PM.zip<br> 859451_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_230352.pdf<br> 859451_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_200756.pdf<br> 859451_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_095321.pdf<br> 859451_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_161435.pdf<br> 859451_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_125846.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859451 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-15 03:20 | 2026-04-17 07:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached Bank Statement Summary. - Due Diligence Vendor-04/16/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/15/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/17/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.81% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.4 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.68% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | Missing Lender Worksheet or Bank Statement Summary | 859451_xxxxxx_859451_xxxxxx_ANALYSIS.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859467 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859607 | xxxxxx | D A | Closed | xxxxxx | 2026-04-30 23:28 | 2026-05-04 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Please see attached Condo Questionnaire. - Due Diligence Vendor-05/04/2026 <br> Open-HOA Questionnaire Document status is Missing. HOA questionnaire is required to vet xxxxxx criteria for established projects that do not have a CPM ID. - Due Diligence Vendor-05/01/2026 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/04/2026 | Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 32.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 28.67 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 48.31% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 859607_xxxxxx_Update_Q_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859607 | xxxxxx | D A | Closed | xxxxxx | 2026-04-23 11:14 | 2026-04-24 08:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached Master Cert. - Due Diligence Vendor-04/24/2026 <br> Open-Missing HO-6 Master Insurance Policy The file is missing the HO-6 master insurance policy. Please provide a copy for review. - Due Diligence Vendor-04/23/2026 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-04/24/2026 | Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 32.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 28.67 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 48.31% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 859607_xxxxxx_MC.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859623 | xxxxxx | D A | Closed | xxxxxx | 2026-02-13 10:48 | 2026-03-05 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Based on all documentation received thus far, all documents satisfy rental payment history. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-3/2/26 - Please re-review. We no longer have a prepayment of rent. As previously stated, an updated 1003 was provided to reference prior property Bwr owned and lived at. the Property Profile report validates the mortgage with xxxxxx, currently reporting history on her current credit report documents satisfactory pay history from 12/2021-11/2025. Bwr started renting current residence 6/2025 - 6/2026. The combo of the two is more than sufficient to document paid as agreed housing history. Please clear condition. - Buyer-03/02/2026 <br> Counter-Prepaid payments do not satisfy guideline requirement of most recent 12 month history - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. 2/27/26 - Please see attached1003 that shows prior address and a detailed property profile report to validate the mortgage with xxxxxx reporting on her current credit report to validate prior acceptable housing history payment prior to current rental residence. 12 months prior and present housing history adequately documented. Please clear. Documents also uploaded directly thru to xxxxxx to avoid receipt delays. - Buyer-02/27/2026 <br> Counter-Missing evidence of VOR/housing history payments for most recent 12 month period. provided lease and payment evidences payments from June 2025 through June 2026. Prepaid payments do not satisfy guideline requirement of most recent 12 month history; Missing evidence of housing/rental payment history covering March-June 2025. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Please see page 3 of lease uploaded on xxxxxx to verify xxxxxx is the landlord. $44,100 was paid on 6/09/25 from xxxxxx (Borrower) account to xxxxxx, landlord for annual rent for property xxxxxx (see pages 28 & 29 of lease uploaded). - Due Diligence Vendor-02/25/2026 <br> Counter-The Documents provided does not provide a payment History for rental payments, the Final 1003 states he's been renting at xxxxxx since xxxxxx - Missing all Months of Rent payments - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. 2/17/26 - please see attached. - Due Diligence Vendor-02/18/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. xxxxxx - Due Diligence Vendor-02/13/2026 |  | Resolved-Based on all documentation received thus far, all documents satisfy rental payment history. - Due Diligence Vendor-03/05/2026 | 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 812 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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>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 36.26 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 859623_xxxxxx_VOR.pdf<br> xxxxxx (1).pdf<br> xxxxxx 1003 and property profile.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859631 | xxxxxx | D A | Closed | xxxxxx | 2026-03-18 04:24 | 2026-03-24 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Bank account - Due Diligence Vendor-03/23/2026 <br> Open-Asset 1 Missing Provide the bank statement for xxxxxx account ending in 8656, reflecting a balance of $239,300, to verify assets for cash to close and required reserves. - Due Diligence Vendor-03/18/2026 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 59.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 859631_xxxxxx_Jan-xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859631 | xxxxxx | D A | Closed | xxxxxx | 2026-03-18 03:52 | 2026-03-24 10:07 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. HOI RCE - Due Diligence Vendor-03/23/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Missing Replacement Cost Estimator (RCE) documentation. Hazard insurance coverage is insufficient, as the current coverage amount of xxxxxx is below the minimum required amount of $xxxxxx. The RCE was not provided to support the adequacy of coverage. - Due Diligence Vendor-03/18/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 723 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 59.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 859631_xxxxxx_HOI_RCE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859635 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859636 | xxxxxx | D A | Closed | xxxxxx | 2026-02-13 16:01 | 2026-02-22 08:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. Please see business cert - Due Diligence Vendor-02/20/2026 <br> Open-Business Purpose Disclosure stating how funds will be used or letter from borrower regarding the use of funds is missing. - Due Diligence Vendor-02/13/2026 |  | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-02/22/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 100.1 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 859636_xxxxxx_business_purpose.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859648 | xxxxxx | D A | Closed | xxxxxx | 2026-03-17 03:20 | 2026-03-31 18:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-03/31/2026 <br> Open-Missing HO-6 Master Insurance Policy HO-6 Master Insurance Policy is missing. - Due Diligence Vendor-03/17/2026 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-03/31/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 53.15% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Full Review859648_xxxxxx_3_17_2026_120553_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859648 | xxxxxx | D A | Closed | xxxxxx | 2026-03-17 03:04 | 2026-03-18 09:19 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached HOA Questionnaire. - Due Diligence Vendor-03/17/2026 <br> Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-03/17/2026 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/18/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 53.15% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 859648_xxxxxx_updated_Q.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859648 | xxxxxx | D A | Closed | xxxxxx | 2026-03-17 05:11 | 2026-03-17 18:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 77.89 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Cash Out $178,784.13. - Due Diligence Vendor-03/17/2026 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 2 Validated - Due Diligence Vendor-03/17/2026 |  | Resolved-Audited Reserves of 77.89 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-03/17/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.89 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 53.15% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 859648_xxxxxx_Certificates_Property_General_Liability_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859677 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859694 | xxxxxx | D A | Closed | xxxxxx | 2026-05-12 15:09 | 2026-05-21 08:43 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. Revised 1003 and 1008 attached - Due Diligence Vendor-05/20/2026 <br> Open-The final 1003 discloses the properties located at xxxxxx but the total monthly liability for the properties was not correctly disclosed. The xxxxxx loan xxxxxx disclosed for xxxxxx is actually secured with xxxxxx, as confirmed by the mortgage statement in the file. In addition, the properties located at xxxxxx were not disclosed with any monthly liability. Lender to provide the final 1003 that accurately discloses the total monthly liability for the properties located at xxxxxx. - Due Diligence Vendor-05/12/2026 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/21/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.35 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.4 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 33.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  | Full Review859694_xxxxxx_5_20_2026_125454_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 859694 | xxxxxx | D A | Closed | xxxxxx | 2026-05-12 15:01 | 2026-05-19 12:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Lender provided LOE - Due Diligence Vendor-05/19/2026 <br> Ready for Review-Document Uploaded. Credit Inquiry LOX attached. - Due Diligence Vendor-05/18/2026 <br> Open-The file does not contain a letter of explanation as required by guidelines for the 12/23/2025 and 12/27/2025 inquiries reflected in the Credit Report; all are within 90 days of the Credit Report date. Per the guidelines, credit inquiries listed on the report within 90 days of the report date must be addressed by the borrower with a letter of explanation. Lender to provide the borrower's signed letter of explanation for the inquiries. - Due Diligence Vendor-05/12/2026 |  | Resolved-Lender provided LOE - Due Diligence Vendor-05/19/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.35 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.4 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 33.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |  | 859694_xxxxxx_Complete_with_Docusign_xxxxxx_Inquir.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 859721 | xxxxxx | C A | Closed | xxxxxx | 2026-04-29 14:47 | 2026-05-06 08:14 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Please see attached initial cd and interim cds. - Due Diligence Vendor-05/01/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br> - Due Diligence Vendor-04/29/2026 |  | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-05/06/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.89 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review859721_xxxxxx_4_30_2026_22659_PM.zip<br> 859721_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_155402.pdf<br> 859721_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_123105.pdf<br> 859721_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_202626.pdf<br> 859721_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_185114.pdf<br> 859721_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_140231.pdf<br> 859721_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_211549.pdf<br> 859721_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_185412.pdf<br> 859721_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_145339.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859728 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859755 | xxxxxx | D A | Closed | xxxxxx | 2026-02-13 13:00 | 2026-02-20 16:12 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Field review provided - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Full field review - Seller-02/18/2026 <br> Open-Field review provided is blank. No CU or LCA score in file. Provide 3rd party valuation. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Full field review - Seller-02/18/2026<br>| Resolved-Field review provided - Due Diligence Vendor-02/20/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.71 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | FIELD REVIEW.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859758 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-10 05:11 | 2026-02-14 09:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Builder is in control of HOA | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Exception to allow that the builder is in control of HOA - Due Diligence Vendor-02/14/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Open-The Builder is in control of the HOA - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026<br>| Waived-Exception granted with compensating factorsException granted with supporting comp factors: Exception to allow that the builder is in control of HOA - Due Diligence Vendor-02/14/2026 | 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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | DSCR of 2.64<br> FICO of 810 is 150 points higher than minimum required.<br> Post closing reserves of 498.20 months.  | EXCEPTION FORM - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 859758 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-10 05:58 | 2026-02-13 11:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Exception to allow borrower who is living rent free and does not own any other REOS. As per guidelines, this is ineligible - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 <br> Open-Ineligible Vesting. Exception to allow borrower who is living rent free and does not own any other REOS. As per guidelines, this is <br> ineligible - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026<br>| Waived-Exception granted with compensating factorsException granted with supporting comp factors: Exception to allow borrower who is living rent free and does not own any other REOS. As per guidelines, this is ineligible - Due Diligence Vendor-02/13/2026 | 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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | DSCR of 2.64 <br> FICO of 810 is 150 points higher than minimum required. <br> Post closing reserves of 498.20 months. | EXCEPTION FORM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 859763 | xxxxxx | B A | Closed | xxxxxx | 2026-03-16 08:11 | 2026-03-16 08:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsNo primary housing history. Seek exception to allow. - Due Diligence Vendor-03/16/2026 |  | Waived-Exception granted with compensating factorsNo primary housing history. Seek exception to allow. - Due Diligence Vendor-03/16/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 76.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 29.73% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | - TV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> - DSCR > 1.3 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 859815 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859822 | xxxxxx | C A | Closed | xxxxxx | 2026-05-05 16:12 | 2026-05-07 15:19 | Resolved | 1 - Information C A | Property | Appraisal | Primary Value Product Not Allowable for 2nd Lien HPML | Resolved-1004 appraisal provided. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. Please see attached Appraisal - Due Diligence Vendor-05/07/2026 <br> Open-Loan is a Higher Priced Mortgage Loan (HPML) 2nd lien and the original valuation product provided is an AVM. Per guidelines, a full appraisal is required. comp factor - Due Diligence Vendor-05/05/2026 |  | Resolved-1004 appraisal provided. - Due Diligence Vendor-05/07/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | 859822_xxxxxx_Appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859835 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-16 18:20 | 2026-04-30 13:43 | Cured | 2 - Non-Material C B | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Cured-Corrected ROR form issued with proof of delivery, xxxxxx - xxxxxx - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. Please see NORTC Attached for review. - Due Diligence Vendor-04/29/2026 <br> Counter-\*\*\*Received copy of the same NORTC that is in the original file. Finding remains unresolved. The loan being refinanced and paid off was originated by the same lender that is originating the subject loan. This is considered a same lender refinance and the correct Notice of Right to Cancel should be in the H9 form model. The NORTC in the original file is in the H8, new creditor, form model. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please see attached Right to Cancel Form. - Due Diligence Vendor-04/17/2026 <br> Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). \*\*\*\*\*\*Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-04/16/2026 |  | Cured-Corrected ROR form issued with proof of delivery, xxxxxx - xxxxxx - Due Diligence Vendor-04/30/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.74 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.74 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 689 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review859835_xxxxxx_4_17_2026_114953_AM.zip<br> 859835_xxxxxx_nortc.pdf<br> 859835_xxxxxx_NORTC_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859835 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-16 11:57 | 2026-04-21 08:57 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please see attached initial cd and interim cd. - Due Diligence Vendor-04/17/2026 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/16/2026 |  | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-04/21/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.74 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.74 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 689 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review859835_xxxxxx_4_17_2026_114904_AM.zip<br> 859835_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_212214.pdf<br> 859835_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_150218.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859838 | xxxxxx | D A | Closed | xxxxxx | 2026-03-16 09:58 | 2026-03-17 12:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. please see title - Due Diligence Vendor-03/17/2026 <br> Open-Title Document is missing for subject property address. - Due Diligence Vendor-03/16/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-03/17/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 64.98% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 11 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 859838_xxxxxx_Title_Commitment_334k.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859847 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859852 | xxxxxx | D A | Closed | xxxxxx | 2026-02-26 15:37 | 2026-03-05 09:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Lender provided additional information showing funds and reserves coming from 2 xxxxxx accounts. xxxxxx moved to 0% usage. Also provided OA to show xxxxxx owned by B1. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. EMC Cleared Bank, Gift, Cashout (for reserves), and xxxxxx xxxxxx $125,265.00 xxxxxx (Biz) - AND xxxxxx xxxxxx (reserves) - Due Diligence Vendor-03/04/2026 <br> Counter-Provided xxxxxx xxxxxx used in qualifying - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. xxxxxx Bank xxxxxx used in qualifying. - Due Diligence Vendor-03/02/2026 <br> Open-Asset 1 Missing with xxxxxx xxxxxx $125,000 used for FTC and Reserves if/as applicable - Due Diligence Vendor-02/26/2026 |  | Resolved-Lender provided additional information showing funds and reserves coming from 2 xxxxxx accounts. xxxxxx moved to 0% usage. Also provided OA to show xxxxxx owned by B1. - Due Diligence Vendor-03/05/2026 | 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 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 10.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 859852_xxxxxx_859852_Assets.pdf<br> 859852_xxxxxx_GIFT_LETTER_summary_(1).pdf<br> 859852_xxxxxx_CASH_TO_CLOSE_JAN_ACCOUNT.pdf<br> 859852_xxxxxx_CURRENT_BALANCE_FOR_RESERVES_.pdf<br> 859852_xxxxxx_gift-letter.pdf<br> 859852_xxxxxx_OA_(1)_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859852 | xxxxxx | D A | Closed | xxxxxx | 2026-02-26 15:13 | 2026-03-05 09:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved- - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Please see attached Rider. - Due Diligence Vendor-03/05/2026 <br> Open-1-4 Family Rider is Missing The 1-4 Family Rider is missing - Due Diligence Vendor-02/27/2026 |  | Resolved- - Due Diligence Vendor-03/05/2026  | 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 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 10.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 859852_xxxxxx_20260224140932_001.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859852 | xxxxxx | D A | Closed | xxxxxx | 2026-02-26 15:13 | 2026-03-05 09:07 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Condo Rider is Missing | Resolved- - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Please see attached Rider. - Due Diligence Vendor-03/05/2026 <br> Open-Condo Rider is Missing The fully executed Condo Rider is missing - Due Diligence Vendor-02/27/2026 |  | Resolved- - Due Diligence Vendor-03/05/2026  | 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 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 10.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 859852_xxxxxx_20260224140932_001.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859852 | xxxxxx | D A | Closed | xxxxxx | 2026-02-26 16:06 | 2026-03-03 14:10 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see xxxxxx Approval - NonDel - Due Diligence Vendor-03/02/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/26/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/03/2026<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 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 10.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 859852_xxxxxx_859852_xxxxxx_FINAL_Notice_of_Loan_Approval_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859852 | xxxxxx | D A | Closed | xxxxxx | 2026-02-27 13:47 | 2026-03-03 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached documented Gift Funds. - Due Diligence Vendor-03/02/2026 <br> Open-Asset 2 Missing Asset 2 missing - Gift $45,000 from xxxxxx. Not shown on CD nor doc to support source, receipt.<br> - Due Diligence Vendor-02/27/2026 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-03/03/2026<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 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 10.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 859852_xxxxxx_GIFT_FUNDS_TRANSFERRED_TO_xxxxxx.pdf<br> 859852_xxxxxx_859852_Assets.pdf<br> 859852_xxxxxx_ACCT[8].pdf<br> 859852_xxxxxx_GIFT_LETTER_summary.pdf<br> 859852_xxxxxx_TRANSFER_TO_TITLE[41].pdf<br> 859852_xxxxxx_UPDATED_GIFT_LETTER.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859852 | xxxxxx | D A | Closed | xxxxxx | 2026-02-27 13:47 | 2026-03-03 14:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached documented Gift Funds. - Due Diligence Vendor-03/02/2026 <br> Open-Asset 3 Missing Asset 2 missing Gift $35,000 from xxxxxx. Not shown on CD nor doc to support source, receipt. - Due Diligence Vendor-02/27/2026 |  | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/03/2026<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 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 10.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review859852_xxxxxx_2_27_2026_42820_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859865 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 09:57 | 2026-05-01 11:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. Please see attached 1008/1003 - Asset removed. - Buyer-04/30/2026 <br> Open-Added asset information. - Due Diligence Vendor-04/07/2026 <br> Open-Asset 4 Missing - xxxxxx xxxxxx. - Due Diligence Vendor-04/07/2026 |  | Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-05/01/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.35% 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 - 30.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.7 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxxxxx 1008.pdf<br> xxxxxx 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859865 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 09:35 | 2026-04-08 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Please see attached Bank Statement Summary. - Due Diligence Vendor-04/07/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/06/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/08/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.35% 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 - 30.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.7 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.09 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 859865_xxxxxx_ANALYSIS.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 859944 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859948 | xxxxxx | D A | Closed | xxxxxx | 2026-03-26 05:45 | 2026-03-27 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. The 1008 commented by the UW reserves from proceeds of transaction, please see attached settlement statement showing proceeds for $93K. - Due Diligence Vendor-03/27/2026 <br> Open-Asset 1 Missing Missing Checking Statement for DSCR Loan Acct xxxxxx for xxxxxx per the 1003 - Due Diligence Vendor-03/26/2026 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-03/27/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 82.63 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 11.58 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 51.43% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 639 is Greater Than The Guideline Minimum Of 600 By Twenty (20) or More Points |  | 859948_xxxxxx_Settlement_Statement.pdf<br> 859948_xxxxxx_1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859952 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859965 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859987 | xxxxxx | D A | Closed | xxxxxx | 2026-03-04 18:47 | 2026-03-27 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-received EIN - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Requested has been attached - Seller-03/26/2026 <br> Counter-the condition is asking for the full EIN of xxxxxx - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. The EIN letter date is xxxxxx, which is the exact date all the other corp docs were created and verified with the state. - Seller-03/10/2026 <br> Counter-the EIN (IRS form) provided is for xxxxxx - the condition is asking for the full EIN of xxxxxx - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Docs uploaded - Seller-03/05/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing evidence of EIN for xxxxxx. CPA letter provided for entity confirms the EIN for this entity ends in xxxxxx - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Requested has been attached - Seller-03/26/2026 <br> Ready for Review-Document Uploaded. The EIN letter date is xxxxxx, which is the exact date all the other corp docs were created and verified with the state. - Seller-03/10/2026 <br> Ready for Review-Document Uploaded. Docs uploaded - Seller-03/05/2026 | Resolved-received EIN - Due Diligence Vendor-03/27/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.69% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 63.69% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 101.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | EIN.pdf<br> xxxxxx EIN.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859987 | xxxxxx | D A | Closed | xxxxxx | 2026-03-04 18:46 | 2026-03-05 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Signed Final HUD provided - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Please attached - Seller-03/05/2026 <br> Open-Missing final settlement statement or equivalent. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Please attached - Seller-03/05/2026<br>| Resolved-Signed Final HUD provided - Due Diligence Vendor-03/05/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.69% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Original LTV Of 63.69% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 101.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | HUD.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860007 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 860042 | xxxxxx | B A | Closed | xxxxxx | 2026-04-10 11:30 | 2026-04-10 11:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsAudited LTV of 80% exceeds Guideline LTV of 75%. - Due Diligence Vendor-04/10/2026 |  | Waived-Exception granted with compensating factorsAudited LTV of 80% exceeds Guideline LTV of 75% Lender exception for LTV with 696 credit score vs 700 needed for 80% LTV. - Due Diligence Vendor-04/10/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.25 Years<br> Qualifying FICO exceeds guideline minimum by 20+ points | Current home ownership > 5 years<br> Credit score > 20 points over minimum |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 860047 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860049 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860064 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860076 | xxxxxx | C A | Closed | xxxxxx | 2026-04-15 10:04 | 2026-04-21 13:02 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please see attached initial cd and interim cd. - Due Diligence Vendor-04/17/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the MISSING INITIAL CLOSING DISCLOSURE. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.. <br> - Due Diligence Vendor-04/15/2026 |  | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-04/21/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<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 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 39.84% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 860076_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_154425.pdf<br> 860076_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_172013.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860127 | xxxxxx | D A | Closed | xxxxxx | 2026-02-17 07:40 | 2026-02-25 08:34 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Enhanced Desk review provided - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Seller-02/23/2026 <br> Open-. Provide an Enhanced desk review (ARR, CDA, etc.) from xxxxxx-approved AMC as required for all loans. In lieu of desk review, field review or second appraisal allowed. If review value is >10% lower than appraisal, second appraisal required. Lower of the two values is used - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026<br>| Resolved-Enhanced Desk review provided - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | CCA_OTHER APPRAISAL REVIEW.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860127 | xxxxxx | D A | Closed | xxxxxx | 2026-02-16 05:15 | 2026-02-25 08:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Seller-02/23/2026 <br> Open-Personal Guaranty is missing. . Provide executed Personal Guaranty for xxxxxx. Subject to review and possible additional conditions. - Due Diligence Vendor-02/16/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026<br>| Resolved-Personal Guaranty is Present. - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | MISC SIGNED DOCS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860130 | xxxxxx | C A | Closed | xxxxxx | 2026-04-03 08:24 | 2026-04-17 10:06 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. - Seller-04/16/2026 <br> Counter-\*\*\*Received copy of the Final CD issued xxxxxx, same copy is in the original file and does not resolve the findings. The Final CD issued xxxxxx disclosed the Discount Points fee of $3,165.72 in Section A and the decrease to the lender credits in Section J. The original file contains a COC in relation to the changes with a date of change of xxxxxx. The new fee and decrease to lender credits were not disclosed to the borrower within 3 business days of the date of change of circumstance. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. - Seller-04/14/2026 <br> Open-Revised CD Missing with the 3 business of the COC dated xxxxxx. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. - Seller-04/16/2026 <br>Ready for Review-Document Uploaded. - Seller-04/14/2026<br>| Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-04/17/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.06 Years |  | Final closing CD xxxxxx.pdf<br> COC xxxxxx.pdf<br> COC xxxxxx.pdf<br> CD xxxxxx.pdf<br> CD xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860130 | xxxxxx | C A | Closed | xxxxxx | 2026-04-03 06:10 | 2026-04-17 09:53 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-04/17/2026 <br> Resolved- - Due Diligence Vendor-04/17/2026 <br> Ready for Review-see other cond for docs - Seller-04/16/2026 <br> Counter-\*\*\*Received copy of the Final CD issued xxxxxx, same copy is in the original file and does not resolve the findings. The Final CD issued xxxxxx disclosed the Discount Points fee of $3,165.72 in Section A and the decrease to the lender credits in Section J. The original file contains a COC in relation to the changes with a date of change of xxxxxx. The new fee and decrease to lender credits were not disclosed to the borrower within 3 business days of the date of change of circumstance. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-see other condition for document - Seller-04/14/2026 <br> Open-Revised CD Missing with the 3 business of the COC dated xxxxxx. - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,050.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/03/2026 | Ready for Review-see other cond for docs - Seller-04/16/2026 <br>Ready for Review-see other condition for document - Seller-04/14/2026<br>| Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-04/17/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.06 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860130 | xxxxxx | C A | Closed | xxxxxx | 2026-04-03 06:10 | 2026-04-17 09:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-04/17/2026 <br> Resolved- - Due Diligence Vendor-04/17/2026 <br> Ready for Review-see other cond for docs - Seller-04/16/2026 <br> Counter-\*\*\*Received copy of the Final CD issued xxxxxx, same copy is in the original file and does not resolve the findings. The Final CD issued xxxxxx disclosed the Discount Points fee of $3,165.72 in Section A and the decrease to the lender credits in Section J. The original file contains a COC in relation to the changes with a date of change of xxxxxx. The new fee and decrease to lender credits were not disclosed to the borrower within 3 business days of the date of change of circumstance. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-see other condition for document - Seller-04/14/2026 <br> Open-Revised CD Missing with the 3 business of the COC dated xxxxxx. - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $3,165.72.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/03/2026 | Ready for Review-see other cond for docs - Seller-04/16/2026 <br>Ready for Review-see other condition for document - Seller-04/14/2026<br>| Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-04/17/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.06 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860130 | xxxxxx | C A | Closed | xxxxxx | 2026-04-03 06:10 | 2026-04-17 09:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-04/17/2026 <br> Resolved- - Due Diligence Vendor-04/17/2026 <br> Ready for Review-see other cond for docs - Seller-04/16/2026 <br> Counter-\*\*\*Received copy of the Final CD issued xxxxxx, same copy is in the original file and does not resolve the findings. The Final CD issued xxxxxx disclosed the Discount Points fee of $3,165.72 in Section A and the decrease to the lender credits in Section J. The original file contains a COC in relation to the changes with a date of change of xxxxxx. The new fee and decrease to lender credits were not disclosed to the borrower within 3 business days of the date of change of circumstance. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-see other condition for document - Seller-04/14/2026 <br> Open-Revised CD Missing with the 3 business of the COC dated xxxxxx. - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/03/2026 | Ready for Review-see other cond for docs - Seller-04/16/2026 <br>Ready for Review-see other condition for document - Seller-04/14/2026<br>| Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-04/17/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.06 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860130 | xxxxxx | C A | Closed | xxxxxx | 2026-04-03 06:10 | 2026-04-17 09:53 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-04/17/2026 <br> Resolved- - Due Diligence Vendor-04/17/2026 <br> Ready for Review-see other cond for docs - Seller-04/16/2026 <br> Counter-\*\*\*Received copy of the Final CD issued xxxxxx, same copy is in the original file and does not resolve the findings. The Final CD issued xxxxxx disclosed the Discount Points fee of $3,165.72 in Section A and the decrease to the lender credits in Section J. The original file contains a COC in relation to the changes with a date of change of xxxxxx. The new fee and decrease to lender credits were not disclosed to the borrower within 3 business days of the date of change of circumstance. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-see other condition for document - Seller-04/14/2026 <br> Open-Revised CD Missing with the 3 business of the COC dated xxxxxx. - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/03/2026 | Ready for Review-see other cond for docs - Seller-04/16/2026 <br>Ready for Review-see other condition for document - Seller-04/14/2026<br>| Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-04/17/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.06 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860139 | xxxxxx | D A | Closed | xxxxxx | 2026-04-29 09:37 | 2026-05-19 22:28 | Resolved | 1 - Information C A | Credit | Borrower | Ineligible Vesting | Resolved-Title policy provided now reflecting vesting as xxxxxx xxxxxx - Due Diligence Vendor-05/20/2026 <br> Ready for Review-Document Uploaded. See updated title with proposed borrower xxxxxx xxxxxx. - Due Diligence Vendor-05/14/2026 <br> Open-Ineligible Vesting. Per title work available in file, borrower looks to be as an individual. However, the Note and DOT were executed on behalf of xxxxxx xxxxxx. Missing updated title work that shows borrower vesting as xxxxxx xxxxxx. If property is to be vested to the borrower individually, Note and DOT to be re-executed to align. - Due Diligence Vendor-04/29/2026 |  | Resolved-Title policy provided now reflecting vesting as xxxxxx xxxxxx - Due Diligence Vendor-05/20/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 127.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 680 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 0.14<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.81 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.92 Years |  | 860139_xxxxxx_Title_2.pdf<br> 860139_xxxxxx_Title.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860139 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 11:52 | 2026-05-19 22:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-05/20/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/14/2026 <br> Open-Personal Guaranty is missing. - Due Diligence Vendor-03/12/2026 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-05/20/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 127.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 680 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 0.14<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.81 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.92 Years |  | xxxxxx_Guaranty.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860139 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 09:01 | 2026-05-19 22:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Entity documents provided - Due Diligence Vendor-05/20/2026 <br> Ready for Review-Document Uploaded. See attached Certificate of Formation, EIN verifying borrower as sole member and active status verifying good standing. - Due Diligence Vendor-05/14/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement and evidence of EIN. - Due Diligence Vendor-03/12/2026 |  | Resolved-Entity documents provided - Due Diligence Vendor-05/20/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 127.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 680 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 0.14<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.81 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.92 Years |  | 860139_xxxxxx_Active_and_xxxxxx.pdf<br> 860139_xxxxxx-GFE.pdf<br> 860139_xxxxxx_Certificate.pdf<br> 860139_xxxxxx_Cert.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860139 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 09:00 | 2026-05-19 22:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement for xxxxxx (escrowed) and First payment letter (escrowed) for xxxxxx provided - Due Diligence Vendor-05/20/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/14/2026 <br> Open-Missing mortgage statement for xxxxxx missing mortgage statement and HOI <br> - Due Diligence Vendor-03/12/2026 |  | Resolved-Mortgage statement for xxxxxx (escrowed) and First payment letter (escrowed) for xxxxxx provided - Due Diligence Vendor-05/20/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 127.54 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 706 is Greater Than The Guideline Minimum Of 680 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 0.14<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.81 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.92 Years |  | mtg statements.pdf<br> xxxxxx_Both_property-MS (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860143 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860151 | xxxxxx | B A | Closed | xxxxxx | 2026-03-08 03:20 | 2026-03-09 14:40 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Approval - Loan Terms. - Due Diligence Vendor-03/09/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/08/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/09/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.85 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 710 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 860151_xxxxxx_860151_ldl-report_2262026143152_143152.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860162 | xxxxxx | B A | Closed | xxxxxx | 2026-05-07 14:55 | 2026-05-07 14:55 | Waived | 2 - Non-Material B | Credit | Eligibility | HOA questionaire does not meet guidelines | Waived-Exception granted with compensating factorsHOA documentation provided does not meet guidelines. Condo Investor Concentration greater than 60%<br> - Due Diligence Vendor-05/07/2026 |  | Waived-Exception granted with compensating factorsHOA documentation provided does not meet guidelines. Condo Investor Concentration greater than 60%<br> - Due Diligence Vendor-05/07/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | FICO Score 10 points > minimum required<br> DTI <= 36% which is below requirement in guidelines<br> Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 860233 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860236 | xxxxxx | B A | Closed | xxxxxx | 2026-03-18 11:05 | 2026-04-01 16:10 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Please see 1008 - Due Diligence Vendor-03/26/2026 <br> Counter-The condition is for Updated 1008 from the Lender as LTV/CLTV is not matching due to Appraised Value of xxxxxx vs Lenders Value of xxxxxx. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Yes, please provide updated 1008 - Due Diligence Vendor-03/19/2026 <br> Open-1008/Underwriting Summary Partially Provided LTV/CLTV is not matching due to Appraised Value, provide updated 1008. - Due Diligence Vendor-03/18/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/27/2026 | 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 57.14% Is Below The Guideline Maximum Of 75% 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 Borrower At Current Residence For Five (5) Or More Years - 11 Years<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 11.45 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 860236_xxxxxx_1008.pdf<br> xxxxxx_Tax Cert.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860243 | xxxxxx | B A | Closed | xxxxxx | 2026-02-26 07:28 | 2026-03-02 13:19 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. 2/27/26 - please see 1008. - Due Diligence Vendor-02/27/2026 <br> Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-02/26/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/02/2026 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114.21 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 114.21 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 860243_xxxxxx_1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860249 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860265 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860289 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860295 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860305 | xxxxxx | D A | Closed | xxxxxx | 2026-03-13 17:03 | 2026-03-17 16:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Prepayment Penalty Information Unavailable | Resolved-Updated addendums and rider, CD present. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/16/2026 <br> Open-Revised Prepayment Penalty and Terms to be reviewed. - Due Diligence Vendor-03/13/2026 |  | Resolved-Updated addendums and rider, CD present. - Due Diligence Vendor-03/17/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.23% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 679 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | xxxxxx updated PP docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860321 | xxxxxx | C A | Closed | xxxxxx | 2026-04-15 18:27 | 2026-05-13 14:14 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/12/2026 <br> Counter-The initial Final Property Inspection Fee of $200.00 is supported by a valid change of circumstance and meets timing requirements, as the appraisal signed on xxxxxx identified xxxxxx subject to completion and the fee was disclosed to the borrower on 2/7/2026. However, the subsequent increase from $200.00 to $225.00 disclosed on 2/10/2026 is not supported by a separate valid change of circumstance and appears indicative of an under-disclosed fee. Additionally, while the rebuttal LOE sufficiently supports the addition of the $200.00 Appraisal Trip Fee as new information resulting from the appraiser's denied access on 2/19/2026, it simultaneously establishes that the lender had sufficient knowledge as of that same event that an additional final inspection and related increase would be required. As such, the increased Final Inspection Fee not disclosed until 2/25/2026 does not satisfy change of circumstance or timing requirements. Therefore, the 0% tolerance cure of $200.00 related to the increased Final Inspection Fee remains valid, defensible, and required. With respect to the Tax Transcript Fee, the borrower executed IRS Form 8821 Tax Information Authorization on 1/28/2026 as part of xxxxxx requirements, and the documentation/LOE provided does not demonstrate that the full charge was new, unknown, or could not reasonably have been known by the lender prior to the increase disclosed on 3/27/2026. The fee increase appears indicative of an initially under-disclosed charge and does not support a valid change of circumstance or compliant redisclosure timing. Unless additional supporting documentation exists that has not yet been provided to TPR, an additional cure of $16.00 is required, resulting in a total cumulative cure amount of $216.00. xxxxxx - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/06/2026 <br> Counter-An Additional 13 TRID disclosures have been provided in curative. Compliance Test generated resulting in additional findings``````````````````````````The following charges have been either added or increased: Final Inspection fee disclosed in the amount of 200.00 increased to 400.00. Appraisal Trip fee in the amount of200.00 added after the appraisal charge(s) were disclosed. Tax Transcript fee in the amount of 16.00 added. There is nothing in the file to indicate any new information the lender did not have sufficient knowledge of to validate a change of circumstance event for any of these charges. \*\*\*\*\*\*resulting in a cumulative of 0% tolerance cure(s) in the amount of $416.00_. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/24/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Revised Loan Estimate however COC available on xxxxxx Please provide complete TRID disclosure history and all TRID disclosures (LEs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/15/2026 |  | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-05/13/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.35 Years<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 0.14<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 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | AmendedClosingDisclosure_xxxxxx__xxxxxx_141407.pdf<br> ClosingStatementBuyer_xxxxxx_14-24.pdf<br> xxxxxx summary.pdf<br> Full Review860321_xxxxxx_5_5_2026_51949_PM.zip<br> Full Review860321_xxxxxx_5_12_2026_122223_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860321 | xxxxxx | C A | Closed | xxxxxx | 2026-04-15 18:31 | 2026-05-13 14:14 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/12/2026 <br> Counter-The initial Final Property Inspection Fee of $200.00 is supported by a valid change of circumstance and meets timing requirements, as the appraisal signed on xxxxxx identified xxxxxx subject to completion and the fee was disclosed to the borrower on 2/7/2026. However, the subsequent increase from $200.00 to $225.00 disclosed on 2/10/2026 is not supported by a separate valid change of circumstance and appears indicative of an under-disclosed fee. Additionally, while the rebuttal LOE sufficiently supports the addition of the $200.00 Appraisal Trip Fee as new information resulting from the appraiser's denied access on 2/19/2026, it simultaneously establishes that the lender had sufficient knowledge as of that same event that an additional final inspection and related increase would be required. As such, the increased Final Inspection Fee not disclosed until 2/25/2026 does not satisfy change of circumstance or timing requirements. Therefore, the 0% tolerance cure of $200.00 related to the increased Final Inspection Fee remains valid, defensible, and required. With respect to the Tax Transcript Fee, the borrower executed IRS Form 8821 Tax Information Authorization on 1/28/2026 as part of xxxxxx requirements, and the documentation/LOE provided does not demonstrate that the full charge was new, unknown, or could not reasonably have been known by the lender prior to the increase disclosed on 3/27/2026. The fee increase appears indicative of an initially under-disclosed charge and does not support a valid change of circumstance or compliant redisclosure timing. Unless additional supporting documentation exists that has not yet been provided to TPR, an additional cure of $16.00 is required, resulting in a total cumulative cure amount of $216.00. xxxxxx - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. Please see attached inital cd and interim cds including compliance lo. - Due Diligence Vendor-05/06/2026 <br> Counter-An Additional 13 TRID disclosures have been provided in curative. Compliance Test generated resulting in additional findings``````````````````````````The following charges have been either added or increased: Final Inspection fee disclosed in the amount of 200.00 increased to 400.00. Appraisal Trip fee in the amount of200.00 added after the appraisal charge(s) were disclosed. Tax Transcript fee in the amount of 16.00 added. There is nothing in the file to indicate any new information the lender did not have sufficient knowledge of to validate a change of circumstance event for any of these charges. \*\*\*\*\*\*resulting in a cumulative of 0% tolerance cure(s) in the amount of $416.00_. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 <br> Open-Documentation provided does not contain the Initial closing disclosure & Revised closing Disclosure however COC available on xxxxxx Please provide complete TRID disclosure history and all TRID disclosures (CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/15/2026 |  | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-05/13/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.35 Years<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 0.14<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 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | Full Review860321_xxxxxx_5_5_2026_51949_PM.zip<br> Full Review860321_xxxxxx_5_12_2026_122139_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860321 | xxxxxx | C A | Closed | xxxxxx | 2026-04-24 17:37 | 2026-05-13 13:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received COCs, lender's explanation and missing disclosures. - Due Diligence Vendor-05/13/2026 <br> Resolved- - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/12/2026 <br> Counter-The initial Final Property Inspection Fee of $200.00 is supported by a valid change of circumstance and meets timing requirements, as the appraisal signed on xxxxxx identified xxxxxx subject to completion and the fee was disclosed to the borrower on 2/7/2026. However, the subsequent increase from $200.00 to $225.00 disclosed on 2/10/2026 is not supported by a separate valid change of circumstance and appears indicative of an under-disclosed fee. Additionally, while the rebuttal LOE sufficiently supports the addition of the $200.00 Appraisal Trip Fee as new information resulting from the appraiser's denied access on 2/19/2026, it simultaneously establishes that the lender had sufficient knowledge as of that same event that an additional final inspection and related increase would be required. As such, the increased Final Inspection Fee not disclosed until 2/25/2026 does not satisfy change of circumstance or timing requirements. Therefore, the 0% tolerance cure of $200.00 related to the increased Final Inspection Fee remains valid, defensible, and required. With respect to the Tax Transcript Fee, the borrower executed IRS Form 8821 Tax Information Authorization on 1/28/2026 as part of xxxxxx requirements, and the documentation/LOE provided does not demonstrate that the full charge was new, unknown, or could not reasonably have been known by the lender prior to the increase disclosed on 3/27/2026. The fee increase appears indicative of an initially under-disclosed charge and does not support a valid change of circumstance or compliant redisclosure timing. Unless additional supporting documentation exists that has not yet been provided to TPR, an additional cure of $16.00 is required, resulting in a total cumulative cure amount of $216.00. xxxxxx - Due Diligence Vendor-05/07/2026 <br> Ready for 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 $216.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/07/2026 <br> Open- - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/06/2026 <br> Counter-An Additional 13 TRID disclosures have been provided in curative. Compliance Test generated resulting in additional findings``````````````````````````The following charges have been either added or increased: Final Inspection fee disclosed in the amount of 200.00 increased to 400.00. Appraisal Trip fee in the amount of200.00 added after the appraisal charge(s) were disclosed. Tax Transcript fee in the amount of 16.00 added. There is nothing in the file to indicate any new information the lender did not have sufficient knowledge of to validate a change of circumstance event for any of these charges. \*\*\*\*\*\*resulting in a cumulative of 0% tolerance cure(s) in the amount of $416.00_. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $416.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,430.20.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/24/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,430.20.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 |  | Resolved-\*\*\*Received COCs, lender's explanation and missing disclosures. - Due Diligence Vendor-05/13/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.35 Years<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 0.14<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 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | Full Review860321_xxxxxx_5_5_2026_52627_PM.zip<br> Full Review860321_xxxxxx_5_12_2026_122248_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860321 | xxxxxx | C A | Closed | xxxxxx | 2026-04-24 17:37 | 2026-05-13 13:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-\*\*\*Received COCs, lender's explanation and missing disclosures. - Due Diligence Vendor-05/13/2026 <br> Resolved- - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/12/2026 <br> Counter-The initial Final Property Inspection Fee of $200.00 is supported by a valid change of circumstance and meets timing requirements, as the appraisal signed on xxxxxx identified xxxxxx subject to completion and the fee was disclosed to the borrower on 2/7/2026. However, the subsequent increase from $200.00 to $225.00 disclosed on 2/10/2026 is not supported by a separate valid change of circumstance and appears indicative of an under-disclosed fee. Additionally, while the rebuttal LOE sufficiently supports the addition of the $200.00 Appraisal Trip Fee as new information resulting from the appraiser's denied access on 2/19/2026, it simultaneously establishes that the lender had sufficient knowledge as of that same event that an additional final inspection and related increase would be required. As such, the increased Final Inspection Fee not disclosed until 2/25/2026 does not satisfy change of circumstance or timing requirements. Therefore, the 0% tolerance cure of $200.00 related to the increased Final Inspection Fee remains valid, defensible, and required. With respect to the Tax Transcript Fee, the borrower executed IRS Form 8821 Tax Information Authorization on 1/28/2026 as part of xxxxxx requirements, and the documentation/LOE provided does not demonstrate that the full charge was new, unknown, or could not reasonably have been known by the lender prior to the increase disclosed on 3/27/2026. The fee increase appears indicative of an initially under-disclosed charge and does not support a valid change of circumstance or compliant redisclosure timing. Unless additional supporting documentation exists that has not yet been provided to TPR, an additional cure of $16.00 is required, resulting in a total cumulative cure amount of $216.00. xxxxxx - Due Diligence Vendor-05/07/2026 <br> Open- - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/06/2026 <br> Counter-An Additional 13 TRID disclosures have been provided in curative. Compliance Test generated resulting in additional findings``````````````````````````The following charges have been either added or increased: Final Inspection fee disclosed in the amount of 200.00 increased to 400.00. Appraisal Trip fee in the amount of200.00 added after the appraisal charge(s) were disclosed. Tax Transcript fee in the amount of 16.00 added. There is nothing in the file to indicate any new information the lender did not have sufficient knowledge of to validate a change of circumstance event for any of these charges. \*\*\*\*\*\*resulting in a cumulative of 0% tolerance cure(s) in the amount of $416.00_. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 |  | Resolved-\*\*\*Received COCs, lender's explanation and missing disclosures. - Due Diligence Vendor-05/13/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.35 Years<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 0.14<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 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | Full Review860321_xxxxxx_5_5_2026_51733_PM.zip<br> Full Review860321_xxxxxx_5_12_2026_122322_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860321 | xxxxxx | C A | Closed | xxxxxx | 2026-04-24 17:37 | 2026-05-13 13:56 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received COCs, lender's explanation and missing disclosures. - Due Diligence Vendor-05/13/2026 <br> Resolved- - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/12/2026 <br> Counter-The initial Final Property Inspection Fee of $200.00 is supported by a valid change of circumstance and meets timing requirements, as the appraisal signed on xxxxxx identified xxxxxx subject to completion and the fee was disclosed to the borrower on 2/7/2026. However, the subsequent increase from $200.00 to $225.00 disclosed on 2/10/2026 is not supported by a separate valid change of circumstance and appears indicative of an under-disclosed fee. Additionally, while the rebuttal LOE sufficiently supports the addition of the $200.00 Appraisal Trip Fee as new information resulting from the appraiser's denied access on 2/19/2026, it simultaneously establishes that the lender had sufficient knowledge as of that same event that an additional final inspection and related increase would be required. As such, the increased Final Inspection Fee not disclosed until 2/25/2026 does not satisfy change of circumstance or timing requirements. Therefore, the 0% tolerance cure of $200.00 related to the increased Final Inspection Fee remains valid, defensible, and required. With respect to the Tax Transcript Fee, the borrower executed IRS Form 8821 Tax Information Authorization on 1/28/2026 as part of xxxxxx requirements, and the documentation/LOE provided does not demonstrate that the full charge was new, unknown, or could not reasonably have been known by the lender prior to the increase disclosed on 3/27/2026. The fee increase appears indicative of an initially under-disclosed charge and does not support a valid change of circumstance or compliant redisclosure timing. Unless additional supporting documentation exists that has not yet been provided to TPR, an additional cure of $16.00 is required, resulting in a total cumulative cure amount of $216.00. xxxxxx - Due Diligence Vendor-05/07/2026 <br> Open- - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. Please see attached Disclosure Summary and Rebuttal(s). - Due Diligence Vendor-05/06/2026 <br> Counter-An Additional 13 TRID disclosures have been provided in curative. Compliance Test generated resulting in additional findings``````````````````````````The following charges have been either added or increased: Final Inspection fee disclosed in the amount of 200.00 increased to 400.00. Appraisal Trip fee in the amount of200.00 added after the appraisal charge(s) were disclosed. Tax Transcript fee in the amount of 16.00 added. There is nothing in the file to indicate any new information the lender did not have sufficient knowledge of to validate a change of circumstance event for any of these charges. \*\*\*\*\*\*resulting in a cumulative of 0% tolerance cure(s) in the amount of $416.00_. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 |  | Resolved-\*\*\*Received COCs, lender's explanation and missing disclosures. - Due Diligence Vendor-05/13/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.35 Years<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 0.14<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 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | Full Review860321_xxxxxx_5_5_2026_52441_PM.zip<br> Full Review860321_xxxxxx_5_12_2026_122346_PM.zip<br> 860321_xxxxxx_rebuttal.pdf<br> 860321_xxxxxx_rebuttal_(1).pdf<br> 860321_xxxxxx_discl_summary_(1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860321 | xxxxxx | C A | Closed | xxxxxx | 2026-04-15 18:33 | 2026-04-24 18:11 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-reasonable & paid to affiliate - Due Diligence Vendor-04/24/2026 <br> Resolved- - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/16/2026 <br> Open- - Due Diligence Vendor-04/16/2026 <br> Open- - Due Diligence Vendor-04/16/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 |  | Resolved-reasonable & paid to affiliate - Due Diligence Vendor-04/24/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.35 Years<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 0.14<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 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860321 | xxxxxx | C A | Closed | xxxxxx | 2026-04-15 02:45 | 2026-04-17 09:19 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached 1004D. - Due Diligence Vendor-04/17/2026 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-04/15/2026 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-04/17/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.35 Years<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 0.14<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 44.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 15.00 Years |  | 860321_xxxxxx_1004D.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860322 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860329 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860340 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860346 | xxxxxx | B A | Closed | xxxxxx | 2026-03-17 04:15 | 2026-03-17 04:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsHousing History Does Not Meet Guideline Requirements Exception to Current Guideline: VOR received from xxxxxx that is private owned - did not receive canceled checks / bank statements - Due Diligence Vendor-03/17/2026 |  | Waived-Exception granted with compensating factorsHousing History Does Not Meet Guideline Requirements Exception to Current Guideline: VOR received from xxxxxx that is private owned - did not receive canceled checks / bank statements - Due Diligence Vendor-03/17/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 132.98 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | Reserves exceed requirement by 10 months or more<br> Experienced investor owns and manages 2 or more properties for 12 months<br> DSCR > 1.15 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 860356 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860379 | xxxxxx | B A | Closed | xxxxxx | 2026-03-24 16:26 | 2026-03-24 16:37 | Waived | 2 - Non-Material B | Credit | Income | DSCR is less than the guideline minimum | Waived-Exception granted with compensating factorsCalculated DSCR of 0.812 is less than guideline DSCR of 1. DSCR score <1 for First time investor - Due Diligence Vendor-03/24/2026 |  | Waived-Exception granted with compensating factorsCalculated DSCR of 0.812 is less than guideline DSCR of 1. DSCR score <1 for First time investor - Due Diligence Vendor-03/24/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 715.46 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.37% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More | Credit Score 10 points > minimum required<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Reserves exceed requirement by 2 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 860382 | xxxxxx | D A | Closed | xxxxxx | 2026-03-06 11:37 | 2026-04-24 13:01 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/10/2026 <br> Ready for Review-3/6/26 - please rescind condition. You have the Loan approval. It's even indexed as "Loan Approval" w/in your document menu. - Buyer-03/10/2026 <br> Open-1008/Underwriting Summary Not Provided Final 1008 not on file with rest of uploaded documents. Please provide - Due Diligence Vendor-03/06/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/10/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.42 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860382 | xxxxxx | D A | Closed | xxxxxx | 2026-03-06 08:58 | 2026-03-13 13:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Note data is missing or inaccurate | Resolved-Client states maximum allowable by Law for xxxxxx mortgage default rate will apply. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-- 3/11/26 - Lender response: Please see Section A, the Note defines the Default Rate as the Maximum Interest Rate. The Note further defines Maximum Interest Rate as the maximum amount of interest allowed by applicable law. The applicable default interest rate is governed by xxxxxx law rather than a fixed percentage. - Due Diligence Vendor-03/13/2026 <br> Open-Note references default rate multiple times in section H, but no actual default rate percentage is given, either there or in the loan agreement between the lender and the client's LLC. Please provide, as currently we are using state allowed max rate 35% as the defacto default rate. - Due Diligence Vendor-03/06/2026 |  | Resolved-Client states maximum allowable by Law for xxxxxx mortgage default rate will apply. - Due Diligence Vendor-03/13/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.42 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860382 | xxxxxx | D A | Closed | xxxxxx | 2026-03-06 11:03 | 2026-03-11 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. 3/10/26 - please see insurance docs attached - Due Diligence Vendor-03/11/2026 <br> Open-Missing Hazard Insurance Policy Loan file has no documents for subject property that confirm HOI, outside of the amount on the HUD. Steadily Insurance HOI policy is not uploaded with the rest of the documentation to review. Please provide. - Due Diligence Vendor-03/06/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/11/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.42 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 860382_xxxxxx-Binder_(1).pdf<br> 860382_xxxxxx-RCE.pdf<br> 860382_xxxxxx-Invoice_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860386 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860390 | xxxxxx | B A | Closed | xxxxxx | 2026-02-27 01:46 | 2026-03-04 10:57 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. 1008 attached - Seller-03/03/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. 1008 attached - Seller-03/03/2026<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/04/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 52.22 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of 678 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860397 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-23 13:51 | 2026-04-03 13:29 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final Title provided. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. 4/2/26 - Please see attached Final Title Policy. - Buyer-04/02/2026 <br> Open-Property Title Issue Provide title supplement indicating the final title policy will be clear and other liens fully satisfied. The title in file shows #16 as a Vendor's Lien w Grantee(s): xxxxxx recorded on xxxxxx and Title shows two other liens on subject on #5 on title commitment recorded xxxxxx. Please confirm satisfied and removal. - Due Diligence Vendor-03/23/2026 <br> Open-Property Title Issue The title commitment reflected other liens not showing satisfied and or paid on final settlement statement. Preliminary title report shows on #16 on title shows Vendor's Lien w Grantee(s): xxxxxx,a xxxxxx on xxxxxx and Title reflected to other liens on subject on #5 on title commitment recorded xxxxxx. Please provide title supplement indicating these liens are satisfied and will not be on final title policy and or subordinated to subject 1st lien. - Due Diligence Vendor-03/23/2026 |  | Resolved-Final Title provided. - Due Diligence Vendor-04/03/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 814 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Experienced Real Estate Investor - Borrower has long term real estate investment experience with multiple additional investment properties |  | xxxxxx Final Title Policy.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860397 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-23 13:45 | 2026-03-27 13:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Required Reserves (Number of Months) | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Short reserves - Due Diligence Vendor-03/27/2026 <br> Ready for Review-3/27/26 - The request for an exception to Lender's eligibility criteria is granted by xxxxxx. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 3 - Experienced investor owns and manages 2 or more properties for 12 months - Buyer-03/27/2026 <br> Open-The required reserves are 6 months PITIA for subject property per xxxxxx DSCR guideline for xxxxxx Flow, borrowere is short reserves by -$4,355.71. - Due Diligence Vendor-03/23/2026 |  | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Short reserves - Due Diligence Vendor-03/27/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 814 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Experienced Real Estate Investor - Borrower has long term real estate investment experience with multiple additional investment properties | Compensating Factor 1 - Credit Score 30+ points > minimum required <br> Compensating Factor 2 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 3 - Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 860411 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860414 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860440 | xxxxxx | B A | Closed | xxxxxx | 2026-03-21 10:09 | 2026-03-24 14:50 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Loan Approval / Loan Terms. - Due Diligence Vendor-03/24/2026 <br> Open-1008/Underwriting Summary Not Provided Missing 1008 or Eligibility Review - Due Diligence Vendor-03/21/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/24/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1014.62 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 736 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | 860440_xxxxxx_Loan_#860440_LDL-Report_3-16-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860464 | xxxxxx | D A | Closed | xxxxxx | 2026-03-03 10:29 | 2026-03-05 08:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Please see title - Due Diligence Vendor-03/04/2026 <br> Open-Title Document is missing - Due Diligence Vendor-03/03/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-03/05/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.93 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 860464_xxxxxx_Title.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860467 | xxxxxx | C A | Closed | xxxxxx | 2026-05-14 11:06 | 2026-05-27 15:26 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received missing LE - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. Please see attached disclosure summary and all LE/CDs sent to borrower throughout loan process. - Due Diligence Vendor-05/27/2026 <br> Counter-\*\*\*We are still missing the Revised LE issued within 3 business days of the initial rate lock date of xxxxxx. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. Please see attached Initial CD and Interim CD. - Due Diligence Vendor-05/15/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure is missing.Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-05/14/2026 |  | Resolved-\*\*\*Received missing LE - Due Diligence Vendor-05/27/2026 |  |  | Full Review860467_xxxxxx_5_15_2026_22224_PM.zip<br> 860467_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_161842.pdf<br> 860467_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_123345.pdf<br> Full Review860467_xxxxxx 5_27_2026_113901_AM.zip<br> 860467_xxxxxx_TridDisclosureSummary.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860467 | xxxxxx | C A | Closed | xxxxxx | 2026-05-14 11:07 | 2026-05-27 15:25 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*\*Received missing LE - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. Please see attached disclosure summary and all LE/CDs sent to borrower throughout loan process. - Due Diligence Vendor-05/27/2026 <br> Counter-\*\*\*We are still missing the Revised LE issued within 3 business days of the initial rate lock date of xxxxxx. - Due Diligence Vendor-05/18/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. Please see attached Compliance Log. - Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/14/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx, - Due Diligence Vendor-05/14/2026 <br> Open- - Due Diligence Vendor-05/14/2026 |  | Resolved-\*\*\*Received missing LE - Due Diligence Vendor-05/27/2026 |  |  | Full Review860467_xxxxxx_5_15_2026_22408_PM.zip<br> 860467_xxxxxx_FinalComplianceCheck.pdf<br> Full Review860467_xxxxxx_5_27_2026_114010_AM.zip<br> 860467_xxxxxx_TridDisclosureSummary.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860477 | xxxxxx | B A | Closed | xxxxxx | 2026-03-23 15:22 | 2026-03-23 15:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted with compensating factorsAudited FICO of 698 is less than Guideline FICO of 720 Credit score of 698 does not meet minimum requirement of 720 for escrow waiver - Due Diligence Vendor-03/23/2026 |  | Waived-Exception granted with compensating factorsAudited FICO of 698 is less than Guideline FICO of 720 Credit score of 698 does not meet minimum requirement of 720 for escrow waiver - Due Diligence Vendor-03/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 29.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 25.29% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 10.25 Years | \* LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> \* Subject property home ownership > 10 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 860478 | xxxxxx | D A | Closed | xxxxxx | 2026-03-21 20:52 | 2026-03-26 09:04 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. 3/25/26 - Final 1003 - Due Diligence Vendor-03/26/2026 <br> Open-The Final 1003 is Missing FOR Borrower 3 - Due Diligence Vendor-03/22/2026 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/26/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 860478_xxxxxx_Closing_singed_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860484 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-05 16:40 | 2026-03-26 10:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsException granted with the identified comp factors: The request for an exception to xxxxxx eligibility criteria is granted for Missing evidence of 1 year short term rental experience required in prior 12 months. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-3/25/26 - Exception granted with the identified comp factors: The request for an exception to xxxxxx eligibility criteria is granted. Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 10 months or more - Buyer-03/25/2026 <br> Open-Missing evidence of 1 year short term rental experience required in prior 12 months. - Due Diligence Vendor-03/24/2026 <br> Open-Missing evidence of 1 year short term rental experience required in prior 12 months. 1008 notes First Time Investor, meets those requirements. (page 12 of xxxxxx guidelines) OR Lender exception for short term rental experience. - Due Diligence Vendor-03/23/2026 <br> Open-Missing evidence of 1 year short term rental experience required in prior 12 months. 1008 notes First Time Investor, meets those requirements. (page 12 of xxxxxx guidelines) OR Lender exception for short term rental experience. - Due Diligence Vendor-03/05/2026 |  | Waived-Exception granted with compensating factorsException granted with the identified comp factors: The request for an exception to xxxxxx eligibility criteria is granted for Missing evidence of 1 year short term rental experience required in prior 12 months. - Due Diligence Vendor-03/26/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 121.89 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Compensating Factor 2 - Credit Score 30+ points > minimum required <br> Compensating Factor 3 - Reserves exceed requirement by 10 months or more | xxxxxx xxxxxx.pdf<br> 860484_xxxxxx.pdf<br> 860484_xxxxxx_Program_Guidelines.pdf<br> 860484_xxxxxx_LOE.pdf<br> xxxxxx - xxxxxx report (2).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 860484 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-23 13:59 | 2026-03-23 14:19 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-xxxxxx report is fully present. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Conditions uploaded - Due Diligence Vendor-03/23/2026 <br> Open-Document Uploaded. - Due Diligence Vendor-03/23/2026 <br> Open-Provide full xxxxxx rentalizer report - Due Diligence Vendor-03/23/2026 |  | Resolved-xxxxxx report is fully present. - Due Diligence Vendor-03/23/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 121.89 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxxxxx xxxxxx.pdf<br> xxxxxx - xxxxxx report.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860504 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860525 | xxxxxx | C A | Closed | xxxxxx | 2026-04-30 11:06 | 2026-05-01 10:01 | Resolved | 1 - Information C A | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Resolved-AVM and appraisal provided within range - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. Please re-review! xxxxxx UW used the xxxxxx AVM with Value of xxxxxx as the primary valuation source. When they received the AVM from xxxxxx, they rejected this due to the confidence being out of range. They then received the Exterior Only/2055 valuation to support which satisfied all the requirements. xxxxxx! - Due Diligence Vendor-04/30/2026 <br> Open-AVM dated xxxxxx has a Confidence Score of 85%. - Due Diligence Vendor-04/30/2026 |  | Resolved-AVM and appraisal provided within range - Due Diligence Vendor-05/01/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.89% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.17 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | 860525_xxxxxx_7OZF0UQXJ9R82V8Y7IU0MODK-form_1_AVM_Automated_Valuation-2_(1).pdf<br> 860525_xxxxxx_7OZF0UQXJ9R82V8Y7IU0MODK-form_1_Appraisal_Final_-1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860527 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-21 17:14 | 2026-05-21 16:38 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-\*\*Received cure package - Due Diligence Vendor-05/21/2026 <br> Resolved-\*\*Received cure package - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. Please see copy of refund check, shipping label, PCCDD, and loe - Due Diligence Vendor-05/20/2026 <br> Counter-\*\*Explanation provided does not resolve the finding. Although the COC states the recording fee was increased due to the recording of a POA, the loan documents in the file do not indicate a POA was used. Lender to provide additional clarification and provide documentation in support of the same. - Due Diligence Vendor-05/15/2026 <br> Counter-\*\*\* title services excluded from 10% baseline per SPL provided. COC event detail for increased recording charge for Power of Attorney is not supported, as a POA was not used in this transaction or recorded as a part of the transaction. 10% tolerance violation is $28.30<br> - Due Diligence Vendor-05/07/2026 <br> Ready for Review-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% ($179.00) exceed the comparable charges ($137.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-05/07/2026 <br> Open- - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. Please see COC & Please see SPL - Due Diligence Vendor-05/06/2026 <br> Open-\*\*\*\*The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total $2459.00, establishing a 10% baseline of $2704.90. Final charges to borrower $3247.36 . 10% tolerance cure in the amount of $542.46 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/22/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,247.36) exceed the comparable charges ($2,459.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/22/2026 <br> Open- - Due Diligence Vendor-04/22/2026 <br> Open- - Due Diligence Vendor-04/22/2026 <br> Open-\*\*\*\*\*The following charges have been either added or increased: Abstract Title Search Fee, Courier, Lender's Title Insurance Policy, Title Insurance Binder Fee and Warehousing Fee resulting in a 10% tolerance cure in the amount of $637.06. Please provide COC event details dated within 3 days of additional/increased charges. Or 10% tolerance cure in the amount of $637.06 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/21/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,247.36) exceed the comparable charges ($2,373.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/21/2026 |  | Cured-\*\*Received cure package - Due Diligence Vendor-05/21/2026 <br> Resolved-\*\*Received cure package - Due Diligence Vendor-05/21/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.30 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.38% 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 - 11.29 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | Full Review860527_xxxxxx_xxxxxx_5_6_2026_83817_AM.zip<br> 860527_xxxxxx_SPL.pdf<br> Full Review860527_xxxxxx_xxxxxx_5_20_2026_125740_PM.zip<br> 860527_xxxxxx_letter_to_brw.pdf<br> 860527_xxxxxx_label.pdf<br> 860527_xxxxxx_refund_check.pdf<br> 860527_xxxxxx_pccd.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860527 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-21 17:14 | 2026-05-21 16:38 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-\*\*Received cure package - Due Diligence Vendor-05/21/2026 <br> Resolved-\*\*Received cure package - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. - Seller-05/21/2026 <br> Counter-\*\*Explanation provided does not resolve the finding. Although the COC states the recording fee was increased due to the recording of a POA, the loan documents in the file do not indicate a POA was used. Lender to provide additional clarification and provide documentation in support of the same. - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. Seller rebuttal: Our Director of Postclosing and Closing reviewed - please see response and attached COC-It looks like the investor is holding the recording as to what it was on the initial LE. There was a COC done on xxxxxx increasing the recording because of a POA being added. This rest the tolerance so a cure is not needed - Due Diligence Vendor-05/14/2026 <br> Counter-\*\*\* title services excluded from 10% baseline per SPL provided. COC event detail for increased recording charge for Power of Attorney is not supported, as a POA was not used in this transaction or recorded as a part of the transaction. 10% tolerance violation is $28.30<br> - Due Diligence Vendor-05/07/2026 <br> Open- - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/06/2026 <br> Open-\*\*\*\*The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total $2459.00, establishing a 10% baseline of $2704.90. Final charges to borrower $3247.36 . 10% tolerance cure in the amount of $542.46 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/22/2026 <br> Open- - Due Diligence Vendor-04/22/2026 <br> Open- - Due Diligence Vendor-04/22/2026 <br> Open- - Due Diligence Vendor-04/22/2026 <br> Open-\*\*\*\*\*The following charges have been either added or increased: Abstract Title Search Fee, Courier, Lender's Title Insurance Policy, Title Insurance Binder Fee and Warehousing Fee resulting in a 10% tolerance cure in the amount of $637.06. Please provide COC event details dated within 3 days of additional/increased charges. Or 10% tolerance cure in the amount of $637.06 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/21/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. - Seller-05/21/2026<br>| Cured-\*\*Received cure package - Due Diligence Vendor-05/21/2026 <br> Resolved-\*\*Received cure package - Due Diligence Vendor-05/21/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.30 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.38% 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 - 11.29 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | Full Review860527_xxxxxx_5_6_2026_84033_AM.zip<br> Full Review860527_xxxxxx_5_14_2026_21443_PM.zip<br> 860527_xxxxxx_POA.pdf<br> 860527_xxxxxx_coc2.pdf<br> 860527_xxxxxx_SPL.pdf<br> 860527_xxxxxx_coc_1.pdf<br> 860527_xxxxxx_(1).pdf<br> xxxxxx tracking label (2).pdf<br> xxxxxx letter to brw (1).pdf<br> xxxxxx refund check (2).pdf<br> pccd (7).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860527 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-21 17:14 | 2026-05-21 16:37 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received cure package - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. - Buyer-05/21/2026 <br> Counter-\*\*Explanation provided does not resolve the finding. Although the COC states the recording fee was increased due to the recording of a POA, the loan documents in the file do not indicate a POA was used. Lender to provide additional clarification and provide documentation in support of the same. - Due Diligence Vendor-05/15/2026 <br> Counter-\*\*\* title services excluded from 10% baseline per SPL provided. COC event detail for increased recording charge for Power of Attorney is not supported, as a POA was not used in this transaction or recorded as a part of the transaction. 10% tolerance violation is $28.30<br> - Due Diligence Vendor-05/07/2026 <br> Open- - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/06/2026 <br> Open-\*\*\*\*The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate total $2459.00, establishing a 10% baseline of $2704.90. Final charges to borrower $3247.36 . 10% tolerance cure in the amount of $542.46 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/22/2026 <br> Open- - Due Diligence Vendor-04/22/2026 <br> Open- - Due Diligence Vendor-04/22/2026 <br> Open- - Due Diligence Vendor-04/22/2026 <br> Open-\*\*\*\*\*The following charges have been either added or increased: Abstract Title Search Fee, Courier, Lender's Title Insurance Policy, Title Insurance Binder Fee and Warehousing Fee resulting in a 10% tolerance cure in the amount of $637.06. Please provide COC event details dated within 3 days of additional/increased charges. Or 10% tolerance cure in the amount of $637.06 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/21/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/21/2026 <br> Open- - Due Diligence Vendor-04/21/2026 |  | Resolved-\*\*Received cure package - Due Diligence Vendor-05/21/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.30 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.38% 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 - 11.29 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | Full Review860527_xxxxxx_5_6_2026_84033_AM.zip<br> xxxxxx tracking label (2).pdf<br> pccd (7).pdf<br> xxxxxx letter to brw (1).pdf<br> xxxxxx refund check (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860560 | xxxxxx | D A | Closed | xxxxxx | 2026-04-15 01:25 | 2026-04-21 07:31 | 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-04/21/2026 <br> Ready for Review-Document Uploaded. 4/20/26 - please see xxxxxx. - Due Diligence Vendor-04/20/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/15/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/21/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.74 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 860560_xxxxxx_FG.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860567 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860615 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860620 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860638 | xxxxxx | D A | Closed | xxxxxx | 2026-03-18 16:48 | 2026-03-19 14:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity documents provided - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. LLC docs - Due Diligence Vendor-03/19/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN - Certificate of good standing - Due Diligence Vendor-03/18/2026 |  | Resolved-Entity documents provided - Due Diligence Vendor-03/19/2026 | Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 24.08 Years |  | 860638_xxxxxx_Letter_of_Good_Standing_(56)_(1).pdf<br> 860638_xxxxxx_Articles_of_organization_(59)_(1).pdf<br> 860638_xxxxxx_Operating_Agreement_(78).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860650 | xxxxxx | B A | Closed | xxxxxx | 2026-04-01 06:13 | 2026-04-03 07:53 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. Please find the UW Approval uploaded. xxxxxx! - Due Diligence Vendor-04/02/2026 <br> Open-1008/Underwriting Summary Not Provided - Missing - Due Diligence Vendor-04/01/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/03/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40.62% Is Below The Guideline Maximum Of 75% 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 - 20.92 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.23 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 860650_xxxxxx_#860650_LDL-Report_3-26-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860654 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860730 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860732 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860737 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860768 | xxxxxx | D A | Closed | xxxxxx | 2026-03-27 05:22 | 2026-03-30 13:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-03/30/2026 <br> Open-Title Document is missing - Due Diligence Vendor-03/27/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-03/30/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.62% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Title Document is missing | 860768_xxxxxx_title.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860771 | xxxxxx | D A | Closed | xxxxxx | 2026-04-20 13:08 | 2026-04-22 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-See title report - Due Diligence Vendor-04/22/2026 <br> Open-Title Document is missing . Provide title, with complete chain, for the subject property transaction located at xxxxxx. Subject to review and possible additional conditions. - Due Diligence Vendor-04/20/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-04/22/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.53 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.30 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 860771_xxxxxx_Title_Commitment-Preliminary_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860771 | xxxxxx | D A | Closed | xxxxxx | 2026-04-20 14:06 | 2026-04-22 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. See Gap - Due Diligence Vendor-04/22/2026 <br> Open-Borrower 1 Gap Credit Report is Missing . Provide a gap credit report or Undisclosed Debt Monitoring (UDM) report as it is required no more than 30- days prior to loan closing or any time after closing. Subject credit report is 36 from the Note. - Due Diligence Vendor-04/20/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.53 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.30 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 727 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | validated | 860771_xxxxxx_UDM_Gap_Credit_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860783 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860817 | xxxxxx | D A | Closed | xxxxxx | 2026-03-06 10:10 | 2026-03-14 06:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-LOE received - Due Diligence Vendor-03/14/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/13/2026 <br> Open-Missing letter of explanation for inquiries, the credit explanation in loan file is not completed or executed. - Due Diligence Vendor-03/06/2026 |  | Resolved-LOE received - Due Diligence Vendor-03/14/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.58 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.33% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx Credit LOX.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860820 | xxxxxx | B A | Closed | xxxxxx | 2026-03-17 07:32 | 2026-03-19 11:14 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-03/18/2026 <br> Open-1008/Underwriting Summary Not Provided Missing 1008 or xxxxxx eligibility review - Due Diligence Vendor-03/17/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/19/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | 860820_xxxxxx_860820_xxxxxx_Final_LDL_3-3-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860838 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860854 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860867 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860875 | xxxxxx | D A | Closed | xxxxxx | 2026-03-02 04:31 | 2026-03-05 08:47 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/04/2026 <br> Open-The Final 1003 is Incomplete Final 1003 Both Borrower Signature Missing. - Due Diligence Vendor-03/02/2026 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years |  | xxxxxx - 1003 Final Signed.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860894 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860918 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860954 | xxxxxx | D A | Closed | xxxxxx | 2026-03-20 14:01 | 2026-03-24 10:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity docs provided - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. LLC documents - Due Diligence Vendor-03/23/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN . Provide the Articles of Organization, or equivalent, for xxxxxx as it was not provided at the time of review. - Due Diligence Vendor-03/20/2026 |  | Resolved-Entity docs provided - Due Diligence Vendor-03/24/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.18 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.08 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 860954_xxxxxx_GOOD_STANDING.pdf<br> 860954_xxxxxx_EIN.pdf<br> Full Review860954_xxxxxx_xxxxxx_3_23_2026_90520_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860972 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860978 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860982 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-23 23:45 | 2026-03-31 09:04 | Waived | 2 - Non-Material C B | Credit | Income | DSCR is less than the guideline minimum | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Calculated DSCR of 0.813 is less than guideline DSCR of 1 - Due Diligence Vendor-03/31/2026 <br> Ready for Review-xxxxxx granting an exception to Lender's eligibility criteria. Compensating Factor 1 - Current primary home ownership > 5 years / Compensating Factor 2 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 3 - Experienced investor owns and manages 10 or more properties for 12 months - Buyer-03/30/2026 <br> Open-Calculated DSCR of 0.813 is less than guideline DSCR of 1. Loan is a cashout transaction and minimum DSCR is 1.0 for cashout. - Due Diligence Vendor-03/24/2026 |  | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Calculated DSCR of 0.813 is less than guideline DSCR of 1 - Due Diligence Vendor-03/31/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Compensating Factor 1 - Current primary home ownership > 5 years <br> Compensating Factor 2 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 3 - Experienced investor owns and manages 10 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 860982 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-21 18:45 | 2026-03-27 08:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-lender updated - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. 3/25/26 - LLC docs attached. - Due Diligence Vendor-03/26/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide evidence of EIN for LLC name xxxxxx. - Due Diligence Vendor-03/21/2026 |  | Resolved-lender updated - Due Diligence Vendor-03/27/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 860982_xxxxxx_LLC.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860985 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860988 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860989 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860992 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 860994 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861082 | xxxxxx | D A | Closed | xxxxxx | 2026-04-10 14:23 | 2026-04-27 11:10 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Loan Level LOE Documentation, provided in curative, shields the take-out lender from claims associated with finance charge violation due to borrower-selected attorney fees, even in cases of disclosure omissions. Resolved - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. Please see attached correspondence verifying borrower chose their own attorney prior to loan application. - Due Diligence Vendor-04/23/2026 <br> Counter-\*xxxxxx requires that lenders provide a "Notice of Right to Select Attorney" disclosure to the borrower advising of their right to select their own attorney. Lender to provide evidence that borrower selected the attorney as disclosed in Section H in order to exclude from Total of Payment and Finance Charge calculations. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. Right To Select Attorney Service is not applicable to the loan. The rest are attached/ should have been delivered with the file - Due Diligence Vendor-04/13/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Right To Select Attorney, Service Provider List and Homeownership Counseling Disclosure. \*\*\*\*\*\*Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/10/2026 <br> Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-04/10/2026 |  | Resolved-Loan Level LOE Documentation, provided in curative, shields the take-out lender from claims associated with finance charge violation due to borrower-selected attorney fees, even in cases of disclosure omissions. Resolved - Due Diligence Vendor-04/27/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.28 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.27 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review861082_xxxxxx_4_13_2026_10530_PM.zip<br> Full Review861082_xxxxxx_4_23_2026_120810_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861082 | xxxxxx | D A | Closed | xxxxxx | 2026-04-14 17:16 | 2026-04-27 11:10 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Loan Level LOE Documentation, provided in curative, shields the take-out lender from claims associated with finance charge violation due to borrower-selected attorney fees, even in cases of disclosure omissions. Resolved - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached correspondence verifying borrower chose their own attorney prior to loan application. - Due Diligence Vendor-04/23/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $1,067,276.14. The disclosed finance charge of $1,066,183.97 is not considered accurate because it is understated by more than $100. \*\*\*\*\*\*\*\*\*\*\*Lender comment provided in "Attorney Preference Letter missing or unexecuted" indicates the Lender excluded the attorney fee from the disclosed Finance Charge calculations in violation of xxxxxx disclosure rules. - Due Diligence Vendor-04/14/2026 <br> Open- - Due Diligence Vendor-04/14/2026 |  | Resolved-Loan Level LOE Documentation, provided in curative, shields the take-out lender from claims associated with finance charge violation due to borrower-selected attorney fees, even in cases of disclosure omissions. Resolved - Due Diligence Vendor-04/27/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.28 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.27 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review861082_xxxxxx_4_23_2026_120924_PM.zip<br> 861082_xxxxxx_861082_Attorney_Preference_response.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861082 | xxxxxx | D A | Closed | xxxxxx | 2026-04-10 08:53 | 2026-04-22 12:53 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-\*\*\*Received SSPL - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. See SSPL - Due Diligence Vendor-04/21/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Right To Select Attorney, Service Provider List and Homeownership Counseling Disclosure. \*\*\*\*\*\*Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/10/2026 <br> Open-Application Date is xxxxxx, Service Provider List is not provided within 3 business days of application.<br> - Due Diligence Vendor-04/10/2026 |  | Resolved-\*\*\*Received SSPL - Due Diligence Vendor-04/22/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.28 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.27 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review861082_xxxxxx_4_21_2026_81906_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861082 | xxxxxx | D A | Closed | xxxxxx | 2026-04-10 08:43 | 2026-04-14 09:49 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-\*\*Received disclosure - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. Right To Select Attorney Service is not applicable to the loan. The rest are attached/ should have been delivered with the file - Due Diligence Vendor-04/13/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Right To Select Attorney, Service Provider List and Homeownership Counseling Disclosure. \*\*\*\*\*\*Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/10/2026 <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-04/10/2026 |  | Resolved-\*\*Received disclosure - Due Diligence Vendor-04/14/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.28 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.27 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review861082_xxxxxx_4_13_2026_10530_PM.zip<br> 861082_xxxxxx_le1.pdf<br> 861082_xxxxxx_ICD.pdf<br> 861082_xxxxxx_coc_LE2.pdf<br> 861082_xxxxxx_HOCA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861090 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-03 12:51 | 2026-04-13 11:44 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-\*\*\*Received Cure package - Due Diligence Vendor-04/13/2026 <br> Resolved-\*\*\*Received Cure package - Due Diligence Vendor-04/13/2026 <br> Resolved- - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Please see other condition for documents - Seller-04/10/2026 <br> Open-The following charges have increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of $1. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/07/2026 <br> Open- - Due Diligence Vendor-04/07/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/03/2026 | Ready for Review-Please see other condition for documents - Seller-04/10/2026<br>| Cured-\*\*\*Received Cure package - Due Diligence Vendor-04/13/2026 <br>Resolved-\*\*\*Received Cure package - Due Diligence Vendor-04/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861090 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-03 12:51 | 2026-04-13 11:44 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-\*\*\*Received Cure package - Due Diligence Vendor-04/13/2026 <br> Resolved-\*\*\*Received Cure package - Due Diligence Vendor-04/13/2026 <br> Resolved- - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. - Seller-04/10/2026 <br> Open-The following charges have increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of $1. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/07/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/07/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open- - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. - Seller-04/10/2026<br>| Cured-\*\*\*Received Cure package - Due Diligence Vendor-04/13/2026 <br>Resolved-\*\*\*Received Cure package - Due Diligence Vendor-04/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxxxx label xxxxxx.pdf<br> PCCD xxxxxx.pdf<br> LOE TC - xxxxxx.pdf<br> Check xxxxxx Voucher pymt xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861090 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-03 12:51 | 2026-04-13 11:43 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received Cure package - Due Diligence Vendor-04/13/2026 <br> Resolved- - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Please see other condition for documents - Seller-04/10/2026 <br> Open-The following charges have increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of $1. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/07/2026 <br> Open- - Due Diligence Vendor-04/07/2026 <br> Open- - Due Diligence Vendor-04/06/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/03/2026 | Ready for Review-Please see other condition for documents - Seller-04/10/2026<br>| Resolved-\*\*\*Received Cure package - Due Diligence Vendor-04/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861098 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861141 | xxxxxx | D A | Closed | xxxxxx | 2026-04-07 02:02 | 2026-04-10 07:17 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Condo Rider is Missing | Resolved- - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see mortgage with riders. - Due Diligence Vendor-04/08/2026 <br> Open-Condo Rider is Missing - Due Diligence Vendor-04/07/2026 |  | <br> Resolved- - Due Diligence Vendor-04/10/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 62.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 154.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review861141_xxxxxx_4_7_2026_35519_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861141 | xxxxxx | D A | Closed | xxxxxx | 2026-04-07 02:02 | 2026-04-10 07:17 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved- - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see mortgage with riders. - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/07/2026 <br> Rescinded- - Due Diligence Vendor-04/07/2026 <br> Open-1-4 Family Rider is Missing - Due Diligence Vendor-04/07/2026 |  | <br> Resolved- - Due Diligence Vendor-04/10/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 62.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 154.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review861141_xxxxxx_4_7_2026_35519_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861141 | xxxxxx | D A | Closed | xxxxxx | 2026-04-07 01:30 | 2026-04-10 07:16 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please see mortgage with riders. - Due Diligence Vendor-04/08/2026 <br> Open-The Deed of Trust is Missing The Deed of Trust is not included in the loan file. - Due Diligence Vendor-04/07/2026 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-04/10/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 62.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 154.28 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review861141_xxxxxx_4_7_2026_35519_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861156 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861163 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-30 10:15 | 2026-04-08 15:20 | Waived | 2 - Non-Material C B | Property | Property Issue | Property Condition Rating Does Not Meet Program Requirements | Waived-Exception granted with compensating factorsException to allow C4 property rating is accepted. C4 rating is due to no recent updates and appraiser confirms ther are no physical deficiencies or adverse conditions that affect the livability, structural integrity, or maketability of the property. - Due Diligence Vendor-04/08/2026 <br> Unable to Resolve-Unable to Resolve-Document Uploaded. - Seller-03/31/2026 <br> Open-SUBJECT PROPERTY HAS A C4 CONDITION RATING, WHICH DOES NOT MEET THE MINIMUM REQUIRED CONDITION RATING OF C3 PER PROGRAM GUIDLINES - Due Diligence Vendor-03/30/2026 | Unable to Resolve-Unable to Resolve-Document Uploaded. - Seller-03/31/2026<br>| Waived-Exception granted with compensating factorsException to allow C4 property rating is accepted. C4 rating is due to no recent updates and appraiser confirms ther are no physical deficiencies or adverse conditions that affect the livability, structural integrity, or maketability of the property. - Due Diligence Vendor-04/08/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.71 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.98% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | BORROWER'S FICO SCORE IS 165+ POINTS ABOVE THE MINIMUM REQUIRED BY THE PROGRAM; 0X30 MORTGAGE HISTORY REPORTED FOR 83 MONTHS IN CREDIT REPORT | EXCEPTION FORM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 861169 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861175 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-13 06:57 | 2026-04-20 14:35 | Resolved | 1 - Information C A | Credit | Eligibility | Builder is in control of HOA | Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Updated appraisal showing HOA is in control of the HOA - Due Diligence Vendor-04/20/2026 <br> Open-Provide corrected page 1 of the appraisal, the HOA is no longer in control of the Developer. - Due Diligence Vendor-04/13/2026 <br> Open-The Builder is in control of the HOA - Due Diligence Vendor-04/13/2026 |  | Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-04/20/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 861175_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861175 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-13 08:29 | 2026-04-17 14:18 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Resent 1008 hopefully not zipped - Buyer-04/17/2026 <br> Counter-Unable to open Zip file, Please reupload - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. See 1008 - Due Diligence Vendor-04/16/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/13/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/17/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review861175_xxxxxx_4_16_2026_115500_AM.zip<br> PC_xxxxxx_1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861175 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-13 17:49 | 2026-04-13 17:53 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsBorrower is refinancing an Investment property - the cash out is $1,320,000 and the max cash out per guidelines is $1,000,000.<br> - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 |  | Waived-Exception granted with compensating factorsBorrower is refinancing an Investment property - the cash out is $1,320,000 and the max cash out per guidelines is $1,000,000.<br> - Due Diligence Vendor-04/13/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.01 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Credit Score 10 points > minimum required.<br> Reserves exceed requirement by 2 months or more.<br> Home Ownership Current primary home ownership > 2 years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 861179 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861194 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861201 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861210 | xxxxxx | B A | Closed | xxxxxx | 2026-03-31 16:40 | 2026-04-01 14:49 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. See attached approval - Due Diligence Vendor-04/01/2026 <br> Open-Provide the missing xxxxxx 1008 (Underwriting Summary) for the subject property located at xxxxxx.<br>The file does not include the required 1008 Underwriting Summary to support the lender's underwriting decision, including income, assets, liabilities, and qualifying ratios. This document is required to validate the loan approval terms and calculation of qualifying metrics. Additional review may be required upon receipt. - Due Diligence Vendor-04/01/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/31/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/01/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 110.02 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.08 Years |  | 861210_xxxxxx_Loan_#861210_LDL-Report_3-26-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861226 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861235 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861255 | xxxxxx | D A | Closed | xxxxxx | 2026-03-27 07:21 | 2026-04-01 11:31 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. A copy of the CPM approval was provided in the closed loan package. I've also uploaded an LOX from our Condo Approval dept. for your review. - Due Diligence Vendor-03/31/2026 <br> Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-03/27/2026 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/01/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.04% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 861255_xxxxxx_CPM.pdf<br> 861255_xxxxxx_LOX_from_xxxxxx_Approval.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861255 | xxxxxx | D A | Closed | xxxxxx | 2026-03-27 07:31 | 2026-04-01 11:30 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-HO-6 Insurance Policy Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. A copy of the attached CURRENT HOI policy was included in the closed-loan package. It did not expire until xxxxxx. Kindly waive this condition. - Due Diligence Vendor-03/31/2026 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-03/27/2026 |  | Resolved-HO-6 Insurance Policy Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-04/01/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.61 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.04% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | 861255_xxxxxx_CURRENT_HOI_policy_2025_-_2026.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861266 | xxxxxx | B A | Closed | xxxxxx | 2026-04-01 09:25 | 2026-04-07 08:30 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. - Seller-04/06/2026 <br> Open-1008/Underwriting Summary Partially Provided Please provide updated 1008 showing xxxxxx unit instead of xxxxxx. Appraisal and other documents show SFR with ADU (which is currently unrented) - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/06/2026<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.37 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx - revised 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861267 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861301 | xxxxxx | D A | Closed | xxxxxx | 2026-03-27 03:30 | 2026-04-28 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO docs provided - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. Please see attached, HOA, Tax, and HOI documents. - Due Diligence Vendor-04/28/2026 <br> Counter-No Attachment, Please reupload - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Please see attached Taxes, HOI & HOA premium confirm for xxxxxx. - Buyer-04/14/2026 <br> Open-Provide HOA document for the primary residency located at the xxxxxx. Tax and Insurance available but its matched the expenses payment with Final 1003 and 1008. - Due Diligence Vendor-03/27/2026 |  | Resolved-REO docs provided - Due Diligence Vendor-04/28/2026<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 0.13<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.67 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 861301_xxxxxx_Tax.pdf<br> 861301_xxxxxx_HOA.pdf<br> 861301_xxxxxx_HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861301 | xxxxxx | D A | Closed | xxxxxx | 2026-03-27 01:54 | 2026-04-28 14:23 | Resolved | 1 - Information C A | Credit | Eligibility | Builder is in control of HOA | Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. HOA docs - Due Diligence Vendor-04/28/2026 <br> Open-The Builder is in control of the HOA Currently the HOA is control under the Builder. - Due Diligence Vendor-03/27/2026 |  | Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-04/28/2026<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 0.13<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.67 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 861301_xxxxxx_COI_-_xxxxxx.pdf<br> 861301_xxxxxx_xxxxxx_docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861301 | xxxxxx | D A | Closed | xxxxxx | 2026-03-27 01:30 | 2026-04-09 12:00 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. Please see attached tax sheet for subject prop. - Due Diligence Vendor-04/09/2026 <br> Open-Missing Property Tax Cert Provide Property Tax Document for the Subject property located at the xxxxxx. - Due Diligence Vendor-03/27/2026 |  | Resolved-Property Tax Cert Provided - Due Diligence Vendor-04/09/2026<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 0.13<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.67 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 861301_xxxxxx_tax_sheet_subject.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861307 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861309 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861310 | xxxxxx | D A | Closed | xxxxxx | 2026-03-24 12:51 | 2026-04-02 13:58 | Resolved | 1 - Information D A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. 4/1/2026 - Please see attached Lender rebuttal to clarify and clear condition. - Buyer-04/01/2026 <br> Counter-The Statement of Good standings does not reflect the Bwr's Business listed on their Bank statement. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. 3/27/26 - Please see attached to clear - Due Diligence Vendor-03/27/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements The funds to close on subject property are coming from borrowers business account under name of xxxxxx yet the business is dissolved per entity search, further verification is needed to verify business is active since funds to close are coming from business and business being dissolved is a concern. The CPA letter on page 147 verified borrower self employed business for 15 yrs. However, the Business corporation search page 145 xxxxxx stated business status is Dissolved. The most recent business bank statement in loan file on page 131 reflects zero income deposits. Further, xxxxxx report under employer section indicated the business last reported was in xxxxxx. - Due Diligence Vendor-03/24/2026 |  | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-04/02/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 620 By Twenty (20) or More Points |  | 861310_xxxxxx_LOE_for_business_account_asset_condition.pdf<br> xxxxxx LOE for Statement of Good Standings.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861331 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-01 16:28 | 2026-04-06 09:27 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-04/03/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/01/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 686 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Experienced Real Estate Investor - Borrower has long term investor experience with multple additional investment properties |  | 861331_xxxxxx_861331_FINAL_ldl-report_3242026152918_152918.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861331 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-01 15:56 | 2026-04-06 09:26 | 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-04/06/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-04/03/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/01/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 686 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Experienced Real Estate Investor - Borrower has long term investor experience with multple additional investment properties |  | 861331_xxxxxx_TLOxp_Appraiser_xxxxxx-Comprehensive-Report-xxxxxx.pdf<br> 861331_xxxxxx_TLOxp-xxxxxx-Comprehensive-Report-xxxxxx.pdf<br> 861331_xxxxxx_TLOxp-xxxxxx_V-Comprehensive-Report-xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861331 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-02 14:58 | 2026-04-02 14:59 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Divorce Decree is missing | Waived-Exception granted with compensating factorsAllow without legal separation agreement/divorce decree. - Due Diligence Vendor-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 |  | Waived-Exception granted with compensating factorsAllow without legal separation agreement/divorce decree. - Due Diligence Vendor-04/02/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 686 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Experienced Real Estate Investor - Borrower has long term investor experience with multple additional investment properties | Experienced Investor - owns and manages 5 or more properties for 12 months.<br> Reserves exceed requirement by 8 months or more.<br> Housing (Mortgage) History 0x30 for 24 months on all mortgages. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 861348 | xxxxxx | D A | Closed | xxxxxx | 2026-03-19 02:55 | 2026-03-19 09:21 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-03/19/2026 <br>Open-1-4 Family Rider is Missing - Due Diligence Vendor-03/19/2026 |  | Resolved-The 1-4 Family Rider is Present - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 810 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861392 | xxxxxx | B A | Closed | xxxxxx | 2026-03-17 13:43 | 2026-03-19 11:19 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Final UW approval - Due Diligence Vendor-03/18/2026 <br> Open-1008/Underwriting Summary Not Provided Final 1008 not provided with the rest of the upload package. Please provide. - Due Diligence Vendor-03/17/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/19/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.11 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 861392_xxxxxx_861392_xxxxxx_FINAL_Notice_of_Loan_Approval_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861401 | xxxxxx | B A | Closed | xxxxxx | 2026-04-14 03:06 | 2026-04-15 07:27 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Please see the attached xxxxxx Loan Approval - Loan Terms. - Due Diligence Vendor-04/15/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/14/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/15/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.50 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.12 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 861401_xxxxxx_861401_Final_Notice_of_Loan_Approval_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861405 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861409 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861417 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861425 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861431 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861436 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861439 | xxxxxx | C A | Closed | xxxxxx | 2026-05-18 16:24 | 2026-05-21 16:51 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received missing disclosure - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. Initial CD - Due Diligence Vendor-05/20/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure ~~~Please provide complete TRID disclosure history and all TRID disclosures (Initial CD) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/18/2026 |  | Resolved-Received missing disclosure - Due Diligence Vendor-05/21/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review861439_xxxxxx_5_19_2026_23211_PM.zip<br> 861439_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_120759.pdf<br> 861439_xxxxxx_ClosingDisclosurePkg_xxxxxx__xxxxxx_165532.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861444 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861469 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861475 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 861479 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-31 13:44 | 2026-03-31 13:46 | Waived | 2 - Non-Material C B | Property | Appraisal | Appraiser's license is expired/deficient | Waived-Exception granted with compensating factorsException to allow the use of Appraisal completed by state Licensed Appraiser who is not certified, with the main difference between licensure and certification being a certified appraiser is allowed to appraiser more complex, larger commercial or high-value residential properties. Subject appraisal has a supporing CU with a score of 1. - Due Diligence Vendor-03/31/2026 <br> Open- - Due Diligence Vendor-03/31/2026 |  | Waived-Exception granted with compensating factorsException to allow the use of Appraisal completed by state Licensed Appraiser who is not certified, with the main difference between licensure and certification being a certified appraiser is allowed to appraiser more complex, larger commercial or high-value residential properties. Subject appraisal has a supporing CU with a score of 1. - Due Diligence Vendor-03/31/2026  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 61.6% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 20.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 102.91 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> Credit Score 10 points > minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 861486 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861494 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861495 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861499 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861569 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861576 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861580 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861585 | xxxxxx | D A | Closed | xxxxxx | 2026-04-08 18:26 | 2026-04-14 13:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. See worksheet and bank statements - Due Diligence Vendor-04/14/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/08/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/14/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.93 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>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 - 27 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.90 Years |  | 861585_xxxxxx_account_ending_6914_eStmt_2026-02-04_-_xxxxxx.pdf<br> 861585_xxxxxx_icw.pdf<br> 861585_xxxxxx_proof_of_rents.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861595 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861614 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861615 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-31 15:28 | 2026-03-31 15:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsDocument Uploaded. Client exception granted with compensating factors to allow LTV of 70% with a max of 65%. - Due Diligence Vendor-03/31/2026 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% - Due Diligence Vendor-03/31/2026 |  | Waived-Exception granted with compensating factorsDocument Uploaded. Client exception granted with compensating factors to allow LTV of 70% with a max of 65%. - Due Diligence Vendor-03/31/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | DSCR > 1.15; Credit score 10 points > minimum required; Reserves exceed requirement by 2+ months | 861615_xxxxxx_approved_conditions_xxxxxx_115122_AM.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 861631 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861660 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-27 02:28 | 2026-04-28 14:26 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Approval - Loan Terma. - Due Diligence Vendor-04/28/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/27/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/28/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.46% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 861660_xxxxxx_861660_Final_Notice_of_Loan_Approval_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861660 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-27 17:47 | 2026-04-27 17:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject Property Lot Size Exceeds Guideline Maximum | Waived-Client exception granted with compensating factors to allow subject property over 5 acres. - Due Diligence Vendor-04/27/2026 <br> Open-Subject property is over 5 acres. Appraisal Appraiser is a state licensed appraiser and not state certified.<br> - Due Diligence Vendor-04/27/2026 |  | Waived-Client exception granted with compensating factors to allow subject property over 5 acres. - Due Diligence Vendor-04/27/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.46% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 861660 | xxxxxx | C B A | Closed | xxxxxx | 2026-06-12 01:19 | 2026-06-12 01:19 | Waived | 2 - Non-Material B | Property | Appraisal | Appraiser's license is expired/deficient | Waived-Exception granted with compensating factorsException to allow the use of Appraisal completed by state Licensed Appraiser who is not certified, with the main difference between licensure and certification being a certified appraiser is allowed to appraiser more complex, larger commercial or high-value residential properties. Subject appraisal has a supporting CU with a score of 1. - Due Diligence Vendor-06/12/2026 |  | Waived-Exception granted with compensating factorsException to allow the use of Appraisal completed by state Licensed Appraiser who is not certified, with the main difference between licensure and certification being a certified appraiser is allowed to appraiser more complex, larger commercial or high-value residential properties. Subject appraisal has a supporting CU with a score of 1. - Due Diligence Vendor-06/12/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.69 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.46% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 861718 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861724 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861734 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-12 10:57 | 2026-03-13 03:05 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted with compensating factorsLender exception for loan amount below minimum - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-03/13/2026 <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 250000 Provide Lender exception for minimum Loan amount- Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $250,000. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-03/13/2026<br>| Waived-Exception granted with compensating factorsLender exception for loan amount below minimum - Due Diligence Vendor-03/13/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.97 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Experienced Real Estate Investor - Borrower has long term investor experience with multiple additional investment properties | Months of reserves greater than 6 months | xxxxxx_exception.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 861746 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861750 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861767 | xxxxxx | D A B | Closed | xxxxxx | 2026-04-13 11:58 | 2026-04-17 14:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved- - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. See attached settlement statement - Due Diligence Vendor-04/16/2026 <br> Open-Missing settlement statement or Final CD. - Due Diligence Vendor-04/13/2026 |  | <br> Resolved- - Due Diligence Vendor-04/17/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 35.92 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 861767_xxxxxx.pdf<br> 861767_xxxxxx_FINAL_SS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861767 | xxxxxx | D A B | Closed | xxxxxx | 2026-04-13 08:07 | 2026-04-14 14:00 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. See attached pre approval - Due Diligence Vendor-04/14/2026 <br> Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-04/13/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/14/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 35.92 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 861767_xxxxxx_Loan_#861767_LDL-Report_4-9-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861785 | xxxxxx | D A | Closed | xxxxxx | 2026-04-02 02:07 | 2026-04-06 16:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-Settlement statement in file. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. 4/3/26 - Lender Response: This is a refinance and does not have a seller CD. Please clarify your finding as to what is incomplete/missing. - Due Diligence Vendor-04/06/2026 <br> Open-Provided Settlement statement is incomplete, provide complete and final settlement statement. - Due Diligence Vendor-04/03/2026 |  | Resolved-Settlement statement in file. - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.86% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 205.83 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review861785_xxxxxx_4_3_2026_70608_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861787 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861788 | xxxxxx | B A | Closed | xxxxxx | 2026-04-17 12:24 | 2026-04-17 12:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. Lender exception for condo project exception of a single entity owning 53% (max is 20%) - Due Diligence Vendor-04/17/2026 |  | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. Lender exception for xxxxxx project exception of a single entity owning 53% (max is 20%) - Due Diligence Vendor-04/17/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.25 Years | 0 x30 x 48 months for all mortgages<br> credit score 30+ points over minimum<br> reserves exceed requirement by 6 months or more (including cash out from other condo refinance) |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 861790 | xxxxxx | B A | Closed | xxxxxx | 2026-04-17 11:27 | 2026-04-17 11:27 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. Lender exception for single entity ownership at 53% - Due Diligence Vendor-04/17/2026 |  | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. Lender exception for single entity ownership at 53% - Due Diligence Vendor-04/17/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Credit score 30+ points > minimum<br> 0x30x48 on all mortgages<br> Reserves > 6 months requirements. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 861793 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861795 | xxxxxx | C A | Closed | xxxxxx | 2026-03-23 17:19 | 2026-03-25 07:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 60.18% is less than or equal to Guideline CLTV of 65% - Due Diligence Vendor-03/23/2026 <br> Open-Audited CLTV of 60.18% exceeds Guideline CLTV of 60% The maximum ltv/cltv is 60% per the lender guideline for xxxxxx program guidelines on page 19. - Due Diligence Vendor-03/23/2026 |  | Resolved-Audited CLTV of 60.18% is less than or equal to Guideline CLTV of 65% - Due Diligence Vendor-03/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 148.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861795 | xxxxxx | C A | Closed | xxxxxx | 2026-03-23 17:19 | 2026-03-25 07:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 60.18% is less than or equal to Guideline LTV of 65% - Due Diligence Vendor-03/23/2026 <br> Open-Audited LTV of 60.18% exceeds Guideline LTV of 60% The maximum ltv/cltv is 60% per the lender guideline for xxxxxx program guidelines on page 19. - Due Diligence Vendor-03/23/2026 |  | Resolved-Audited LTV of 60.18% is less than or equal to Guideline LTV of 65% - Due Diligence Vendor-03/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 148.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861795 | xxxxxx | C A | Closed | xxxxxx | 2026-03-23 17:19 | 2026-03-25 07:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HCLTV of 60.18% is less than or equal to Guideline HCLTV of 65% - Due Diligence Vendor-03/23/2026 <br> Open-Audited HCLTV of 60.18% exceeds Guideline HCLTV of 60% The guideline maximum is 60% ltv/cltv per xxxxxx Product guideline dated per 19. - Due Diligence Vendor-03/23/2026 |  | Resolved-Audited HCLTV of 60.18% is less than or equal to Guideline HCLTV of 65% - Due Diligence Vendor-03/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 148.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861797 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-10 12:03 | 2026-04-17 07:51 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-AVM and PDI provided - Due Diligence Vendor-04/17/2026 <br>Ready for Review-Document Uploaded. - Buyer-04/16/2026 <br>Open- - Due Diligence Vendor-04/10/2026 |  | Resolved-AVM and PDI provided - Due Diligence Vendor-04/17/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.59 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.59 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.03% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 59.03% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | 2 AVMS, PCI Reports.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861797 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-08 13:25 | 2026-04-13 14:50 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received Initial CD - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. Please see initial CD - Due Diligence Vendor-04/10/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. <br> - Due Diligence Vendor-04/08/2026 |  | Resolved-\*\*\*Received Initial CD - Due Diligence Vendor-04/13/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.59 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.59 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.03% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 59.03% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | Full Review861797_xxxxxx_4_10_2026_83227_AM.zip<br> 861797_xxxxxx_Initial_CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861822 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861825 | xxxxxx | D A | Closed | xxxxxx | 2026-04-01 09:42 | 2026-04-06 09:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Overview Incomplete | Resolved-Entity doc provided - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Please see attached EIN. - Due Diligence Vendor-04/06/2026 <br> Open-Missing operating agreement and evidence of EIN. - Due Diligence Vendor-04/01/2026 |  | Resolved-Entity doc provided - Due Diligence Vendor-04/06/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | 861825_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861825 | xxxxxx | D A | Closed | xxxxxx | 2026-04-01 02:58 | 2026-04-06 09:43 | 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-04/06/2026 <br> Ready for Review-Document Uploaded. Please see attached Fraud Report. - Due Diligence Vendor-04/06/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/01/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/06/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | 861825_xxxxxx_DRIVE_Report_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861985 | xxxxxx | D B C A | Closed | xxxxxx | 2026-04-29 07:22 | 2026-05-04 08:10 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received ICD - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Please see attached ICD and proof of delivery to borrower. - Due Diligence Vendor-04/30/2026 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower.<br> - Due Diligence Vendor-04/29/2026 |  | Resolved-\*\*\*Received ICD - Due Diligence Vendor-05/04/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.82 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.82 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 32.18% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review861985_xxxxxx_4_30_2026_123026_PM.zip<br> 861985_xxxxxx_TridDisclosureSummary_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861985 | xxxxxx | D B C A | Closed | xxxxxx | 2026-04-29 01:59 | 2026-04-30 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. Please see Income Calculation Worksheet. - Due Diligence Vendor-04/30/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-04/29/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/30/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.82 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.82 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 32.18% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 861985_xxxxxx_861985_xxxxxx_ANALYSIS.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861985 | xxxxxx | D B C A | Closed | xxxxxx | 2026-04-29 06:01 | 2026-04-29 06:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsProceed the report without at least 1 comparable with a xxxxxx. - Due Diligence Vendor-04/29/2026 |  | Waived-Exception granted with compensating factorsProceed the report without at least 1 comparable with a xxxxxx. - Due Diligence Vendor-04/29/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.82 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.82 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 32.18% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 861996 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-08 10:16 | 2026-04-08 10:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property or house size is outside of guidelines | Waived-Exception granted with compensating factorsWe are requesting an exception on the minimum square footage on SFR. The subject property is xxxxxx SQ ft. - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 |  | Waived-Exception granted with compensating factorsWe are requesting an exception on the minimum square footage on SFR. The subject property is xxxxxx SQ ft. - Due Diligence Vendor-04/08/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.83 Years | Credit Score 30+ points > minimum required.<br> Transaction is a rate and term refinance. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 861999 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862012 | xxxxxx | D A | Closed | xxxxxx | 2026-04-22 07:02 | 2026-05-04 16:46 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-PCCD provided showing xxxxxx disbursement date - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. See LOX - Due Diligence Vendor-05/04/2026 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx. Provide HO-6 Insurance Policy for note date xxxxxx. - Due Diligence Vendor-04/22/2026 |  | Resolved-PCCD provided showing xxxxxx disbursement date - Due Diligence Vendor-05/04/2026 | 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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 466.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 862012_xxxxxx_LOX_FOR_HOI_EFFECTIVE_DATE_CONDITION.pdf<br> 862012_xxxxxx_PCCD_ITEMS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862012 | xxxxxx | D A | Closed | xxxxxx | 2026-04-22 10:08 | 2026-04-29 08:15 | Resolved | 1 - Information A | Credit | Data | Verify Borrower Income and Employment | Resolved-LOX provided - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. LOX IRA distributions - Due Diligence Vendor-04/28/2026 <br> Open-. - Due Diligence Vendor-04/22/2026 <br> Open-Provide proof of Defined Contribution Plan income document for Borrower - xxxxxx income. - Due Diligence Vendor-04/22/2026 |  | Resolved-LOX provided - Due Diligence Vendor-04/29/2026<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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 466.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 862012_xxxxxx_-_IRA_distribution_worksheet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862012 | xxxxxx | D A | Closed | xxxxxx | 2026-04-22 06:31 | 2026-04-24 07:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-04/23/2026 <br> Open-Title Document is missing. Provide Title Commitment or Title Final for the subject property. - Due Diligence Vendor-04/22/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-04/24/2026<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>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 466.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 862012_xxxxxx_POLICY.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862015 | xxxxxx | D A | Closed | xxxxxx | 2026-02-10 18:11 | 2026-03-04 09:40 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 <br> Open-1008/Underwriting Summary Not Provided Provide final 1008. The 1008 in file show final loan amount of $xxxxxx is xxxxxx which is giving a higher 36% ltv than 30% ltv stated on 1008 in file. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 36.62% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.42 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 1008 Transmittal Summary - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862071 | xxxxxx | D A | Closed | xxxxxx | 2026-04-17 11:01 | 2026-05-14 09:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. Purchase contract - Due Diligence Vendor-05/01/2026 <br> Open-Purchase Contract Is Missing Provide Purchase agreement for the subject Property Located at the xxxxxx. - Due Diligence Vendor-04/17/2026 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/01/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | 862071_xxxxxx_contract.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862071 | xxxxxx | D A | Closed | xxxxxx | 2026-04-17 13:29 | 2026-05-14 09:54 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-05/14/2026 <br> Ready for Review-Document Uploaded. See appraisal - Due Diligence Vendor-05/13/2026 <br> Counter-xxxxxx provided file will not open - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. See appraisal - Due Diligence Vendor-05/05/2026 <br> Open-CDA (secondary valuation found) the appraisal is not in the submitted loan file. Appraisal is Missing Provide Appraisal report for the subject Property located at the xxxxxx with Appraised value xxxxxx. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Emailed TPR, there is a CDA in file, what is needed is a secondary evaluation. - Due Diligence Vendor-04/29/2026 <br> Open-Appraisal is Missing Provide Appraisal report for the subject Property located at the xxxxxx with Appraised value xxxxxx. - Due Diligence Vendor-04/17/2026 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-05/14/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | 862071_xxxxxx_inspection.pdf<br> 862071_xxxxxx_Appraisal-.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862082 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-20 07:52 | 2026-04-30 13:33 | Cured | 2 - Non-Material D B | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Cured-Correct ROR form type, executed by borrower post consummation, has been provided xxxxxx - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. See attached LOE and NORTC - Due Diligence Vendor-04/29/2026 <br> Counter-Received NORTC in the H8 form model intended for new lender/creditor. However, the title document in the original file indicate that xxxxxx is the original lender of the loan being paid off and also lender for the subject loan. The correct NORTC should be in the H9 form model. - Due Diligence Vendor-03/28/2026 <br> Ready for Review-Document Uploaded. See attached RTC - Due Diligence Vendor-03/25/2026 <br> Open-Right of Rescission is Missing \*\*\*\* The Notice of Right to Cancel has not been provided. - Due Diligence Vendor-03/20/2026 |  | Cured-Correct ROR form type, executed by borrower post consummation, has been provided xxxxxx - Due Diligence Vendor-04/30/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 54.81% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.54% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More |  | 862082_xxxxxx_NRTC.pdf<br> Full Review862082_xxxxxx_4_28_2026_24233_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862098 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-07 22:17 | 2026-04-10 09:51 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Cost to Replace New from appraisal used for HOI coverage - see upload. - Due Diligence Vendor-04/09/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Missing evidence of sufficient insurance OR satisfactory RCE. - Due Diligence Vendor-04/08/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/10/2026<br>| Low qualifying LTV - Subject property has low qualifying LTV of 65%<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.50 Years |  | 862098_xxxxxx_using_cost_to_replace_new_on_appraisal.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862098 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-08 13:49 | 2026-04-08 13:49 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-Exception granted with compensating factorsCredit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Lender exception to allow loan modification(extension of maturity date) < 12 months - Due Diligence Vendor-04/08/2026 |  | Waived-Exception granted with compensating factorsCredit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Lender exception to allow loan modification(extension of maturity date) < 12 months - Due Diligence Vendor-04/08/2026 | Low qualifying LTV - Subject property has low qualifying LTV of 65%<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.50 Years | Reduction in housing payment by 10% or greater<br> 0x30x24 housing history<br> Low LTV 65% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 862116 | xxxxxx | D A | Closed | xxxxxx | 2026-04-08 13:24 | 2026-05-27 11:49 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Viable Full Appraisal provided to support origination valuation - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. 5/18/26 - rec'd full 2nd appraisal as secondary valuation. AV came in at xxxxxx. Please see attached. - Buyer-05/18/2026 <br> Counter-Please provide viable secondary valuation product per guideline requirement. PCI was provided but is not a valuation product. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. 4/16/26 - Please see attached PCI and secondary valuation. - Due Diligence Vendor-04/17/2026 <br> Open-Property Condition Inspection report in addition to an AVM. - Due Diligence Vendor-04/08/2026 |  | Resolved-Viable Full Appraisal provided to support origination valuation - Due Diligence Vendor-05/27/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.24 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.67 Years |  | 862116_xxxxxx_appraisal.pdf<br> appraisal (64).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862116 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 11:16 | 2026-05-27 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report received. - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. 4/8/26 - please see attached gap credit. - Due Diligence Vendor-04/08/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/06/2026 |  | Resolved-Gap credit report received. - Due Diligence Vendor-05/27/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.24 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.67 Years |  | 862116_xxxxxx_Gap_Credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862116 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 18:30 | 2026-05-27 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing attorney opinion letter/trust review documentation | Resolved-Full trust docs received. - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. 4/9/26 - Please see Trust docs attached. - Due Diligence Vendor-04/10/2026 <br> Open-The Certificate of Trust in loan file on page 678 needs signed/notarized. - Due Diligence Vendor-04/06/2026 |  | Resolved-Full trust docs received. - Due Diligence Vendor-05/27/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.24 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.67 Years |  | 862116_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862120 | xxxxxx | C A | Closed | xxxxxx | 2026-04-30 07:56 | 2026-05-12 13:13 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Lender rebuttal indicates Tax Transcript charge was disclosed pursuant to a valid COC event. xxxxxx - Due Diligence Vendor-05/12/2026 <br> Resolved- - Due Diligence Vendor-05/12/2026 <br> Open- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please see attached Seller / Investor rebuttal. - Buyer-05/11/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $16.00.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). \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* The following charges have been either added or increased: Tax Transcript added resulting in a 0% tolerance cure in the amount of $16.00. Please provide COC event details dated within 3 days of verifiable lender sufficient knowledge (or an LOE as to why this fee was not or could not have been known). Or 0% tolerance cure in the amount of $16.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 |  | Resolved-Lender rebuttal indicates Tax Transcript charge was disclosed pursuant to a valid COC event. xxxxxx - Due Diligence Vendor-05/12/2026<br>|  |  | xxxxxx rebuttal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862120 | xxxxxx | C A | Closed | xxxxxx | 2026-04-30 07:56 | 2026-05-12 13:13 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Lender rebuttal indicates Tax Transcript charge was disclosed pursuant to a valid COC event. xxxxxx - Due Diligence Vendor-05/12/2026 <br> Resolved- - Due Diligence Vendor-05/12/2026 <br> Open- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please see attached Seller / Investor rebuttal. - Buyer-05/11/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* The following charges have been either added or increased: Tax Transcript added resulting in a 0% tolerance cure in the amount of $16.00. Please provide COC event details dated within 3 days of verifiable lender sufficient knowledge (or an LOE as to why this fee was not or could not have been known). Or 0% tolerance cure in the amount of $16.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 |  | Resolved-Lender rebuttal indicates Tax Transcript charge was disclosed pursuant to a valid COC event. xxxxxx - Due Diligence Vendor-05/12/2026<br>|  |  | xxxxxx rebuttal (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862120 | xxxxxx | C A | Closed | xxxxxx | 2026-04-30 07:56 | 2026-05-12 13:13 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Lender rebuttal indicates Tax Transcript charge was disclosed pursuant to a valid COC event. xxxxxx - Due Diligence Vendor-05/12/2026 <br> Resolved- - Due Diligence Vendor-05/12/2026 <br> Open- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please see attached Seller / Investor rebuttal. - Buyer-05/11/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <br> Open-\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* The following charges have been either added or increased: Tax Transcript added resulting in a 0% tolerance cure in the amount of $16.00. Please provide COC event details dated within 3 days of verifiable lender sufficient knowledge (or an LOE as to why this fee was not or could not have been known). Or 0% tolerance cure in the amount of $16.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 |  | Resolved-Lender rebuttal indicates Tax Transcript charge was disclosed pursuant to a valid COC event. xxxxxx - Due Diligence Vendor-05/12/2026<br>|  |  | xxxxxx rebuttal (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862120 | xxxxxx | C A | Closed | xxxxxx | 2026-04-29 15:53 | 2026-05-12 13:04 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-Non-affiliate attestation for xxxxx has been provided and fees excluded. xxxxxx - Due Diligence Vendor-05/12/2026 <br> Resolved- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please see attached Seller / Lender rebuttal. - Seller-05/11/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <br> Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. \*\*\*\* \*\*\*\*High-Cost violation in the amount of $1066.56 has been verified. \*\*\* Lender and Lender affiliate Fees included in testing are: Lender's Title Insurance Policy paid by Borrower: $831.50<br> Points - Loan Discount Fee paid by Borrower: $6,246.63<br> Rate Lock Fee paid by Borrower: $500.00<br> Recording Service Fee paid by Borrower: $53.00<br> Settlement or Closing Fee paid by Borrower: $775.00<br> Title - Technology Fee paid by Borrower: $70.00<br> Title Courier Fee paid by Borrower: $75.00<br> Title Endorsement Fee paid by Borrower: $25.00<br> Title Endorsement Fee paid by Borrower: $83.15<br> Title Endorsement Fee paid by Borrower: $25.00<br> Underwriting Fee paid by Borrower: $995.00<br> Excluded Bona Fide Discount Points -$1,512.50<br> - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 | Ready for Review-Document Uploaded. Please see attached Seller / Lender rebuttal. - Seller-05/11/2026<br>| Resolved-Non-affiliate attestation for xxxxx has been provided and fees excluded. xxxxxx - Due Diligence Vendor-05/12/2026 |  |  | 20.20 Affiliate Status.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862120 | xxxxxx | C A | Closed | xxxxxx | 2026-04-29 15:53 | 2026-05-12 13:04 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Non-affiliate attestation for xxxxx has been provided and fees excluded. xxxxxx - Due Diligence Vendor-05/12/2026 <br> Resolved- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please see attached Seller / Investor rebuttal. - Buyer-05/11/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <br> Open-\*\*\*\* \*\*\*\*High-Cost violation in the amount of $1066.56 has been verified. \*\*\* Lender and Lender affiliate Fees included in testing are: Lender's Title Insurance Policy paid by Borrower: $831.50<br> Points - Loan Discount Fee paid by Borrower: $6,246.63<br> Rate Lock Fee paid by Borrower: $500.00<br> Recording Service Fee paid by Borrower: $53.00<br> Settlement or Closing Fee paid by Borrower: $775.00<br> Title - Technology Fee paid by Borrower: $70.00<br> Title Courier Fee paid by Borrower: $75.00<br> Title Endorsement Fee paid by Borrower: $25.00<br> Title Endorsement Fee paid by Borrower: $83.15<br> Title Endorsement Fee paid by Borrower: $25.00<br> Underwriting Fee paid by Borrower: $995.00<br> Excluded Bona Fide Discount Points -$1,512.50<br> - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the xxxxxx or, if permitted by the Secretary, by a xxxxxx.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 xxxxxx.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 |  | Resolved-Non-affiliate attestation for xxxxx has been provided and fees excluded. xxxxxx - Due Diligence Vendor-05/12/2026 |  |  | xxxxxx rebuttal (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862120 | xxxxxx | C A | Closed | xxxxxx | 2026-04-29 15:53 | 2026-05-12 13:04 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Non-affiliate attestation for xxxxx has been provided and fees excluded. xxxxxx - Due Diligence Vendor-05/12/2026 <br> Resolved- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Title fees are not paid to an affiliate of the lender and should not be included in the testing. LOE explaining non-affiliate status was previously provided. When fees are calculated correctly, loan passes Federal 5% threshold. Please see pg10-11 of compliance test showing passing result. - Seller-05/11/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <br> Open-\*\*\*\* \*\*\*\*High-Cost violation in the amount of $1066.56 has been verified. \*\*\* Lender and Lender affiliate Fees included in testing are: Lender's Title Insurance Policy paid by Borrower: $831.50<br> Points - Loan Discount Fee paid by Borrower: $6,246.63<br> Rate Lock Fee paid by Borrower: $500.00<br> Recording Service Fee paid by Borrower: $53.00<br> Settlement or Closing Fee paid by Borrower: $775.00<br> Title - Technology Fee paid by Borrower: $70.00<br> Title Courier Fee paid by Borrower: $75.00<br> Title Endorsement Fee paid by Borrower: $25.00<br> Title Endorsement Fee paid by Borrower: $83.15<br> Title Endorsement Fee paid by Borrower: $25.00<br> Underwriting Fee paid by Borrower: $995.00<br> Excluded Bona Fide Discount Points -$1,512.50<br> - Due Diligence Vendor-04/30/2026 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is $27,592.00 or more, and the transaction's total points and fees is $8,166.78, which exceeds 5 percent of the total loan amount of xxxxxx; orThe loan amount is less than $27,592.00 and the transaction's total points and fees is $8,166.78, which exceeds the lesser of 8 percent of the total loan amount of xxxxxx or $1,380.00. - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 | Ready for Review-Title fees are not paid to an affiliate of the lender and should not be included in the testing. LOE explaining non-affiliate status was previously provided. When fees are calculated correctly, loan passes Federal 5% threshold. Please see pg10-11 of compliance test showing passing result. - Seller-05/11/2026<br>| Resolved-Non-affiliate attestation for xxxxx has been provided and fees excluded. xxxxxx - Due Diligence Vendor-05/12/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862120 | xxxxxx | C A | Closed | xxxxxx | 2026-04-29 15:53 | 2026-05-12 13:04 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-Non-affiliate attestation for xxxxx has been provided and fees excluded. xxxxxx - Due Diligence Vendor-05/12/2026 <br> Resolved- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. See attached Seller / Lender rebuttal. - Buyer-05/11/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <br> Open-\*\*\*\* \*\*\*\*High-Cost violation in the amount of $1066.56 has been verified. \*\*\* Lender and Lender affiliate Fees included in testing are: Lender's Title Insurance Policy paid by Borrower: $831.50<br> Points - Loan Discount Fee paid by Borrower: $6,246.63<br> Rate Lock Fee paid by Borrower: $500.00<br> Recording Service Fee paid by Borrower: $53.00<br> Settlement or Closing Fee paid by Borrower: $775.00<br> Title - Technology Fee paid by Borrower: $70.00<br> Title Courier Fee paid by Borrower: $75.00<br> Title Endorsement Fee paid by Borrower: $25.00<br> Title Endorsement Fee paid by Borrower: $83.15<br> Title Endorsement Fee paid by Borrower: $25.00<br> Underwriting Fee paid by Borrower: $995.00<br> Excluded Bona Fide Discount Points -$1,512.50<br> - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 |  | Resolved-Non-affiliate attestation for xxxxx has been provided and fees excluded. xxxxxx - Due Diligence Vendor-05/12/2026 |  |  | 20.20 Affiliate Status.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862120 | xxxxxx | C A | Closed | xxxxxx | 2026-04-30 08:11 | 2026-05-04 19:39 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Resolved-ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Please see attached initial cd and interim cds and compliance log. - Due Diligence Vendor-05/01/2026 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. ~~ according to the disclosure tracking, this should be dated xxxxxx~~~ Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/30/2026 |  | Resolved-ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-05/04/2026<br>|  |  | Full Review862120_xxxxxx_4_30_2026_15610_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862190 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 862219 | xxxxxx | D A | Closed | xxxxxx | 2026-05-05 12:36 | 2026-05-12 08:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Final HUD-1 Document is Unexecuted | Resolved-signed HUD1 provided - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please find the executed Final SS. xxxxxx! - Due Diligence Vendor-05/12/2026 <br> Counter-But that isn't signed or initialed either, usually there are signed page addendums. If not something that shows the borrower confirmed or signed the closing HUD-1. xxxxxx - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. The copy provided is the Certified and True Settlement statement from xxxxxx. xxxxxx! - Due Diligence Vendor-05/08/2026 <br> Counter-Please provide a signed, executed copy of final HUD1 - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. Please find the Final Settlement Statement uploaded. xxxxxx! - Due Diligence Vendor-05/06/2026 <br> Open-Missing Final CD in file - Due Diligence Vendor-05/05/2026 |  | Resolved-signed HUD1 provided - Due Diligence Vendor-05/12/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 862219_xxxxxx_-_Settlement_Statement_FINAL_Buyer_Borrower.pdf<br> 862219_xxxxxx_Settlement_Statement_FINAL_Buyer_Borrower.pdf<br> 862219_xxxxxx_Signed_SS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862219 | xxxxxx | D A | Closed | xxxxxx | 2026-05-05 12:24 | 2026-05-06 16:11 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. Please find the UW approval uploaded. xxxxxx! - Due Diligence Vendor-05/06/2026 <br> Open-1008/Underwriting Summary Not Provided Require Final executed 1008. - Due Diligence Vendor-05/05/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/06/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 117.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 862219_xxxxxx_862219_ldl-report_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862233 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-27 02:01 | 2026-04-29 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. See CPM - Due Diligence Vendor-04/29/2026 <br> Open-HOA Questionnaire Document status is Missing. Provide HOA Questionnaire Document for Subject property Project xxxxxx - Due Diligence Vendor-04/28/2026 <br> Rescinded-. - Due Diligence Vendor-04/28/2026 <br> Open-HOA Questionnaire Document status is Missing. HOA Questionnaire Document status is Missing. Provide HOA Questionnaire Document for Subject property Project xxxxxx - Due Diligence Vendor-04/27/2026 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/29/2026 <br>Rescinded-. - Due Diligence Vendor-04/28/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.81 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% 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 - 6.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 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 0.2 |  | 862233_xxxxxx_REBUTTAL_FOR_HOA_QUESTIONNAIRE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862233 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-28 09:35 | 2026-04-28 09:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsDelinquent Credit History Does Not Meet Guideline Requirements Exception for a 1x30x12 - Due Diligence Vendor-04/28/2026 |  | Waived-Exception granted with compensating factorsDelinquent Credit History Does Not Meet Guideline Requirements Exception for a 1x30x12 - Due Diligence Vendor-04/28/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.81 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% 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 - 6.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 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 0.2 | Residual income more than 2.5x the amount required by guidelines.<br> DTI <= 36% which is below requirement in guidelines. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 862243 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862336 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862487 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862491 | xxxxxx | C A | Closed | xxxxxx | 2026-04-30 15:40 | 2026-05-21 11:20 | Resolved | 1 - Information C A | Credit | QM/ATR | ATR: All Liabilities, Including Alimony And/Or Child Support, Not Included in DTI | Resolved-ATR: All Liabilities, Including Alimony And/Or Child Support, Included in DTI - Due Diligence Vendor-05/21/2026 <br> Resolved-Child support order shows xxxxxx monthly. - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. Please see court child support docs - Due Diligence Vendor-05/20/2026 <br> Counter-Only updated 1008 received. Please resend the payment/obligation for alimony and/or child support not to exceed $800 per month. or higher since DTI now reflects a higher amount but within guidelines. - Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/08/2026 <br> Open-ATR: All Liabilities, Including Alimony And/Or Child Support, Not Included in DTI Missing evidence of payment/obligation for alimony and/or chid support not to exceed $800 per month. - Due Diligence Vendor-04/30/2026 |  | Resolved-ATR: All Liabilities, Including Alimony And/Or Child Support, Included in DTI - Due Diligence Vendor-05/21/2026 <br> Resolved-Child support order shows xxxxxx per week x xxxxxx monthly. - Due Diligence Vendor-05/21/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.65 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.66 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 862491_xxxxxx.pdf<br> 862491_xxxxxx_1008.pdf<br> 862491_xxxxxx_2.pdf<br> Full Review862491_xxxxxx_5_20_2026_125302_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862504 | xxxxxx | D A | Closed | xxxxxx | 2026-04-14 12:22 | 2026-04-20 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Borrower 2 Citizenship Documentation Provided or Not Required (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Present) - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. 4/17/26 - Please see attached 1003. - Due Diligence Vendor-04/20/2026 <br> Open-Missing updated 1003 showing citizenship status for B2 or co-guarantor. - Due Diligence Vendor-04/14/2026 |  | Resolved-Borrower 2 Citizenship Documentation Provided or Not Required (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Present) - Due Diligence Vendor-04/20/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.09 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 862504_xxxxxx_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862507 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 862513 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 862515 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862516 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862522 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 862523 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862524 | xxxxxx | D A | Closed | xxxxxx | 2026-04-21 16:45 | 2026-05-27 13:53 | Resolved | 1 - Information C A | Credit | Missing Doc | The Deed of Trust is Incomplete | Resolved-Rerecorded Mortgage removing PUD provided - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. - Seller-05/27/2026 <br> Counter-please provide copy of recorded mortgage (to verify PUD removed) - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. - Seller-05/15/2026 <br> Counter-Documentation required for resolution include Corrected Security Instrument, page 1 re-record declaration or cover sheet stating the reason for the re-record and Email or other documentation from title confirming they will re-execute/re-record. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-This is not supposed to be a PUD. <br>let me know if we need to record or just do a correction of the DOT to take off PUD <br> - Seller-04/23/2026 <br> Counter-Document Uploaded. The Signed DOT states Property is located in a PUD and a PUD rider was recorded with the DOT. Missing HOA statement to confirm monthly fee. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-PUD on tape was incorrect, per appraisal property type is xxxxxx unit xxxxxx - Seller-04/22/2026 <br> Open-Missing HOA statement for subject proeprty. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. - Seller-05/27/2026 <br> Ready for Review-Document Uploaded. - Seller-05/15/2026 <br> Ready for Review-This is not supposed to be a PUD. <br>let me know if we need to record or just do a correction of the DOT to take off PUD <br> - Seller-04/23/2026 <br> Ready for Review-PUD on tape was incorrect, per appraisal property type is xxxxxx unit xxxxxx - Seller-04/22/2026 | Resolved-Rerecorded Mortgage removing PUD provided - Due Diligence Vendor-05/27/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | Screenshot 2026-04-23 115200.jpg<br> Screenshot 2026-04-23 115253.jpg<br> rerecord.pdf<br> xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862524 | xxxxxx | D A | Closed | xxxxxx | 2026-04-22 10:54 | 2026-04-29 17:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. - Seller-04/29/2026 <br> Open-Personal Guaranty is Missing. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. - Seller-04/29/2026<br>| Resolved-Personal Guaranty is Present. - Due Diligence Vendor-04/29/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | copy-of-guaranty-xxxxxx-sign-this-one-merged (1) (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862524 | xxxxxx | D A | Closed | xxxxxx | 2026-04-21 16:44 | 2026-04-23 11:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI policy provided - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. - Seller-04/22/2026 <br> Open-Missing Insurance documentation for xxxxxx - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. - Seller-04/22/2026<br>| Resolved-HOI policy provided - Due Diligence Vendor-04/23/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 82.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxxxxx POI_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862535 | xxxxxx | D A | Closed | xxxxxx | 2026-04-13 09:39 | 2026-04-17 07:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Please see attached Guaranty Agreement, which was also in the closing package, starting on page 9. xxxxxx! - Due Diligence Vendor-04/16/2026 <br> Open-Personal Guaranty is Missing. - Due Diligence Vendor-04/13/2026 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-04/17/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 122.84 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862535 | xxxxxx | D A | Closed | xxxxxx | 2026-04-13 03:35 | 2026-04-14 08:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. Please see the attached used by our UW to satisfy this requirement. xxxxxx! - Due Diligence Vendor-04/13/2026 <br> Open-Missing Hazard Insurance Policy Hazard Insurance Policy Missing - Due Diligence Vendor-04/13/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 122.84 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 862535_xxxxxx_binder.pdf<br> 862535_xxxxxx_email_binders.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862536 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862546 | xxxxxx | D A | Closed | xxxxxx | 2026-04-20 07:13 | 2026-05-01 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Updated 1008, 1003 & Entity Documents provided - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. Please see the provided Entity documents for xxxxxx. xxxxxx! - Buyer-05/01/2026 <br> Counter-Provide missing business entity docs to support borrowers' ownership in xxxxxx asset provided ending in xxxxxx business name xxxxxx. - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. Please see attached. Includes a 3/31/2026 statement for xxxxxx.. xxxxxx! - Due Diligence Vendor-04/30/2026 <br> Counter-Document Uploaded. Updated 1003 provided however it reflects 2 xxxxxx Account being used for Assets however only the xxxxxx for $5044.91 was provided - Missing xxxxxx with available funds of $6583.89 - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. Please find the 1003 uploaded. xxxxxx! - Due Diligence Vendor-04/30/2026 <br> Counter-Document Uploaded. Per Final 1003 - xxxxxx iao $302,669.28 is listed as Assets, if no longer using these Assets and Updated 1003 & 1008 is needed. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please see the provided bank statement our UW had used to qualify the reserves requirement. - Due Diligence Vendor-04/20/2026 <br> Open-Asset 1 Missing . That is an incomplete system condition. The client has no idea what Asset 1 is in our system. Corrected to: Asset 1 Missing. Provide xxxxxx as disclosed on the final 1003 to cover required reserves for $3,380.96. No assets were provided at the time of review as required. - Due Diligence Vendor-04/20/2026 |  | Resolved-Updated 1008, 1003 & Entity Documents provided - Due Diligence Vendor-05/01/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.42% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 179.05 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 862546_xxxxxx checking xxxxxx.pdf<br> Screenshot 2026-04-21 075749.jpg<br> 862546_xxxxxx_1003.pdf<br> Screenshot 2026-04-30 102828.jpg<br> 862546_xxxxxx_Bank_statements_(1).pdf<br> xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862546 | xxxxxx | D A | Closed | xxxxxx | 2026-04-20 10:37 | 2026-05-01 11:18 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Articles of Origination provided - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. Please see the provided Entity documents for xxxxxx. xxxxxx! - Due Diligence Vendor-05/01/2026 <br> Counter-Missing Signed and recorded xxxxxx QUITCLAIM DEED - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please see the attached. xxxxxx! - Due Diligence Vendor-04/20/2026 <br> Open-Property Title Issue . Provide documentation to show the borrower's have ownership of xxxxxx as seen vested in prior to close. Subject was completed as a refinance however, no documentation of the LLC was provided to show the borrowers have the right to refi. - Due Diligence Vendor-04/20/2026 |  | Resolved-Articles of Origination provided - Due Diligence Vendor-05/01/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.42% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 179.05 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 862546_xxxxxx_deed_out_of_LLC_(1).pdf<br> 862546_xxxxxx.pdf<br> 862546_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862546 | xxxxxx | D A | Closed | xxxxxx | 2026-04-20 10:42 | 2026-04-21 07:50 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Field review provided - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Just obtained the CDA and then a field review uploaded to the file and see attached. The parcel xxxxxx from the appraisal matches with the Field review and CDA. - Due Diligence Vendor-04/21/2026 <br> Open-. Provide an appraisal review product as it is required on every loan file unless a second appraisal is obtained. The appraisal review product should provide an "as is" value for the subject property (the "Appraisal Review Value") as of the date of the subject loan transaction. Section 2.10.1.3.1. - Due Diligence Vendor-04/20/2026 |  | Resolved-Field review provided - Due Diligence Vendor-04/21/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 35.42% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 179.05 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 862546_xxxxxx_cda_xxxxxx.pdf<br> 862546_xxxxxx_field.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862549 | xxxxxx | B A | Closed | xxxxxx | 2026-04-27 09:37 | 2026-04-29 12:27 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-BPL cert provided - Due Diligence Vendor-04/29/2026 <br> Ready for Review- - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Please see business purpose disclosure - Due Diligence Vendor-04/28/2026 <br> Open-Required Business Pupose Disclosure Missing. Guideline Section 2.4.10 requires a Borrower Statement of Business Purpose. File does not contain said discloser. - Due Diligence Vendor-04/27/2026 |  | Resolved-BPL cert provided - Due Diligence Vendor-04/29/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.16% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | Full Review862549_xxxxxx_4_28_2026_100952_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862560 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 862569 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-16 17:07 | 2026-04-16 17:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Type does not meet eligibility requirement(s) | Waived-Exception granted with compensating factors to allow multi 4 unit property; comparables are < 4 units - Due Diligence Vendor-04/16/2026 <br> Open-Allow for multi 4 unit property - Due Diligence Vendor-04/16/2026 |  | Waived-Exception granted with compensating factors to allow multi 4 unit property; comparables are < 4 units - Due Diligence Vendor-04/16/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 119.79 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 46.32% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> Credit Score 30+ points > minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 862612 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-10 12:19 | 2026-04-20 14:46 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Expired | Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Corrected 1003 & 1008. xxxxxx! - Due Diligence Vendor-04/20/2026 <br> Counter-Document Uploaded. Provide updated 1003 reflecting the xxxxxx in the 2b section for EMD. Currently the Final 1003 reflects the funds are included in the total assets. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Please note that Asset 2 (xxxxxx) was provided to validate the EMD. - Due Diligence Vendor-04/13/2026 <br> Open-Asset 2 Expired xxxxxx is expired. Dated xxxxxx. Need updated statement as document date is > 120 days of note date of xxxxxx - Due Diligence Vendor-04/10/2026 <br> Open-Added verbiage in the correct field. - Due Diligence Vendor-04/10/2026 |  | Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-04/20/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.52% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Screenshot 2026-04-14 085741.jpg<br> 862612_xxxxxx_Corrected_1008.pdf<br> 862612_xxxxxx_Closing_1003_with_corrected_pg_3_(1).pdf<br> 862612_xxxxxx_Closing_1003_with_corrected_pg_3_2.pdf<br> 862612_xxxxxx_Closing_1003_with_corrected_pg_3.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862612 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-13 10:07 | 2026-04-13 10:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property or house size is outside of guidelines | Waived-Exception granted with compensating factorsAllow condotel with < 500 sq ft (xxxxxx).<br> Property is a xxxxxx and does have a fully functioning xxxxxx. xxxxxx. - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 |  | Waived-Exception granted with compensating factorsAllow condotel with < 500 sq ft (xxxxxx).<br> Property is a xxxxxx and does have a fully functioning xxxxxx. xxxxxx. - Due Diligence Vendor-04/13/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 85.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.52% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> Credit Score 30+ points > minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 862648 | xxxxxx | C A | Closed | xxxxxx | 2026-05-04 02:26 | 2026-05-11 10:27 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-\*\*\*\*HPML Compliant: File contains one or more appraisals; no conveyance deed within 90 days or a Second appraisal, as required; Proof appraisal(s) delivered ≥3 days before consummation. Escrow account for taxes/insurance established. - Due Diligence Vendor-05/11/2026 <br> Open- - Due Diligence Vendor-05/11/2026 <br> Open- - Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. Appraisal delivery - Due Diligence Vendor-05/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. \*\*\*\*\*\*\*\*\*\*\*\* xxxxxx, public profile shows business days Monday - Friday. Date of Appraisal Delivery: xxxxxx 04:53:43 PM, is less than 3 business days prior to consummation. This loan is HPML non-compliant. <br> - Due Diligence Vendor-05/05/2026 <br> Open- - Due Diligence Vendor-05/05/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <br> Open- - Due Diligence Vendor-05/04/2026 |  | Resolved-\*\*\*\*HPML Compliant: File contains one or more appraisals; no conveyance deed within 90 days or a Second appraisal, as required; Proof appraisal(s) delivered ≥3 days before consummation. Escrow account for taxes/insurance established. - Due Diligence Vendor-05/11/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.22 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.32 Years |  | Full Review862648_xxxxxx_5_8_2026_23235_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862648 | xxxxxx | C A | Closed | xxxxxx | 2026-05-04 02:26 | 2026-05-11 10:26 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx Rate Spread Home Loan Test | Resolved-lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. - Due Diligence Vendor-05/11/2026 <br> Open- - Due Diligence Vendor-05/11/2026 <br> Open- - Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. documentation on undiscounted rate - Due Diligence Vendor-05/08/2026 <br> Open-This loan failed the xxxxxx rate spread home loan test.<br> (xxxxxx GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the xxxxxx Rate Spread Home Loan Article section of the full xxxxxx report.While the xxxxxx Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. \*\*\*\*\*\*\*\*\* Documentation provided does not include the undiscounted / Par rate to determine if discounts points can be excluded. - Due Diligence Vendor-05/05/2026 <br> Open- - Due Diligence Vendor-05/05/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <br> Open- - Due Diligence Vendor-05/04/2026 |  | Resolved-lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. - Due Diligence Vendor-05/11/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.22 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.61 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.32 Years |  | Full Review862648_xxxxxx_5_8_2026_23451_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 862655 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862659 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 862678 | xxxxxx | C A | Closed | xxxxxx | 2026-05-06 09:50 | 2026-05-08 10:48 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. Please find the RCE uploaded. xxxxxx! - Due Diligence Vendor-05/08/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx - Due Diligence Vendor-05/06/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-05/08/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.39 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.33 Years |  | 862678_xxxxxx_rce.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862678 | xxxxxx | C A | Closed | xxxxxx | 2026-05-06 10:34 | 2026-05-08 10:47 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. Please find the UW Approval uploaded. xxxxxx! - Due Diligence Vendor-05/08/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-05/06/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/08/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.39 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.33 Years |  | 862678_xxxxxx_862678_ldl-report_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862678 | xxxxxx | C A | Closed | xxxxxx | 2026-05-06 11:24 | 2026-05-08 10:44 | Resolved | 1 - Information C A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Calculated DSCR of 0.953 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. Please re-review. DSCR Matrix allows for <1.0 with the subject Ln Amt, LTV, Fico, etc... xxxxxx! - Due Diligence Vendor-05/08/2026 <br> Open-Calculated DSCR of 0.953 is less than guideline DSCR of 1. - Due Diligence Vendor-05/06/2026 |  | Resolved-Calculated DSCR of 0.953 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-05/08/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 103.39 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.33 Years | Calculated DSCR of 0.953 is less than guideline DSCR of 1. | 862678_xxxxxx_DSCRMatrix.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862679 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-21 05:49 | 2026-04-23 07:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with compensating factorsException granted with supporting comp factors: An exception has been granted for the rural property with an area of xxxxxx acres, which exceeds the 20-acre limit. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-04/22/2026 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per guidelines, rural properties are allowed up to 20 acres. Per appraisal, the property is xxxxxx acres. Exception is missing - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-04/22/2026<br>| Waived-Exception granted with compensating factorsException granted with supporting comp factors: An exception has been granted for the rural property with an area of xxxxxx acres, which exceeds the 20-acre limit. - Due Diligence Vendor-04/23/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | QUALIFYING FICO IS GREATER THAN THE GUIDELINE MINIMUM BY TWENTY (20) OR MORE POINTS<br> CALCULATED DTI IS LESS THAN THE GUIDELINE MAXIMUM BY FIVE PERCENT (5%) OR MORE<br> BORROWER AT CURRENT RESIDENCE FOR FIVE (5) OR MORE YEARS | xxxxxx_exception (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 862681 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862686 | xxxxxx | B A | Closed | xxxxxx | 2026-04-22 05:15 | 2026-04-22 06:29 | Waived | 2 - Non-Material B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted with compensating factorsAllow VOR dated by lender 12/2/25, signed by landlord 2/5/26. - Due Diligence Vendor-04/22/2026 |  | Waived-Exception granted with compensating factorsAllow VOR dated by lender 12/2/25, signed by landlord 2/5/26. - Due Diligence Vendor-04/22/2026 | 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 731 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 54.27 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | HousiHisto xxxxxx LTV/CLTV Credit Score 30+ points > minimum required<br> HousiHisto xxxxxx Experienced Investor Experienced investor owns and manages 2 or more properties for 12 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 862692 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 862693 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-10 16:01 | 2026-04-10 16:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factors - Due Diligence Vendor-04/10/2026 <br> Open-Ineligible entity purpose. Exception for corp stated purpose without Real estate investment as stated in purpose. - Due Diligence Vendor-04/10/2026 |  | Waived-Exception granted with compensating factors - Due Diligence Vendor-04/10/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 733 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 67.21% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | 1 LTV/CLTV LTV/CLTV 5% or more below the maximum allowed under applicable guidelines.<br> DSCR > 1.15.<br> Credit Score 10 points > minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 862695 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 862724 | xxxxxx | C A | Closed | xxxxxx | 2026-04-23 13:42 | 2026-04-29 12:24 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-requirement for appraisal review documented via Review the Appraisal Report and Property Verify report to determine if the value estimate for the subject property is supported, it approval information dated xxxxxx, fee disclosed appears to be within timing of sufficient knowledge. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Please see COC - Due Diligence Vendor-04/28/2026 <br> Counter-\*\*\*Received missing disclosures and updated compliance test resulted in additional findings. The Appraisal Review Fee of $97 was first disclosed in the CD issued xxxxxx and remained through the final CD. The COC document provided only states the fee increase but does not provide a valid COC reason in relation to the fee. - Due Diligence Vendor-04/23/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $97.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/23/2026 |  | Resolved-requirement for appraisal review documented via Review the Appraisal Report and Property Verify report to determine if the value estimate for the subject property is supported, it approval information dated xxxxxx, fee disclosed appears to be within timing of sufficient knowledge. - Due Diligence Vendor-04/29/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Full Review862724_xxxxxx_4_28_2026_100829_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862724 | xxxxxx | C A | Closed | xxxxxx | 2026-04-23 13:42 | 2026-04-29 12:24 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-requirement for appraisal review documented via Review the Appraisal Report and Property Verify report to determine if the value estimate for the subject property is supported, it approval information dated xxxxxx, fee disclosed appears to be within timing of sufficient knowledge. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Please see COC - Due Diligence Vendor-04/28/2026 <br> Counter-\*\*\*Received missing disclosures and updated compliance test resulted in additional findings. The Appraisal Review Fee of $97 was first disclosed in the CD issued xxxxxx and remained through the final CD. The COC document provided only states the fee increase but does not provide a valid COC reason in relation to the fee. - Due Diligence Vendor-04/23/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/23/2026 |  | Resolved-requirement for appraisal review documented via Review the Appraisal Report and Property Verify report to determine if the value estimate for the subject property is supported, it approval information dated xxxxxx, fee disclosed appears to be within timing of sufficient knowledge. - Due Diligence Vendor-04/29/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Full Review862724_xxxxxx_4_28_2026_100622_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862724 | xxxxxx | C A | Closed | xxxxxx | 2026-04-23 13:42 | 2026-04-29 12:24 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-requirement for appraisal review documented via Review the Appraisal Report and Property Verify report to determine if the value estimate for the subject property is supported, it approval information dated xxxxxx, fee disclosed appears to be within timing of sufficient knowledge. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Please see COC - Due Diligence Vendor-04/28/2026 <br> Counter-\*\*\*Received missing disclosures and updated compliance test resulted in additional findings. The Appraisal Review Fee of $97 was first disclosed in the CD issued xxxxxx and remained through the final CD. The COC document provided only states the fee increase but does not provide a valid COC reason in relation to the fee. - Due Diligence Vendor-04/23/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/23/2026 |  | Resolved-requirement for appraisal review documented via Review the Appraisal Report and Property Verify report to determine if the value estimate for the subject property is supported, it approval information dated xxxxxx, fee disclosed appears to be within timing of sufficient knowledge. - Due Diligence Vendor-04/29/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Full Review862724_xxxxxx_4_28_2026_100719_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862724 | xxxxxx | C A | Closed | xxxxxx | 2026-04-17 06:15 | 2026-04-23 13:43 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Please re-review documentation provided, there CDs and LEs - Due Diligence Vendor-04/22/2026 <br> Counter-All issued LE's provided. Upload is missing Initial Closing Disclosure and Revised Closing Disclosures (if any). - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. please see cd - Due Diligence Vendor-04/21/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Homeownership Counseling Disclosure, Service Provider List and Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/17/2026 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower.<br> - Due Diligence Vendor-04/17/2026 |  | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-04/23/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Full Review862724_xxxxxx t_4_20_2026_54420_PM.zip<br> 862724_xxxxxx_LE's_&_CD's.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862724 | xxxxxx | C A | Closed | xxxxxx | 2026-04-17 06:14 | 2026-04-21 13:39 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Service provider list received - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please see service provider - Due Diligence Vendor-04/21/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Homeownership Counseling Disclosure, Service Provider List and Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/17/2026 <br> Open-Service Provider List document is Missing. - Due Diligence Vendor-04/17/2026 |  | Resolved-Service provider list received - Due Diligence Vendor-04/21/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Full Review862724_xxxxxx_4_20_2026_53743_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862724 | xxxxxx | C A | Closed | xxxxxx | 2026-04-17 06:12 | 2026-04-21 13:38 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please see disclosure - Due Diligence Vendor-04/21/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Homeownership Counseling Disclosure, Service Provider List and Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/17/2026 <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-04/17/2026 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/21/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | 862724_xxxxxx_counseling_disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862726 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862918 | xxxxxx | C A | Closed | xxxxxx | 2026-05-07 11:34 | 2026-05-08 16:52 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-BPO involves exterior inspection. - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Emailed the TPR: 2 new conditions just popped up on this one after the initial review was pushed over. One of the conditions was for the appraisal. I see there is a BPO and AVM in the file. This is a CES. - Due Diligence Vendor-05/08/2026 <br> Open-Missing Property Condition Inspection in addition to the AVM. - Due Diligence Vendor-05/07/2026 |  | Resolved-BPO involves exterior inspection. - Due Diligence Vendor-05/08/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.64 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.46% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 26.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862922 | xxxxxx | D A | Closed | xxxxxx | 2026-04-28 17:26 | 2026-04-30 10:19 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-PCI provided with images dated 3.17.2026 - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. Please see CDA - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/28/2026 |  | Resolved-PCI provided with images dated xxxxxx - Due Diligence Vendor-04/30/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.15 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | 862922_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862922 | xxxxxx | D A | Closed | xxxxxx | 2026-04-28 02:43 | 2026-04-30 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/30/2026 <br> Resolved-Title Search report provided - Title reflects 3 total Liens - in which the 2nd and 3rd Liens are being PIF with this Loan refinance. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. please see title - Due Diligence Vendor-04/30/2026 <br> Open-Title Document is missing - Due Diligence Vendor-04/28/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-04/30/2026 <br> Resolved-Title Search report provided - Title reflects 3 total Liens - in which the 2nd and 3rd Liens are being PIF with this Loan refinance. - Due Diligence Vendor-04/30/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.15 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | 862922_xxxxxx_Title_Commitment-Preliminary_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862980 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 18:37 | 2026-04-09 13:22 | Resolved | 1 - Information C A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Calculated DSCR of 1.000 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-04/09/2026 <br> Resolved-Calculated DSCR of 0.830 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Please see attached 1007. - Due Diligence Vendor-04/08/2026 <br> Open-Calculated DSCR of 0 is less than guideline DSCR of 0.75. Missing form 1007. - Due Diligence Vendor-04/06/2026 |  | Resolved-Calculated DSCR of 1.000 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-04/09/2026 <br>Resolved-Calculated DSCR of 0.830 meets guideline minimum DSCR of 0.75. - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 862980_xxxxxx_1007.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862980 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 18:41 | 2026-04-09 07:22 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Approval - Loan Terms. - Due Diligence Vendor-04/08/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/06/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 862980_xxxxxx_862980_FINAL_ldl-report_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862980 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 18:41 | 2026-04-09 07:22 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 15.77 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Please see attached. Only utilizing 401k funds to close transaction. - Due Diligence Vendor-04/08/2026 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 2 MIssing assets stated in final 1003.<br> - Due Diligence Vendor-04/06/2026 |  | Resolved-Audited Reserves of 15.77 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 862980_xxxxxx_Terms.pdf<br> 862980_xxxxxx_NQLU0N0XM1J3JDB2PGW1US5X-form_1_URLA__Borrower_Information_(Borr2)_Final-1_(1).pdf<br> 862980_xxxxxx_Asset_2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862980 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 17:52 | 2026-04-09 07:19 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. Please see attached reuploaded Appraisal. - Buyer-04/08/2026 <br> Counter-Unable to open Appraisal, Please reupload - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Please see attached Appraisal. - Due Diligence Vendor-04/08/2026 <br> Open-Appraisal is Missing - Due Diligence Vendor-04/06/2026 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-04/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 862980_xxxxxx_Appraisal.pdf<br> Reuploaded Appraisal.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862980 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 17:52 | 2026-04-09 07:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. Please see attached Purchase Contract. - Due Diligence Vendor-04/08/2026 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-04/06/2026 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 862980_xxxxxx_Purchase_contract.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862980 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 18:20 | 2026-04-09 07:19 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/08/2026 <br> Ready for Review-This isnt a condo we wouldnt require an HOA/condo questionnaire it is a SFR PUD-xxxxxx, not a condo. - Due Diligence Vendor-04/08/2026 <br> Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-04/06/2026 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862980 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 18:30 | 2026-04-08 14:35 | Resolved | 1 - Information D A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Document Uploaded. Please see attached. Only utilizing 401k funds to close transaction. - Due Diligence Vendor-04/08/2026 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Missing PCG showing in final 1003. Missing xxxxxx ending ...2691. Showing in final 1003 - Due Diligence Vendor-04/06/2026 |  | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 862980_xxxxxx_Asset_2.pdf<br> 862980_xxxxxx_NQLU0N0XM1J3JDB2PGW1US5X-form_1_URLA__Borrower_Information_(Borr2)_Final-1_(1).pdf<br> 862980_xxxxxx_Terms.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862980 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 18:30 | 2026-04-08 14:35 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-04/08/2026 <br> Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close $112393.88. Missing PCG showing in final 1003. Missing xxxxxx ending ...2691. Showing in final 1003 - Due Diligence Vendor-04/06/2026 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862980 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 18:30 | 2026-04-08 14:35 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Document Uploaded. Please see attached. Only utilizing 401k funds to close transaction. - Due Diligence Vendor-04/08/2026 <br>Open-Asset 1 Does Not Meet Guideline Requirements Missing xxxxxx ending ...2691. Showing in final 1003 - Due Diligence Vendor-04/06/2026 |  | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 862980_xxxxxx_NQLU0N0XM1J3JDB2PGW1US5X-form_1_URLA__Borrower_Information_(Borr2)_Final-1_(1).pdf<br> 862980_xxxxxx_Terms.pdf<br> 862980_xxxxxx_Asset_2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862980 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 18:30 | 2026-04-08 14:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Document Uploaded. Please see attached. Only utilizing 401k funds to close transaction. - Due Diligence Vendor-04/08/2026 <br>Open-Asset 1 Missing Missing xxxxxx ending ...2691. Showing in final 1003 - Due Diligence Vendor-04/06/2026 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 862980_xxxxxx_Terms.pdf<br> 862980_xxxxxx_NQLU0N0XM1J3JDB2PGW1US5X-form_1_URLA__Borrower_Information_(Borr2)_Final-1_(1).pdf<br> 862980_xxxxxx_Asset_2_2.pdf<br> 862980_xxxxxx_Asset_2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862980 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 18:30 | 2026-04-08 14:35 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Document Uploaded. Please see attached. Only utilizing 401k funds to close transaction. - Due Diligence Vendor-04/08/2026 <br>Open-Asset 2 Does Not Meet Guideline Requirements Missing PCG showing in final 1003. - Due Diligence Vendor-04/06/2026 |  | Resolved-Asset 2 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 862980_xxxxxx_NQLU0N0XM1J3JDB2PGW1US5X-form_1_URLA__Borrower_Information_(Borr2)_Final-1_(1).pdf<br> 862980_xxxxxx_Terms.pdf<br> 862980_xxxxxx_Asset_2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862980 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 18:30 | 2026-04-08 14:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Please see attached. Only utilizing 401k funds to close transaction. - Due Diligence Vendor-04/08/2026 <br>Open-Asset 2 Missing Missing PCG showing in final 1003. Missing xxxxxx ending ...2691. Showing in final 1003 - Due Diligence Vendor-04/06/2026 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862980 | xxxxxx | D A | Closed | xxxxxx | 2026-04-07 16:05 | 2026-04-08 14:32 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-SSR (UCDP) CU and LCA provided - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Document Uploaded. Please see attached SSR's - Due Diligence Vendor-04/08/2026 <br>Open- - Due Diligence Vendor-04/07/2026 |  | Resolved-SSR (UCDP) CU and LCA provided - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 862980_xxxxxx_SSR'a.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862980 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 18:04 | 2026-04-08 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Document Uploaded. Please see attached Credit Report. - Due Diligence Vendor-04/08/2026 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-04/06/2026 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 862980_xxxxxx_Credit.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862980 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 18:04 | 2026-04-08 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Document Uploaded. Please see attached Credit Report. - Due Diligence Vendor-04/08/2026 <br>Open-Borrower 2 Credit Report is Missing. Borrower 1 Credit Report is Missing. - Due Diligence Vendor-04/06/2026 |  | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 862980_xxxxxx_Credit.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862980 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 17:21 | 2026-04-08 14:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Document Uploaded. Please see attached Initial 1003. - Due Diligence Vendor-04/08/2026 <br>Open-The Initial 1003 is Missing Missing initial application. - Due Diligence Vendor-04/06/2026 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review862980_xxxxxx_4_7_2026_45617_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862991 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 863016 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 863026 | xxxxxx | B A | Closed | xxxxxx | 2026-04-27 11:11 | 2026-04-27 11:11 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsAsset Qualification Does Not Meet Guideline Requirements The exception is for the use of business funds (earnest money) in excess of ownership percentage. - Due Diligence Vendor-04/27/2026 |  | Waived-Exception granted with compensating factorsAsset Qualification Does Not Meet Guideline Requirements The exception is for the use of business funds (earnest money) in excess of ownership percentage. - Due Diligence Vendor-04/27/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.44 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.98 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.43 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Credit Score 10 points > minimum required.<br> DTI <= 36% which is below requirement in guidelines.<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines.<br> Employment - Same Job Employed at same job > 10 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 863035 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 863036 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-21 15:19 | 2026-04-22 13:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Loans utilizing an escrow waiver require 12 months reserves. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-04/22/2026 <br> Open-Audited Reserves of 3.01 are less than Guideline Required Reserves of 12. Loans utilizing an escrow waiver require 12 months reserves. - Due Diligence Vendor-04/21/2026 |  | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Loans utilizing an escrow waiver require 12 months reserves. - Due Diligence Vendor-04/22/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.50 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 748 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Compensating Factor 1 - Credit Score 30+ points > minimum required <br> Compensating Factor 2 - Self-employed for > 5 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 863132 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 863145 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-24 10:58 | 2026-04-29 11:58 | Resolved | 1 - Information C A | Property | Property Issue | Property documentation indicates active litigation | Resolved-Subject Property Unit xxxxxx is not listed - Milestone Inspection Report provided - HOA currently in Litigation due to The association is suing xxxxxx. Report also reflects units xxxxxx / Unit xxxxxx / Unit xxxxxx / Unit xxxxxx. / Unit xxxxxx and Unit xxxxxx. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Please see attached Complaint. - Seller-04/29/2026 <br> Open-Property documentation indicates active litigation. Additional Documentation needed. The provided Eligibility Review indicates the project is involved in a litigation. Condition states: Provided the pending lawsuit between the HOA and xxxxxx. - Due Diligence Vendor-04/24/2026 | Ready for Review-Document Uploaded. Please see attached Complaint. - Seller-04/29/2026<br>| Resolved-Subject Property Unit xxxxxx is not listed - Milestone Inspection Report provided - HOA currently in Litigation due to The association is suing xxxxxx. Report also reflects units xxxxxx / Unit xxxxxx / Unit xxxxxx / Unit xxxxxx. / Unit xxxxxx. - Due Diligence Vendor-04/29/2026 |  |  | Complaint (xxxxxx(25228310.1) (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 863145 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-23 01:36 | 2026-04-29 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Please see attached Questionnaire. - Buyer-04/29/2026 <br> Counter-Missing Condo Questionnaire - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. Please see attached Complaint. - Due Diligence Vendor-04/27/2026 <br> Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-04/23/2026 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/29/2026<br>|  |  | 863145_xxxxxx_9-2025_Building_1301_Assessment_milestone_DOC091925.pdf<br> 863145_xxxxxx_Complaint_(xxxxxx(25228310.1).pdf<br> 863145_xxxxxx_Email_work_has_been_completed.pdf<br> 863145_xxxxxx_8-11-2025_xxxxxx_Amended_Complaint_xxxxxx_(1).pdf<br> 863145_xxxxxx_Email_work_has_been_completed_(1).pdf<br> 863145_xxxxxx_1-31-2023-Building-1301-Milestone-Inspection-Report-DOC021723.pdf<br> xxxxxx Guestionnaire.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 863145 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-23 03:44 | 2026-04-24 09:22 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Approval - Loan Terms. - Due Diligence Vendor-04/24/2026 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/23/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/24/2026<br>|  | 1008/Underwriting Summary Not Provided | 863145_xxxxxx_863145_ldl-report_4162026104658_104658.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 863145 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-23 14:12 | 2026-04-24 09:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | AUS Not Provided | Resolved-AUS Findings Report is fully present - Due Diligence Vendor-04/24/2026 <br>Ready for Review-Document Uploaded. Please see attached AUS. - Due Diligence Vendor-04/24/2026 <br>Open-Final AUS is missing - Due Diligence Vendor-04/23/2026 |  | Resolved-AUS Findings Report is fully present - Due Diligence Vendor-04/24/2026<br>|  |  | 863145_xxxxxx_AUS_(1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 863145 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-23 14:12 | 2026-04-24 09:09 | Resolved | 1 - Information C A | Credit | Liabilities | No evidence of required debt payoff | Resolved-Proof Auto Loan is paid by the Business provided - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached evidence business pays. - Due Diligence Vendor-04/24/2026 <br> Open-Missing evidence xxxxxx has been paid in full - Due Diligence Vendor-04/23/2026 |  | Resolved-Proof Auto Loan is paid by the Business provided - Due Diligence Vendor-04/24/2026<br>|  |  | 863145_xxxxxx_payments_to_show_business_is_making_payment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 863145 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-23 14:09 | 2026-04-24 09:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement (not escrowed) HOI & Tax cert provided - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached HOI on primary residence, non-subject/REO. - Due Diligence Vendor-04/24/2026 <br> Open-Missing verification of insurance for xxxxxx - Due Diligence Vendor-04/23/2026 |  | Resolved-Mortgage statement (not escrowed) HOI & Tax cert provided - Due Diligence Vendor-04/24/2026<br>|  |  | 863145_xxxxxx_REO_Docs_(1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 863150 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863159 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-28 01:18 | 2026-05-08 13:24 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Supporting communication from Appraisal desk supporting fee increase disclosed to borrower within 3 days of lender knowledge. xxxxxx - Due Diligence Vendor-05/08/2026 <br> Resolved- - Due Diligence Vendor-05/08/2026 <br> Open- - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. Please see response from the seller - Due Diligence Vendor-05/07/2026 <br> Counter-\*\*\*\*\*\*\*\*\*\*\*\*\*\* An escalated review of the appraisal fee increase is not supported by a valid change of circumstance. The lender's COC forms citing "complexity" are not backed by any documentation, and the appraisal invoice does not substantiate the higher charge. A $115.00 0% tolerance cure is required. The lender must provide a copy of the cure check to the borrower in the amount of $115.00, along with an LOE, PCCD, and proof of mailing. xxxxxx - Due Diligence Vendor-05/05/2026 <br> Counter-\*\*Received Revised COC history that has the Date of Change updated from xxxxxx with a revised LE issued xxxxxx. Lender to provide additional clarification and explanation. - Due Diligence Vendor-05/05/2026 <br> Counter-\*\*Received explanation. COC indicating the increase of the Appraisal fee from $585 to $700 has a date of change of xxxxxx. The Revised LE issued xxxxxx which is the disclosure issued within 3 business days of the date of change DID NOT disclose the increase. The $700 amount was first disclosed in the CD issued xxxxxx, which is more than 3 business days of the date of the COC of xxxxxx. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Please see attached revised COC and revised LE on xxxxxx.<br>- Buyer-05/04/2026 <br> Ready for Review-Per COC provided, the increase on xxxxxx was due to property complexities. Please see COC that was submitted. - Due Diligence Vendor-05/01/2026 <br> Counter-\*\*\*Received ICD and COC document. The Appraisal fee increased from $585 to $700 in the ICD and remained through the Final CD. The original file or additional support documents provided do not included a valid COC reason in relation to the increase. - Due Diligence Vendor-05/01/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $115.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. See attached COC - Due Diligence Vendor-04/30/2026 <br> Open-0% Tolerance Violation - new or increased charges The following charges have been either added or increased: Loan Origination points fee and appraisal fee resulting in a 0% tolerance cure in the amount of $1,000. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of 1,000 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.<br> - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,000.00.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). The following charges have been either added or increased: Loan origination fee and appraisal fee resulting in a 0% tolerance cure in the amount of $1000. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $1000 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/28/2026 <br> Open- - Due Diligence Vendor-04/28/2026 <br> Open- - Due Diligence Vendor-04/28/2026 |  | Resolved-Supporting communication from Appraisal desk supporting fee increase disclosed to borrower within 3 days of lender knowledge. xxxxxx - Due Diligence Vendor-05/08/2026<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 0.22<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.83 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 24.43% 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 - 18.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Full Review863159_xxxxxx_xxxxxx_4_29_2026_30847_PM.zip<br> 863159_xxxxxx_Changed_Circumstances.pdf<br> xxxxxx_Changed Circumstances (3).pdf<br> xxxxxx_Revised LE xxxxxx (1).pdf<br> Full Review863159_xxxxxx_5_7_2026_95729_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863159 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-28 01:18 | 2026-05-08 13:24 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Supporting communication from Appraisal desk supporting fee increase disclosed to borrower within 3 days of lender knowledge. xxxxxx - Due Diligence Vendor-05/08/2026 <br> Resolved- - Due Diligence Vendor-05/08/2026 <br> Open- - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. Please see response from the seller - Due Diligence Vendor-05/07/2026 <br> Counter-\*\*\*\*\*\*\*\*\*\*\*\*\*\* An escalated review of the appraisal fee increase is not supported by a valid change of circumstance. The lender's COC forms citing "complexity" are not backed by any documentation, and the appraisal invoice does not substantiate the higher charge. A $115.00 0% tolerance cure is required. The lender must provide a copy of the cure check to the borrower in the amount of $115.00, along with an LOE, PCCD, and proof of mailing. xxxxxx - Due Diligence Vendor-05/05/2026 <br> Counter-\*\*Received Revised COC history that has the Date of Change updated from xxxxxx with a revised LE issued xxxxxx. Lender to provide additional clarification and explanation. - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. Please see attached revised COC and revised LE on xxxxxx.<br>- Seller-05/04/2026 <br> Counter-\*\*Received explanation. COC indicating the increase of the Appraisal fee from $585 to $700 has a date of change of xxxxxx. The Revised LE issued xxxxxx which is the disclosure issued within 3 business days of the date of change DID NOT disclose the increase. The $700 amount was first disclosed in the CD issued xxxxxx, which is more than 43 business days of the date of the COC of xxxxxx. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Per COC provided, the increase on xxxxxx was due to property complexities. Please see COC that was submitted. - Due Diligence Vendor-05/01/2026 <br> Counter-\*\*\*Received ICD and COC document. The Appraisal fee increased from $585 to $700 in the ICD and remained through the Final CD. The original file or additional support documents provided do not included a valid COC reason in relation to the increase. - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. See attached COC - Due Diligence Vendor-04/30/2026 <br> Open-0% Tolerance Violation - new or increased charges The following charges have been either added or increased: Loan Origination points fee and appraisal fee resulting in a 0% tolerance cure in the amount of $1,000. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of 1,000 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.<br> - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/28/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/28/2026 <br> Open- - Due Diligence Vendor-04/28/2026 | Ready for Review-Document Uploaded. Please see attached revised COC and revised LE on xxxxxx.<br>- Seller-05/04/2026 | Resolved-Supporting communication from Appraisal desk supporting fee increase disclosed to borrower within 3 days of lender knowledge. xxxxxx - Due Diligence Vendor-05/08/2026<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 0.22<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.83 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 24.43% 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 - 18.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Full Review863159_xxxxxx_4_29_2026_30727_PM.zip<br> xxxxxx_Changed Circumstances (3).pdf<br> xxxxxx_Revised LE xxxxxx (1).pdf<br> Full Review863159_xxxxxx_5_7_2026_95732_AM.zip<br> 863159_xxxxxx_Response.pdf<br> 863159_xxxxxx_Changed_Circumstances.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863159 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-28 01:18 | 2026-05-08 13:24 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Supporting communication from Appraisal desk supporting fee increase disclosed to borrower within 3 days of lender knowledge. xxxxxx - Due Diligence Vendor-05/08/2026 <br> Resolved- - Due Diligence Vendor-05/08/2026 <br> Open- - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. Please see response from the seller - Due Diligence Vendor-05/07/2026 <br> Counter-\*\*\*\*\*\*\*\*\*\*\*\*\*\* An escalated review of the appraisal fee increase is not supported by a valid change of circumstance. The lender's COC forms citing "complexity" are not backed by any documentation, and the appraisal invoice does not substantiate the higher charge. A $115.00 0% tolerance cure is required. The lender must provide a copy of the cure check to the borrower in the amount of $115.00, along with an LOE, PCCD, and proof of mailing. xxxxxx - Due Diligence Vendor-05/05/2026 <br> Counter-\*\*Received Revised COC history that has the Date of Change updated from xxxxxx with a revised LE issued xxxxxx. Lender to provide additional clarification and explanation. - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. Please see attached revised COC and revised LE on xxxxxx.<br>- Seller-05/04/2026 <br> Counter-\*\*Received explanation. COC indicating the increase of the Appraisal fee from $585 to $700 has a date of change of xxxxxx. The Revised LE issued xxxxxx which is the disclosure issued within 3 business days of the date of change DID NOT disclose the increase. The $700 amount was first disclosed in the CD issued xxxxxx, which is more than 43 business days of the date of the COC of xxxxxx. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Per COC provided, the increase on xxxxxx was due to property complexities. Please see COC that was submitted. - Due Diligence Vendor-05/01/2026 <br> Counter-\*\*\*Received ICD and COC document. The Appraisal fee increased from $585 to $700 in the ICD and remained through the Final CD. The original file or additional support documents provided do not included a valid COC reason in relation to the increase. - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. See attached COC - Due Diligence Vendor-04/30/2026 <br> Open-0% Tolerance Violation - new or increased charges The following charges have been either added or increased: Loan Origination points fee and appraisal fee resulting in a 0% tolerance cure in the amount of $1,000. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of 1,000 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.<br> - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/28/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/28/2026 <br> Open- - Due Diligence Vendor-04/28/2026 | Ready for Review-Document Uploaded. Please see attached revised COC and revised LE on xxxxxx.<br>- Seller-05/04/2026 | Resolved-Supporting communication from Appraisal desk supporting fee increase disclosed to borrower within 3 days of lender knowledge. xxxxxx - Due Diligence Vendor-05/08/2026<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 0.22<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.83 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 24.43% 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 - 18.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Full Review863159_xxxxxx_4_29_2026_30311_PM.zip<br> xxxxxx_Changed Circumstances (3).pdf<br> xxxxxx_Revised LE xxxxxx (1).pdf<br> Full Review863159_xxxxxx_5_7_2026_95734_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863159 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-28 01:18 | 2026-05-01 11:58 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-\*\*\*Received ICD - Due Diligence Vendor-05/01/2026 <br> Resolved- - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. See attached CD - Due Diligence Vendor-04/30/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxxxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business<br> days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing /<br> settlement date if no consummation date is provided, of the transaction<br> The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three<br> business days before consummation. - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/28/2026 <br> Open- - Due Diligence Vendor-04/28/2026 |  | Resolved-\*\*\*Received ICD - Due Diligence Vendor-05/01/2026<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 0.22<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.83 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 24.43% 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 - 18.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | Full Review863159_xxxxxx_4_29_2026_43555_PM.zip<br> 863159_xxxxxx_Initial_CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863159 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-27 06:52 | 2026-04-30 10:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/30/2026 <br>Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-04/30/2026 <br>Open-Title Document is missing - Due Diligence Vendor-04/27/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-04/30/2026<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 0.22<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.83 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 24.43% 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 - 18.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | 863159_xxxxxx_Title_Commitment-Preliminary_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863167 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 863254 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-22 17:29 | 2026-04-28 14:45 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026 <br>Resolved- - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. See attached LOE, check. PPCD and tracking - Due Diligence Vendor-04/27/2026 <br>Open-\*\*\* Recording charges of $43 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $86. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $4.73 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/23/2026 <br>Open- - Due Diligence Vendor-04/23/2026 <br>Open- - Due Diligence Vendor-04/23/2026 <br>Open- - Due Diligence Vendor-04/22/2026 <br>Open- - Due Diligence Vendor-04/22/2026 <br>Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($52.03) exceed the comparable charges ($43.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/22/2026 <br>Open- - Due Diligence Vendor-04/22/2026 |  | Cured-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 708 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review863254_xxxxxx_4_27_2026_114217_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863254 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-22 17:29 | 2026-04-28 14:45 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026 <br>Resolved- - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. See attached LOE, check. PPCD and tracking - Due Diligence Vendor-04/27/2026 <br>Open-\*\*\* Recording charges of $43 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $86. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $4.73 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/23/2026 <br>Open- - Due Diligence Vendor-04/23/2026 <br>Open- - Due Diligence Vendor-04/23/2026 <br>Open- - Due Diligence Vendor-04/22/2026 <br>Open- - Due Diligence Vendor-04/22/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/22/2026 <br>Open- - Due Diligence Vendor-04/22/2026 |  | Cured-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 708 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review863254_xxxxxx_4_27_2026_114247_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863254 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-22 17:29 | 2026-04-28 14:43 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026 <br>Resolved- - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. See attached LOE, check. PPCD and tracking - Due Diligence Vendor-04/27/2026 <br>Open-\*\*\* Recording charges of $43 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $86. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $4.73 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/23/2026 <br>Open- - Due Diligence Vendor-04/23/2026 <br>Open- - Due Diligence Vendor-04/23/2026 <br>Open- - Due Diligence Vendor-04/22/2026 <br>Open- - Due Diligence Vendor-04/22/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/22/2026 <br>Open- - Due Diligence Vendor-04/22/2026 |  | Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.19 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.34 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 708 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review863254_xxxxxx_4_27_2026_114233_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863278 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863289 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863296 | xxxxxx | D B C A | Closed | xxxxxx | 2026-04-16 08:50 | 2026-04-30 11:04 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Cured-Received cure package - Due Diligence Vendor-04/30/2026 <br> Resolved-Received cure package - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $2,594,766.03. The disclosed finance charge of $2,593,276.03 is not considered accurate for purposes of rescission because it is understated by more than $35. - Due Diligence Vendor-04/30/2026 <br> Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/30/2026 <br> Resolved- - Due Diligence Vendor-04/30/2026 <br> Ready for Review-4/29/26 - please see PCCD with refund - Buyer-04/29/2026 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $2,594,766.03. The disclosed finance charge of $2,593,276.03 is not considered accurate for purposes of rescission because it is understated by more than $35. \*\*\*\*\*\*\*\* Lender did not provide the borrower with the xxxxxx Attorney Disclosure as required under Under 3 xxxxxx ADC 38.7(a)(11). Attorney fees cannot be excluded from Finance Charge/TOP calculations, without the disclosure signed by borrower that indicates the borrower opted to engage "own attorney".~~~~~~~~~ ".~~~~~~~~~ Finance charge violation is $1,490.00, Total of Payments violation is $1,800.00. Material disclosure remediation required on a rescindable transaction are: Copy of restitution/refund to borrower, specific LOE, PCCD, copy of right to cancel(s) showing updated expiration date, proof of delivery. - Due Diligence Vendor-04/16/2026 <br> Open- - Due Diligence Vendor-04/16/2026 |  | Cured-Received cure package - Due Diligence Vendor-04/30/2026 <br>Resolved-Received cure package - Due Diligence Vendor-04/30/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/30/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.31 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863296 | xxxxxx | D B C A | Closed | xxxxxx | 2026-04-16 08:50 | 2026-04-30 11:04 | Cured | 2 - Non-Material C B | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Cured-Received cure package - Due Diligence Vendor-04/30/2026 <br> Resolved-Received cure package - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Ready for Review-4/29/26 - please see PCCD with refund - Buyer-04/29/2026 <br> Open-This loan failed the TRID foreclosure rescission total of payments test. (12 CFR §1026.23(h)(2)(ii))The total of payments is $4,430,221.06. The disclosed total of payments charge of $4,428,421.06 is not considered accurate for purposes of rescission because it is understated by more than $35. \*\*\*\*\*\*\*\* Lender did not provide the borrower with the xxxxxx Attorney Disclosure as required under Under 3 xxxxxx ADC 38.7(a)(11). Attorney fees cannot be excluded from Finance Charge/TOP calculations, without the disclosure signed by borrower that indicates the borrower opted to engage "own attorney".~~~~~~~~~ ".~~~~~~~~~ Finance charge violation is $1,490.00, Total of Payments violation is $1,800.00. Material disclosure remediation required on a rescindable transaction are: Copy of restitution/refund to borrower, specific LOE, PCCD, copy of right to cancel(s) showing updated expiration date, proof of delivery. - Due Diligence Vendor-04/16/2026 <br> Open- - Due Diligence Vendor-04/16/2026 |  | Cured-Received cure package - Due Diligence Vendor-04/30/2026 <br>Resolved-Received cure package - Due Diligence Vendor-04/30/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.31 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863296 | xxxxxx | D B C A | Closed | xxxxxx | 2026-04-16 08:50 | 2026-04-30 11:04 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-Received cure package - Due Diligence Vendor-04/30/2026 <br> Resolved-Received cure package - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $2,594,766.03. The disclosed finance charge of $2,593,276.03 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-04/30/2026 <br> Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/30/2026 <br> Resolved- - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. 4/29/26 - please see PCCD with refund - Seller-04/29/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $2,594,766.03. The disclosed finance charge of $2,593,276.03 is not considered accurate because it is understated by more than $100. \*\*\*\*\*\*\*\* Lender did not provide the borrower with the xxxxxx Attorney Disclosure as required under Under 3 xxxxxx ADC 38.7(a)(11). Attorney fees cannot be excluded from Finance Charge/TOP calculations, without the disclosure signed by borrower that indicates the borrower opted to engage "own attorney".~~~~~~~~~ ".~~~~~~~~~ Finance charge violation is $1,490.00, Total of Payments violation is $1,800.00. Material disclosure remediation required on a rescindable transaction are: Copy of restitution/refund to borrower, specific LOE, PCCD, copy of right to cancel(s) showing updated expiration date, proof of delivery. - Due Diligence Vendor-04/16/2026 <br> Open- - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. 4/29/26 - please see PCCD with refund - Seller-04/29/2026<br>| Cured-Received cure package - Due Diligence Vendor-04/30/2026 <br>Resolved-Received cure package - Due Diligence Vendor-04/30/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/30/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.31 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx PCCD with refund.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863296 | xxxxxx | D B C A | Closed | xxxxxx | 2026-04-14 13:01 | 2026-04-30 11:03 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Received cure package - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. 4/29/26 - please see PCCD with refund - Seller-04/29/2026 <br> Open-\*\*\*\*\*\*\*\* Lender did not provide the borrower with the xxxxxx Attorney Disclosure as required under Under 3 xxxxxx ADC 38.7(a)(11). Attorney fees cannot be excluded from Finance Charge/TOP calculations, without the disclosure signed by borrower that indicates the borrower opted to engage "own attorney".~~~~~~~~~ ".~~~~~~~~~ Finance charge violation is $1,490.00, Total of Payments violation is $1,800.00. Material disclosure remediation required on a rescindable transaction are: Copy of restitution/refund to borrower, specific LOE, PCCD, copy of right to cancel(s) showing updated expiration date, proof of delivery. - Due Diligence Vendor-04/16/2026 <br> Open-Right To Choose Attorney or Attorney Preference Not In File \*\*\*\*\*\*Documentation provided does not contain the Right To Choose Attorney . ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. 4/29/26 - please see PCCD with refund - Seller-04/29/2026<br>| Resolved-Received cure package - Due Diligence Vendor-04/30/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.31 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx PCCD with refund.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863296 | xxxxxx | D B C A | Closed | xxxxxx | 2026-04-16 08:50 | 2026-04-30 11:02 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Received cure package - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $4,430,221.06. The disclosed total of payments of $4,428,421.06 is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. - Due Diligence Vendor-04/30/2026 <br> Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/30/2026 <br> Resolved- - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. 4/29/26 - please see PCCD with refund - Seller-04/29/2026 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $4,430,221.06. The disclosed total of payments of $4,428,421.06 is not considered accurate because it is understated by more than $100 and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy. \*\*\*\*\*\*\*\* Lender did not provide the borrower with the xxxxxx Attorney Disclosure as required under Under 3 xxxxxx ADC 38.7(a)(11). Attorney fees cannot be excluded from Finance Charge/TOP calculations, without the disclosure signed by borrower that indicates the borrower opted to engage "own attorney".~~~~~~~~~ ".~~~~~~~~~ Finance charge violation is $1,490.00, Total of Payments violation is $1,800.00. Material disclosure remediation required on a rescindable transaction are: Copy of restitution/refund to borrower, specific LOE, PCCD, copy of right to cancel(s) showing updated expiration date, proof of delivery. - Due Diligence Vendor-04/16/2026 <br> Open- - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. 4/29/26 - please see PCCD with refund - Seller-04/29/2026<br>| Resolved-Received cure package - Due Diligence Vendor-04/30/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/30/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.31 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | xxxxxx PCCD with refund.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863296 | xxxxxx | D B C A | Closed | xxxxxx | 2026-04-23 13:23 | 2026-04-24 07:21 | Waived | 2 - Non-Material C B | Credit | Borrower | Ineligible Vesting | Waived-Exception granted with compensating factors Ineligible entity Vesting on consumer purpose loan; borrower signed a personal guaranty - Due Diligence Vendor-04/24/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-04/24/2026 <br> Open-Ineligible Vesting. Loan closed and is vested into a business entity which is ineligible on a consumer purpose loan. - Due Diligence Vendor-04/23/2026 |  | Waived-Exception granted with compensating factors Ineligible entity Vesting on consumer purpose loan; borrower signed a personal guaranty - Due Diligence Vendor-04/24/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.31 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> Compensating Factor 2 - Reserves exceed requirement by 10 months or more <br> Compensating Factor 3 - DTI <= 40% which is below requirement in guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 863307 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863311 | xxxxxx | B A | Closed | xxxxxx | 2026-04-03 03:24 | 2026-04-07 14:05 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/07/2026 <br>Ready for Review-Document Uploaded. - Seller-04/06/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. - Seller-04/06/2026<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/07/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863313 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 863316 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 863327 | xxxxxx | D A | Closed | xxxxxx | 2026-05-07 08:03 | 2026-05-11 10:35 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/11/2026 <br>Ready for Review-Document Uploaded. Final UW approval - Due Diligence Vendor-05/08/2026 <br>Open-1008/Underwriting Summary Not Provided 1008 MISSING IN LOAN DOCUMENTS - Due Diligence Vendor-05/07/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/11/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 807 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 19.78% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |  | 863327_xxxxxx_Loan_#863327_LDL-Report_5-4-26.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863327 | xxxxxx | D A | Closed | xxxxxx | 2026-05-07 16:33 | 2026-05-11 10:34 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Additional xxxxxx AVM provided - Due Diligence Vendor-05/11/2026 <br>Ready for Review-Document Uploaded. see both appraisal products - Due Diligence Vendor-05/08/2026 <br>Open- - Due Diligence Vendor-05/07/2026 |  | Resolved-Additional xxxxxx AVM provided - Due Diligence Vendor-05/11/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 807 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 19.78% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |  | 863327_xxxxxx_P_AVM_Report.pdf<br> 863327_xxxxxx_Second_AVM_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863327 | xxxxxx | D A | Closed | xxxxxx | 2026-05-07 07:23 | 2026-05-11 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/11/2026 <br>Ready for Review-Document Uploaded. Bank statement worksheet - Due Diligence Vendor-05/08/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/07/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/11/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 807 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 19.78% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |  | 863327_xxxxxx_863327__xxxxxx_3-27-26_SM.xlsx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863354 | xxxxxx | B A | Closed | xxxxxx | 2026-04-15 13:09 | 2026-04-17 07:42 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/17/2026 <br>Ready for Review-Document Uploaded. See attached approval. - Due Diligence Vendor-04/16/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/15/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/17/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.94% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 863354_xxxxxx_863354_FINAL_ldl-report_43202671346_071347.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863355 | xxxxxx | C A | Closed | xxxxxx | 2026-04-20 09:01 | 2026-05-08 15:07 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-\*\*\*Received confirmation of the application date. - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. xxxxxx shows application date of xxxxxx - Due Diligence Vendor-05/08/2026 <br> Open- Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. xxxxxx - Due Diligence Vendor-04/20/2026 |  | Resolved-\*\*\*Received confirmation of the application date. - Due Diligence Vendor-05/08/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.11 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.9% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.03 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review863355_xxxxxx_xxxxxx_5_7_2026_52110_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863366 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863369 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 863381 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863383 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863391 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863414 | xxxxxx | C A | Closed | xxxxxx | 2026-05-08 10:07 | 2026-05-12 19:38 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. <br> Please see attached TRID Disclosure Summary. - Buyer-05/11/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (Revised CD) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Finding - Due Diligence Vendor-05/08/2026 |  | <br> Resolved- - Due Diligence Vendor-05/12/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.91 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.27 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.64% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.07% 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 - 12.24 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.25 Years |  | xxxxxx_TridDisclosureSummary.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863418 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-24 08:06 | 2026-05-01 17:42 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event detail provided - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. tolerance baseline was reset on xxxxxx due to a borrower-requested rate change, see uploaded xxxxxx COC. xxxxxx! - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/25/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($3,895.62) does not exceed or equal the comparable sum of specific and non-specific lender credits ($7,723.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 |  | Resolved-COC event detail provided - Due Diligence Vendor-05/01/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.87 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | Full Review863418_xxxxxx_4_29_2026_41915_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863418 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-23 07:03 | 2026-04-23 07:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception granted with compensating factorsAudited DTI of 48.92% exceeds Guideline DTI of 45% DTI over 45% for FTHB<br> - Due Diligence Vendor-04/23/2026 |  | Waived-Exception granted with compensating factorsAudited DTI of 48.92% exceeds Guideline DTI of 45% DTI over 45% for FTHB<br> - Due Diligence Vendor-04/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.87 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More | 1) LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> 2) Credit Score 10 points > minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 863429 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-24 08:02 | 2026-05-11 16:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. Please find the 1003 uploaded. xxxxxx! - Due Diligence Vendor-05/11/2026 <br> Counter-Provide updated 1003 showing asset accounts used and balances to qualify. - Due Diligence Vendor-05/07/2026 <br> Resolved-Asset 1 Provided - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. The xxxxxx account was mislabeled in our system. The attached statement reflects the correct account (ending in 1440) used for assets. The loan processors confirmation is included for reference. - Due Diligence Vendor-05/07/2026 <br> Open-Asset 1 Missing with xxxxxx showing no less than $72,936.08 date no older than 60 days to note date - Due Diligence Vendor-04/24/2026 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-05/11/2026 <br>Resolved-Asset 1 Provided - Due Diligence Vendor-05/07/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.30 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.29 Years<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 29.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 10.42 Years<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 25.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 709 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 863429_xxxxxx_Acct_Response_2.pdf<br> 863429_xxxxxx_Acct_Response.pdf<br> 863429_xxxxxx_Revised_1003.pdf<br> 863429_xxxxxx_Revised_1003_2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863429 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-27 12:02 | 2026-04-27 12:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Property or house size is outside of guidelines | Waived-Exception granted with compensating factorsAll xxxxxx units are under 400 square feet. (xxxxxx square feet).<br> - Due Diligence Vendor-04/27/2026 |  | Waived-Exception granted with compensating factorsAll xxxxxx units are under 400 square feet. xxxxxx.<br> - Due Diligence Vendor-04/27/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.30 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.29 Years<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 29.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 10.42 Years<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 25.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 709 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Reserves exceed requirement by 10 months or more.<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> DTI <= 36% which is below requirement in guidelines. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 863431 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863439 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-04 14:55 | 2026-05-04 14:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject property was listed for sale within a time period not allowed per guidelines | Waived-Exception granted with compensating factorsexception granted to allow listing seasoning less than 6 months for cash out loan; subject was de-listed prior to loan application - Due Diligence Vendor-05/04/2026 <br> Open-subject property was listed within 6 months of closing (listing terminated xxxxxx) - Due Diligence Vendor-05/04/2026 |  | Waived-Exception granted with compensating factorsexception granted to allow listing seasoning less than 6 months for cash out loan; subject was de-listed prior to loan application - Due Diligence Vendor-05/04/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.25 Are Greater Than The Guideline Minimum Of 6 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 - 42.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 42.62 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | BORROWER'S FICO SCORE IS 95+ THE MINIMUM REQUIRED BY THE PROGRAM. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 863439 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-16 10:41 | 2026-03-16 10:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Transferred Appraisal does not meet guideline requirements | Waived-Exception granted with compensating factorsPROGRAM: TRANSFER APPRAISAL EXCEPTION TO ALLOW TRANSFER APPRAISAL MORE THAN 75 DAYS FROM THE SUBMISSION DATE. APPRAISAL IS 84 DAYS FROM THE SUBMISSION DATE. - Due Diligence Vendor-03/16/2026 |  | Waived-Exception granted with compensating factorsPROGRAM: TRANSFER APPRAISAL EXCEPTION TO ALLOW TRANSFER APPRAISAL MORE THAN 75 DAYS FROM THE SUBMISSION DATE. APPRAISAL IS 84 DAYS FROM THE SUBMISSION DATE. - Due Diligence Vendor-03/16/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.25 Are Greater Than The Guideline Minimum Of 6 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 - 42.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 42.62 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 735 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | BORROWER'S FICO SCORE IS 95+ THE MINIMUM REQUIRED BY THE PROGRAM. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 863467 | xxxxxx | D A | Closed | xxxxxx | 2026-05-01 14:22 | 2026-05-14 17:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/04/2026 <br>Ready for Review-Document Uploaded. Please find uploaded the Income Worksheet. xxxxxx! - Due Diligence Vendor-05/04/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/01/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/04/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 863467_xxxxxx_863467_Income_Worksheet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863471 | xxxxxx | C A | Closed | xxxxxx | 2026-04-15 01:44 | 2026-04-28 14:34 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. See RCE - Due Diligence Vendor-04/28/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Hazard Insurance coverage shows xxxxxx - short of the minimum coverage required of $xxxxxx. Please provide HOI policy that shows coverage IAO $xxxxxx or more. - Due Diligence Vendor-04/15/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/28/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 707 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 346.8 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | 863471_xxxxxx_HOI_WITH_RCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863483 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863492 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 863495 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863498 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863502 | xxxxxx | D A | Closed | xxxxxx | 2026-05-04 15:12 | 2026-05-07 18:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/07/2026 <br> Resolved- - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. See attached VVOE - Due Diligence Vendor-05/07/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing. Section 2.7.5.3 requires a YTD paystub within 30 days of Note date (most recent xxxxxx) OR a verbal VOE within 10 calandar days prior to the Note date (xxxxxx). Paystub >30 days & missing VVOE. - Due Diligence Vendor-05/04/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.38 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.38 Years |  | 863502_xxxxxx_VVOE2.pdf<br> 863502_xxxxxx_VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863502 | xxxxxx | D A | Closed | xxxxxx | 2026-05-04 15:12 | 2026-05-07 18:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/07/2026 <br> Resolved- - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. See attached VVOE - Due Diligence Vendor-05/07/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing. Section 2.7.5.3 requires a YTD paystub within 30 days of Note date (most recent xxxxxx) OR a verbal VOE within 10 calandar days prior to the Note date (xxxxxx). Paystub >30 days & missing VVOE. - Due Diligence Vendor-05/04/2026 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.38 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.38 Years |  | 863502_xxxxxx_VVOE.pdf<br> 863502_xxxxxx_VVOE2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863502 | xxxxxx | D A | Closed | xxxxxx | 2026-05-04 08:49 | 2026-05-07 18:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. See attached gap report - Due Diligence Vendor-05/07/2026 <br> Open-Borrower 2 Gap Credit Report is Missing. Section 2.5.2 requires a gap credit report no more than 30-days prior to loan closing. Subject cbr = 3/9/26, Note = xxxxxx. - Due Diligence Vendor-05/04/2026 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.38 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.38 Years |  | 863502_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863502 | xxxxxx | D A | Closed | xxxxxx | 2026-05-04 08:49 | 2026-05-07 18:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2026 <br> Resolved- - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. See attached gap report - Due Diligence Vendor-05/07/2026 <br> Open-Borrower 1 Gap Credit Report is Missing. Section 2.5.2 requires a gap credit report no more than 30-days prior to loan closing. Subject cbr = 3/9/26, Note = xxxxxx. - Due Diligence Vendor-05/04/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.38 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.38 Years |  | 863502_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863505 | xxxxxx | B A | Closed | xxxxxx | 2026-05-05 09:17 | 2026-05-05 09:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-Exception granted with compensating factorsAllow First time investor with DSCR < 1.0 (.85) - Due Diligence Vendor-05/05/2026 |  | Waived-Exception granted with compensating factorsAllow First time investor with DSCR < 1.0 (.85) - Due Diligence Vendor-05/05/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 15.31 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 13.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 64.94% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 784 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> Credit Score 30+ points > minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 863512 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 863538 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 863539 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 863540 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863569 | xxxxxx | D A | Closed | xxxxxx | 2026-04-28 02:01 | 2026-05-04 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/04/2026 <br>Ready for Review-Document Uploaded. Please see credit report - Due Diligence Vendor-05/01/2026 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-04/28/2026 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/04/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable 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 |  | 863569_xxxxxx_Credit_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863579 | xxxxxx | D A | Closed | xxxxxx | 2026-05-05 15:13 | 2026-05-22 08:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/22/2026 <br>Ready for Review-Document Uploaded. CPA Letter - Due Diligence Vendor-05/21/2026 <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-05/05/2026 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/22/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 691 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.85 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.86 Years |  | Full Review863579_xxxxxx_5_21_2026_122303_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863579 | xxxxxx | D A | Closed | xxxxxx | 2026-05-05 15:13 | 2026-05-22 08:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/08/2026 <br>Ready for Review-Document Uploaded. income worksheet - Due Diligence Vendor-05/08/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/05/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 691 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.85 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.86 Years |  | 863579_xxxxxx_book-bank-income.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863579 | xxxxxx | D A | Closed | xxxxxx | 2026-05-05 15:57 | 2026-05-14 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2026 <br>Ready for Review-Document Uploaded. UDM - Due Diligence Vendor-05/13/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/05/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 691 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.85 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.86 Years |  | 863579_xxxxxx_UDM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863579 | xxxxxx | D A | Closed | xxxxxx | 2026-05-05 13:04 | 2026-05-08 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/08/2026 <br>Ready for Review-Document Uploaded. Purchase Contract - Due Diligence Vendor-05/08/2026 <br>Open-Purchase Contract Is Missing - Due Diligence Vendor-05/05/2026 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-05/08/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 691 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.05 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.85 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.86 Years |  | 863579_xxxxxx_Purchase_Contract.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863622 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863638 | xxxxxx | C A | Closed | xxxxxx | 2026-04-24 04:45 | 2026-05-04 19:22 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-05/04/2026 <br> Resolved- - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Uploaded Re-Disclosed LE dated xxxxxx and COC - Due Diligence Vendor-05/01/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. \*\*\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/27/2026 <br> Open- - Due Diligence Vendor-04/27/2026 <br> Open- - Due Diligence Vendor-04/27/2026 |  | Resolved-Locked LE received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-05/04/2026<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 39.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 702 is Greater Than The Guideline Minimum Of 680 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 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.27 Years<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 12.9 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review863638_xxxxxx_4_30_2026_41024_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863667 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 863674 | xxxxxx | C A | Closed | xxxxxx | 2026-04-17 12:28 | 2026-04-21 15:38 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-04/21/2026 <br> Resolved- - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-04/20/2026 <br> Open- - Due Diligence Vendor-04/18/2026 <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. - Due Diligence Vendor-04/17/2026 <br> Open- - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-04/20/2026 | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-04/21/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 721 is Greater Than The Guideline Minimum Of 660 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 0.06<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 101.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863677 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-22 09:44 | 2026-05-01 13:46 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026 <br> Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026 <br> Resolved- - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. See attached LOE, check. PPCD and tracking - Due Diligence Vendor-04/27/2026 <br> Open-The following charges have been increased: Credit Report resulting in a 0% tolerance cure in the amount of $50. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/22/2026 <br> Open- - Due Diligence Vendor-04/22/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $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). Loan Failed Charges that cannot increase failure with the variance of $50 due to the increase in the Credit Report fee from the initial LE dated xxxxxx $150 to the Revised LE dated xxxxxx, ICD dated xxxxxx, RCD dated xxxxxx, FCD dated xxxxxx and PCCD dated xxxxxx fee disclosed as $200, however no COC addressing the failure, kindly provide cure of $50 or COC addressing the change. - Due Diligence Vendor-04/22/2026 <br> Open- - Due Diligence Vendor-04/22/2026 <br> Open- - Due Diligence Vendor-04/22/2026 <br> Open- - Due Diligence Vendor-04/22/2026 |  | Cured-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.70 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review863677_xxxxxx_4_27_2026_104601_AM.zip<br> 863677_xxxxxx_Lender_Cert_-_Post_CD.pdf<br> 863677_xxxxxx_100261002114_-_Tolerance_Cure,_4-24-26.pdf<br> 863677_xxxxxx_Post_CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863677 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-22 09:44 | 2026-05-01 13:45 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026 <br>Resolved- - Due Diligence Vendor-04/28/2026 <br>Open-The following charges have been increased: Credit Report resulting in a 0% tolerance cure in the amount of $50. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/22/2026 <br>Open- - Due Diligence Vendor-04/22/2026 <br>Open- - Due Diligence Vendor-04/22/2026 <br>Open- - Due Diligence Vendor-04/22/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/22/2026 <br>Open- - Due Diligence Vendor-04/22/2026 |  | Cured-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026 <br>Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.70 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863677 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-22 15:03 | 2026-04-30 21:15 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided disclosure tracking indicating Application date of xxxxxx - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. - Seller-04/30/2026 <br> Open-\*\*\*\*Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. xxxxxx - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. - Seller-04/30/2026<br>| Resolved-Lender provided disclosure tracking indicating Application date of xxxxxx - Due Diligence Vendor-05/01/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.70 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Disclosure Tracking - Showing App Date (1).pdf<br>Disclosure Tracking - Showing App Date (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863677 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-22 01:54 | 2026-04-29 11:48 | Resolved | 1 - Information C A | Credit | Eligibility | Builder is in control of HOA | Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-04/29/2026 <br> Resolved-Corrected Appraisal provided stating "No" builder is not in control - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Please see corrected appraisal and HOA letter - Due Diligence Vendor-04/29/2026 <br> Open-The Builder is in control of the HOA Per xxxxxx guidelines - HOA must be conveyed to the unit owners – no developer or builder-controlled projects allowed. Appraisal pg 24, "Is the developer/builder in control of the HOA?" - yes was checked. No exception appears to be on file regarding this conflict with guidelines. - Due Diligence Vendor-04/22/2026 |  | Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-04/29/2026 <br>Resolved-Corrected Appraisal provided stating "No" builder is not in control - Due Diligence Vendor-04/29/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.70 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 863677_xxxxxx_Appraisal_SSR_xxxxxx_4.24.pdf<br> 863677_xxxxxx_Appraisal_SSR_xxxxxx_4.24.pdf<br> 863677_xxxxxx_HOA_Letter.pdf<br> 863677_xxxxxx_Appraisal_Report_4.24.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863677 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-22 09:44 | 2026-04-28 15:14 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026 <br>Resolved- - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. See attached LOE, check. PPCD and tracking - Due Diligence Vendor-04/27/2026 <br>Open-The following charges have been increased: Credit Report resulting in a 0% tolerance cure in the amount of $50. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $50 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/22/2026 <br>Open- - Due Diligence Vendor-04/22/2026 <br>Open- - Due Diligence Vendor-04/22/2026 <br>Open- - Due Diligence Vendor-04/22/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/22/2026 <br>Open- - Due Diligence Vendor-04/22/2026 |  | Resolved-\*\*\*Received cure package - Due Diligence Vendor-04/28/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.70 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review863677_xxxxxx_4_27_2026_104719_AM.zip<br> 863677_xxxxxx_Disclosure_Tracking_-_Showing_App_Date.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863714 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 863730 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 863751 | xxxxxx | C A | Closed | xxxxxx | 2026-04-22 05:57 | 2026-04-27 11:56 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received ICD - Due Diligence Vendor-04/27/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-04/27/2026 <br>Ready for Review-Document Uploaded. Please see attached Initial CD. - Due Diligence Vendor-04/23/2026 <br>Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower<br> - Due Diligence Vendor-04/22/2026 |  | Resolved-\*\*Received ICD - Due Diligence Vendor-04/27/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.28 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.29 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 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 0.04 |  | Full Review863751_xxxxxx_4_22_2026_44034_PM.zip<br> 863751_xxxxxx_ICD_1022610146.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863765 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863823 | xxxxxx | B A | Closed | xxxxxx | 2026-05-07 03:59 | 2026-05-07 03:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted with compensating factorsAudited FICO of 636 is less than Guideline FICO of 640 636 FICO + CASH-OUT. MIN FICO IS 640 - Exception Request Report - Page #288 - Due Diligence Vendor-05/07/2026 |  | Waived-Exception granted with compensating factorsAudited FICO of 636 is less than Guideline FICO of 640 636 FICO + CASH-OUT. MIN FICO IS 640 - Exception Request Report - Page #288 - Due Diligence Vendor-05/07/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.75 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 863834 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 863857 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863862 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 863894 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-04 18:30 | 2026-05-12 07:27 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-tenant occupied appraisal update provided. - Due Diligence Vendor-05/12/2026 <br>Ready for Review-Document Uploaded. updated appraisal - Due Diligence Vendor-05/12/2026 <br>Open-The appraisal reflects the subject as owner occupied yes occupancy is Non-owner occupied. - Due Diligence Vendor-05/04/2026 |  | Resolved-tenant occupied appraisal update provided. - Due Diligence Vendor-05/12/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 863894_xxxxxx_Updated_appraisal.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863894 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-30 22:41 | 2026-05-12 07:26 | 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-05/05/2026 <br>Ready for Review-Document Uploaded. See 1004D, this was in original upload, it is in xxxxxx under property the next doc down from appraisal - Due Diligence Vendor-05/05/2026 <br>Open-Primary Value Appraisal is Expired - Due Diligence Vendor-05/01/2026 |  | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-05/05/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 863894_xxxxxx_Appraisal_recert_and_LOX.pdf<br> 863894_xxxxxx_3JH4SV7MN2OR11JN2HQ6JJWF-form_1_Appraisal_Update_and_or_completion_report-1_(1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863894 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-01 04:47 | 2026-05-05 11:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA doc provided - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. See HOA bills - Due Diligence Vendor-05/05/2026 <br> Open-Missing HOA document for the property xxxxxx " , xxxxxx<br> - Due Diligence Vendor-05/01/2026 |  | Resolved-HOA doc provided - Due Diligence Vendor-05/05/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Missing HOA document for the property xxxxxx | 863894_xxxxxx_HOA_xxxxxx.pdf<br> 863894_xxxxxx hOA_Master_Policy.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863894 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-30 23:09 | 2026-05-05 11:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/05/2026 <br>Ready for Review-Document Uploaded. See UDM - Due Diligence Vendor-05/05/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/01/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/05/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | Borrower 1 Gap Credit Report is Missing | 863894_xxxxxx_No_Score.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863898 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 863904 | xxxxxx | D A | Closed | xxxxxx | 2026-04-27 17:18 | 2026-04-30 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/30/2026 <br>Ready for Review-Document Uploaded. See gap and new credit account - Due Diligence Vendor-04/30/2026 <br>Open-Gap report has been provided. Missing Gap report. - Due Diligence Vendor-04/27/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/30/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.29 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.74% Is Below the Guideline Maximum Of 90% 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 - 5.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 863904_xxxxxx_GAP.pdf<br> 863904_xxxxxx_Updated_1008.pdf<br> 863904_xxxxxx_Lease.pdf<br> 863904_xxxxxx_Updated_1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863918 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-13 16:10 | 2026-05-14 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved- - Due Diligence Vendor-05/14/2026 <br> Ready for Review-Document Uploaded. Please see attached Income Worksheet. - Due Diligence Vendor-05/14/2026 <br> Open-The file is missing the Lender's Bank Statement Income Worksheet. - Due Diligence Vendor-05/13/2026 |  | <br> Resolved- - Due Diligence Vendor-05/14/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.83% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.74 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 156.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 863918_xxxxxx_863918_xxxxxx_ANALYSIS_(2).xlsx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863918 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-13 14:36 | 2026-05-14 16:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2026 <br>Ready for Review-Document Uploaded. Please see attached Credit Refresh report. - Due Diligence Vendor-05/14/2026 <br>Open-Borrower 1 Gap Credit Report is Missing The Gap Credit Report or Undisclosed Debt Monitoring Report is missing. Per Guidelines, only Business Purpose DSCR loans are exempt. Subject loan is a Business Purpose purchase of an investment property but it is not a DSCR loan. Since subject loan has a DTI ratio, a Gap Credit or Undisclosed Debt Monitoring Report is required. Lender to provide a Gap Credit or Undisclosed Debt Monitoring Report that was completed within 10 days prior to closing. - Due Diligence Vendor-05/13/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/14/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.83% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.74 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 156.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 863918_xxxxxx_Credit_Refresh_Report_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863918 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-14 11:24 | 2026-05-14 11:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Subject Property Lot Size Exceeds Guideline Maximum | Waived-Exception granted with compensating factorsLot size of xxxxxx acres when max is 20 acres - Due Diligence Vendor-05/14/2026 |  | Waived-Exception granted with compensating factorsLot size of xxxxxx acres when max is 20 acres - Due Diligence Vendor-05/14/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 61.83% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.74 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 156.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines.<br> Reserves exceed requirement by 2 months or more. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 863979 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863981 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863982 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863996 | xxxxxx | B A | Closed | xxxxxx | 2026-05-12 02:21 | 2026-05-13 16:09 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/13/2026 <br>Resolved- - Due Diligence Vendor-05/13/2026 <br>Ready for Review-Document Uploaded. Underwriting approval - Due Diligence Vendor-05/13/2026 <br>Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-05/12/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.76 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.62 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years |  | 863996_xxxxxx_Loan_#863996_LDL-Report_5-8-26.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864000 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864014 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 864029 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864044 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864047 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864052 | xxxxxx | D A | Closed | xxxxxx | 2026-05-01 15:40 | 2026-05-06 15:27 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-xxxxxx AVM provided - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Please see attached (no attachment provided) - Due Diligence Vendor-05/06/2026 <br> Counter-No attachment was provided - Guidelines require a Primary Valuation "and" a Secondary Valuation - 3.10.1.1 APPRAISAL REQUIREMENTS 1-4 UNIT RESIDENTIAL & 3.10.1.3 APPRAISAL REVIEW PRODUCTS 1-4 UNIT RESIDENTIAL (xxxxxx) only an AVM was located in the Loan file. - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Please see attached (no attachment provided) - Due Diligence Vendor-05/05/2026 <br> Counter-Guidelines require a Primary Valuation and a Secondary Valuation - 3.10.1.1 APPRAISAL REQUIREMENTS 1-4 UNIT RESIDENTIAL & 3.10.1.3 APPRAISAL REVIEW PRODUCTS 1-4 UNIT RESIDENTIAL (xxxxxx) only an AVM was located in the Loan file. <br> - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/04/2026 <br> Open- - Due Diligence Vendor-05/01/2026 |  | Resolved-xxxxxx AVM provided - Due Diligence Vendor-05/06/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.08 Years |  | 864052_xxxxxx_PCI_7_valuation.pdf<br> xxxxxx PCI 7 valuation (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864052 | xxxxxx | D A | Closed | xxxxxx | 2026-05-01 00:19 | 2026-05-04 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Please see worksheet - Due Diligence Vendor-05/04/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary Provide the Lender Worksheet or Bank Statement Summary supporting the 12-month bank statement calculation for xxxxxx (xxxxxx acct ending 4974), per GL; additional conditions may apply upon review. - Due Diligence Vendor-05/01/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/04/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.08 Years |  | 864052_xxxxxx_Income_and_Debt_Worksheet.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864052 | xxxxxx | D A | Closed | xxxxxx | 2026-04-30 23:33 | 2026-05-04 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Please see title - Due Diligence Vendor-05/04/2026 <br> Open-Title Document is missing Provide the title commitment for the subject property reflecting the subject loan in the amount of xxxxxx as a second lien position, including all schedules, exceptions, and endorsements, per GL; additional conditions may apply upon review. - Due Diligence Vendor-05/01/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-05/04/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.08 Years |  | 864052_xxxxxx_Title_Commitment-Preliminary_Report.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864062 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864064 | xxxxxx | D A | Closed | xxxxxx | 2026-04-17 05:41 | 2026-05-05 11:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax and HOI Policy provided - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/05/2026 <br> Open-Tax and insurance missing for primary residence, xxxxxx. - Due Diligence Vendor-04/17/2026 |  | Resolved-Tax and HOI Policy provided - Due Diligence Vendor-05/05/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 423.09 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | 864064_xxxxxx_864064_xxxxxx_Taxes.pdf<br> 864064_xxxxxx_864064_xxxxxx_Policy_Declarations.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864086 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-11 14:06 | 2026-05-18 10:48 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received ICD - Due Diligence Vendor-05/18/2026 <br>Ready for Review-Document Uploaded. - Buyer-05/18/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (CD) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/11/2026 |  | Resolved-\*\*Received ICD - Due Diligence Vendor-05/18/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.35 Years |  | xxxxxx_Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864086 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-11 02:30 | 2026-05-14 16:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/14/2026 <br>Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-05/14/2026 <br>Open-Title Document is missing - Due Diligence Vendor-05/11/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-05/14/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.35 Years |  | 864086_xxxxxx_Title_Commitment-Preliminary_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864094 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864097 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864106 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 |  |  |  |
| 864114 | xxxxxx | C A | Closed | xxxxxx | 2026-04-07 01:49 | 2026-04-13 10:35 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. Dwelling for xxxxxx - Buyer-04/10/2026 <br> Counter-Missing HOI Policy for xxxxxx (xxxxxx unit) - The File only contains the the xxxxxx for the Subject Property - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. There ae 2 policies one for xxxxxx (xxxxxx unit) and one for xxxxxx (xxxxxx units). - Due Diligence Vendor-04/09/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Hazard insurance coverage is inadequate. The current coverage amount of xxxxxx is below the minimum required coverage of $xxxxx, and a Replacement Cost Estimator was not provided. - Due Diligence Vendor-04/07/2026 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/13/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 28.43 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 864114_xxxxxx_UPDATED_HAZARD_INSURANCE_(46).pdf<br> 864114_xxxxxx_UPDATED_HAZARD_INSURANCE_(45).pdf<br> 864114_xxxxxx_EXISTING_HAZARD_INSURANCE_(54).pdf<br> UPDATED HAZARD INSURANCE (49) (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864146 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864156 | xxxxxx | B A | Closed | xxxxxx | 2026-04-29 17:00 | 2026-04-29 17:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Property or house size is outside of guidelines | Waived-Exception granted with compensating factorsSubject property sqft is less than 700. Actual is xxxxxx sqft. - Due Diligence Vendor-04/29/2026 |  | Waived-Exception granted with compensating factorsSubject property sqft is less than 700. Actual is xxxxxx sqft. - Due Diligence Vendor-04/29/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.17 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 170.17 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.75 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | DTI: < 45%<br> Credit Score: 789.<br> Reserves: 12 or more months.<br> Residual Income: greater than $5,000. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 864163 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864250 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-19 22:06 | 2026-05-22 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. Please see attached CPM condo approval. - Due Diligence Vendor-05/22/2026 <br> Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-05/20/2026 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-05/22/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.92 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.53% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | 864250_xxxxxx_CPM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864258 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-27 11:42 | 2026-05-04 16:45 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved- - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. See attached AVM - Seller-05/04/2026 <br> Open-1008/Underwriting Summary Partially Provided . Provide corrected 1008 for appraised value. Currently the 1008 reflects xxxxxx. AVM shows xxxxxx. - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. See attached AVM - Seller-05/04/2026<br>| <br> Resolved- - Due Diligence Vendor-05/04/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.37% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxxxxx_2nd AVM (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864258 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-27 06:42 | 2026-04-29 12:07 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Valid COC event detail, has been provided - Due Diligence Vendor-04/29/2026 <br>Open- - Due Diligence Vendor-04/29/2026 <br>Ready for Review-Document Uploaded. See attached COC - Due Diligence Vendor-04/28/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. The following charges have been either added or increased : Points and loan discount Fee resulting in a 0% tolerance cure in the amount of $726.88. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $726.88 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/27/2026 <br>Open- - Due Diligence Vendor-04/27/2026 <br>Open- - Due Diligence Vendor-04/27/2026 <br>Open- - Due Diligence Vendor-04/27/2026 |  | Resolved-Valid COC event detail, has been provided - Due Diligence Vendor-04/29/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.37% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | Full Review864258_xxxxxx 4_28_2026_100823_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864258 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-27 06:42 | 2026-04-29 12:07 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Valid COC event detail, has been provided - Due Diligence Vendor-04/29/2026 <br>Open- - Due Diligence Vendor-04/29/2026 <br>Ready for Review-Document Uploaded. See attached COC - Due Diligence Vendor-04/28/2026 <br>Open- - Due Diligence Vendor-04/27/2026 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $522.88.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). The following charges have been either added or increased : Points and loan discount Fee resulting in a 0% tolerance cure in the amount of $726.88. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $726.88 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/27/2026 <br>Open- - Due Diligence Vendor-04/27/2026 <br>Open- - Due Diligence Vendor-04/27/2026 |  | Resolved-Valid COC event detail, has been provided - Due Diligence Vendor-04/29/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.37% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | Full Review864258_xxxxxx_4_28_2026_100732_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864258 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-27 06:42 | 2026-04-29 12:07 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-Valid COC event detail, has been provided - Due Diligence Vendor-04/29/2026 <br>Open- - Due Diligence Vendor-04/29/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The following charges have been either added or increased : Points and loan discount Fee resulting in a 0% tolerance cure in the amount of $726.88. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $726.88 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/27/2026 <br>Open- - Due Diligence Vendor-04/27/2026 <br>Open- - Due Diligence Vendor-04/27/2026 <br>Open- - Due Diligence Vendor-04/27/2026 |  | Resolved-Valid COC event detail, has been provided - Due Diligence Vendor-04/29/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.37% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864258 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-27 17:05 | 2026-04-29 06:41 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-3rd party review provided - Due Diligence Vendor-04/29/2026 <br>Ready for Review-Document Uploaded. See attached AVM - Due Diligence Vendor-04/28/2026 <br>Open- - Due Diligence Vendor-04/27/2026 |  | Resolved-3rd party review provided - Due Diligence Vendor-04/29/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.37% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | 864258_xxxxxx_2nd_AVM.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864258 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-27 02:20 | 2026-04-28 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-04/28/2026 <br> Open-Title Document is missing . Provide title with complete chain on the subject transaction for property located at xxxxxx. Once received, loan is subject for review and possible additional conditions. - Due Diligence Vendor-04/27/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-04/28/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 739 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.37% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | 864258_xxxxxx_Title_Commitment-Preliminary_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864268 | xxxxxx | C A | Closed | xxxxxx | 2026-05-08 10:34 | 2026-05-11 09:50 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-Received PCCD - Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-05/08/2026 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxxxxx, after Final Closing Disclosure Disbursement date of xxxxxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-05/08/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-05/08/2026 | Resolved-Received PCCD - Due Diligence Vendor-05/11/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.92 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.75 Years |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864268 | xxxxxx | C A | Closed | xxxxxx | 2026-05-08 10:17 | 2026-05-11 09:50 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-05/11/2026 <br> Resolved- - Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx - Seller-05/08/2026 <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. \*\*\*\*\*\*\* Borrower executed documents on xxxxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/08/2026 <br> Open- - Due Diligence Vendor-05/08/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx - Seller-05/08/2026 | Resolved-\*\*Received PCCD - Due Diligence Vendor-05/11/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.92 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.75 Years |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864277 | xxxxxx | D A | Closed | xxxxxx | 2026-04-21 18:53 | 2026-04-23 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-xxxxxx is free and clear per property report provided. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. The property is paid in full and single property, so no EOI and HOA dues required. Please waive this condition. xxxxxx - Seller-04/22/2026 <br> Open-Provide HOI and HOA payment details for REO property xxxxxx, as this information is currently missing from the file. Additional conditions may apply upon review. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. The property is paid in full and single property, so no EOI and HOA dues required. Please waive this condition. xxxxxx - Seller-04/22/2026<br>| Resolved-xxxxxx is free and clear per property report provided. - Due Diligence Vendor-04/23/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>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 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |  | PP.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864277 | xxxxxx | D A | Closed | xxxxxx | 2026-04-21 09:30 | 2026-04-23 13:20 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-04/22/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx Provide an updated hazard insurance policy or binder effective on or before xxxxxx, as the current policy reflects an effective date of xxxxxx, which is after the disbursement date for xxxxxx (Note date xxxxxx). Coverage must be in force at or prior to funding per GL (additional conditions may apply upon review). - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx. xxxxxx - Seller-04/22/2026 | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/23/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>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 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |  | 1006_PCCD.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864277 | xxxxxx | D A | Closed | xxxxxx | 2026-04-21 17:48 | 2026-04-23 13:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-04/22/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide verification of the borrower's business existence for xxxxxx. per GL Self-Employed Confirmation of Employment requirements. Verification must be obtained from a third party (e.g., CPA, regulatory agency, or licensing bureau) within 30 days of the Note Date, or the business listing, address, and phone number must be verified via internet or directory assistance. Additional conditions may apply upon review. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-04/22/2026<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/23/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>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 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |  | 0414-CPA-Letter---Updated.pdf_2026_04_22_@10_29_13.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864281 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 864288 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864289 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-12 16:43 | 2026-05-12 16:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. xxxxxx - units have not hit presale. Currently they have xxxxxx closed and xxxxxx under contract. xxxxxx states will hit warrantable when presale is met. - Due Diligence Vendor-05/12/2026 <br> Open-Condo project does not meet guidelines. xxxxxx - units have not hit presale. Currently they have xxxxxx closed and xxxxxx under contract. xxxxxx states will hit warrantable when presale is met. - Due Diligence Vendor-05/12/2026 |  | Waived-Exception granted with compensating factorsCondo project does not meet guidelines. xxxxxx - units have not hit presale. Currently they have xxxxxx closed and xxxxxx under contract. xxxxxx states will hit warrantable when presale is met. - Due Diligence Vendor-05/12/2026 | 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1586.59 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.1% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 754 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Credit Score 10 points > minimum required<br> DTI <= 40% which is below requirement in guidelines<br> Residual income more than 1.5x the amount required by guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 864292 | xxxxxx | D A | Closed | xxxxxx | 2026-05-11 02:15 | 2026-05-13 16:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/13/2026 <br>Ready for Review-Document Uploaded. xxxxxx Team, Attached are the EOI, RCE, and invoice for HOI policy. xxxxxx! - Due Diligence Vendor-05/13/2026 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-05/11/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/13/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.01 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.86% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 864292_xxxxxx_HOI_-_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864292 | xxxxxx | D A | Closed | xxxxxx | 2026-05-11 02:40 | 2026-05-13 16:16 | Resolved | 1 - Information C A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, attached are the paystubs used for income qualification, along with the Written VOE from employer. xxxxxx! - Due Diligence Vendor-05/13/2026 <br> Open-Income 2 Months Income Verified is Missing Missing paystub of xxxxxx - Due Diligence Vendor-05/11/2026 |  | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-05/13/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.01 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.86% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 864292_xxxxxx_Income_Condition_-_Paystubs_-_xxxxxx.pdf<br> 864292_xxxxxx_Income_Condition_-_VOE_-_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864292 | xxxxxx | D A | Closed | xxxxxx | 2026-05-11 03:24 | 2026-05-13 16:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, attached are escrow receipts/wire details with LOX to clarify on the EMD deposits, xxxxxx! - Due Diligence Vendor-05/13/2026 <br> Open-Asset 1 Missing Missing bank statement for xxxxxx of amount $42,238.24. - Due Diligence Vendor-05/11/2026 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-05/13/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.01 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.86% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 864292_xxxxxx_Asset_Condition_-_EMD_-_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864292 | xxxxxx | D A | Closed | xxxxxx | 2026-05-11 11:52 | 2026-05-13 16:13 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-05/13/2026 <br>Resolved- - Due Diligence Vendor-05/13/2026 <br>Ready for Review-Document Uploaded. See bank statement - Due Diligence Vendor-05/13/2026 <br>Open-Missing the cancelled deposit check and or satisfactory money wire to the escrow company for $45,000 per the sales contract and closing docs. - Due Diligence Vendor-05/11/2026 |  | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-05/13/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.01 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.86% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 864292_xxxxxx_02.13_to_03.17.26_-_xxxxxx.pdf<br> 864292_xxxxxx_Asset_Condition_-_EMD_-_xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864323 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864351 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864360 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864363 | xxxxxx | D A | Closed | xxxxxx | 2026-04-20 14:54 | 2026-05-08 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-05/08/2026 <br>Ready for Review-Document Uploaded. Please find the Guaranty uploaded, executed as individuals! xxxxxx! - Due Diligence Vendor-05/08/2026 <br>Counter-Please provide personal guaranty. Guaranty sent is in the LLC name with borrowers as managing members. - Due Diligence Vendor-05/06/2026 <br>Ready for Review-Document Uploaded. Please find the Guaranty uploaded. xxxxxx! - Due Diligence Vendor-05/06/2026 <br>Open-Personal Guaranty is missing. - Due Diligence Vendor-04/20/2026 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-05/08/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.39 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.79 Years |  | 864363_xxxxxx_Guaranty_-_Poppe.pdf<br> 864363_xxxxxx_guaranty_agreement_corrected.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864392 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864405 | xxxxxx | D A | Closed | xxxxxx | 2026-05-19 16:24 | 2026-05-28 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/28/2026 <br>Ready for Review-Document Uploaded. Please see attached Gap Report. - Due Diligence Vendor-05/27/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/19/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/28/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.24 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 864405_xxxxxx_UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864440 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864442 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864447 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864504 | xxxxxx | B A | Closed | xxxxxx | 2026-05-08 09:34 | 2026-05-08 09:34 | Waived | 2 - Non-Material B | Credit | Eligibility | HOA questionaire does not meet guidelines | Waived-Exception granted with compensating factorsHOA documentation provided does not meet guidelines. More than 20% of the unit owners are 60 days or more delinquent on common expense assessments / actual is 22. - Due Diligence Vendor-05/08/2026 |  | Waived-Exception granted with compensating factorsHOA documentation provided does not meet guidelines. More than 20% of the unit owners are 60 days or more delinquent on common expense assessments / actual is 22. - Due Diligence Vendor-05/08/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 1773.76 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 700 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | DTI: <= 40%<br> Residual income >= $100,000<br> Reserves: >= 50 Months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 864506 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864509 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864511 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864516 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-06 02:50 | 2026-05-06 16:17 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. See CDA Low Risk - Due Diligence Vendor-05/06/2026 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3) The Collateral Underwriter (CU) score exceeds 2.5 (actual score: 3.0), and no third-party valuation product was provided. - Due Diligence Vendor-05/06/2026 |  | Resolved-Desk review provided - Due Diligence Vendor-05/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 60.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | 864516_xxxxxx_CDA_(8).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864516 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-06 03:03 | 2026-05-06 03:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsNo primary housing history, living rent-free.<br> - Due Diligence Vendor-05/06/2026 |  | Waived-Exception granted with compensating factorsNo primary housing history, living rent-free.<br> - Due Diligence Vendor-05/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 790 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 60.16 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Credit Score 30+ points > minimum required<br> 0x30 for 48 months on subject mortgage |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 864558 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864564 | xxxxxx | C A | Closed | xxxxxx | 2026-05-26 09:24 | 2026-05-29 14:57 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*\*Received Revised LE - Due Diligence Vendor-05/29/2026 <br> Resolved- - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. Final LE xxxxxx - Due Diligence Vendor-05/28/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. \*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/26/2026 <br> Open- - Due Diligence Vendor-05/26/2026 <br> Open- - Due Diligence Vendor-05/26/2026 <br> Open- - Due Diligence Vendor-05/26/2026 <br> Open- - Due Diligence Vendor-05/26/2026 |  | Resolved-\*\*\*Received Revised LE - Due Diligence Vendor-05/29/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.80 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.25 Years |  | Full Review864564_xxxxxx_5_27_2026_30609_PM.zip<br> 864564_xxxxxx_Final_LE.pdf<br> 864564_xxxxxx_Final_LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864588 | xxxxxx | D B C A | Closed | xxxxxx | 2026-05-08 13:53 | 2026-05-13 15:14 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-05/13/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-05/13/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-05/13/2026 <br>Ready for Review-Document Uploaded. CD - Due Diligence Vendor-05/12/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Homeownership Counseling Disclosure, Locked TRID disclosure is missing Revised Loan Estimate and Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/08/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br> - Due Diligence Vendor-05/08/2026 |  | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-05/13/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.46% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.01 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.34 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  | Full Review864588_xxxxxx_5_12_2026_104059_AM.zip<br> 864588_xxxxxx_Locked_LE_&_CIC.pdf<br> 864588_xxxxxx_Initial_LE.pdf<br> 864588_xxxxxx_Initial_CD.pdf<br> 864588_xxxxxx_Locked_LE_&_CIC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864588 | xxxxxx | D B C A | Closed | xxxxxx | 2026-05-08 17:50 | 2026-05-13 15:12 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-05/13/2026 <br> Resolved- - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. Rate Lock Disclosure - Due Diligence Vendor-05/12/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Homeownership Counseling Disclosure, Locked TRID disclosure is missing Revised Loan Estimate and Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/08/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. - Due Diligence Vendor-05/08/2026 |  | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-05/13/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.46% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.01 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.34 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  | Full Review864588_xxxxxx_5_12_2026_104005_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864588 | xxxxxx | D B C A | Closed | xxxxxx | 2026-05-08 13:51 | 2026-05-13 15:10 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/13/2026 <br>Resolved- - Due Diligence Vendor-05/13/2026 <br>Ready for Review-Document Uploaded. Homeownership Counseling Disclosure - Due Diligence Vendor-05/12/2026 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*Documentation provided does not contain the Homeownership Counseling Disclosure, Locked TRID disclosure is missing Revised Loan Estimate and Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. xxxxxx - Due Diligence Vendor-05/08/2026 | \*\*Received disclosure - 05/13/2026 <br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/13/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.46% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.01 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.34 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  | Full Review864588_xxxxxx_5_12_2026_103412_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864588 | xxxxxx | D B C A | Closed | xxxxxx | 2026-05-08 04:48 | 2026-05-11 21:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/12/2026 <br>Ready for Review-Document Uploaded. Income Worksheet - Due Diligence Vendor-05/11/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary Provide lender income work sheet for verify the non-business deposits from the Business bank statement. - Due Diligence Vendor-05/08/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/12/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.46% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.01 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.34 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  | 864588_xxxxxx_864588_xxxxxx_ANALYSIS.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864588 | xxxxxx | D B C A | Closed | xxxxxx | 2026-05-08 04:55 | 2026-05-08 04:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factorsWaive 12 month housing history for investment property at xxxxxx. - Due Diligence Vendor-05/08/2026 |  | Waived-Exception granted with compensating factorsWaive 12 month housing history for investment property at xxxxxx. - Due Diligence Vendor-05/08/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.46% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.01 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.34 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 | - HousiHisto325661-1 - Current primary home ownership > 10 years.<br> - HousiHisto325661-2 - DTI <= 36% which is below requirement in guidelines.<br> - HousiHisto325661-3 - Reserves exceed requirement by 10 months or more. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 864603 | xxxxxx | D A | Closed | xxxxxx | 2026-05-04 11:19 | 2026-05-14 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-updated - Due Diligence Vendor-05/14/2026 <br> Ready for Review-Document Uploaded. See taxes - Due Diligence Vendor-05/13/2026 <br> Counter-Still awaiting proof of tax cost for the property located at xxxxxx - Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. See HOA letter - Due Diligence Vendor-05/11/2026 <br> Open-. Provide taxes and HOA fee, if applicable, for rental property located at xxxxxx to ensure accurate rental income/loss. At the time of review a only a payoff showing P&I and the HOI was provided. - Due Diligence Vendor-05/04/2026 |  | Resolved-updated - Due Diligence Vendor-05/14/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.32 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.16 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.95 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.39 Years |  | 864603_xxxxxx_101260313189_xxxxxx_HOA_LOE.pdf<br> 864603_xxxxxx_101260313189_xxxxxx_TAXES.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 864608 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864649 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 864658 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 864660 | xxxxxx | C A | Closed | xxxxxx | 2026-04-24 11:34 | 2026-04-27 12:46 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Deed provided - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. Please see attached Deed. - Due Diligence Vendor-04/27/2026 <br> Open-Property Title Issue , missing evidence of Deed removing xxxxxx from title. - Due Diligence Vendor-04/24/2026 |  | Resolved-Deed provided - Due Diligence Vendor-04/27/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 678 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 864660_xxxxxx_Deed.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864663 | xxxxxx | D A | Closed | xxxxxx | 2026-05-06 09:04 | 2026-05-12 09:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. - Buyer-05/11/2026 <br> Counter-Received xxxxxx COGS but also needed xxxxxx and xxxxxx - Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. - Buyer-05/08/2026 <br> Counter-COGS not found, please resend - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Is the 2025 taxes & Certificate of Good Standin date xxxxxx not sufficient? What else can be provided, if not? - Buyer-05/07/2026 <br> Ready for Review-Is the 2025 taxes & Certificate of Good Standin date xxxxxx not sufficient? What else can be provided, if not? - Buyer-05/06/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/06/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/12/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Missing verification of business being active for xxxxxx | LLC - xxxxxx - Cert of good standing.pdf<br> xxxxxx.pdf<br> xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864688 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864705 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864706 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864708 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864723 | xxxxxx | C B A | Closed | xxxxxx | 2026-06-10 22:59 | 2026-06-10 23:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsException granted to allow ineligible subject property type - xxxxxx; Appraisal confirms subject as xxxxxx xxxxxx on xxxxxx acres > 75% xxxxxx, is not a working farm nor income producing and provides comps < 3 xxxxxx miles from the subject - Due Diligence Vendor-06/11/2026 <br> Open-Subject property is ineligible per guidelines as a xxxxxx. - Due Diligence Vendor-06/11/2026 |  | Waived-Exception granted with compensating factorsException granted to allow ineligible subject property type - xxxxxx; Appraisal confirms subject as xxxxxx xxxxxx on xxxxxx acres > 75% xxxxxx, is not a working farm nor income producing and provides comps < 3 xxxxxx miles from the subject - Due Diligence Vendor-06/11/2026 | 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 14.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 20.83 Years<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 1221.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<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 36.05% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | Property xxxxxx LTV/CLTV LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Property xxxxxx Home Ownership Current primary home ownership > 10 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 864723 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-29 09:22 | 2026-05-01 13:23 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/01/2026 <br>Ready for Review-Document Uploaded. Final UW approval - Due Diligence Vendor-05/01/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/29/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/01/2026<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 14.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 20.83 Years<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 1221.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<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 36.05% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | 864723_xxxxxx_864723_xxxxxx_FINAL_Notice_of_Loan_Approval_xxxxxx_updated.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864783 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-04 09:32 | 2026-05-07 14:40 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. initial CD. - Due Diligence Vendor-05/06/2026 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-05/04/2026 |  | Resolved-ICD received, data entered, no additional compliance findings. xxxxxx - Due Diligence Vendor-05/07/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.43% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |  | Full Review864783_xxxxxx_5_6_2026_113732_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864783 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-04 06:11 | 2026-05-06 16:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. Please see title - Due Diligence Vendor-05/06/2026 <br> Open-Title Document is missing. Provide title document for Subject property with complete chain. Subject to review and possible additional conditions. - Due Diligence Vendor-05/04/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-05/06/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.43% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |  | 864783_xxxxxx_Title_Commitment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864785 | xxxxxx | C A | Closed | xxxxxx | 2026-04-28 11:52 | 2026-04-30 10:23 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-04/30/2026 <br> Resolved- - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx, xxxxxx - Seller-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <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's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date - Due Diligence Vendor-04/28/2026 <br> Open- - Due Diligence Vendor-04/28/2026 <br> Open- - Due Diligence Vendor-04/28/2026 <br> Open- - Due Diligence Vendor-04/28/2026 <br> Open- - Due Diligence Vendor-04/28/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached the Post Consummation CD and Final SS showing the loan disbursement on xxxxxx, xxxxxx - Seller-04/29/2026 | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-04/30/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.22 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.48 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - VALIDATED Borrower At Current Residence For Five (5) Or More Years - 11.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - VALIDATED Calculated DTI Of 32.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - VALIDATED Original LTV Of 70% 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 - VALIDATED Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864785 | xxxxxx | C A | Closed | xxxxxx | 2026-04-29 14:08 | 2026-04-30 10:06 | Resolved | 1 - Information C A | Compliance | TILA | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of Rescission Form \*\*\*received - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-04/29/2026 <br> Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form \*\*\*\*\*\*\*The Notice of Right to Cancel, executed by xxxxxx, has not been provided. - Due Diligence Vendor-04/29/2026 <br> Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form Non-Borrower Title Holder Did Not Receive Right of Rescission Form - Due Diligence Vendor-04/29/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-04/29/2026<br>| Resolved-Non-Borrower Title Holder Received Right of Rescission Form \*\*\*received - Due Diligence Vendor-04/30/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.22 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.48 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - VALIDATED Borrower At Current Residence For Five (5) Or More Years - 11.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - VALIDATED Calculated DTI Of 32.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - VALIDATED Original LTV Of 70% 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 - VALIDATED Qualifying FICO Of 805 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxxxxx_NOTRC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864786 | xxxxxx | C A | Closed | xxxxxx | 2026-05-05 10:25 | 2026-05-07 08:09 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-05/07/2026 <br> Resolved- - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see the attached Post Consummation Closing Disclosure and final settlement statement showing the loan has been disbursed on xxxxxx. - Seller-05/05/2026 <br> Open- - Due Diligence Vendor-05/05/2026 <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. \*\*\*\*\*\*\*Borrower executed documents on xxxxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/05/2026 <br> Open- - Due Diligence Vendor-05/05/2026 <br> Open- - Due Diligence Vendor-05/05/2026 <br> Open- - Due Diligence Vendor-05/05/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see the attached Post Consummation Closing Disclosure and final settlement statement showing the loan has been disbursed on xxxxxx. - Seller-05/05/2026 | Resolved-\*\*Received PCCD - Due Diligence Vendor-05/07/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 813 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.44 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864793 | xxxxxx | D A B | Closed | xxxxxx | 2026-05-18 02:38 | 2026-05-22 15:36 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-\*\*\*Received SSPL - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. 5/20/26 - please see service provider list - Due Diligence Vendor-05/21/2026 <br> Open-Service Provider List Document is Missing. - Due Diligence Vendor-05/18/2026 |  | Resolved-\*\*\*Received SSPL - Due Diligence Vendor-05/22/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.92 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review864793_xxxxxx_5_20_2026_30953_PM.zip<br> 864793_xxxxxx_service_provider_list.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 864793 | xxxxxx | D A B | Closed | xxxxxx | 2026-05-18 11:56 | 2026-05-22 07:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/22/2026 <br>Ready for Review-Document Uploaded. 5/20/26 - please see service provider list - Due Diligence Vendor-05/21/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary The file is missing the Lender's Bank Statement Income Worksheet. Lender to provide Bank Statement Income Worksheet completed at origination. - Due Diligence Vendor-05/18/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/22/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.92 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.07 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.91 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review864793_xxxxxx_5_20_2026_31921_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 864805 | xxxxxx | B A | Closed | xxxxxx | 2026-05-15 15:35 | 2026-05-15 15:35 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Verification of Rent | Waived-Exception granted with compensating factorsBuying from landlord, pays rent in cash (does not have 12 months cancelled checks). - Due Diligence Vendor-05/15/2026 |  | Waived-Exception granted with compensating factorsBuying from landlord, pays rent in cash (does not have 12 months cancelled checks). - Due Diligence Vendor-05/15/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.45 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines.<br> Credit Score 30+ points > minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 864809 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864812 | xxxxxx | B A | Closed | xxxxxx | 2026-04-02 15:29 | 2026-04-02 15:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted with compensating factorsAudited FICO of 653 is less than Guideline FICO of 660. - Due Diligence Vendor-04/02/2026 |  | Waived-Exception granted with compensating factorsAudited FICO of 653 is less than Guideline FICO of 660. - Due Diligence Vendor-04/02/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More Original LTV Of 50% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 72.94 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | - PITIA reserves above min by 6 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 864814 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864815 | xxxxxx | D A | Closed | xxxxxx | 2026-03-12 15:58 | 2026-03-17 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved- - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Properties xxxxxx and xxxxxx are commercial/industrial. (attached profiles)<br> Property xxxxxx is recently acquired xxxxxx and has a first payment date xxxxxx (attached note) - Seller-03/16/2026 <br> Open-Missing Verification of 3 mortgages listed on final 1003 for the following properties and not on credit report. xxxxxx and xxxxxx. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Properties xxxxxx and xxxxxx are commercial/industrial. (attached profiles)<br> Property xxxxxx is recently acquired xxxxxx and has a first payment date xxxxxx (attached note) - Seller-03/16/2026 | <br> Resolved- - Due Diligence Vendor-03/17/2026 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.35 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.41 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | REO - PROPERTY PROFILE (11).pdf<br>REO - PROPERTY PROFILE (2) (1).pdf<br>REO - PROPERTY PROFILE (1) (1).pdf<br>REO - MORTGAGE STATEMENT (22).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864817 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864818 | xxxxxx | B A | Closed | xxxxxx | 2026-03-19 13:15 | 2026-03-19 13:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsAudited LTV of 66.72% exceeds Guideline LTV of 65% Lender exception (page 233) for max 70% for loan amount < $150M. - Due Diligence Vendor-03/19/2026 |  | Waived-Exception granted with compensating factorsAudited LTV of 66.72% exceeds Guideline LTV of 65% Lender exception (page 233) for max 70% for loan amount < $150M. - Due Diligence Vendor-03/19/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 37.24 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points | FICO 20+ points<br> PITIA reserves above min by 6 months<br> DSCR > 1 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 864819 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-14 12:49 | 2026-04-14 12:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Exception granted with compensating factors Borrower living rent free and transaction is investment. - Due Diligence Vendor-04/14/2026 <br>Open- - Due Diligence Vendor-04/14/2026 |  | Waived-Exception granted with compensating factors Borrower living rent free and transaction is investment. - Due Diligence Vendor-04/14/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.8% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 143.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | FICO 20+ points<br> DTI 5% below max<br> PITIA reserves above min by 6 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 864819 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-13 15:10 | 2026-04-14 10:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Note, First payment Letter (Not Escrowed) Taxes and HOI Policy provided - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. We funded this loan in xxxxxx. Attached is note and payment letter in lieu of xxxxxx . Tax calculated at purchase price x 1.070 (tax rate) - Seller-04/13/2026 <br> Open-<br> xxxxxx - Mortgage Statement Missing<br>- Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. We funded this loan in xxxxxx. Attached is note and payment letter in lieu of xxxxxx . Tax calculated at purchase price x 1.070 (tax rate) - Seller-04/13/2026 | Resolved-Note, First payment Letter (Not Escrowed) Taxes and HOI Policy provided - Due Diligence Vendor-04/14/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.8% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 143.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | NOTE (8).pdf<br>FIRST PAYMENT LETTER (4).pdf<br>TAX STATEMENT_BILL - SUBJECT (18).pdf<br>UPDATED HAZARD INSURANCE (50).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864819 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-13 11:40 | 2026-04-14 10:47 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. Final CS - DD xxxxxx - Seller-04/13/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. Final CS - DD xxxxxx - Seller-04/13/2026 | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/14/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.8% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 143.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | FINAL SETTLEMENT SHEET HUD-1 (58).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864819 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-13 11:40 | 2026-04-14 10:47 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxx - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026<br>| Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/14/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.8% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 143.55 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | HOI - COST ESTIMATOR (14).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864820 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864821 | xxxxxx | B A | Closed | xxxxxx | 2026-03-16 08:04 | 2026-03-16 17:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsLTV > 70% for vacant property on DSCR. - Due Diligence Vendor-03/16/2026 |  | Waived-Exception granted with compensating factorsLTV > 70% for vacant property on DSCR. - Due Diligence Vendor-03/16/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 114.4 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 5.25 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points | FICO 20+ points <br> PITIA reserves above min by 6 months <br> DSCR > 1.00 (DSCR Only) |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 864822 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864823 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864824 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864825 | xxxxxx | D A | Closed | xxxxxx | 2026-04-02 12:08 | 2026-04-03 11:25 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Field review provided. - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Document Uploaded. field review - Seller-04/02/2026 <br>Open- - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. field review - Seller-04/02/2026<br>| Resolved-Field review provided. - Due Diligence Vendor-04/03/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.64 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.70 Years |  | APPRAISAL REVIEW (24).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864827 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-30 04:39 | 2026-04-01 12:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with compensating factorsSubject property location is classified as, xxxxxx. - Due Diligence Vendor-04/01/2026 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception Granted for Rural Property - Page 317. - Due Diligence Vendor-03/30/2026 |  | Waived-Exception granted with compensating factorsSubject property location is classified as, xxxxxx. - Due Diligence Vendor-04/01/2026 | 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 0.22<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<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More | FICO 20+ points.<br> DTI 5% below max |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 864828 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864829 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864830 | xxxxxx | D A | Closed | xxxxxx | 2026-03-13 10:43 | 2026-03-13 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/13/2026 <br>Ready for Review-Document Uploaded. - Seller-03/13/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - validated Qualifying FICO Of 748 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 40.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.18 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 51.71 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - validated Original LTV Of 70% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More | Missing Lender Worksheet or Bank Statement Summary. Guidelines required lender income worksheet when using xxxxxx. Could not find in file. | UW Income Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864831 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864834 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864835 | xxxxxx | C A | Closed | xxxxxx | 2026-04-13 16:16 | 2026-04-14 13:24 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/14/2026 <br> Ready for Review-xxxxxx does not for RCE - Seller-04/14/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxx- Due Diligence Vendor-04/13/2026 | Ready for Review-xxxxxx does not for RCE - Seller-04/14/2026 | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 226.33 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864836 | xxxxxx | D A | Closed | xxxxxx | 2026-03-23 11:49 | 2026-04-20 15:25 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-PUD rider provided - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Document Uploaded. - Seller-04/17/2026 <br>Open-PUD Rider is Missing - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. - Seller-04/17/2026<br>| Resolved-PUD rider provided - Due Diligence Vendor-04/20/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.12 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.13 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | scans@xxxxxx.com_20260417_160313.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864837 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864838 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864839 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864843 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864844 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864845 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 864846 | xxxxxx | B A | Closed | xxxxxx | 2026-03-30 17:27 | 2026-03-31 14:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program Rural - Due Diligence Vendor-03/31/2026 |  | Waived-Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program Rural - Due Diligence Vendor-03/31/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 14.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 32.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years | DTI 5% below max<br> PITIA reserves above min by 6 months<br> 5+ years on job<br> 5+ years business ownership |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 864847 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-26 01:56 | 2026-03-31 11:19 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-03/31/2026 <br> Ready for Review-xxxxxx - RCE is not allowed - Seller-03/30/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxx - Due Diligence Vendor-03/26/2026 | Ready for Review-xxxxxx - RCE is not allowed - Seller-03/30/2026 | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-03/31/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.22 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864847 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-27 09:58 | 2026-03-27 09:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception granted with compensating factorsAudited CLTV of 74.41% exceeds Guideline CLTV of 70% pg 250 - exception in file for Max LTV not to exceed 70% - Due Diligence Vendor-03/27/2026 |  | Waived-Exception granted with compensating factorsAudited CLTV of 74.41% exceeds Guideline CLTV of 70% pg 250 - exception in file for Max LTV not to exceed 70% - Due Diligence Vendor-03/27/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.22 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 864847 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-27 09:58 | 2026-03-27 09:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsAudited LTV of 74.41% exceeds Guideline LTV of 70% pg 250 - exception in file for Max LTV not to exceed 70% - Due Diligence Vendor-03/27/2026 |  | Waived-Exception granted with compensating factorsAudited LTV of 74.41% exceeds Guideline LTV of 70% pg 250 - exception in file for Max LTV not to exceed 70% - Due Diligence Vendor-03/27/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.22 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 864847 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-27 09:58 | 2026-03-27 09:58 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Exception granted with compensating factorsAudited HCLTV of 74.41% exceeds Guideline HCLTV of 70% pg 250 - exception in file for Max LTV not to exceed 70% - Due Diligence Vendor-03/27/2026 |  | Waived-Exception granted with compensating factorsAudited HCLTV of 74.41% exceeds Guideline HCLTV of 70% pg 250 - exception in file for Max LTV not to exceed 70% - Due Diligence Vendor-03/27/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.22 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 864848 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864851 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 864852 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 864856 | xxxxxx | C A | Closed | xxxxxx | 2026-02-26 16:42 | 2026-03-11 15:51 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. - Seller-03/11/2026 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-03/11/2026<br>| Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-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 - Credit Line Usage Ratio equals 0.04<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.99 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 811 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864857 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864867 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-12 15:24 | 2026-05-21 05:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-docs uploaded - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. Please see HELOC docs - Due Diligence Vendor-05/20/2026 <br> Open-Missing New Mortgage statement for xxxxxx for xxxxxx - Due Diligence Vendor-05/12/2026 |  | Resolved-docs uploaded - Due Diligence Vendor-05/21/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.19 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | Full Review864867_xxxxxx_5_19_2026_33422_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864867 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-12 13:39 | 2026-05-15 11:00 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*\*Received revised LE - Due Diligence Vendor-05/15/2026 <br> Resolved- - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. LE xxxxxx Disclosure pkg - Due Diligence Vendor-05/14/2026 <br> Open-\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable),A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings<br>- Due Diligence Vendor-05/13/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx, xxxxxx and xxxxxx. - Due Diligence Vendor-05/12/2026 <br> Open- - Due Diligence Vendor-05/13/2026 <br> Open- - Due Diligence Vendor-05/13/2026 <br> Open- - Due Diligence Vendor-05/12/2026 <br> Open- - Due Diligence Vendor-05/12/2026 |  | Resolved-\*\*\*Received revised LE - Due Diligence Vendor-05/15/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.19 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | Full Review864867_xxxxxx_5_14_2026_21254_PM.zip<br> 864867_xxxxxx_LE_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864876 | xxxxxx | C A | Closed | xxxxxx | 2026-05-03 23:19 | 2026-05-06 08:38 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-PCCD provided and resolved disbursement xxxxxx - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team,<br>Please see attached the Post Consummation Closing Disclosure and Final Settlement Statement showing the disbursement date on xxxxxx. <br>xxxxxx - Seller-05/05/2026 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. xxxxxx Team,<br>Please see attached the Post Consummation Closing Disclosure and Final Settlement Statement showing the disbursement date on xxxxxx. <br>xxxxxx - Seller-05/05/2026 | Resolved-PCCD provided and resolved disbursement xxxxxx - Due Diligence Vendor-05/06/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864884 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864905 | xxxxxx | D A | Closed | xxxxxx | 2026-04-30 04:08 | 2026-05-04 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/04/2026 <br>Ready for Review-Document Uploaded. Please see title - Due Diligence Vendor-05/04/2026 <br>Open-Title Document is missing - Due Diligence Vendor-04/30/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-05/04/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 803 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 32.19% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.25 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  | 864905_xxxxxx_Title_Commitment-Preliminary_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864917 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 864984 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-07 08:05 | 2026-06-02 15:15 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-06/02/2026 <br> Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-05/15/2026 <br> Resolved- - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. Please see attached CD / LE. - Due Diligence Vendor-05/15/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $600.00.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). \*\*\*\*\*\* The following charges have been either added or increased: Points and discount fee resulting in a 0% tolerance cure in the amount of $600. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $600 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/07/2026 <br> Open- - Due Diligence Vendor-05/07/2026 |  | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-06/02/2026 <br>Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-05/15/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years |  | Full Review864984_xxxxxx_5_15_2026_104126_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864984 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-11 10:37 | 2026-06-02 15:15 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-LOE provided is sufficient to support the change of circumstance/relock event - Due Diligence Vendor-06/02/2026 <br> Counter-Document Uploaded. Document Uploaded. Please see attached Canopy finding clarification LOE: The explanation that the xxxxxx LE was "accidentally generated internally" is not sufficient to remove it from the disclosure timeline when the file contains borrower acknowledgment and delivery timestamps. Regardless of intent, the document exists in the file as a borrower-acknowledged Locked Loan Estimate with more favorable terms and a disclosed expiration date of xxxxxx. - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. The loan originally originated on xxxxxx. The file was initially submitted to another lender, xxxxxx, where the loan was locked on xxxxxx and disclosures were issued the same day. The file was subsequently withdrawn from xxxxxx and rerouted to xxxxxx for approval. The loan was then officially locked with xxxxxx on xxxxxx, and a new locked LE was issued accordingly on that date. Please note the LE dated xxxxxx was not a valid disclosure package. Those documents were accidentally generated internally while attempting to preview the LE and should not be considered active or valid disclosures for the loan file. Accordingly, the correct xxxxxx rate lock date is xxxxxx - Buyer-05/20/2026 <br> Counter-\*\*\*\*\*\*\*\*\*\*\*\*\*While the LOE indicates the xxxxxx Loan Estimate was not intended as part of the official disclosure timeline, the document includes borrower acknowledgment and therefore cannot be excluded from consideration. The initial locked Loan Estimate dated xxxxxx reflects more favorable terms and costs and carried an expiration date of xxxxxx. Based on the documentation provided, there is no valid Change of Circumstance or other permissible trigger supporting cancellation of that locked LE prior to its expiration, nor is there sufficient documentation supporting relocking on xxxxxx under less favorable terms. Accordingly, clarification and supporting evidence are required to substantiate the relock and pricing change between the xxxxxx and xxxxxx disclosures. - Due Diligence Vendor-05/20/2026 <br> Ready for Review-Document Uploaded. LOE for disclosures - Buyer-05/19/2026 <br> Counter-\*\*Received explanation advising the rate was first locked on xxxxxx not on xxxxxx. However, the original file contains a COC dated xxxxxx advising loan was locked, document contains an electronic stamp. Additionally, the LE issued xxxxxx, provided as part of the missing documents, page 1 indicates the rate was locked through xxxxxx. Lender to provide additional clarification and confirmation of the correct initial rate lock date. - Due Diligence Vendor-05/19/2026 <br> Ready for Review-Document Uploaded. This loan was locked with xxxxxx on xxxxxx. Locked LE went out the same day on xxxxxx. See xxxxxx lock and locked LE attached (there was no lock or locked LE on xxxxxx) - Due Diligence Vendor-05/18/2026 <br> Counter-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. \*\*\*document in the file indicates the initial rate was locked on xxxxxx. We are still missing a revised LE issued within 3 business days after the rate lock date. - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. Please see attached LE. - Due Diligence Vendor-05/15/2026 <br> Open-\*\*\*\*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/11/2026 |  | Resolved-LOE provided is sufficient to support the change of circumstance/relock event - Due Diligence Vendor-06/02/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years |  | Full Review864984_xxxxxx_5_15_2026_103900_AM.zip<br> 864984_xxxxxx_loan_estimates.pdf<br> Full Review864984_xxxxxx_5_18_2026_83119_AM.zip<br> 8LQPXILTB4TCZOF0IEMZ02MQ-form_1_The Work #-1.pdf<br> LOE ADDITIONAL DISCLOSURES.pdf<br> 864984 canopy rebuttal LOE xxxxxx.docx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864984 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-11 10:39 | 2026-06-02 15:15 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-06/02/2026 <br> Resolved- - Due Diligence Vendor-05/15/2026 <br> Resolved- - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. Please see attached CD / LE. - Due Diligence Vendor-05/15/2026 <br> Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i))The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). \*\*\*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/11/2026 <br> Open- - Due Diligence Vendor-05/11/2026 |  | Resolved-\*\*\*Received missing disclosures - Due Diligence Vendor-06/02/2026 <br>Resolved- - Due Diligence Vendor-05/15/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years |  | Full Review864984_xxxxxx_5_15_2026_104324_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864984 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-07 08:03 | 2026-06-02 15:14 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. Lock xxxxxx was canceled and relocked xxxxxx. Documentation supporting subsequent Change of Circumstance has been provided - Due Diligence Vendor-06/02/2026 <br> Resolved-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. - Due Diligence Vendor-06/02/2026 <br> Open- - Due Diligence Vendor-06/02/2026 <br> Ready for Review-Document Uploaded. Please see attached LP Cert. - Due Diligence Vendor-06/01/2026 <br> Counter-Document Uploaded. Please see attached Canopy finding clarification LOE: The explanation that the xxxxxx LE was "accidentally generated internally" is not sufficient to remove it from the disclosure timeline when the file contains borrower acknowledgment and delivery timestamps. Regardless of intent, the document exists in the file as a borrower-acknowledged Locked Loan Estimate with more favorable terms and a disclosed expiration date of xxxxxx. - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. - Seller-05/20/2026 <br> Ready for Review-The loan originally originated on xxxxxx. The file was initially submitted to another lender, xxxxxx, where the loan was locked on xxxxxx and disclosures were issued the same day. The file was subsequently withdrawn from xxxxxx and rerouted to xxxxxx for approval. The loan was then officially locked with xxxxxx on xxxxxx, and a new locked LE was issued accordingly on that date. Please note the LE dated xxxxxx was not a valid disclosure package. Those documents were accidentally generated internally while attempting to preview the LE and should not be considered active or valid disclosures for the loan file. Accordingly, the correct xxxxxx rate lock date is xxxxxx. - Buyer-05/20/2026 <br> Counter-\*\*\*\*\*\*\*\*\*\*\*\*\*While the LOE indicates the xxxxxx Loan Estimate was not intended as part of the official disclosure timeline, the document includes borrower acknowledgment and therefore cannot be excluded from consideration. The initial locked Loan Estimate dated xxxxxx reflects more favorable terms and costs and carried an expiration date of xxxxxx. Based on the documentation provided, there is no valid Change of Circumstance or other permissible trigger supporting cancellation of that locked LE prior to its expiration, nor is there sufficient documentation supporting relocking on xxxxxx under less favorable terms. Accordingly, clarification and supporting evidence are required to substantiate the relock and pricing change between the xxxxxx and xxxxxx disclosures. - Due Diligence Vendor-05/20/2026 <br> Ready for Review-Document Uploaded. LOE for Disclosures - Buyer-05/19/2026 <br> Counter-\*\*Received explanation advising the rate was first locked on xxxxxx not on xxxxxx. However, the original file contains a COC dated xxxxxx advising loan was locked, document contains an electronic stamp. Additionally, the LE issued xxxxxx, provided as part of the missing documents, page 1 indicates the rate was locked through xxxxxx. Lender to provide additional clarification and confirmation of the correct initial rate lock date. - Due Diligence Vendor-05/19/2026 <br> Counter-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. \*\*\*document in the file indicates the initial rate was locked on xxxxxx, we are still missing a revised LE issued within 3 business days after the rate lock date. - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. This loan was locked with xxxxxx on xxxxxx. Locked LE went out the same day on xxxxxx. See xxxxxx lock and locked LE attached (there was no lock or locked LE on xxxxxx) - Due Diligence Vendor-05/18/2026 <br> Counter-\*\*\*document in the file indicates the initial rate was locked on xxxxxx. We are still missing a revised LE issued within 3 business days after the rate lock date. - Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. Please see attached CD / LE. - Due Diligence Vendor-05/15/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. - Due Diligence Vendor-05/07/2026 <br> Open- - Due Diligence Vendor-05/07/2026 <br> Open- - Due Diligence Vendor-05/07/2026 | Ready for Review-Document Uploaded. - Seller-05/20/2026<br>| Resolved-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. Lock xxxxxx was canceled and relocked xxxxxx. Documentation supporting subsequent Change of Circumstance has been provided - Due Diligence Vendor-06/02/2026 <br> Resolved-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. - Due Diligence Vendor-06/02/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years |  | Full Review864984_xxxxxx_5_15_2026_103943_AM.zip<br> 864984_xxxxxx_loan_estimates.pdf<br> 864984_xxxxxx_Initial_CD.pdf<br> Full Review864984_xxxxxx_5_18_2026_83119_AM.zip<br> LOE ADDITIONAL DISCLOSURES (1).pdf<br> LOE ADDITIONAL DISCLOSURES.pdf<br> 864984 canopy rebuttal LOE xxxxxx.docx<br> Full Review864984_xxxxxx_6_1_2026_23202_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864984 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-21 18:03 | 2026-06-02 15:14 | Resolved | 1 - Information D A | Compliance | Disclosures (Federal, State, and Data Dependent) | xxxxxx Notice Concerning Extensions of Credit | Resolved-\*\*\*Received disclosure - Due Diligence Vendor-06/02/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Cashout 12 Day Letter. - Due Diligence Vendor-05/27/2026 <br> Open-\*50(a)6 Notice of Extension of Credit executed by Borrower(s) and/or Nonborrowing Spouse(s), proof of delivery not less than 12 days prior to consummation, has not been provided. - Due Diligence Vendor-05/21/2026 |  | Resolved-\*\*\*Received disclosure - Due Diligence Vendor-06/02/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years |  | Full Review864984_xxxxxx_5_26_2026_53011_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864984 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-07 06:16 | 2026-06-02 15:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception granted with compensating factorsClient provided guideline exception based on comp factors provided. - Due Diligence Vendor-06/02/2026 <br>Waived-Exception granted with compensating factorsAudited CLTV of 80% exceeds Guideline CLTV of 75% LTV at 80% when max is 75%<br> Escrow Waiver Fico 680, Min 720. - Due Diligence Vendor-05/07/2026 |  | Waived-Exception granted with compensating factorsClient provided guideline exception based on comp factors provided. - Due Diligence Vendor-06/02/2026 <br>Waived-Exception granted with compensating factorsAudited CLTV of 80% exceeds Guideline CLTV of 75% LTV at 80% when max is 75%<br> Escrow Waiver Fico 680, Min 720. - Due Diligence Vendor-05/07/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years | Subject property home ownership > 5 years<br> Total debt payment reduced more than $1,000 per month |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 864984 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-07 06:16 | 2026-06-02 15:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factorsClient provided guideline exception based on comp factors provided. - Due Diligence Vendor-06/02/2026 <br>Waived-Exception granted with compensating factorsAudited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-05/07/2026 |  | Waived-Exception granted with compensating factorsClient provided guideline exception based on comp factors provided. - Due Diligence Vendor-06/02/2026 <br>Waived-Exception granted with compensating factorsAudited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-05/07/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.50 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years | Subject property home ownership > 5 years<br> Total debt payment reduced more than $1,000 per month |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 864987 | xxxxxx | D A | Closed | xxxxxx | 2026-05-20 14:42 | 2026-05-26 13:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/26/2026 <br>Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/26/2026 <br>Open-Borrower 1 Gap Credit Report is Missing, per Section 2.6.2, required no more thn 30-days prior to loan closing. - Due Diligence Vendor-05/20/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/26/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.92 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.91 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 127.32 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 769 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 864987_xxxxxx_Credit_Refresh_#xxxxxx_4.23.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865161 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865164 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-27 12:54 | 2026-05-27 12:58 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Credit | Missing Payment History | Waived-Exception granted with compensating factorsException granted with compensating factors to exclude mortgage payment from xxxxxx paid by daughter that is not fully documented per guideline requirement. - Due Diligence Vendor-05/27/2026 <br> Open-In order to exclude debts from the borrower's DTI ratio, must obtain the most recent 12-months canceled checks (or bank statements) from the other party making the payments that document a 12-month <br> payment history. - Due Diligence Vendor-05/27/2026 |  | Waived-Exception granted with compensating factorsException granted with compensating factors to exclude mortgage payment from xxxxxx paid by daughter that is not fully documented per guideline requirement. - Due Diligence Vendor-05/27/2026 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.25 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.37 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 38.28% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 865166 | xxxxxx | D A | Closed | xxxxxx | 2026-05-20 19:42 | 2026-06-03 16:36 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Acceptable secondary valuation provided - Due Diligence Vendor-06/03/2026 <br> Ready for Review-Document Uploaded. - Buyer-05/27/2026 <br> Counter-Document Uploaded. The ClearAVM provided provided does not meet minimum required FSD score. Missing viable secondary appraisal review product. - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/21/2026 <br> Open-Missing viable secondary appraisal review product. AVM provided does not meet minimum required FSD score. - Due Diligence Vendor-05/20/2026 |  | Resolved-Acceptable secondary valuation provided - Due Diligence Vendor-06/03/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.4% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.14 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.14 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review865166_xxxxxx_5_21_2026_115525_AM.zip<br> Screenshot 2026-05-22 xxxxxx.jpg<br> xxxxxx (1).pdf<br> xxxxxx 2nd appraisal.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865166 | xxxxxx | D A | Closed | xxxxxx | 2026-05-20 11:46 | 2026-06-03 16:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Newly closed refi for Primary (2nd Lien) Final CD, Note, Taxes, HOI and HOA provided - Due Diligence Vendor-06/03/2026 <br> Ready for Review-Document Uploaded. Concurrent with the subject 2nd loan, the borrower refinanced his primary property (xxxxxx) to reduce his interest rate and paydown the loan to 80% LTV. Attached are copies of the NEW NOTE, Final Closing Stmt, Final CD, Insurance, Property Tax and HO - Due Diligence Vendor-05/22/2026 <br> Open-Missing verification of taxes, insurance, terms of financing for non-subject property, primary residence. See xxxxxx, - Due Diligence Vendor-05/20/2026 |  | Resolved-Newly closed refi for Primary (2nd Lien) Final CD, Note, Taxes, HOI and HOA provided - Due Diligence Vendor-06/03/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.4% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.14 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.14 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 865166_xxxxxx_Insurance.pdf<br> 865166_xxxxxx_Final_Closing.pdf<br> 865166_xxxxxx_New_NOTE.pdf<br> 865166_xxxxxx_HOA.pdf<br> 865166_xxxxxx_Final_CD.pdf<br> 865166_xxxxxx_Prop_Tax.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865166 | xxxxxx | D A | Closed | xxxxxx | 2026-05-20 07:01 | 2026-06-03 16:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/03/2026 <br>Ready for Review-Document Uploaded. Please see CPA - Due Diligence Vendor-05/21/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing. Section 2.8.6.1.1 of the Guideliens requires documentation of the borrower's length of ownership via one of the following: CPA ltr, Business license, Bank Stmts from > 24 months prior or Other reasonable evidence. - Due Diligence Vendor-05/20/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/03/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.4% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.14 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.14 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review865166_xxxxxx_5_21_2026_112745_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865175 | xxxxxx | D A | Closed | xxxxxx | 2026-05-27 13:21 | 2026-06-03 15:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-All pages of the Title policy including Sechele B part I, & II were provided - Due Diligence Vendor-06/03/2026 <br>Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-05/28/2026 <br>Open-Title documentation provided is missing Schedule B (any and all parts of Schedule B). - Due Diligence Vendor-05/27/2026 |  | Resolved-All pages of the Title policy including Sechele B part I, & II were provided - Due Diligence Vendor-06/03/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.27 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 716 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 865175_xxxxxx_Dated_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865175 | xxxxxx | D A | Closed | xxxxxx | 2026-05-15 08:22 | 2026-06-03 15:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-06/03/2026 <br>Ready for Review-Document Uploaded. Please see drive report - Due Diligence Vendor-05/22/2026 <br>Open-Third Party Fraud Report Partially Provided The fraud report is there, but has a 0 score with auto refer. We need a complete fraud report with a passing score. - Due Diligence Vendor-05/15/2026 |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-06/03/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.27 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 716 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 865175_xxxxxx_Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865177 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-14 12:37 | 2026-05-19 11:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided additional information about business loan. - Due Diligence Vendor-05/19/2026 <br> Ready for Review-Document Uploaded. Please see attached verification of taxes insurance and/or HOA fees for non-subject property - Due Diligence Vendor-05/18/2026 <br> Open-Missing Verification of Property taxes and HOI for xxxxxx. Also for xxxxxx- Please review final 1003 REO for xxxxxx. Need to verify if this property is to be included in borrowers DTI. xxxxxx w acct # ending in 1910 per credit supp pg 227 is a business loan not a personal debt owed by borrower and has been deleted from borrowers credit report. No property report in file to verify if property is in borrowers name or under LLC. If in borrowers name, then we are missing property taxes , HOI and HOA (if applicable) in order to verify full PITIA as mortgage statement in file on page 596 does not show Escrows are covered in mortgage payment.<br> - Due Diligence Vendor-05/14/2026 |  | Resolved-Lender provided additional information about business loan. - Due Diligence Vendor-05/19/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 129.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review865177_xxxxxx_5_15_2026_63013_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865177 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-13 06:14 | 2026-05-13 09:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program Acreage limit is 20 acres per guides. Seek exception to exceed 20 acres with less than xxxxxx acres. - Due Diligence Vendor-05/13/2026 |  | Waived-Exception granted with compensating factorsPrimary Value Valuation Neighborhood Location Not Allowed for Program Acreage limit is 20 acres per guides. Seek exception to exceed 20 acres with less than xxxxxx acres. - Due Diligence Vendor-05/13/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 129.41 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 865182 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865193 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865239 | xxxxxx | C A | Closed | xxxxxx | 2026-04-22 01:30 | 2026-04-24 09:27 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. 4/23/26 - Please see renewal and current HOI - Due Diligence Vendor-04/24/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx Please provide the more recent Policy with an effective date prior to closing. Policy imaged is the renewal Effective Date of xxxxxx which is after the Disbursement Date of xxxxxx. - Due Diligence Vendor-04/22/2026 |  | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/24/2026 | 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 16.23 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<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 44.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<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 671 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points |  | 865239_xxxxxx_HOI_current_and_renewal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865255 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865256 | xxxxxx | D A | Closed | xxxxxx | 2026-05-14 11:11 | 2026-05-15 09:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Signed credit inquires reflecting 1 new credit card provided - Due Diligence Vendor-05/15/2026 <br>Ready for Review-Document Uploaded. xxxxxx Team, please see attached LOE regarding borrower's credit inquiries, xxxxxx. - Seller-05/14/2026 <br>Open-Provide a signed Letter of Explanation (LOE) from the borrower addressing all credit inquiries dated within 90 days of the application, including clarification as to whether any new debt or credit obligations were incurred; additional conditions may apply upon review. - Due Diligence Vendor-05/14/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see attached LOE regarding borrower's credit inquiries, xxxxxx. - Seller-05/14/2026<br>| Resolved-Signed credit inquires reflecting 1 new credit card provided - Due Diligence Vendor-05/15/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxxxxx LOE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865256 | xxxxxx | D A | Closed | xxxxxx | 2026-05-14 10:27 | 2026-05-15 08:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached. xxxxxx - Seller-05/14/2026 <br> Open-Borrower 1 WVOE Missing Provide a written verification of employment (WVOE) for B1's employment with xxxxxx, evidencing current employment status and income, as required per guideline; additional conditions may apply upon review. - Due Diligence Vendor-05/14/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached. xxxxxx - Seller-05/14/2026<br>| Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-05/15/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | WVOE - xxxxxx_2026_05_14_@09_21_33.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865272 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 865291 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 865312 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-26 06:31 | 2026-05-29 14:47 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Approval - Loan Terms. - Due Diligence Vendor-05/29/2026 <br> Open-1008/Underwriting Summary Not Provided File is missing 1008 - Due Diligence Vendor-05/28/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/29/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.38 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 865312_xxxxxx_Loan_#865312_LDL-Report_5-14-26.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865312 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-28 10:16 | 2026-05-29 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/29/2026 <br>Ready for Review-Document Uploaded. Please see attached Income Calculation Worksheet. - Due Diligence Vendor-05/29/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary Unable to locate lender income worksheet - Due Diligence Vendor-05/28/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/29/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.38 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 865312_xxxxxx_865312__xxxxxx_ANALYSIS_4-22-26_SM.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865312 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-26 12:42 | 2026-05-29 12:57 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-05/29/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-05/29/2026 <br>Ready for Review-Document Uploaded. Please see attached Disclosures. - Due Diligence Vendor-05/29/2026 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*Please provide entire initial disclosure package, issued within 3 days or borrower application, for review - Due Diligence Vendor-05/26/2026 |  | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-05/29/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.38 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review865312_xxxxxx_5_28_2026_60859_PM.zip<br> 865312_xxxxxx_Homeownership_Disclosure.pdf<br> 865312_xxxxxx_Initial_Disclosures.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865312 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-26 12:45 | 2026-05-29 12:57 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. Please see attached Disclosures. - Due Diligence Vendor-05/29/2026 <br> Open-\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/28/2026 <br> Open-Documentation provided does not contain the Initial closing disclosure Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/26/2026 |  | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-05/29/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.38 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review865312_xxxxxx_5_28_2026_61055_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865312 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-26 12:42 | 2026-05-29 12:55 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-05/29/2026 <br> Resolved- - Due Diligence Vendor-05/29/2026 <br> Open-\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/28/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx, xxxxxx and xxxxxx. - Due Diligence Vendor-05/26/2026 <br> Open- - Due Diligence Vendor-05/26/2026 <br> Open- - Due Diligence Vendor-05/26/2026 |  | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-05/29/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.38 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865312 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-28 11:29 | 2026-05-29 12:55 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-05/29/2026 <br> Resolved- - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. Please see attached Disclosures - xxxxxx - 32m ago Portal<br> Initial CD signed xxxxxx, Revised CD signed xxxxxx, Note date xxxxxx. TRID wait time was met. xxxxxx! - Due Diligence Vendor-05/29/2026 <br> Open-\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. A Compliance testing is incomplete until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/28/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxxxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-05/28/2026 |  | Resolved-\*\*\*Received missing disclosures. - Due Diligence Vendor-05/29/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.38 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review865312_xxxxxx_5_28_2026_60944_PM.zip<br> Full Review865312_xxxxxx_5_28_2026_61208_PM.zip<br> 865312_xxxxxx_CD_CIC_2.pdf<br> 865312_xxxxxx_CD_CIC.pdf<br> 865312_xxxxxx_Initial_LE.pdf<br> 865312_xxxxxx_Revised_CD_2.pdf<br> 865312_xxxxxx_Revised_CD.pdf<br> 865312_xxxxxx_Initial_CD.pdf<br> 865312_xxxxxx_Locked_LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865334 | xxxxxx | C A | Closed | xxxxxx | 2026-05-04 15:20 | 2026-05-06 14:58 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. xxxxxx Team, please see the attached Post Consummation Closing Disclosure and final settlement statement showing the loan has been disbursed on 05/01/2026. - Seller-05/05/2026 <br> Open- - Due Diligence Vendor-05/05/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <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. - Due Diligence Vendor-05/04/2026 <br> Open- - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. xxxxxx Team, please see the attached Post Consummation Closing Disclosure and final settlement statement showing the loan has been disbursed on xxxxxx. - Seller-05/05/2026 | Resolved-\*\*Received PCCD - Due Diligence Vendor-05/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 741 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.41 Years |  | xxxxxx_PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865359 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 865362 | xxxxxx | C B A | Closed | xxxxxx | 2026-06-29 14:28 | 2026-06-29 14:34 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-1008 evidences originator utilized the lower sales price ($xxxxxx) to qualify the LTV rather than the high appraised value ($xxxxxx). Provided AVM ($xxxxxx) is not within 10% of the original appraisal (-13.33%), but is within 10% of the sales price utilized to qualify (-3.48%) and remains immaterial due to the value utilized to qualify the loan prior to close.<br> - Due Diligence Vendor-06/29/2026 <br> Open-Provided AVM is less than 10% below the original appraised value. (-13.33%) - Due Diligence Vendor-06/29/2026 |  | Waived-1008 evidences originator utilized the lower sales price ($xxxxxx) to qualify the LTV rather than the high appraised value ($xxxxxx). Provided AVM ($xxxxxx) is not within 10% of the original appraisal (-13.33%), but is within 10% of the sales price utilized to qualify (-3.48%) and remains immaterial due to the value utilized to qualify the loan prior to close.<br> - Due Diligence Vendor-06/29/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.12% 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 - 20.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.67 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 865382 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 865673 | xxxxxx | C A | Closed | xxxxxx | 2026-05-08 12:46 | 2026-05-22 15:42 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (same creditor with H-8 form type). | Resolved-Correct Right to Cancel Form Model was used or Not Applicable (Loan Purpose is Refinance and Same Lender Refinance is Yes) - Due Diligence Vendor-05/22/2026 <br> Resolved-\*\*\*Received executed correct NORTC - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. See attached documentation regarding NORTC - Due Diligence Vendor-05/21/2026 <br> Open-Loan Purpose is Refinance and Creditor did not provide the appropriate Right to Cancel Form Model (Same Creditor with H-8 form type). \*\*\*\*\*\*Documentation provided includes an H8 Right to Cancel form. Lender has been identified as either the current lender or the recorded original lender. The correct form should be an H9 - Due Diligence Vendor-05/08/2026 |  | Resolved-Correct Right to Cancel Form Model was used or Not Applicable (Loan Purpose is Refinance and Same Lender Refinance is Yes) - Due Diligence Vendor-05/22/2026 <br>Resolved-\*\*\*Received executed correct NORTC - Due Diligence Vendor-05/22/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 63.32% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.32 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 680 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 0.09 |  | Full Review865673_xxxxxx_5_21_2026_123932_PM.zip<br> 865673_xxxxxx_System.pdf<br> 865673_xxxxxx_NORTC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865680 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-19 11:16 | 2026-05-19 11:17 | Waived | 2 - Non-Material C B | Credit | Income | Employment Self-Employed Less Than 2 Years at Origination | Waived-Exception granted with compensating factorsApproved to allow for Self-employment < 2 years - Due Diligence Vendor-05/19/2026 <br>Open- - Due Diligence Vendor-05/19/2026 |  | Waived-Exception granted with compensating factorsApproved to allow for Self-employment < 2 years - Due Diligence Vendor-05/19/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | DTI <= 36% which is below requirement in guidelines<br> Residual income more than 1.5x the amount required by guidelines |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 865689 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 865690 | xxxxxx | C A | Closed | xxxxxx | 2026-05-14 05:46 | 2026-05-27 10:16 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-\*\*\*Received LOE - Due Diligence Vendor-05/27/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-05/27/2026 <br> Open- - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. Please see attached lender cert. - Due Diligence Vendor-05/26/2026 <br> Open-\*\*\* Documentation provided does not include confirmation of the borrowers application date. Application Date = date lender/broker receives all 6 items (Name, Income, SSN, Property Address, Estimated Value, Loan Amount) → starts 3-business-day Initial Loan Estimate and Initial Disclosure clock. The Application Date is the date the last of the six items is received.. [6 items received] → [Application Date] → [3-day Initial Loan Estimate/Initial Disclosure clock starts]. xxxxxx - Due Diligence Vendor-05/14/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-05/14/2026 <br> Open- - Due Diligence Vendor-05/14/2026 <br> Open- - Due Diligence Vendor-05/14/2026 |  | Resolved-\*\*\*Received LOE - Due Diligence Vendor-05/27/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |  | Full Review865690_xxxxxx_5_26_2026_104746_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865690 | xxxxxx | C A | Closed | xxxxxx | 2026-05-27 10:12 | 2026-05-27 10:16 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*\*Received LOE - Due Diligence Vendor-05/27/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx, xxxxxx and xxxxxx. - Due Diligence Vendor-05/27/2026 <br> Open- - Due Diligence Vendor-05/27/2026 |  | Resolved-\*\*\*Received LOE - Due Diligence Vendor-05/27/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865690 | xxxxxx | C A | Closed | xxxxxx | 2026-05-14 05:46 | 2026-05-27 10:13 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received LOE - Due Diligence Vendor-05/27/2026 <br> Resolved- - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. Please see attached lender cert and initial LE. - Due Diligence Vendor-05/26/2026 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/14/2026 <br> Open- - Due Diligence Vendor-05/14/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,769.69.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/14/2026 <br> Open- - Due Diligence Vendor-05/14/2026 |  | Resolved-\*\*\*Received LOE - Due Diligence Vendor-05/27/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |  | Full Review865690_xxxxxx_5_26_2026_104913_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865690 | xxxxxx | C A | Closed | xxxxxx | 2026-05-14 05:46 | 2026-05-27 10:13 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Resolved-\*\*\*Received LOE - Due Diligence Vendor-05/27/2026 <br> Resolved- - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. Please see attached lender cert and initial LE. - Due Diligence Vendor-05/26/2026 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/14/2026 <br> Open- - Due Diligence Vendor-05/14/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/14/2026 <br> Open- - Due Diligence Vendor-05/14/2026 |  | Resolved-\*\*\*Received LOE - Due Diligence Vendor-05/27/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |  | Full Review865690_xxxxxx_5_26_2026_105404_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865690 | xxxxxx | C A | Closed | xxxxxx | 2026-05-14 05:46 | 2026-05-27 10:13 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received LOE - Due Diligence Vendor-05/27/2026 <br> Resolved- - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. Please see attached lender cert and initial LE. - Due Diligence Vendor-05/26/2026 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/14/2026 <br> Open- - Due Diligence Vendor-05/14/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/14/2026 <br> Open- - Due Diligence Vendor-05/14/2026 |  | Resolved-\*\*\*Received LOE - Due Diligence Vendor-05/27/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |  | Full Review865690_xxxxxx_5_26_2026_105605_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865690 | xxxxxx | C A | Closed | xxxxxx | 2026-05-14 05:46 | 2026-05-27 10:13 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*\*Received LOE - Due Diligence Vendor-05/27/2026 <br> Resolved- - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. Please see attached lender cert and initial LE. - Due Diligence Vendor-05/26/2026 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/14/2026 <br> Open- - Due Diligence Vendor-05/14/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,013.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-05/14/2026 <br> Open- - Due Diligence Vendor-05/14/2026 |  | Resolved-\*\*\*Received LOE - Due Diligence Vendor-05/27/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |  | Full Review865690_xxxxxx_5_26_2026_105806_AM.zip<br> 865690_xxxxxx_Initial_LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865690 | xxxxxx | C A | Closed | xxxxxx | 2026-05-14 05:46 | 2026-05-27 10:13 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-\*\*\*Received LOE - Due Diligence Vendor-05/27/2026 <br> Resolved- - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. Please see attached lender cert and initial LE. - Due Diligence Vendor-05/26/2026 <br> Open-"\*\*\*\*\*\*• Initial Loan Estimate, issued within 3 days of of application, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings." - Due Diligence Vendor-05/14/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-05/14/2026 <br> Open- - Due Diligence Vendor-05/14/2026 <br> Open- - Due Diligence Vendor-05/14/2026 |  | Resolved-\*\*\*Received LOE - Due Diligence Vendor-05/27/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.37 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years |  | Full Review865690_xxxxxx_5_26_2026_104819_AM.zip<br> 865690_xxxxxx_Lender_Cert_xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865692 | xxxxxx | C A | Closed | xxxxxx | 2026-05-27 08:33 | 2026-06-02 13:10 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-06/02/2026 <br> Resolved- - Due Diligence Vendor-06/02/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-06/02/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD. - Due Diligence Vendor-06/01/2026 <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. \*\*\*\*\*\*\*Borrower executed documents on xxxxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/28/2026 <br> Open- - Due Diligence Vendor-05/28/2026 <br> Open- - Due Diligence Vendor-05/27/2026 <br> Open- - Due Diligence Vendor-05/27/2026 <br> Open- - Due Diligence Vendor-05/27/2026 |  | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-06/02/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.95% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.43 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 74.54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | Full Review865692_xxxxxx_6_1_2026_13258_PM.zip<br> 865692_xxxxxx_PCCD.pdf<br> 865692_xxxxxx_PCCD_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865762 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 865771 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 865773 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-14 17:01 | 2026-04-24 07:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved- - Due Diligence Vendor-04/24/2026 <br>Resolved-desk review provided - Due Diligence Vendor-04/24/2026 <br>Ready for Review-Document Uploaded. - Seller-04/23/2026 <br>Open-Please verify Collateral Underwriter Score Provided is actually Missing. . Provide 3rd party review as required per guidelines. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. - Seller-04/23/2026<br>| Resolved-desk review provided - Due Diligence Vendor-04/24/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.32 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.49% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | CDA.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865773 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-14 17:01 | 2026-04-24 07:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 58.32 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-04/24/2026 <br>Ready for Review-Document Uploaded. I have attached an IRA retirement statement from the co-borrower who was added after we sent in the loan docs and loan tape. I have also attached an updated 1008/1003 to see the co-borrower has been added to the file properly. - Buyer-04/23/2026 <br>Open-Audited Reserves of are less than Guideline Required Reserves of 2. Loan is short cash to close with none remaining for reserves. - Due Diligence Vendor-04/14/2026 |  | Resolved-Audited Reserves of 58.32 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-04/24/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.32 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.49% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | 1008.pdf<br> IRA - xxxxxx.pdf<br> 1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865773 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-14 16:10 | 2026-04-24 07:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/23/2026 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Document is incomplete or missing required policy information. Lender to provide Binder with agree premium and adequate coverage and to show mortgage loss payee/ISAOA for lender. Based on the provided hazard quote, premium is $939.00. Subject to review and possible additional condition as this will impact the DSCR. - Due Diligence Vendor-04/14/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/24/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.32 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.49% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | HOI.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865773 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-14 16:16 | 2026-04-24 07:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/23/2026 <br> Open-Missing Flood Insurance Policy. Per Flood Cert, property is located in zone AE and Flood Insurance is required. No evidence of coverage in file. Lender is required to provide Binder with adequate coverage at a yet-to-be determined cost. Subject to review and possible additional condition as this will impact the DSCR. - Due Diligence Vendor-04/14/2026 |  | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-04/24/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.32 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.49% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | Flood Insurance.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865773 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-16 11:52 | 2026-04-24 07:35 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Corrected Appraisal provided - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. - Seller-04/23/2026 <br> Open-. Provide corrected appraisal for borrower name to show xxxxxx. Currently the appraisal shows borrower's name. - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. - Seller-04/23/2026<br>| Resolved-Corrected Appraisal provided - Due Diligence Vendor-04/24/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.32 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.49% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | Appraisal.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865776 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 865833 | xxxxxx | D A | Closed | xxxxxx | 2026-04-23 12:41 | 2026-04-27 12:01 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-04/27/2026 <br>Ready for Review-Document Uploaded. - Seller-04/24/2026 <br>Open-Missing primary appraisal. - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. - Seller-04/24/2026<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-04/27/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<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 - 30.31 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.31 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 25.89% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.33 Years |  | APPRAISAL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865834 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 865835 | xxxxxx | B A | Closed | xxxxxx | 2026-05-01 09:02 | 2026-05-11 11:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Exception granted with compensating factorsAudited FICO of 637 is less than Guideline FICO of 640 - Due Diligence Vendor-05/11/2026 <br> Ready for Review-This loan should be UW to xxxxxx guidelines this is not committed to xxxxxx - Seller-05/08/2026 <br> Open-Audited FICO of 637 is less than Guideline FICO of 640 Exception remains open. Exception was granted for not meeting the minimum fico of 640. Loan was locked with xxxxxx and the minimum score allowed is 660. Exception for score is no longer valid. - Due Diligence Vendor-05/01/2026 | Ready for Review-This loan should be UW to xxxxxx guidelines this is not committed to xxxxxx - Seller-05/08/2026 <br> Ready for Review-The loan is committed to xxxxxx not xxxxxx - Seller-05/05/2026 | Waived-Exception granted with compensating factorsAudited FICO of 637 is less than Guideline FICO of 640 - Due Diligence Vendor-05/11/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.85% 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 - 24.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.38 Years | HOUSING HISTORY OF 0X30X24; CLTV < 50% | image.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 865835 | xxxxxx | B A | Closed | xxxxxx | 2026-05-01 09:03 | 2026-05-04 12:28 | Waived | 2 - Non-Material B | Property | Property Issue | Property Condition Rating Does Not Meet Program Requirements | Waived-Exception granted with compensating factorsSUBJECT PROPERTY HAS A C4 CONDITION RATING, WHICH DOES NOT MEET THE MINIMUM REQUIRED CONDITION RATING OF C3 PER PROGRAM GUIDELINES. C4 rating is due to no recent updates and appraiser confirms ther are no physical deficiencies or adverse conditions that affect the livability, structural integrity, or maketability of the property. - Due Diligence Vendor-05/01/2026 |  | Waived-Exception granted with compensating factorsSUBJECT PROPERTY HAS A C4 CONDITION RATING, WHICH DOES NOT MEET THE MINIMUM REQUIRED CONDITION RATING OF C3 PER PROGRAM GUIDELINES. C4 rating is due to no recent updates and appraiser confirms ther are no physical deficiencies or adverse conditions that affect the livability, structural integrity, or maketability of the property. - Due Diligence Vendor-05/01/2026 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.85% 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 - 24.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.38 Years | HOUSING HISTORY OF 0X30X24; CLTV < 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 865836 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865837 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-24 10:29 | 2026-04-28 10:37 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-\*\*\*Received cure package. - Due Diligence Vendor-04/28/2026 <br> Resolved-\*\*\*Received cure package. - Due Diligence Vendor-04/28/2026 <br> Resolved- - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. - Seller-04/27/2026 <br> Open-\*\*\* Recording charges of $370 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $450. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $43 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($450.00) exceed the comparable charges ($370.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 | Ready for Review-Document Uploaded. - Seller-04/27/2026<br>| Cured-\*\*\*Received cure package. - Due Diligence Vendor-04/28/2026 <br>Resolved-\*\*\*Received cure package. - Due Diligence Vendor-04/28/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.04% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | post closing cd (002).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865837 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-24 10:29 | 2026-04-28 10:36 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Reimbursement Amount Validation Test | Cured-\*\*\*Received cure package. - Due Diligence Vendor-04/28/2026 <br> Resolved-\*\*\*Received cure package. - Due Diligence Vendor-04/28/2026 <br> Resolved- - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. refund check and xxxxx label shipped to borrower - Seller-04/27/2026 <br> Open-\*\*\* Recording charges of $370 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $450. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $43 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 | Ready for Review-Document Uploaded. refund check and xxxxx label shipped to borrower - Seller-04/27/2026 | Cured-\*\*\*Received cure package. - Due Diligence Vendor-04/28/2026 <br>Resolved-\*\*\*Received cure package. - Due Diligence Vendor-04/28/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.04% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | 2026-04-24T23_28_04-xxxxx Shipping-Label.pdf<br> 20260424162735252.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865837 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-24 10:29 | 2026-04-28 10:33 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received cure package. - Due Diligence Vendor-04/28/2026 <br> Resolved- - Due Diligence Vendor-04/28/2026 <br> Open-\*\*\* Recording charges of $370 were disclosed to the borrower in the Initial Loan Estimate. Final charge to borrower is $450. There is no correlating event evident (new Vesting deed, POA, etc.) to ratify the increase is valid change of circumstance. 10% tolerance cure in the amount of $43 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/24/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/24/2026 |  | Resolved-\*\*\*Received cure package. - Due Diligence Vendor-04/28/2026<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 749 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.04% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865838 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-29 10:40 | 2026-05-12 15:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received missing disclosure - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. - Seller-05/11/2026 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/29/2026 | Ready for Review-Document Uploaded. - Seller-05/11/2026<br>| Resolved-\*\*Received missing disclosure - Due Diligence Vendor-05/12/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 680 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.7% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.04 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.04 Years |  | VERIFICATION OF RECEIPT OF CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865838 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-29 13:21 | 2026-05-12 08:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-05/12/2026 <br>Ready for Review-Document Uploaded. - Seller-05/11/2026 <br>Open-Third Party Fraud Report Partially Provided Missing a complete fraud report. Have some checks like OFAC, but do not have a complete fraud report. - Due Diligence Vendor-04/29/2026 | Ready for Review-Document Uploaded. - Seller-05/11/2026<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-05/12/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 680 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.7% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.04 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.04 Years |  | ADV-120 REPORT - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865839 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 865845 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 865874 | xxxxxx | D A | Closed | xxxxxx | 2026-05-27 15:10 | 2026-05-29 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/29/2026 <br>Ready for Review-Document Uploaded. Bank statement worksheet - Due Diligence Vendor-05/28/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary The Bank Statement Income Worksheet for B1 and B2 is missing. Lender to provide the Lender's Bank Statement Income Worksheet for B1 and B2. - Due Diligence Vendor-05/27/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/29/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.36 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.36 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.25 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.23% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | 865874_xxxxxx_865874_xxxxxx_DBA_xxxxxx_ANALYSIS.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865888 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-21 10:37 | 2026-05-21 10:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Allow first time homebuyer to purchase an investment property - Due Diligence Vendor-05/21/2026 <br>Open-Per Guidelines: The following requirements apply to first time homebuyer (FTHB) transactions: Primary residence only - Subject loan is an Investment purchase - Due Diligence Vendor-05/21/2026 |  | Waived-Exception granted with compensating factorsException granted with supporting comp factors: Allow first time homebuyer to purchase an investment property - Due Diligence Vendor-05/21/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.38 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.43 Are Greater Than The Guideline Minimum Of 6 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 - 17.83 Years | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Self-employed for > 2 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 865940 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865955 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865974 | xxxxxx | C A | Closed | xxxxxx | 2026-05-15 18:00 | 2026-05-19 14:02 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-More detailed tax cert provided by lender - Due Diligence Vendor-05/19/2026 <br>Resolved-Property Tax Cert Provided - Due Diligence Vendor-05/19/2026 <br>Ready for Review-Document Uploaded. xxxxxx Team, the tax calculation showing on the 1008. xxxxxx - Seller-05/18/2026 <br>Open-Missing Property Tax Cert for the subject property - Due Diligence Vendor-05/15/2026 | Ready for Review-Document Uploaded. xxxxxx Team, the tax calculation showing on the 1008. xxxxxx - Seller-05/18/2026<br>| Resolved-More detailed tax cert provided by lender - Due Diligence Vendor-05/19/2026 <br>Resolved-Property Tax Cert Provided - Due Diligence Vendor-05/19/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.24 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 - 12.27 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.28 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxxxxx_11_Tax_Disclosure_2026_05_18_@11_32_09.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865987 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 866009 | xxxxxx | B A | Closed | xxxxxx | 2026-05-22 10:34 | 2026-05-22 10:34 | Waived | 2 - Non-Material B | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Waived-Exception granted with compensating factors to waive missing mortgage statement on primary residence to evidence most recent payment - Due Diligence Vendor-05/22/2026 |  | Waived-Exception granted with compensating factors to waive missing mortgage statement on primary residence to evidence most recent payment - Due Diligence Vendor-05/22/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.04 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 50 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 47.45% Is Less Than The Guideline Maximum Of 85% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 866203 | xxxxxx | D A | Closed | xxxxxx | 2026-05-21 13:04 | 2026-05-26 11:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/26/2026 <br> Ready for Review-Document Uploaded. xxxxxx team, please see attached credit refresh for borrower 2, xxxxxx. - Seller-05/22/2026 <br> Open-Borrower 2 Gap Credit Report is Missing Provide a Gap Credit Report/credit refresh for Borrower 2, as required per GL, as the current CBR is dated xxxxxx, which is 40 days prior to the xxxxxx Note Date and exceeds the allowable 30-day requirement; additional conditions may apply upon review. - Due Diligence Vendor-05/21/2026 | Ready for Review-Document Uploaded. xxxxxx team, please see attached credit refresh for borrower 2, xxxxxx. - Seller-05/22/2026<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/26/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.28 Years |  | xxxxxx - B2 Credit Refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866203 | xxxxxx | D A | Closed | xxxxxx | 2026-05-22 11:49 | 2026-05-26 11:44 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud report provided - Due Diligence Vendor-05/26/2026 <br>Ready for Review-Document Uploaded. xxxxxx team, please see attached fraud report showing all alerts have been cleared, xxxxxx. - Seller-05/22/2026 <br>Open-Provide an updated fraud report with all open alerts fully addressed/cleared, as the current fraud report reflects open alerts (Per GL All high level alerts, red flags, etc. must be addressed and/or cleared.); additional conditions may apply upon review. - Due Diligence Vendor-05/22/2026 | Ready for Review-Document Uploaded. xxxxxx team, please see attached fraud report showing all alerts have been cleared, xxxxxx. - Seller-05/22/2026<br>| Resolved-Fraud report provided - Due Diligence Vendor-05/26/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 806 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.28 Years |  | xxxxxx - FraudReport Cleared.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866214 | xxxxxx | D A | Closed | xxxxxx | 2026-05-19 09:35 | 2026-05-29 08:14 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Updated DOT with PUD rider and Letter of intent to re-record stating The error made on the Deed of Trust that pertains to this file and advise we intend to re-record this file to add the PUD Rider which was missing at the time of recording was provided - Due Diligence Vendor-05/29/2026 <br>Ready for Review-Document Uploaded. re-signed and recorded mortgage along with the letter of intent to re-record have been uploaded. - Due Diligence Vendor-05/29/2026 <br>Ready for Review-Document Uploaded. - Buyer-05/28/2026 <br>Open-PUD Rider is Missing - Due Diligence Vendor-05/20/2026 |  | Resolved-Updated DOT with PUD rider and Letter of intent to re-record stating The error made on the Deed of Trust that pertains to this file and advise we intend to re-record this file to add the PUD Rider which was missing at the time of recording was provided - Due Diligence Vendor-05/29/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 680 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 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.90 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.8% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.08 Years |  | RECORDED MORTGAGE.pdf<br> 866214_xxxxxx_RECORDED_MORTGAGE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 866214 | xxxxxx | D A | Closed | xxxxxx | 2026-05-20 12:23 | 2026-05-29 08:08 | Resolved | 1 - Information C A | Credit | Income | Potential Employment/income Issues identified in the file | Resolved-Updated 1003 reflecting xxxxxx and xxxxxx included in the total REO rent loss totaling $11,688.87 - Audited DTI is 40.08% - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. - Seller-05/28/2026 <br> Counter-Document Uploaded. the Property report provided for xxxxxx is in the name of an LLC which was transferred from the bwr on xxxxxx without deed of transfer in loan file also provide confirmation on which property the xxxxxx lien belongs too as its not listed on the bwr Final 1003 however its showing on the Bwr's CBR supplement - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. - Seller-05/21/2026 <br> Open-Missing evidence of sold properties xxxxxx and xxxxxx not included in DTI. DTI subject to change upon receipt. - Due Diligence Vendor-05/20/2026 | Ready for Review-Document Uploaded. - Seller-05/28/2026 <br>Ready for Review-Document Uploaded. - Seller-05/21/2026<br>| Resolved-Updated 1003 reflecting xxxxxx and xxxxxx included in the total REO rent loss totaling $11,688.87 - Audited DTI is 40.08% - Due Diligence Vendor-05/29/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 680 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 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.90 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.8% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.08 Years |  | REO-xxxxxx.PDF<br> CREDIT SUPP REPORT.pdf<br> xxxxxx.pdf<br> xxxxxx.pdf<br> Screenshot 2026-05-22 110257.jpg<br> Screenshot 2026-05-22 110129.jpg<br> Screenshot 2026-05-22 111727.jpg<br> xxxxxx final 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 866214 | xxxxxx | D A | Closed | xxxxxx | 2026-05-20 02:29 | 2026-05-22 11:15 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/22/2026 <br>Ready for Review-Document Uploaded. Please see approval - Due Diligence Vendor-05/21/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-05/20/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/22/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 680 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 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.90 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.8% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.08 Years |  | Full Review866214_xxxxxx_5_21_2026_123659_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 866214 | xxxxxx | D A | Closed | xxxxxx | 2026-05-20 01:44 | 2026-05-22 11:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/22/2026 <br>Ready for Review-Document Uploaded. Please see worksheet - Due Diligence Vendor-05/21/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-05/20/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/22/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 680 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 0.01<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.90 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.8% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.08 Years |  | Full Review866214_xxxxxx_5_21_2026_123321_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 866220 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866222 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 866247 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866295 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 866380 | xxxxxx | D A | Closed | xxxxxx | 2026-05-27 11:27 | 2026-06-02 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/02/2026 <br>Ready for Review-Document Uploaded. Title - Due Diligence Vendor-06/01/2026 <br>Open-Title Document is missing - Due Diligence Vendor-05/27/2026 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-06/02/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 866380_xxxxxx_Title_4_9_2026.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866417 | xxxxxx | D A | Closed | xxxxxx | 2026-05-08 10:00 | 2026-05-11 12:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-Lender provided xxxxxx xxxxxx document showing over 100% offset of electricity bill. - Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-05/08/2026 <br> Open-Provide documentation evidencing the xxxxxx loan monthly payment amount, outstanding balance, and repayment term, as the obligation is currently reflected on title; additional conditions may apply upon review. - Due Diligence Vendor-05/08/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-05/08/2026<br>| Resolved-Lender provided xxxxxx energy system document showing over 100% offset of electricity bill. - Due Diligence Vendor-05/11/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 130.95 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<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 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxxxxx-xxxxxx.pdf_2026_05_08_@10_56_02.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 866417 | xxxxxx | D A | Closed | xxxxxx | 2026-05-08 10:26 | 2026-05-08 16:44 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/08/2026 <br>Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-05/08/2026 <br>Open-Provide documentation addressing and/or clearing the open alerts reflected on the Fraud Report, as all high-level alerts and red flags must be resolved per GL; additional conditions may apply upon review. - Due Diligence Vendor-05/08/2026 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-05/08/2026<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/08/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 130.95 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<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 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | FRAUD REPORT_2026_05_08_@10_56_46.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 866419 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 866444 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 866445 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 866446 | xxxxxx | C A | Closed | xxxxxx | 2026-05-01 06:27 | 2026-05-15 10:43 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. - Seller-05/14/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx Validated - Due Diligence Vendor-05/01/2026 | Ready for Review-Document Uploaded. - Seller-05/14/2026<br>| Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/15/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 794 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.91 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |  | 4-21-2026 2026 EOI xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 866448 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866449 | xxxxxx | B A | Closed | xxxxxx | 2026-05-13 09:27 | 2026-05-13 09:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception granted with compensating factors for Audited LTV of 80% that exceeds Guideline LTV of 75% CO-BORROWER IS LIVING RENT FREE. 80% LTV EXCEEDS THE MAX ALLOWED OF 75% FOR LIVING RENT FREE - Due Diligence Vendor-05/13/2026 |  | Waived-Exception granted with compensating factors for Audited LTV of 80% that exceeds Guideline LTV of 75% CO-BORROWER IS LIVING RENT FREE. 80% LTV EXCEEDS THE MAX ALLOWED OF 75% FOR LIVING RENT FREE - Due Diligence Vendor-05/13/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.64 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | QUALIFYING FICO SCORE IS 103+ POINTS ABOVE MINIMUM SCORE PER PROGRAM; C3 CONDITION RATING; DTI < 43% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | No | xxxxxx |
| 866451 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866452 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866456 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-05 05:28 | 2026-05-11 11:35 | 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-05/11/2026 <br>Ready for Review-Document Uploaded. - Seller-05/08/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-05/05/2026 | Ready for Review-Document Uploaded. - Seller-05/08/2026<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/11/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | ADV-120 REPORT - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866456 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-05 06:37 | 2026-05-05 06:37 | Waived | 2 - Non-Material B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception granted with compensating factorsEXCEPTION TO USE 4.13 GUIDELINES TO ACCEPT PAYMENT EVIDENCE OF SIX MONTHS. RENTAL PAYMENT WAS MADE VIA CASH AND VOR IN FILE SHOWS 0X30X12. - Due Diligence Vendor-05/05/2026 |  | Waived-Exception granted with compensating factorsEXCEPTION TO USE 4.13 GUIDELINES TO ACCEPT PAYMENT EVIDENCE OF SIX MONTHS. RENTAL PAYMENT WAS MADE VIA CASH AND VOR IN FILE SHOWS 0X30X12. - Due Diligence Vendor-05/05/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | \* POST CLOSING RESERVES OF 5.17 MONTHS \* FICO OF 696 IS 36 POINTS HIGHER THAN MINIMUM REQUIRED. \* LOW DTI OF 34.336% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 866456 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-05 06:32 | 2026-05-05 06:32 | Waived | 2 - Non-Material B | Credit | Income | Income documentation does not meet guidelines | Waived-Exception granted with compensating factorsEXCEPTION TO ALLOW P&L ONLY. AS PER GUIDELINES, P&L IS NOT ALLOWED ON NPRA BORROWER - Due Diligence Vendor-05/05/2026 |  | Waived-Exception granted with compensating factorsEXCEPTION TO ALLOW P&L ONLY. AS PER GUIDELINES, P&L IS NOT ALLOWED ON NPRA BORROWER - Due Diligence Vendor-05/05/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | POST CLOSING RESERVES OF 5.17 MONTHS \* FICO OF 696 IS 36 POINTS HIGHER THAN MINIMUM REQUIRED. \* LOW DTI OF 34.336% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 866514 | xxxxxx | D A | Closed | xxxxxx | 2026-05-14 09:37 | 2026-05-19 15:06 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CDA provided and no issues found. Supports OA value within a 10% tolerance. - Due Diligence Vendor-05/19/2026 <br>Ready for Review-CDA uploaded for review. - Due Diligence Vendor-05/19/2026 <br>Open-CDA missing - Due Diligence Vendor-05/14/2026 |  | Resolved-CDA provided and no issues found. Supports OA value within a 10% tolerance. - Due Diligence Vendor-05/19/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 119.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.39 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years |  | 866514_xxxxxx_xxxxxx_xxxxxx_CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 866518 | xxxxxx | D A | Closed | xxxxxx | 2026-05-20 08:13 | 2026-05-26 10:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/26/2026 <br>Ready for Review-Document Uploaded. Please see the CPA letter. xxxxxx! - Due Diligence Vendor-05/22/2026 <br>Open-Borrower 1 CPA Letter Missing. - Due Diligence Vendor-05/20/2026 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/26/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.44% 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 - 44.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.42 Years |  | 866518_xxxxxx_CPA_letter.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 866518 | xxxxxx | D A | Closed | xxxxxx | 2026-05-20 10:00 | 2026-05-26 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO documents provided - Due Diligence Vendor-05/26/2026 <br> Ready for Review-Document Uploaded. Attached please find: Mortgage statements for xxxxxx & xxxxxx showing taxes and insurance are escrowed. Tax bill & HOI for xxxxxx.<br> Please note xxxxxx is in the process of being purchased via xxxxxx as the lender - the loan is in it's early stages so the only documentation at this time is the last LE signed which is attached.<br> xxxxxx! - Due Diligence Vendor-05/22/2026 <br> Open-Missing Tax and Insurance for Rental calculation for the properties - xxxxxx<br> - xxxxxx<br> - xxxxxx<br> - xxxxxx<br> - xxxxxx<br> - xxxxxx <br> - xxxxxx <br> - xxxxxx <br>- Due Diligence Vendor-05/20/2026 |  | Resolved-REO documents provided - Due Diligence Vendor-05/26/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.33 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.44% 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 - 44.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.35 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.42 Years |  | 866518_xxxxxx_mtg_statement.pdf<br> 866518_xxxxxx_HOI_(1).pdf<br> 866518_xxxxxx_tax_bill.pdf<br> 866518_xxxxxx_Loan_Estimate_(1).PDF<br> 866518_xxxxxx_mtg_statements.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 866655 | xxxxxx | C B A | Closed | xxxxxx | 2026-06-10 23:08 | 2026-06-10 23:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception granted with compensating factorsException granted to allow investor concentration on subject development that exceeds guideline maximum - Due Diligence Vendor-06/11/2026 <br>Open-Subject development exceeds guideline maximum investor concentration of 60% with 76%. - Due Diligence Vendor-06/11/2026 |  | Waived-Exception granted with compensating factorsException granted to allow investor concentration on subject development that exceeds guideline maximum - Due Diligence Vendor-06/11/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 245.13 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.09 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.10 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 800 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.67 Years | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines.<br> Credit Score 30+ points > minimum required. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 866979 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 867029 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 867456 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 867457 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 867460 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 867856 | xxxxxx | D A | Closed | xxxxxx | 2026-05-27 21:46 | 2026-06-01 13:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI Policy provided - Due Diligence Vendor-06/01/2026 <br> Ready for Review-Document Uploaded. xxxxxx team, please see attached HOI for REO property xxxxxx, with a premium of $3978.46, xxxxxx. - Seller-05/29/2026 <br> Open-Provide a copy of the Hazard Insurance Policy (HOI) evidencing the annual premium amount and HOA documentation/payment information (if applicable) for Departure Residence / REO property xxxxxx, as the required documentation is missing from the file per GL requirements. Additional conditions may apply upon review. - Due Diligence Vendor-05/28/2026 | Ready for Review-Document Uploaded. xxxxxx team, please see attached HOI for REO property xxxxxx, with a premium of $3978.46, xxxxxx. - Seller-05/29/2026 | Resolved-HOI Policy provided - Due Diligence Vendor-06/01/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.04 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.39 Years |  | xxxxxx - HOI for REO.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 868180 | xxxxxx | D A | Closed | xxxxxx | 2026-05-29 16:25 | 2026-06-03 13:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO docs provided - Due Diligence Vendor-06/03/2026 <br> Ready for Review-Document Uploaded. See all docs attached for the condition. - Due Diligence Vendor-06/02/2026 <br> Open-1) Missing verification of taxes for non-subject property; xxxxxx and xxxxxx.<br> 2) Missing supporting documentation of terms of financing for xxxxxx. File contains the CD reflecting the terms of financing, however, missing recent Note, hazard policy and proof of taxes. - Due Diligence Vendor-05/29/2026 |  | Resolved-REO docs provided - Due Diligence Vendor-06/03/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.21% Is Less Than The Guideline Maximum Of 55% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 45.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.53 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 58.69 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 58.69 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | 868180_xxxxxx_Taxes.pdf<br> 868180_xxxxxx_HOI.pdf<br> 868180_xxxxxx_TAXES.pdf<br> 868180_xxxxxx_TAXES.pdf<br> 868180_xxxxxx_Note.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |

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## Exhibit 99.11

**EXHIBIT 99.11**

**Canopy RATING AGENCY GRADES SUMMARY REPORT**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 852653 | xxxxxx |  | xxxxxx D A |
| 852643 | xxxxxx |  | xxxxxx B A |
| 851889 | xxxxxx |  | xxxxxx A |
| 853476 | xxxxxx |  | xxxxxx C A |
| 855396 | xxxxxx |  | xxxxxx B A D |
| 855395 | xxxxxx |  | xxxxxx A |
| 852284 | xxxxxx |  | xxxxxx C A |
| 854736 | xxxxxx |  | xxxxxx B D A |
| 853220 | xxxxxx |  | xxxxxx A |
| 856336 | xxxxxx |  | xxxxxx B D A |
| 856334 | xxxxxx |  | xxxxxx C A B |
| 855467 | xxxxxx |  | xxxxxx A |
| 856146 | xxxxxx |  | xxxxxx A |
| 853537 | xxxxxx |  | xxxxxx A |
| 855187 | xxxxxx |  | xxxxxx A |
| 853512 | xxxxxx |  | xxxxxx A |
| 851004 | xxxxxx |  | xxxxxx D A |
| 855419 | xxxxxx |  | xxxxxx A |
| 857486 | xxxxxx |  | xxxxxx C A B |
| 853655 | xxxxxx |  | xxxxxx A |
| 858293 | xxxxxx |  | xxxxxx A |
| 857180 | xxxxxx |  | xxxxxx C A D B |
| 857184 | xxxxxx |  | xxxxxx C A D B |
| 856107 | xxxxxx |  | xxxxxx A |
| 856108 | xxxxxx |  | xxxxxx A |
| 854866 | xxxxxx |  | xxxxxx D A |
| 853454 | xxxxxx |  | xxxxxx A |
| 857347 | xxxxxx |  | xxxxxx D A B |
| 857394 | xxxxxx |  | xxxxxx D B A |
| 856564 | xxxxxx |  | xxxxxx A |
| 856600 | xxxxxx |  | xxxxxx A |
| 855801 | xxxxxx |  | xxxxxx A |
| 858027 | xxxxxx |  | xxxxxx A |
| 857408 | xxxxxx |  | xxxxxx C A |
| 855834 | xxxxxx |  | xxxxxx A |
| 856752 | xxxxxx |  | xxxxxx A |
| 856982 | xxxxxx |  | xxxxxx A |
| 857199 | xxxxxx |  | xxxxxx A |
| 857872 | xxxxxx |  | xxxxxx A |
| 854208 | xxxxxx |  | xxxxxx B A D |
| 858232 | xxxxxx |  | xxxxxx C A B |
| 857358 | xxxxxx |  | xxxxxx B A |
| 856617 | xxxxxx |  | xxxxxx B A |
| 858091 | xxxxxx |  | xxxxxx D A |
| 856780 | xxxxxx |  | xxxxxx B A |
| 852793 | xxxxxx |  | xxxxxx A |
| 857214 | xxxxxx |  | xxxxxx D A |
| 859758 | xxxxxx |  | xxxxxx C A B |
| 862015 | xxxxxx |  | xxxxxx D A |
| 855160 | xxxxxx |  | xxxxxx D A |
| 858760 | xxxxxx |  | xxxxxx A |
| 858918 | xxxxxx |  | xxxxxx A D |
| 859307 | xxxxxx |  | xxxxxx A C B |
| 856788 | xxxxxx |  | xxxxxx A |
| 857893 | xxxxxx |  | xxxxxx A |
| 859135 | xxxxxx |  | xxxxxx A |
| 859755 | xxxxxx |  | xxxxxx A D |
| 859314 | xxxxxx |  | xxxxxx A |
| 859271 | xxxxxx |  | xxxxxx A |
| 859309 | xxxxxx |  | xxxxxx A |
| 857773 | xxxxxx |  | xxxxxx A |
| 859623 | xxxxxx |  | xxxxxx D A |
| 859636 | xxxxxx |  | xxxxxx A D |
| 859728 | xxxxxx |  | xxxxxx A |
| 860127 | xxxxxx |  | xxxxxx D A |
| 860730 | xxxxxx |  | xxxxxx A |
| 853414 | xxxxxx |  | xxxxxx D A |
| 856861 | xxxxxx |  | xxxxxx D A |
| 858667 | xxxxxx |  | xxxxxx C A B |
| 858845 | xxxxxx |  | xxxxxx C A B |
| 858365 | xxxxxx |  | xxxxxx C A |
| 846143 | xxxxxx |  | xxxxxx A |
| 858242 | xxxxxx |  | xxxxxx D A |
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| 866514 | xxxxxx |  | xxxxxx A NA D |
| 863539 | xxxxxx |  | xxxxxx A |
| 865771 | xxxxxx |  | xxxxxx A |
| 863918 | xxxxxx |  | xxxxxx D A B |
| 865177 | xxxxxx |  | xxxxxx D A B |
| 864392 | xxxxxx |  | xxxxxx A |
| 866449 | xxxxxx |  | xxxxxx B A |
| 866448 | xxxxxx |  | xxxxxx A |
| 866452 | xxxxxx |  | xxxxxx A |
| 866451 | xxxxxx |  | xxxxxx A |
| 863313 | xxxxxx |  | xxxxxx A |
| 865690 | xxxxxx |  | xxxxxx A NA C |
| 865256 | xxxxxx |  | xxxxxx D A |
| 864805 | xxxxxx |  | xxxxxx B A |
| 860467 | xxxxxx |  | xxxxxx A C |
| 861750 | xxxxxx |  | xxxxxx A |
| 864323 | xxxxxx |  | xxxxxx A |
| 865175 | xxxxxx |  | xxxxxx D A |
| 865359 | xxxxxx |  | xxxxxx A |
| 864793 | xxxxxx |  | xxxxxx D B A |
| 865974 | xxxxxx |  | xxxxxx C A |
| 865680 | xxxxxx |  | xxxxxx C A B |
| 866247 | xxxxxx |  | xxxxxx A |
| 861439 | xxxxxx |  | xxxxxx A C |
| 863862 | xxxxxx |  | xxxxxx A |
| 864405 | xxxxxx |  | xxxxxx D A |
| 865776 | xxxxxx |  | xxxxxx A |
| 866214 | xxxxxx |  | xxxxxx D NA |
| 864250 | xxxxxx |  | xxxxxx D NA C |
| 866220 | xxxxxx |  | xxxxxx A |
| 864987 | xxxxxx |  | xxxxxx D A |
| 865166 | xxxxxx |  | xxxxxx D NA |
| 865888 | xxxxxx |  | xxxxxx C A B |
| 864809 | xxxxxx |  | xxxxxx A |
| 866518 | xxxxxx |  | xxxxxx D A |
| 865955 | xxxxxx |  | xxxxxx A |
| 865987 | xxxxxx |  | xxxxxx A |
| 864014 | xxxxxx |  | xxxxxx A |
| 865874 | xxxxxx |  | xxxxxx D A |
| 865940 | xxxxxx |  | xxxxxx A |
| 865762 | xxxxxx |  | xxxxxx A |
| 866203 | xxxxxx |  | xxxxxx D A |
| 864564 | xxxxxx |  | xxxxxx A C |
| 866222 | xxxxxx |  | xxxxxx A |
| 866295 | xxxxxx |  | xxxxxx A |
| 865164 | xxxxxx |  | xxxxxx D NA B |
| 866009 | xxxxxx |  | xxxxxx B A |
| 866979 | xxxxxx |  | xxxxxx A |
| 865312 | xxxxxx |  | xxxxxx D C A |
| 867029 | xxxxxx |  | xxxxxx A |
| 866380 | xxxxxx |  | xxxxxx D A |
| 865692 | xxxxxx |  | xxxxxx A NA C |
| 867460 | xxxxxx |  | xxxxxx A |
| 867856 | xxxxxx |  | xxxxxx D A |
| 867456 | xxxxxx |  | xxxxxx A |
| 867457 | xxxxxx |  | xxxxxx A |
| 868180 | xxxxxx |  | xxxxxx D A |
| 866655 | xxxxxx |  | xxxxxx C A B |
| 865773 | xxxxxx |  | xxxxxx D A C |

---

## Exhibit 99.12

**EXHIBIT 99.12**

**Canopy data compare report**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 851004 | xxxxxx |  | Number of Units | 2 | 1 |
| 851004 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 851889 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 851889 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 852284 | xxxxxx |  | Amortization Term | 360 | 240 |
| 852643 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 852653 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 853220 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853220 | xxxxxx |  | Qualifying CLTV | 54.5 | 50 |
| 853220 | xxxxxx |  | Qualifying LTV | 54.5 | 50 |
| 853344 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853414 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853414 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 853454 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 853512 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 853512 | xxxxxx |  | Qualifying LTV | 29.69 | 33.81 |
| 853537 | xxxxxx |  | Property Type | 5-10 Unit Multi-Family | Detached |
| 854208 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 854736 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 854866 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 854866 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 854943 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 855160 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 855160 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 855396 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 855467 | xxxxxx |  | Calculated DSCR | 0.756 | 0.7071 |
| 855617 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 855783 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 60 |
| 855834 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856233 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856334 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 856336 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 856607 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856752 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856752 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856780 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856788 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856817 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856817 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 856861 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 856982 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 856982 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 857180 | xxxxxx |  | Calculated DSCR | 0.985 | 1 |
| 857180 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 857184 | xxxxxx |  | Prepayment Penalty Total Term | 24 | 0 |
| 857199 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 36 |
| 857199 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857214 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857394 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857486 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 857585 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 857585 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 857773 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 857884 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 857885 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 857893 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 857933 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858036 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 858036 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858050 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 858050 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 858050 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858051 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858091 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858106 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858157 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 858157 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858232 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 858242 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 858242 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858246 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 858246 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858293 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 858365 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 858365 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858365 | xxxxxx |  | Qualifying CLTV | 58.93 | 62.66801 |
| 858365 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 858365 | xxxxxx |  | Qualifying LTV | 58.93 | 62.66801 |
| 858641 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858643 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858644 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 858644 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 858644 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 858661 | xxxxxx |  | Property Type | Condominium | Single Family Detached |
| 858667 | xxxxxx |  | Property Type | Townhouse | Single Family Attached |
| 858687 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 858748 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 858748 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 858786 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 858786 | xxxxxx |  | Qualifying CLTV | 66.19 | 64.51 |
| 858786 | xxxxxx |  | Qualifying Total Debt Income Ratio | 40.39 | 31.52 |
| 858845 | xxxxxx |  | Amortization Term | 360 | 480 |
| 858886 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 858886 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 858886 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858890 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 858890 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 858928 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 858961 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859036 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 859036 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 859036 | xxxxxx |  | Qualifying FICO | 807 | 825 |
| 859076 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 859094 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 859094 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 859094 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 859135 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859147 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 859147 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 859151 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 859151 | xxxxxx |  | Qualifying FICO | 797 | 758 |
| 859229 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859243 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859243 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 859256 | xxxxxx |  | Property Type | Townhouse | Single Family Attached |
| 859314 | xxxxxx |  | Calculated DSCR | 0.863 | 0.7505 |
| 859467 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859467 | xxxxxx |  | Qualifying CLTV | 32.39 | 38.82 |
| 859631 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859635 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 859677 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859721 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 859755 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 859755 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 859758 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 859763 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 859838 | xxxxxx |  | Property Type | PUD | Two to Four Unit |
| 859838 | xxxxxx |  | Refinance Type | No Cash Out - Borrower Initiated | Cash Out - Other |
| 859847 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859865 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 859865 | xxxxxx |  | Qualifying Total Debt Income Ratio | 18.35 | 28.41 |
| 859948 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 859948 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 859948 | xxxxxx |  | Qualifying CLTV | 51.43 | 42.85714 |
| 859948 | xxxxxx |  | Qualifying LTV | 51.43 | 42.85714 |
| 860007 | xxxxxx |  | Originator Doc Type | 12 Month Bank Statement | Second |
| 860007 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 860127 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 860127 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 860139 | xxxxxx |  | Qualifying Total Debt Income Ratio | 15.23 | 9.8 |
| 860143 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860143 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 860151 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 860151 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 860151 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 860236 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860236 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 860249 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860249 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 860265 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 860265 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 860289 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 860289 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860295 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860295 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 860321 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860322 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 860340 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 860379 | xxxxxx |  | Interest Rate | 7.125 | 7.25 |
| 860382 | xxxxxx |  | Qualifying FICO | 684 | 699 |
| 860386 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 860386 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 860386 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 860397 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860467 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860467 | xxxxxx |  | Qualifying Total Debt Income Ratio | 15.13 | 14.82 |
| 860477 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860477 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860478 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 860504 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860525 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860525 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 860525 | xxxxxx |  | Qualifying CLTV | 69.89 | 74.60 |
| 860525 | xxxxxx |  | Qualifying Total Debt Income Ratio | 48.44 | 46.00 |
| 860527 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 860527 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860615 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 860638 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 860730 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 860732 | xxxxxx |  | Qualifying FICO | 731 | 723 |
| 860771 | xxxxxx |  | Property Type | Townhouse | Single Family Detached |
| 860771 | xxxxxx |  | Qualifying Total Debt Income Ratio | 27.51 | 11.03 |
| 860783 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 860820 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 60 |
| 860838 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 860838 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 860875 | xxxxxx |  | Refinance Type | No Cash Out - Borrower Initiated | CashOutLimited |
| 860954 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860972 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 860982 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 861082 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 861082 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 861098 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 861156 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 861163 | xxxxxx |  | Prepayment Penalty Total Term | 24 | 0 |
| 861169 | xxxxxx |  | Interest Rate | 6.875 | 0.0688 |
| 861169 | xxxxxx |  | Property Type | Single Family Detached | SemiDetached |
| 861169 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 861169 | xxxxxx |  | Qualifying Interest Rate | 6.875 | 0.069 |
| 861179 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 861194 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 861194 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 861194 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861201 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 861201 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 861210 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 861226 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861235 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 861267 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 861267 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 861267 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 861267 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 861301 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 861301 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 861309 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 861309 | xxxxxx |  | Number of Units | 2 | 1 |
| 861309 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 861310 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 861310 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861331 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 861392 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 861405 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861409 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 861409 | xxxxxx |  | Interest Rate | 6.75 | 6.8750 |
| 861431 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 861439 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861439 | xxxxxx |  | Qualifying Total Debt Income Ratio | 40.24 | 52.29 |
| 861469 | xxxxxx |  | Qualifying FICO | 700 | 712 |
| 861475 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 861479 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861494 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 861494 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861494 | xxxxxx |  | Qualifying FICO | 713 | 699 |
| 861499 | xxxxxx |  | Qualifying FICO | 713 | 699 |
| 861569 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 861569 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 861585 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861614 | xxxxxx |  | Interest Rate | 6.875 | 0.0688 |
| 861614 | xxxxxx |  | Property Type | PUD | Attached |
| 861614 | xxxxxx |  | Qualifying Interest Rate | 6.875 | 0.069 |
| 861631 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 861718 | xxxxxx |  | Final Qualifying Property Value | xxxxxx | xxxxxx |
| 861718 | xxxxxx |  | Interest Rate | 6.875 | 0.0688 |
| 861718 | xxxxxx |  | Qualifying Interest Rate | 6.875 | 0.069 |
| 861734 | xxxxxx |  | Calculated DSCR | 1.05 | 1.0904 |
| 861788 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 861790 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 861795 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 861795 | xxxxxx |  | Qualifying CLTV | 60.18 | 65.00 |
| 861795 | xxxxxx |  | Qualifying LTV | 60.18 | 65.00 |
| 861797 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 861825 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 861985 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 861999 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 861999 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 862071 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 862082 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862116 | xxxxxx |  | Number of Units | 2 | 1 |
| 862116 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 862116 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 862120 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862190 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 24 |
| 862219 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 862243 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862336 | xxxxxx |  | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 862336 | xxxxxx |  | Calculated DSCR | 1.74 | 1.392 |
| 862336 | xxxxxx |  | Interest Rate | 7.375 | 0.0738 |
| 862336 | xxxxxx |  | Maturity Date | xxxxxx | xxxxxx |
| 862336 | xxxxxx |  | Qualifying Interest Rate | 7.375 | 0.074 |
| 862487 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862491 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862515 | xxxxxx |  | Final Qualifying Property Value | xxxxxx | xxxxxx |
| 862515 | xxxxxx |  | Qualifying Interest Rate | 7.125 | 0.071 |
| 862516 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 862516 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862523 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 862523 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862524 | xxxxxx |  | Borrower 2 Last Name | xxxxxx | xxxxxx |
| 862524 | xxxxxx |  | Maturity Date | xxxxxx | xxxxxx |
| 862524 | xxxxxx |  | Property Type | Single Family Detached | PUD |
| 862524 | xxxxxx |  | Qualifying Housing Debt Income Ratio | 15.39 | 13.04 |
| 862524 | xxxxxx |  | Qualifying Interest Rate | 6.625 | 0.066 |
| 862535 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 862535 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 862535 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862535 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 862536 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 862536 | xxxxxx |  | Calculated DSCR | 1.824 | 1.459 |
| 862536 | xxxxxx |  | Interest Rate | 6.875 | 0.0688 |
| 862536 | xxxxxx |  | Qualifying Interest Rate | 6.875 | 0.069 |
| 862546 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 862549 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 862612 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 862612 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 862648 | xxxxxx |  | Qualifying Total Debt Income Ratio | 46.53 | 49.08 |
| 862659 | xxxxxx |  | Qualifying Interest Rate | 6.5 | 0.065 |
| 862678 | xxxxxx |  | Borrower 1 First Name | xxxxxx | xxxxxx |
| 862678 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 862678 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 862686 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 862726 | xxxxxx |  | Originator Doc Type | 12 Month Bank Statement | Second |
| 862918 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 862918 | xxxxxx |  | Qualifying Total Debt Income Ratio | 20.05 | 30.36 |
| 862922 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 862922 | xxxxxx |  | Qualifying Total Debt Income Ratio | 22.57 | 19.02 |
| 863132 | xxxxxx |  | Refinance Type | No Cash Out - Borrower Initiated | CashOutOther |
| 863150 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 863159 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 863159 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 863159 | xxxxxx |  | Qualifying CLTV | 24.43 | 22.2394 |
| 863159 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 863159 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.28 | 40.31 |
| 863289 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 863327 | xxxxxx |  | Qualifying CLTV | 53.93 | 54.32 |
| 863355 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 863369 | xxxxxx |  | Originator Doc Type | 1YR 1099 Only | Second |
| 863383 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 863414 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 863414 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 863471 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 863471 | xxxxxx |  | Qualifying Total Debt Income Ratio | 42.19 | 39.79 |
| 863483 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 863483 | xxxxxx |  | Qualifying FICO | 642 | 640 |
| 863483 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.28 | 49.19 |
| 863498 | xxxxxx |  | Qualifying FICO | 762 | 760 |
| 863505 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 863505 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 863505 | xxxxxx |  | Qualifying FICO | 784 | 781 |
| 863512 | xxxxxx |  | Maturity Date | xxxxxx | xxxxxx |
| 863512 | xxxxxx |  | Qualifying Interest Rate | 7.125 | 0.071 |
| 863538 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 863538 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 863539 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 863540 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 863540 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 863540 | xxxxxx |  | Qualifying FICO | 738 | 737 |
| 863540 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 863569 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.1 | 46.78 |
| 863579 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 863622 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 863622 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 863667 | xxxxxx |  | Primary Mortgage or Rent Times 30 | 0 | 1 |
| 863730 | xxxxxx |  | Calculated DSCR | 1.289 | 1.031 |
| 863730 | xxxxxx |  | Interest Rate | 6.875 | 0.0688 |
| 863730 | xxxxxx |  | Maturity Date | xxxxxx | xxxxxx |
| 863730 | xxxxxx |  | Qualifying Interest Rate | 6.875 | 0.069 |
| 863751 | xxxxxx |  | Qualifying FICO | 781 | 780 |
| 863823 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 863823 | xxxxxx |  | Qualifying FICO | 636 | 637 |
| 863862 | xxxxxx |  | Qualifying Total Debt Income Ratio | 45.39 | 45.52 |
| 863898 | xxxxxx |  | Originator Doc Type | 1YR Full Doc | Second |
| 863904 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 863918 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 863996 | xxxxxx |  | Borrower 1 FTHB | false | 1 |
| 864000 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 864014 | xxxxxx |  | Qualifying Total Debt Income Ratio | 25.94 | 20.88 |
| 864029 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 864029 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 864044 | xxxxxx |  | Maturity Date | xxxxxx | xxxxxx |
| 864044 | xxxxxx |  | Property Type | Condominium | Condo |
| 864044 | xxxxxx |  | Qualifying Interest Rate | 6.75 | 0.068 |
| 864052 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 864064 | xxxxxx |  | Qualifying Total Debt Income Ratio | 22.39 | 19.11 |
| 864086 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 864086 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 864086 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 864086 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 864097 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 864097 | xxxxxx |  | Qualifying CLTV | 75 | 71.17 |
| 864097 | xxxxxx |  | Qualifying LTV | 75 | 71.17 |
| 864097 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 864114 | xxxxxx |  | Number of Units | 4 | 1 |
| 864146 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 864156 | xxxxxx |  | Final Qualifying Property Value | xxxxxx | xxxxxx |
| 864156 | xxxxxx |  | Property Type | Single Family Detached | Detached |
| 864156 | xxxxxx |  | Qualifying Interest Rate | 6.75 | 0.068 |
| 864163 | xxxxxx |  | Final Qualifying Property Value | xxxxxx | xxxxxx |
| 864250 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 864250 | xxxxxx |  | Qualifying Total Debt Income Ratio | 46.96 | 46.06 |
| 864258 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 864258 | xxxxxx |  | Qualifying CLTV | 68.37 | 65.10803 |
| 864277 | xxxxxx |  | Prepayment Penalty Total Term | 24 | Yes |
| 864281 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 864281 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 864288 | xxxxxx |  | Property Type | Single Family Detached | Detached |
| 864288 | xxxxxx |  | Qualifying Interest Rate | 7.75 | 0.078 |
| 864289 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 864292 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 864323 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 864323 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 864360 | xxxxxx |  | Qualifying FICO | 784 | 804 |
| 864363 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 864363 | xxxxxx |  | Qualifying FICO | 673 | 672 |
| 864392 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 864405 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 864405 | xxxxxx |  | Qualifying Total Debt Income Ratio | 31.98 | 47.30 |
| 864440 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 864440 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 864442 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 864447 | xxxxxx |  | Final Qualifying Property Value | xxxxxx | xxxxxx |
| 864504 | xxxxxx |  | Qualifying Total Debt Income Ratio | 40.71 | 37.68 |
| 864506 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 864511 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 60 |
| 864564 | xxxxxx |  | Qualifying Total Debt Income Ratio | 1.18 | 1.14 |
| 864564 | xxxxxx |  | Refinance Type | Cash Out - Other | No Cash Out - Borrower Initiated |
| 864588 | xxxxxx |  | B1 Verified Citizenship Designation | xxxxxx | xxxxxx |
| 864588 | xxxxxx |  | Qualifying FICO | 762 | 759 |
| 864608 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 864660 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 864663 | xxxxxx |  | Interest Rate | 7.875 | 0.0788 |
| 864663 | xxxxxx |  | Prepayment Penalty Flag | Y | N |
| 864663 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 864663 | xxxxxx |  | Property Type | Condominium | Condo |
| 864663 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 864663 | xxxxxx |  | Qualifying Housing Debt Income Ratio | 8.25 | 16.42 |
| 864663 | xxxxxx |  | Qualifying Interest Rate | 7.875 | 0.079 |
| 864786 | xxxxxx |  | Property Type | Single Family Detached | Detached |
| 864793 | xxxxxx |  | Qualifying Total Debt Income Ratio | 42.97 | 28.507 |
| 864805 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 864809 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 864809 | xxxxxx |  | Qualifying Total Debt Income Ratio | 48.94 | 48.4 |
| 864825 | xxxxxx |  | Verified Doc Type | 24 Month Bank Statement | 12 mo Business Bnk Stmnts |
| 864830 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 864831 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 864836 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 864867 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 864884 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 864905 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 864905 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 864905 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 864917 | xxxxxx |  | Property Type | Condominium | Detached Condo |
| 864984 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 864987 | xxxxxx |  | Qualifying Total Debt Income Ratio | 26.73 | 28.00 |
| 865164 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 865166 | xxxxxx |  | Qualifying Total Debt Income Ratio | 36.45 | 23.00 |
| 865175 | xxxxxx |  | Qualifying Total Debt Income Ratio | 30.09 | 30.00 |
| 865177 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 865193 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 865193 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 865256 | xxxxxx |  | Primary Mortgage or Rent Times 30day 24Months | 0 | 1 |
| 865256 | xxxxxx |  | Qualifying Total Debt Income Ratio | 44.32 | 43.18 |
| 865312 | xxxxxx |  | B1 Verified Citizenship Designation | xxxxxx | xxxxxx |
| 865312 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 865312 | xxxxxx |  | Qualifying Total Debt Income Ratio | 36.92 | 36.38 |
| 865359 | xxxxxx |  | Qualifying Total Debt Income Ratio | 36.27 | 18.46 |
| 865673 | xxxxxx |  | Qualifying FICO | 750 | 746 |
| 865680 | xxxxxx |  | Qualifying Total Debt Income Ratio | 15.31 | 17 |
| 865689 | xxxxxx |  | Business Purpose Flag | Yes | No |
| 865689 | xxxxxx |  | Qualifying FICO | 712 | 700 |
| 865690 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 865692 | xxxxxx |  | Qualifying Total Debt Income Ratio | 46.47 | 46.74 |
| 865771 | xxxxxx |  | Qualifying FICO | 770 | 763 |
| 865773 | xxxxxx |  | Calculated DSCR | 1.423 | 1.138 |
| 865773 | xxxxxx |  | Final Qualifying Property Value | xxxxxx | xxxxxx |
| 865773 | xxxxxx |  | Maturity Date | xxxxxx | xxxxxx |
| 865773 | xxxxxx |  | Note Date | xxxxxx | xxxxxx |
| 865773 | xxxxxx |  | Qualifying Interest Rate | 6.625 | 0.066 |
| 865776 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 865835 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 865845 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 865874 | xxxxxx |  | Qualifying Total Debt Income Ratio | 31.19 | 21.00 |
| 865888 | xxxxxx |  | B1 Verified Citizenship Designation | xxxxxx | xxxxxx |
| 865888 | xxxxxx |  | Borrower 1 FTHB | true | 0 |
| 865888 | xxxxxx |  | Qualifying FICO | 738 | 739 |
| 865888 | xxxxxx |  | Qualifying Total Debt Income Ratio | 45.13 | 44.57 |
| 865940 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 865940 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 865940 | xxxxxx |  | Qualifying Total Debt Income Ratio | 40.55 | 44.23 |
| 865955 | xxxxxx |  | B1 Verified Citizenship Designation | xxxxxx | xxxxxx |
| 865955 | xxxxxx |  | Qualifying Total Debt Income Ratio | 28.13 | 27.388 |
| 865987 | xxxxxx |  | Qualifying Total Debt Income Ratio | 39.01 | 40.83 |
| 866009 | xxxxxx |  | Final Qualifying Property Value | xxxxxx | xxxxxx |
| 866009 | xxxxxx |  | Loan Amount | xxxxxx | xxxxxx |
| 866009 | xxxxxx |  | Property Type | Two to Four Unit | Detached |
| 866009 | xxxxxx |  | Qualifying Interest Rate | 7.625 | 0.076 |
| 866009 | xxxxxx |  | Qualifying Total Debt Income Ratio | 47.45 | 47.47 |
| 866214 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 866214 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 866214 | xxxxxx |  | Qualifying Total Debt Income Ratio | 40.08 | 39.77 |
| 866247 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 866247 | xxxxxx |  | Qualifying Total Debt Income Ratio | 16.78 | 18.76 |
| 866295 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 866295 | xxxxxx |  | Qualifying Total Debt Income Ratio | 32.31 | 31.90 |
| 866380 | xxxxxx |  | Qualifying Total Debt Income Ratio | 38.23 | 39.1 |
| 866419 | xxxxxx |  | Property Type | Condominium | Detached Condo |
| 866448 | xxxxxx |  | Qualifying Total Debt Income Ratio | 41.16 | 41.421 |
| 866449 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 866449 | xxxxxx |  | Qualifying Total Debt Income Ratio | 36.6 | 38.261 |
| 866451 | xxxxxx |  | Qualifying Total Debt Income Ratio | 37.23 | 44.245 |
| 866518 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 866518 | xxxxxx |  | Property Type | Townhouse | Single Family Detached |
| 866655 | xxxxxx |  | Qualifying Total Debt Income Ratio | 38.33 | 38.135 |
| 866979 | xxxxxx |  | Property Zip Code | xxxxxx | xxxxxx |
| 867456 | xxxxxx |  | Qualifying Total Debt Income Ratio | 12.88 | 13.82 |
| 867457 | xxxxxx |  | Qualifying Total Debt Income Ratio | 25.43 | 30.58 |
| 868180 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 868180 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 868180 | xxxxxx |  | Qualifying Total Debt Income Ratio | 23.62 | 23 |

---

## Exhibit 99.13

**EXHIBIT 99.13**

**Canopy ATR QM REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 846143 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851004 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 851889 |  | xxxxxx | xxxxxx | 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 | 2792.06 | 6.835 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 60861.34 | Yes | Employed |  | No |  | No |  |
| 852284 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852643 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 852653 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 852793 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853113 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 87046.63 | N/A | Employed | Employed | No | No | Yes | Present |
| 853220 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853344 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853414 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 853454 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853476 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853512 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853537 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853655 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853890 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 853971 |  | xxxxxx | xxxxxx | 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 | Yes | 9841.9 | 6.916 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6603.13 | N/A | Employed |  | No |  | No |  |
| 854208 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854736 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 854866 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 854943 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855090 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855160 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855187 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855225 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855395 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855396 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 855419 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855467 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855617 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855783 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A |  |  | No |  | Yes | Present |
| 855787 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 855801 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 855834 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 856107 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 856108 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 856146 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856233 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856334 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 856336 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856564 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856600 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856607 |  | xxxxxx | xxxxxx | 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 | 5258 | 7.462 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7492 | Yes | Employed | Unknown | No | No | No |  |
| 856617 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -2231.05 |  |  |  | No |  | Yes | Present |
| 856643 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 8225.64 | 7.916 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2907.23 | N/A | Employed |  | No |  | No |  |
| 856752 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 856780 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes | Yes | Yes | Present |
| 856788 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856796 |  | xxxxxx | xxxxxx | 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 | 12841.25 | 7.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22319.16 | N/A | Employed |  | No |  | No |  |
| 856817 |  | xxxxxx | xxxxxx | 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 | 1495 | 7.466 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5308.11 | N/A | Employed |  | No |  | No |  |
| 856861 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 856982 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 857160 |  | xxxxxx | xxxxxx | 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 | Yes | 5946.41 | 7.472 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 3164 | N/A | Employed |  | No |  | No |  |
| 857180 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857184 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857193 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857199 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857214 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857347 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857358 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857394 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857408 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857486 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857494 |  | xxxxxx | xxxxxx | 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 | Yes | 7214.64 | 7.04 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2500.02 | N/A | Employed |  | No |  | No |  |
| 857585 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857749 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857773 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 857872 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | Yes |  | Yes | Present |
| 857884 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857885 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857893 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 857933 |  | xxxxxx | xxxxxx | 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 | Yes | 14108.8 | 7.352 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4753.85 | Yes | Employed |  | No |  | No |  |
| 858009 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858025 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858027 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858036 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858050 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 858051 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16129.48 | N/A | Employed |  | No |  | Yes | Present |
| 858091 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858106 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858157 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858220 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 14647.72 | 8.13 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 7024.57 | N/A | Employed |  | No |  | No |  |
| 858232 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858242 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 858246 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 858293 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858365 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858581 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 858641 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858643 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858644 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 858661 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858667 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858680 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858687 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858748 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858760 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858784 |  | xxxxxx | xxxxxx | 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 | Yes | 14185.29 | 7.457 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42923.33 | Yes | Employed |  | No |  | No |  |
| 858786 |  | xxxxxx | xxxxxx | 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 | 423 | 8.23 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4698.22 | Yes | Retired |  | No |  | No |  |
| 858835 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858845 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858865 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858886 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858890 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858918 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 858928 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 858961 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859036 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 859049 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859076 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 859094 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859132 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859135 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859147 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859151 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 859229 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859243 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859256 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859258 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859268 |  | xxxxxx | xxxxxx | 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 | Yes | 13946.9 | 6.799 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3120.55 | N/A | Employed |  | No |  | No |  |
| 859271 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 859307 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859309 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859314 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859451 |  | xxxxxx | xxxxxx | 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 | 4860.96 | 7.189 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9215.71 | Yes | Employed |  | No |  | No |  |
| 859467 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859607 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859623 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859631 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859635 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859636 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859648 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 859677 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859694 |  | xxxxxx | xxxxxx | 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 | 17249.05 | 8.055 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 85014.75 | Yes | Employed |  | No |  | No |  |
| 859721 |  | xxxxxx | xxxxxx | 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 | 4028.88 | 7.274 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7422.97 | Yes | Employed |  | No |  | No |  |
| 859728 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859755 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859758 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859763 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859815 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859822 |  | xxxxxx | xxxxxx | 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 | 2289.74 | 10.208 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7445.44 | N/A | Employed |  | No |  | No |  |
| 859835 |  | xxxxxx | xxxxxx | 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 | Yes | 8905.41 | 7.301 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21314.17 | Yes | Employed | Employed | No | No | No |  |
| 859838 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 859847 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859852 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859865 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 15233.64 | 8.152 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26911.06 | Yes | Employed |  | No |  | No |  |
| 859944 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859948 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 859952 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859965 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 859987 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860007 |  | xxxxxx | xxxxxx | 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 | 6795 | 8.704 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13278.44 | N/A | Employed | Employed | No | No | No |  |
| 860042 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860047 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860049 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860064 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 860076 |  | xxxxxx | xxxxxx | 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 | 3614.06 | 7.035 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5507.51 | Yes | Retired |  | No |  | No |  |
| 860127 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860130 |  | xxxxxx | xxxxxx | 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 | Yes | 14460.72 | 7.412 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7622.51 | N/A | Employed |  | No |  | No |  |
| 860139 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | 217941.01 | N/A | Employed |  | No |  | Yes | Present |
| 860143 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860151 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 860162 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 83617.64 | N/A | Employed |  | No |  | Yes | Present |
| 860233 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860236 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 860243 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860249 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860265 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860289 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860295 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860305 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860321 |  | xxxxxx | xxxxxx | 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 | 2363.42 | 7.535 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9330.94 | N/A | Employed | Employed | No | No | No |  |
| 860322 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860329 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 860340 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860346 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860356 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860379 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860382 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860386 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860390 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 860397 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 860411 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860414 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860440 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -10901 |  |  |  | No | No | Yes | Present |
| 860464 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 860467 |  | xxxxxx | xxxxxx | 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 | 3425.91 | 7.281 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16785.09 | N/A | Employed |  | No |  | No |  |
| 860477 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860478 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 860484 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860504 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860525 |  | xxxxxx | xxxxxx | 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 | 1550 | 7.842 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7316 | Yes | Employed | Employed | No | No | No |  |
| 860527 |  | xxxxxx | xxxxxx | 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 | 8183 | 7.16 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10893.58 | N/A | Employed |  | No |  | No |  |
| 860560 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860567 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860615 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860620 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860638 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860650 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860654 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860730 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 860732 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860737 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 860768 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860771 |  | xxxxxx | xxxxxx | 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 | 2275.35 | 9.555 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 15494.54 | N/A | Employed |  | No |  | No |  |
| 860783 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -3081 |  |  |  | No |  | Yes | Present |
| 860817 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 860820 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860838 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860854 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860867 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 860875 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 860894 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860918 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 860954 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 860972 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860978 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860982 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -5599 |  |  |  | No |  | Yes | Present |
| 860985 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860988 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860989 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860992 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 860994 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861082 |  | xxxxxx | xxxxxx | 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 | 13091.78 | 7.596 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11037.64 | N/A | Employed |  | No |  | No |  |
| 861090 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 5666 | 7.888 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3924.43 | Yes | Employed |  | No |  | No |  |
| 861098 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861141 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861156 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861163 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861169 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861175 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861179 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861194 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861201 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861210 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861226 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861235 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861255 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861266 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861267 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861301 |  | xxxxxx | xxxxxx | 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 | 1790 | 6.919 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25852.37 | Yes | Not Employed |  | No |  | No |  |
| 861307 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861309 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861310 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861331 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861348 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861392 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861401 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861405 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861409 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861417 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861425 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861431 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861436 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861439 |  | xxxxxx | xxxxxx | 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 | 1889.24 | 7.434 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8215.81 | Yes | Retired |  | No |  | No |  |
| 861444 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861469 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861475 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861479 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861486 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861494 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861495 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861499 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861569 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861576 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861580 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12167.14 | N/A | Employed | Retired | No | No | Yes | Present |
| 861585 |  | xxxxxx | xxxxxx | 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 | 1796.35 | 6.928 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7936.16 | Yes | Employed |  | No |  | No |  |
| 861595 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861614 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861615 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861631 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861660 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861718 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861724 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861734 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861746 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861750 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4353.72 | N/A | Employed |  | No |  | Yes | Present |
| 861767 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861785 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861787 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861788 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861790 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 861793 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861795 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861797 |  | xxxxxx | xxxxxx | 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 | 3279 | 9.042 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 14036.02 | N/A | Employed |  | No |  | No |  |
| 861822 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861825 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861985 |  | xxxxxx | xxxxxx | 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 | Yes | 15337.53 | 6.65 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 55172.17 | Yes | Employed |  | No |  | No |  |
| 861996 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 861999 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862012 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5333.52 | N/A | Retired | Not Employed | No | No | Yes | Present |
| 862015 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862071 |  | xxxxxx | xxxxxx | 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 | 1976.43 | 10.055 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 17906.9 | N/A | Employed |  | No |  | No |  |
| 862082 |  | xxxxxx | xxxxxx | 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 | Yes | 15444 | 6.981 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 53533.35 | N/A | Employed |  | No |  | No |  |
| 862098 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862116 |  | xxxxxx | xxxxxx | 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 | 1392.7 | 7.796 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 18957.36 | N/A | Employed |  | No |  | No |  |
| 862120 |  | xxxxxx | xxxxxx | 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 | Yes | 6229.13 | 7.088 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2837.25 | N/A | Retired | Retired | No | No | No |  |
| 862190 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862219 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862233 |  | xxxxxx | xxxxxx | 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 | 10495.94 | 8.299 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 44644.73 | N/A | Employed |  | No |  | No |  |
| 862243 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 862336 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 862487 |  | xxxxxx | xxxxxx | 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 | 1595 | 6.771 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 21507.93 | N/A | Employed |  | No |  | No |  |
| 862491 |  | xxxxxx | xxxxxx | 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 | 21183 | 7.905 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 56028 | Yes | Employed |  | No |  | No |  |
| 862504 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 862507 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862513 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862515 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862516 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862522 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862523 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862524 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21280.37 | N/A | Employed | Employed | No | No | Yes | Present |
| 862535 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862536 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862546 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862549 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 862560 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862569 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 862612 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862648 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 11685 | 8.521 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3509.35 | N/A | Employed | Employed | No | No | No |  |
| 862655 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 19054.68 | 7.531 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22176.89 | N/A | Employed |  | No |  | No |  |
| 862659 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862678 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A |  |  | No |  | Yes | Present |
| 862679 |  | xxxxxx | xxxxxx | 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 | 9312.5 | 6.775 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18466.07 | N/A | Employed |  | No |  | No |  |
| 862681 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 44268.05 | N/A | Employed |  | No |  | Yes | Present |
| 862686 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 862692 |  | xxxxxx | xxxxxx | 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 | 7337.4 | 7.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 29897.06 | N/A | Employed |  | No |  | No |  |
| 862693 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862695 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 862724 |  | xxxxxx | xxxxxx | 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 | 1790 | 7.46 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 10271.11 | N/A | Employed |  | No |  | No |  |
| 862726 |  | xxxxxx | xxxxxx | 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 | 3132.95 | 9.166 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 155067.89 | N/A | Employed |  | No |  | No |  |
| 862918 |  | xxxxxx | xxxxxx | 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 | Yes | 9132.5 | 8.286 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 24329.8 | Yes | Employed |  | No |  | No |  |
| 862922 |  | xxxxxx | xxxxxx | 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 | Yes | 5040 | 8.735 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 10953.82 | N/A | Employed |  | No |  | No |  |
| 862980 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 862991 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863016 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863026 |  | xxxxxx | xxxxxx | 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 | 23236.84 | 6.888 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27486.3 | Yes | Employed |  | No |  | No |  |
| 863035 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863036 |  | xxxxxx | xxxxxx | 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 | 14510 | 7.017 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7414.06 | Yes | Employed |  | No |  | No |  |
| 863132 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863145 |  | xxxxxx | xxxxxx | 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 | 5624.79 | 7.574 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 9999.29 | N/A | Employed | Employed | No | No | No |  |
| 863150 |  | xxxxxx | xxxxxx | 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 | 2090 | 6.662 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 692586.99 | Yes | Employed |  | No |  | No |  |
| 863159 |  | xxxxxx | xxxxxx | 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 | 2300 | 8.096 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 9276.6 | N/A | Employed | Employed | No | No | No |  |
| 863167 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863254 |  | xxxxxx | xxxxxx | 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 | 13157.5 | 7.314 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 72102.22 | N/A | Employed |  | No |  | No |  |
| 863278 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863289 |  | xxxxxx | xxxxxx | 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 | 14860 | 7.524 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13776.72 | N/A | Not Employed |  | No |  | No |  |
| 863296 |  | xxxxxx | xxxxxx | 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 | 34862.2 | 7.193 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 212102.63 | N/A | Employed |  | No |  | No |  |
| 863307 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863311 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863313 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 60520.63 | N/A | Employed |  | No |  | Yes | Present |
| 863316 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | 136401.14 | N/A | Employed |  | No |  | Yes | Present |
| 863327 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2918.52 | N/A | Employed |  | No |  | Yes | Present |
| 863354 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863355 |  | xxxxxx | xxxxxx | 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 | 2225 | 7.561 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17839.41 | N/A | Employed |  | No |  | No |  |
| 863366 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863369 |  | xxxxxx | xxxxxx | 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 | Yes | 6862.23 | 8.896 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 6097.93 | N/A | Employed |  | No |  | No |  |
| 863381 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863383 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 16470.1 | 8.06 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12260.45 | N/A | Employed | Employed | No | No | No |  |
| 863391 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 36715 | 8.021 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 88839.47 | N/A | Employed |  | No |  | No |  |
| 863414 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 1528.45 | 7.772 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9017.84 | N/A | Employed |  | No |  | No |  |
| 863418 |  | xxxxxx | xxxxxx | 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 | Yes | 9698.39 | 6.897 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3611.34 | Yes | Employed |  | No |  | No |  |
| 863429 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | 67052.53 | N/A | Employed |  | No |  | Yes | Present |
| 863431 |  | xxxxxx | xxxxxx | 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 | 1395 | 7.292 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9209.93 | Yes | Employed |  | No |  | No |  |
| 863439 |  | xxxxxx | xxxxxx | 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 | Yes | 19760 | 9.783 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 98529.74 | Yes | Employed |  | No |  | No |  |
| 863467 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11622.47 | N/A | Employed |  | No |  | Yes | Present |
| 863471 |  | xxxxxx | xxxxxx | 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 | 1720 | 7.568 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12930.8 | Yes | Not Employed |  | No |  | No |  |
| 863483 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 4635 | 8.832 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22011.77 | Yes | Employed | Not Employed | No | No | No |  |
| 863492 |  | xxxxxx | xxxxxx | 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 | 5750 | 7.077 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 79171.71 | Yes | Employed |  | No |  | No |  |
| 863495 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863498 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 863502 |  | xxxxxx | xxxxxx | 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 | 15415 | 7.125 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 30356.39 | N/A | Employed | Employed | No | No | No |  |
| 863505 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863512 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863538 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 863539 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863540 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863569 |  | xxxxxx | xxxxxx | 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 | 0 | 6.633 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6515.89 | Yes | Employed | Employed | No | No | No |  |
| 863579 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 9449.4 | 8.109 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26731.66 | Yes | Employed |  | No |  | No |  |
| 863622 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863638 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 16999 | 7.919 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9722.66 | Yes | Employed |  | No |  | No |  |
| 863667 |  | xxxxxx | xxxxxx | 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 | 6.904 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15313.07 | N/A | Employed |  | No |  | No |  |
| 863674 |  | xxxxxx | xxxxxx | 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 | 12315 | 7.023 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10413.7 | N/A | Employed |  | No |  | No |  |
| 863677 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 19624.84 | 8.178 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6970.56 | N/A | Employed | Not Employed | No | No | No |  |
| 863714 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863730 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863751 |  | xxxxxx | xxxxxx | 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 | 6041.88 | 9.088 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11356.37 | Yes | Employed |  | No |  | No |  |
| 863765 |  | xxxxxx | xxxxxx | 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 | 1850 | 7.585 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 107002.14 | N/A | Employed |  | No |  | No |  |
| 863823 |  | xxxxxx | xxxxxx | 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 | Yes | 19295 | 7.751 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5575.33 | N/A | Retired | Retired | No | No | No |  |
| 863834 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863857 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863862 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 5827.36 | 8.107 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3653.94 | N/A | Employed | Employed | No | No | No |  |
| 863894 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | 84047.74 | N/A | Employed |  | No |  | Yes | Present |
| 863898 |  | xxxxxx | xxxxxx | 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 | 3902.7 | 7.818 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3701.7 | N/A | Employed | Employed | No | No | No |  |
| 863904 |  | xxxxxx | xxxxxx | 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 | 1550 | 9.112 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 28777.71 | N/A | Employed |  | No |  | No |  |
| 863918 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 26285.47 | N/A | Employed |  | No |  | Yes | Present |
| 863979 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863981 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863982 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 863996 |  | xxxxxx | xxxxxx | 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 | 7204 | 7.585 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 30995.11 | N/A | Employed | Employed | No | No | No |  |
| 864000 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 864014 |  | xxxxxx | xxxxxx | 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 | 9181.75 | 9.087 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12776.48 | N/A | Not Employed | Employed | No | No | No |  |
| 864029 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 864044 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16709.97 | N/A | Employed | Employed | No | No | Yes | Present |
| 864047 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864052 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6153.54 | N/A | Employed |  | No |  | Yes | Present |
| 864062 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864064 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16064.4 | N/A | Employed |  | No |  | Yes | Present |
| 864086 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 5234.43 | 10.569 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11530.42 | Yes | Employed | Employed | No | No | No |  |
| 864094 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864097 |  | xxxxxx | xxxxxx | 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 | 12095.56 | 6.622 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 32305.19 | N/A | Employed | Employed | No | No | No |  |
| 864106 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864114 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864146 |  | xxxxxx | xxxxxx | 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 | 2540 | 7.401 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16058.3 | Yes | Employed |  | No |  | No |  |
| 864156 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12524.65 | N/A | Employed | Employed | No | No | Yes | Present |
| 864163 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18918.11 | N/A | Employed |  | No |  | Yes | Present |
| 864250 |  | xxxxxx | xxxxxx | 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 | 2680 | 9.645 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 5812.12 | N/A | Employed |  | No |  | No |  |
| 864258 |  | xxxxxx | xxxxxx | 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 | 3661.88 | 8.955 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 6952.26 | N/A | Employed |  | No |  | No |  |
| 864268 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 2375 | 8.066 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9294.76 | N/A | Employed |  | No |  | No |  |
| 864277 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | N/A | N/A | N/A | Yes | Yes | N/A | 84447.32 | N/A | Employed |  | No |  | Yes | Present |
| 864281 |  | xxxxxx | xxxxxx | 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 | 1795 | 7.598 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19893.06 | N/A | Employed | Not Employed | No | No | No |  |
| 864288 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864289 |  | xxxxxx | xxxxxx | 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 | 2290 | 7.169 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 79752.42 | Yes | Not Employed | Not Employed | No | No | No |  |
| 864292 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11110.17 | N/A | Employed |  | No |  | Yes | Present |
| 864323 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864351 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864360 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864363 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16913.89 | N/A | Employed | Employed | No | No | Yes | Present |
| 864392 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864405 |  | xxxxxx | xxxxxx | 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 | 10050 | 7.057 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24284.29 | Yes | Employed |  | No |  | No |  |
| 864440 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 11644.03 | 8.037 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 200418.62 | Yes | Employed | Employed | No | No | No |  |
| 864442 |  | xxxxxx | xxxxxx | 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 | 21894.98 | 7.301 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24130.65 | N/A | Employed |  | No |  | No |  |
| 864447 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 11967.46 | N/A | Employed |  | No |  | Yes | Present |
| 864504 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 148214.46 | N/A | Not Employed |  | No |  | Yes | Present |
| 864506 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7035.02 | N/A | Not Employed |  | No |  | Yes | Present |
| 864509 |  | xxxxxx | xxxxxx | 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 | 5205 | 7.705 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6590.48 | N/A | Employed | Employed | No | No | No |  |
| 864511 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -1106.12 |  |  |  | No |  | Yes | Present |
| 864516 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864558 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864564 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 13795 | 7.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1225836.47 | Yes | Employed |  | No |  | No |  |
| 864588 |  | xxxxxx | xxxxxx | 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 | 3822.5 | 7.47 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 82995.45 | Yes | Employed | Not Employed | No | No | No |  |
| 864603 |  | xxxxxx | xxxxxx | 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 | 2798.8 | 8.536 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13088.22 | Yes | Employed | Retired | No | No | No |  |
| 864608 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864649 |  | xxxxxx | xxxxxx | 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 | Yes | 28114.38 | 7.578 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12256.02 | N/A | Employed |  | No |  | No |  |
| 864658 |  | xxxxxx | xxxxxx | 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 | 2199.56 | 7.602 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14791.36 | N/A | Employed |  | No |  | No |  |
| 864660 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864663 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14945 | N/A | Employed |  | No |  | Yes | Present |
| 864688 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864705 |  | xxxxxx | xxxxxx | 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 | 23060 | 7.251 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 64954.19 | N/A | Employed | Employed | No | No | No |  |
| 864706 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 864708 |  | xxxxxx | xxxxxx | 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 | 27370 | 7.028 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 218641.13 | N/A | Employed |  | No |  | No |  |
| 864723 |  | xxxxxx | xxxxxx | 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 | 6252.5 | 7.349 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21638.05 | Yes | Unknown | Unknown | No | No | No |  |
| 864783 |  | xxxxxx | xxxxxx | 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 | 3756 | 9.065 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 4394.18 | N/A | Employed |  | No |  | No |  |
| 864785 |  | xxxxxx | xxxxxx | 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 | 21785 | 6.743 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 32952.97 | N/A | Employed |  | No |  | No |  |
| 864786 |  | xxxxxx | xxxxxx | 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 | 6.895 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23706.33 | Yes | Employed |  | No |  | No |  |
| 864793 |  | xxxxxx | xxxxxx | 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 | 7877 | 7.356 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7346.91 | Yes | Employed |  | No |  | No |  |
| 864805 |  | xxxxxx | xxxxxx | 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 | 8546.5 | 7.609 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35081.19 | Yes | Employed |  | No |  | No |  |
| 864809 |  | xxxxxx | xxxxxx | 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 | 1948 | 7.199 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3544.78 | Yes | Employed |  | No | No | No |  |
| 864812 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864814 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864815 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 100850.13 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 864817 |  | xxxxxx | xxxxxx | 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 | Yes | 15016 | 7.056 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8364.73 | Yes | Employed |  | No |  | No |  |
| 864818 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864819 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | 89523.41 | N/A | Employed |  | No |  | Yes | Present |
| 864820 |  | xxxxxx | xxxxxx | 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 | 7417.75 | 9.168 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10744.83 | N/A | Employed |  | No |  | No |  |
| 864821 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864822 |  | xxxxxx | xxxxxx | 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 | 8185 | 6.943 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 39660.48 | N/A | Employed |  | No |  | No |  |
| 864823 |  | xxxxxx | xxxxxx | 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 | 6655 | 6.853 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23378.47 | Yes | Employed |  | No |  | No |  |
| 864824 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 46618.74 | N/A | Employed |  | No |  | Yes | Present |
| 864825 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11968.26 | N/A | Employed |  | No |  | Yes | Present |
| 864827 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 7615 | 7.552 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9775.93 | Yes | Employed |  | No |  | No |  |
| 864828 |  | xxxxxx | xxxxxx | 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 | 11490 | 6.417 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7488.54 | N/A | Employed | Employed | No | No | No |  |
| 864829 |  | xxxxxx | xxxxxx | 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 | 13892.21 | 7.136 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15222.4 | Yes | Employed | Employed | No | No | No |  |
| 864830 |  | xxxxxx | xxxxxx | 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 | Yes | 9040 | 6.675 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4143.36 | Yes | Employed |  | No |  | No |  |
| 864831 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864834 |  | xxxxxx | xxxxxx | 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 | 11942.57 | 6.411 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21577.81 | Yes | Employed |  | No |  | No |  |
| 864835 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 864836 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 13078.75 | 7.713 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16812.52 | N/A | Employed |  | No |  | No |  |
| 864837 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 40753.76 | N/A | Employed |  | No |  | Yes | Present |
| 864838 |  | xxxxxx | xxxxxx | 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 | 7795 | 6.644 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15714.75 | Yes | Employed |  | No |  | No |  |
| 864839 |  | xxxxxx | xxxxxx | 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 | Yes | 7768.08 | 8.704 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6121.56 | N/A | Employed | Not Employed | No | No | No |  |
| 864843 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864844 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5356.96 | N/A | Employed |  | No |  | Yes | Present |
| 864845 |  | xxxxxx | xxxxxx | 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 | 9595 | 6.94 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18404.99 | Yes | Employed | Employed | No | No | No |  |
| 864846 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 14966.87 | 7.901 | Yes | Yes | No | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 35316.97 | N/A | Employed |  | No |  | No |  |
| 864847 |  | xxxxxx | xxxxxx | 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 | 24768.44 | 7.79 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 55956.87 | Yes | Employed |  | No |  | No |  |
| 864848 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20615.29 | N/A | Employed |  | No |  | Yes | Present |
| 864851 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 62518.67 | N/A | Employed |  | No |  | Yes | Present |
| 864852 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 62472.66 | N/A | Employed |  | No |  | Yes | Present |
| 864856 |  | xxxxxx | xxxxxx | 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 | 24500 | 6.394 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8634.66 | Yes | Employed |  | No |  | No |  |
| 864857 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 864867 |  | xxxxxx | xxxxxx | 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 | 6895 | 7.408 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19930.75 | N/A | Employed |  | No |  | No |  |
| 864876 |  | xxxxxx | xxxxxx | 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 | Yes | 39538 | 7.368 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20945.36 | N/A | Employed |  | No |  | No |  |
| 864884 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 864905 |  | xxxxxx | xxxxxx | 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 | 2953.92 | 8.87 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 2652.48 | N/A | Employed |  | No |  | No |  |
| 864917 |  | xxxxxx | xxxxxx | 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 | 6.939 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15602.97 | N/A | Employed | Not Employed | No | No | No |  |
| 864984 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 9425 | 8.201 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4185.71 | Yes | Employed |  | No |  | No |  |
| 864987 |  | xxxxxx | xxxxxx | 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 | 16780 | 7.199 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13510.52 | N/A | Employed |  | No |  | No |  |
| 865161 |  | xxxxxx | xxxxxx | 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 | 23520 | 7.004 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 615243.6 | N/A | Employed |  | No |  | No |  |
| 865164 |  | xxxxxx | xxxxxx | 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 | 4468.5 | 8.356 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 11964.16 | N/A | Employed | Retired | No | No | No |  |
| 865166 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 32397.87 | N/A | Employed |  | No |  | Yes | Present |
| 865175 |  | xxxxxx | xxxxxx | 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 | Yes | 19880 | 7.402 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14216.18 | Yes | Employed |  | No |  | No |  |
| 865177 |  | xxxxxx | xxxxxx | 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 | 1500 | 7.414 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 62885.11 | N/A | Employed | Employed | No | No | No |  |
| 865182 |  | xxxxxx | xxxxxx | 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 | 7231.92 | 7.087 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5936.24 | Yes | Employed |  | No |  | No |  |
| 865193 |  | xxxxxx | xxxxxx | 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 | Yes | 14398.3 | 8.955 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3834.45 | Yes | Employed |  | No |  | No |  |
| 865239 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | 6460 | 8.206 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4081.32 | N/A | Employed |  | No |  | No |  |
| 865255 |  | xxxxxx | xxxxxx | 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 | 2570 | 6.821 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8631.79 | N/A | Employed |  | No |  | No |  |
| 865256 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 14578.14 | N/A | Employed |  | No |  | Yes | Present |
| 865272 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6523.76 | N/A | Employed |  | No |  | Yes | Present |
| 865291 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 865312 |  | xxxxxx | xxxxxx | 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 | 1825 | 7.601 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9729.03 | N/A | Employed |  | No |  | No |  |
| 865334 |  | xxxxxx | xxxxxx | 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 | 6.674 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11805.58 | N/A | Employed |  | No |  | No |  |
| 865359 |  | xxxxxx | xxxxxx | 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 | 1905 | 7.29 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | 7825.27 | N/A | Employed |  | No |  | No |  |
| 865362 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 373232.5 | N/A | Employed | Employed | No | No | Yes | Present |
| 865382 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 865673 |  | xxxxxx | xxxxxx | 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 | 5540 | 7.229 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10322.39 | Yes | Employed | Not Employed | No | No | No |  |
| 865680 |  | xxxxxx | xxxxxx | 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 | Yes | 5398.64 | 9.314 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 13251.13 | N/A | Employed |  | No |  | No |  |
| 865689 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 865690 |  | xxxxxx | xxxxxx | 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 | 2171.44 | 9.057 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5862.28 | Yes | Employed |  | No |  | No |  |
| 865692 |  | xxxxxx | xxxxxx | 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 | 1790 | 7.937 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 9770.74 | N/A | Employed |  | No |  | No |  |
| 865762 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 865771 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 865773 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 865776 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 865833 |  | xxxxxx | xxxxxx | 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 | Yes | 10147.5 | 9.196 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 4824.43 | N/A | Employed |  | No |  | No |  |
| 865834 |  | xxxxxx | xxxxxx | 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 | 3240 | 8.971 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 13423.88 | N/A | Employed |  | No |  | No |  |
| 865835 |  | xxxxxx | xxxxxx | 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 | Yes | 7689.9 | 9.454 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 6463.61 | Yes | Employed |  | No |  | No |  |
| 865836 |  | xxxxxx | xxxxxx | 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 | 8390 | 7.684 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4899.84 | N/A | Employed |  | No |  | No |  |
| 865837 |  | xxxxxx | xxxxxx | 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 | 9741.25 | 7.211 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6191.39 | Yes | Employed |  | No |  | No |  |
| 865838 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 9170 | 7.602 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3004.6 | N/A | Employed |  | No |  | No |  |
| 865839 |  | xxxxxx | xxxxxx | 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 | Yes | 4615 | 7.427 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11461.02 | N/A | Employed |  | No |  | No |  |
| 865845 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  | Unknown |  | No |  | Yes | Present |
| 865874 |  | xxxxxx | xxxxxx | 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 | 5927.5 | 7.405 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14205.61 | Yes | Employed | Employed | No | No | No |  |
| 865888 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17401.1 | N/A | Employed | Retired | No | No | Yes | Present |
| 865940 |  | xxxxxx | xxxxxx | 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 | 2394.24 | 7.431 | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18852.48 | N/A | Employed | Employed | No | No | No |  |
| 865955 |  | xxxxxx | xxxxxx | 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 | Yes | 13755 | 7.656 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9567.66 | Yes | Employed |  | No |  | No |  |
| 865974 |  | xxxxxx | xxxxxx | 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 | 7.043 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 50235.32 | N/A | Employed |  | No |  | No |  |
| 865987 |  | xxxxxx | xxxxxx | 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 | Yes | 10815 | 7.754 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20006.8 | Yes | Employed |  | No |  | No |  |
| 866009 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 10858.08 | N/A | Employed |  | No |  | Yes | Present |
| 866203 |  | xxxxxx | xxxxxx | 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 | 2325 | 7.192 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10510.15 | N/A | Employed | Not Employed | No | No | No |  |
| 866214 |  | xxxxxx | xxxxxx | 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 | 6665 | 8.082 | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 39711.69 | N/A | Employed |  | No |  | No |  |
| 866220 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 15333.76 | 9.06 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10032.13 | N/A | Employed | Employed | No | No | No |  |
| 866222 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 866247 |  | xxxxxx | xxxxxx | 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 | 1790 | 7.056 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34741.66 | Yes | Employed | Employed | No | No | No |  |
| 866295 |  | xxxxxx | xxxxxx | 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 | 19507.5 | 7.691 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22485.05 | N/A | Employed |  | No |  | No |  |
| 866380 |  | xxxxxx | xxxxxx | 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 | 16997.96 | 6.93 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 8501.92 | N/A | Employed | Employed | No | No | No |  |
| 866417 |  | xxxxxx | xxxxxx | 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 | 12615 | 6.95 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25845.9 | N/A | Employed |  | No |  | No |  |
| 866419 |  | xxxxxx | xxxxxx | 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 | 2570 | 7.292 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19234.58 | N/A | Employed |  | No |  | No |  |
| 866444 |  | xxxxxx | xxxxxx | 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 | Yes | 5005 | 8.123 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 13614.02 | N/A | Employed |  | No |  | No |  |
| 866445 |  | xxxxxx | xxxxxx | 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 | 9539.25 | 8.639 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 58826.59 | N/A | Employed |  | No |  | No |  |
| 866446 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18646.94 | N/A | Employed |  | No |  | Yes | Present |
| 866448 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 16171 | 8.146 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5586.16 | Yes | Employed | Employed | No | No | No |  |
| 866449 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 9280 | 8.067 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4142.87 | Yes | Employed | Employed | No | No | No |  |
| 866451 |  | xxxxxx | xxxxxx | 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 | 14655 | 6.867 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16477.61 | N/A | Employed |  | No |  | No |  |
| 866452 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 7165 | 8.297 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 2314.53 | N/A | Employed |  | No |  | No |  |
| 866456 |  | xxxxxx | xxxxxx | 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 | Yes | 13719.69 | 7.562 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6562.41 | Yes | Employed |  | No |  | No |  |
| 866514 |  | xxxxxx | xxxxxx | 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 | 13425 | 8.582 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 105290.97 | N/A | Employed |  | No |  | No |  |
| 866518 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 72083.48 | N/A | Employed |  | No |  | Yes | Present |
| 866655 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 29587.68 | N/A | Employed |  | No |  | Yes | Present |
| 866979 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 867029 |  | xxxxxx | xxxxxx | 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 | Yes | 28995 | 7.281 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 30553.05 | N/A | Employed |  | No |  | No |  |
| 867456 |  | xxxxxx | xxxxxx | 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 | 2214 | 7.095 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 46748.06 | Yes | Employed |  | No |  | No |  |
| 867457 |  | xxxxxx | xxxxxx | 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 | Yes | No | No | No | No | No | 2369 | 7.19 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14642.54 | N/A | Employed |  | No |  | No |  |
| 867460 |  | xxxxxx | xxxxxx | 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 | 7409 | 6.758 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8112.32 | Yes | Employed | Employed | No | No | No |  |
| 867856 |  | xxxxxx | xxxxxx | 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 | 7.185 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19989.98 | N/A | Employed |  | No |  | No |  |
| 868180 |  | xxxxxx | xxxxxx | 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 | 14185 | 7.517 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 141508.84 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.14

**EXHIBIT 99.14**

**Canopy VALUATION Report**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **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** |
| 846143 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 43.55 | 43.55 | xxxxxx | xxxxxx | .0597 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0597 | 88.0 | 0.12 | xxxxxx | xxxxxx | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851004 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-22-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851889 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 10-16-2025 |
| 852284 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | Other |  |  |  | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852643 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-11-2025 | Other |  |  |  | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | .0500 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0500 | xxxxxx | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852653 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852793 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-06-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.01 | 63.01 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 01-16-2026 |
| 853113 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-16-2026 |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-16-2025 | Eligible |  |  |
| 853220 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.5 | 54.5 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 | Eligible | 1.4 | 11-10-2025 |
| 853344 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 11-10-2025 | Not Eligible | 3 |  |
| 853414 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-17-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.34 | 67.34 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853454 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-11-2025 | Eligible | 1 | 11-11-2025 |
| 853476 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 10-28-2025 | Eligible | 1 | 10-28-2025 |
| 853512 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.69 | 29.69 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-13-2025 | Eligible | 2.3 | 12-13-2025 |
| 853537 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-08-2025 | 71A | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.94 | 36.94 | xxxxxx | xxxxxx | .0286 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0286 | xxxxxx | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853655 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-21-2025 | Eligible | 1 | 11-21-2025 |
| 853890 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-24-2026 | Other |  |  |  | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0123 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0123 | xxxxxx | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853971 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.9 | 46.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-25-2026 | Eligible | 1 | 01-25-2026 |
| 854208 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 12-18-2025 | Not Eligible | 1 |  |
| 854736 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.48 | 64.48 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-14-2025 | Eligible | 1 | 11-14-2025 |
| 854866 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.73 | 64.73 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 11-26-2025 |
| 854943 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.26 | 54.26 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | 01-08-2026 |
| 855090 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.71 | 64.71 | xxxxxx | xxxxxx | -.0228 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0228 | 92.0 | 0.08 | xxxxxx | xxxxxx | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-15-2026 |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 | Eligible |  |  |
| 855160 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.88 | 52.88 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-11-2025 |
| 855187 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.07 | 59.07 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855225 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 02-04-2026 | Not Eligible | 1.9 | 02-04-2026 |
| 855395 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-12-2025 |
| 855396 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855419 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.97 | 55.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 11-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 11-20-2025 | Not Eligible |  |  |
| 855467 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 855617 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 | Eligible | 1 | 01-23-2026 |
| 855783 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.56 | 54.56 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855787 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0833 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0833 | xxxxxx | LOW RISK | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855801 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 |
| 855834 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-21-2025 |
| 856107 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-21-2025 |
| 856108 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-26-2025 |
| 856146 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 22.16 | 22.16 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856233 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.0 | 62.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 |
| 856334 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 44.0 | 44.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-20-2025 |
| 856336 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-22-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856564 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.58 | 63.58 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-14-2025 | Eligible | 1 | 12-14-2025 |
| 856600 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 12-15-2025 |
| 856607 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-29-2026 |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-16-2025 | Eligible | 1 | 12-16-2025 |
| 856617 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.59 | 53.59 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856643 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 | Eligible | 1 | 03-24-2026 |
| 856752 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 12-14-2025 |
| 856780 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.9 | 55.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-09-2025 |
| 856788 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.84 | 37.84 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-09-2026 | Eligible | 1 | 01-09-2026 |
| 856796 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.02 | 70.02 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-25-2026 | Eligible | 1 | 03-25-2026 |
| 856817 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-15-2026 |
| 856861 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.79 | 62.79 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 01-23-2026 | Not Eligible | 1 | 01-23-2026 |
| 856982 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-24-2025 | Eligible | 1 | 12-24-2025 |
| 857160 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 34.89 | 34.89 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857180 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 12-25-2025 |
| 857184 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 12-25-2025 |
| 857193 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-09-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857199 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.44 | 59.44 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-07-2026 | Eligible | 1 | 01-07-2026 |
| 857214 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857347 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-22-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857358 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.14 | 58.14 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 01-06-2026 | Not Eligible | 1.1 | 01-06-2026 |
| 857394 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0756 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0756 | xxxxxx | Low Risk | 01-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 857408 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.05 | 57.05 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 |
| 857486 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 11-21-2025 |
| 857494 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.82 | 50.82 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-11-2026 |
| 857585 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 | Eligible | 1 | 01-20-2026 |
| 857749 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 | Eligible | 1 | 12-30-2025 |
| 857773 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-29-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.64 | 63.64 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 01-02-2026 |
| 857872 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 01-07-2026 |
| 857884 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.64 | 63.64 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-23-2025 | Eligible |  |  |
| 857885 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.94 | 66.94 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857893 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.59 | 58.59 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 | Eligible | 1 | 01-27-2026 |
| 857933 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.37 | 64.37 | xxxxxx | xxxxxx | -.0847 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0847 | 91.0 | 0.09 | xxxxxx | Other | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-06-2026 |
| 858009 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.0 | 45.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-02-2026 |
| 858025 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.35 | 54.35 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-03-2025 |
| 858027 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 |
| 858036 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-26-2025 | Eligible | 3.2 | 12-26-2025 |
| 858050 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 43.51 | 43.51 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2026 |
| 858051 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.99 | 79.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-11-2026 |
| 858091 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 12-23-2025 |
| 858106 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-07-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858157 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-31-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.92 | 65.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858220 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.26 | 69.26 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 01-28-2026 |
| 858232 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 |
| 858242 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-03-2026 |  |  |  |  |  |  |  |  |  |  | 0 | 02-04-2026 | Not Eligible | 1 | 02-04-2026 |
| 858246 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 |
| 858293 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858365 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.93 | 58.93 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-14-2026 | Eligible | 1 | 01-14-2026 |
| 858581 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-15-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0766 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0766 | xxxxxx | Moderate Risk | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-19-2026 | Eligible | 3.9 |  |
| 858641 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.74 | 72.74 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 02-19-2026 | Not Eligible | 1 | 02-19-2026 |
| 858643 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.59 | 66.59 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-19-2026 |
| 858644 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.96 | 61.96 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-10-2026 | Eligible | 1.6 | 03-10-2026 |
| 858661 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-24-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.5 | 68.5 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-06-2026 | Eligible |  |  |
| 858667 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 02-02-2026 |
| 858680 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.75 | 58.75 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-11-2026 | Eligible |  |  |
| 858687 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858748 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-13-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.59 | 54.59 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858760 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 |
| 858784 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.08 | 67.08 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 04-06-2026 | Not Eligible | 1 | 04-06-2026 |
| 858786 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-28-2026 | AVM |  |  |  | xxxxxx | 17.1 | 66.19 | xxxxxx | xxxxxx | -.0081 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0081 | xxxxxx | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |
| 858835 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 |
| 858845 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-13-2026 |
| 858865 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 02-02-2026 |
| 858886 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 32.57 | 32.57 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 02-17-2026 |
| 858890 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.44 | 58.44 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-20-2026 | Eligible | 1 | 01-20-2026 |
| 858918 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0400 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0400 | xxxxxx | Moderate Risk | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 12-22-2025 |
| 858928 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-27-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858961 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.49 | 61.49 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 |
| 859036 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-03-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-05-2026 | Eligible |  |  |
| 859049 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-15-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.92 | 69.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859076 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-05-2026 | Eligible | 1 | 02-05-2026 |
| 859094 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-04-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.57 | 59.57 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859132 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-23-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.62 | 67.62 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 01-27-2026 |
| 859135 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-28-2026 | Eligible | 2.6 |  |
| 859147 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-04-2026 |
| 859151 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-10-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.0 | 56.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859229 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-26-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859243 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.05 | 52.05 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-24-2026 | Eligible | 1 | 02-24-2026 |
| 859256 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 40.3 | 40.3 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-16-2026 |
| 859258 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | ModerateRisk | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 02-19-2026 |
| 859268 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 40.74 | 40.74 | xxxxxx | xxxxxx | -.0813 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0813 | 93.0 | 0.07 | xxxxxx | xxxxxx | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859271 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 01-28-2026 |
| 859307 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0805 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0805 | 89.0 | 0.11 | xxxxxx | xxxxxx | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859309 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859314 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.11 | 68.11 | xxxxxx | xxxxxx | -.0893 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0893 | 93.0 | 0.07 | xxxxxx | xxxxxx | 12-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859451 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.68 | 37.68 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 |
| 859467 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 32.39 | 32.39 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-05-2026 |
| 859607 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-06-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.31 | 48.31 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-31-2026 |
| 859623 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-19-2026 | Eligible | 1 | 01-19-2026 |
| 859631 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 999 | 02-16-2026 |
| 859635 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-27-2026 |
| 859636 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.04 | 68.04 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 |
| 859648 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-18-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.15 | 53.15 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 |
| 859677 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.69 | 63.69 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-04-2026 | Eligible | 1 | 02-04-2026 |
| 859694 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-31-2026 |
| 859721 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-17-2026 |
| 859728 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 01-29-2026 |
| 859755 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-04-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-05-2025 |  | 0 |  |
| 859758 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-24-2026 |
| 859763 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.73 | 29.73 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 02-23-2026 | Not Eligible | 1 | 02-23-2026 |
| 859815 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859822 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 16.78 | 85.0 | xxxxxx | xxxxxx | .0099 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0099 | 94.0 | 0.06 | xxxxxx | xxxxxx | 02-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2026 | Eligible | 1 | 04-21-2026 |
| 859835 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.19 | 65.19 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 02-26-2026 | Not Eligible | 1 | 02-26-2026 |
| 859838 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-28-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.98 | 64.98 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | As-Is Price | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859847 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-30-2026 | Eligible |  |  |
| 859852 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-01-2026 |
| 859865 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 89.65 | 89.65 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 03-19-2026 |
| 859944 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-25-2026 |
| 859948 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-06-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.43 | 51.43 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | REASONABLE | 02-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859952 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-11-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859965 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 03-04-2026 |
| 859987 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.69 | 63.69 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-09-2026 | Eligible |  |  |
| 860007 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11.82 | 30.87 | xxxxxx | xxxxxx | -.0094 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0094 | xxxxxx | Moderate Risk | 04-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 02-23-2026 |
| 860042 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860047 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.28 | 21.28 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-05-2026 | Eligible | 1 | 02-05-2026 |
| 860049 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-23-2026 | Eligible | 1 | 02-23-2026 |
| 860064 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.27 | 71.27 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-22-2026 |
| 860076 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 39.84 | 39.84 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-18-2026 | Eligible | 1.1 | 03-18-2026 |
| 860127 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-13-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 01-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860130 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 |
| 860139 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.0 | 64.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2026 |
| 860143 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-11-2026 | Eligible |  |  |
| 860151 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-11-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860162 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-26-2026 |  |  |  |  |  |  |  |  |  |  | 2 | 04-10-2026 | Eligible | 1 | 04-10-2026 |
| 860233 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-03-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 | Eligible | 1 | 02-19-2026 |
| 860236 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.14 | 57.14 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | REASONABLE | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | 02-20-2026 |
| 860243 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860249 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.02 | 52.02 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-28-2026 |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-02-2026 | Eligible | 1 | 03-02-2026 |
| 860265 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-21-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | -.0682 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0682 | xxxxxx | Moderate Risk | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860289 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 01-28-2026 |
| 860295 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.46 | 68.46 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860305 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.23 | 54.23 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-09-2026 |
| 860321 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-07-2026 |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 | Eligible | 1 | 02-04-2026 |
| 860322 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860329 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860340 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-22-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LowRisk | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860346 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 02-13-2026 | Not Eligible | 1.8 | 02-13-2026 |
| 860356 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-18-2026 | Eligible | 1 | 02-18-2026 |
| 860379 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.37 | 62.37 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-04-2026 |
| 860382 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.97 | 69.97 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 |
| 860386 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-20-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | REASONABLE | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 03-05-2026 |
| 860390 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-12-2025 |
| 860397 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-18-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.43 | 65.43 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 02-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860411 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 | Eligible | 1.4 | 02-09-2026 |
| 860414 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-21-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860440 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-24-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 03-04-2026 |
| 860464 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.63 | 67.63 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 | Eligible | 1.6 | 01-26-2026 |
| 860467 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.04 | 56.04 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860477 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 25.29 | 25.29 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-06-2026 | Eligible | 1 | 03-06-2026 |
| 860478 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-06-2026 |
| 860484 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 02-23-2026 | Not Eligible | 2.2 | 02-23-2026 |
| 860504 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 |
| 860525 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2026 | 2055 Exterior Only Inspection Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 22.17 | 69.89 | xxxxxx | xxxxxx | -.0616 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0616 | 93.0 | 0.07 | xxxxxx | xxxxxx | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860527 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.92 | 78.92 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-02-2026 | Eligible | 1 | 04-02-2026 |
| 860560 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 03-02-2026 |
| 860567 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.85 | 53.85 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 02-02-2026 |
| 860615 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.31 | 50.31 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 |
| 860620 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-22-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 02-17-2026 |
| 860638 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-19-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-07-2026 |
| 860650 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-27-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 40.62 | 40.62 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860654 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-04-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-06-2026 | Eligible | 1.1 | 02-06-2026 |
| 860730 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2026 |
| 860732 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.74 | 73.74 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-11-2026 | Eligible | 1 | 02-11-2026 |
| 860737 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 |
| 860768 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-21-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.62 | 46.62 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 03-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860771 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20.59 | 79.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 |
| 860783 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-10-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.91 | 65.91 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860817 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-02-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 33.33 | 33.33 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-05-2026 |
| 860820 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-17-2026 | Eligible | 1 | 02-17-2026 |
| 860838 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-20-2026 | Eligible | 1 | 02-20-2026 |
| 860854 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 02-18-2026 |
| 860867 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.33 | 63.33 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 | Eligible |  |  |
| 860875 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 02-17-2026 | Not Eligible | 1.4 | 02-17-2026 |
| 860894 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-17-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.46 | 38.46 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | ModerateRisk | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2026 |
| 860918 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-06-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.8 | 56.8 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 02-20-2026 | Not Eligible |  |  |
| 860954 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-03-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.25 | 58.25 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-05-2026 |
| 860972 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-11-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860978 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 |
| 860982 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.17 | 54.17 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860985 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 |
| 860988 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 |
| 860989 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-24-2026 | Eligible | 1 | 02-24-2026 |
| 860992 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-25-2026 | Eligible | 1 | 02-25-2026 |
| 860994 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | -.0033 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0033 | xxxxxx | MODERATE RISK | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 |
| 861082 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | -.0108 | xxxxxx | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-21-2026 |
| 861090 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 |
| 861098 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.32 | 72.32 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 |
| 861141 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-02-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.5 | 62.5 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-01-2026 |
| 861156 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-19-2026 | Eligible |  |  |
| 861163 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.98 | 64.98 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-05-2026 | Eligible | 1.2 | 01-05-2026 |
| 861169 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.2 | 69.2 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-16-2025 |
| 861175 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-05-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-19-2026 |
| 861179 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861194 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-11-2026 | Eligible |  |  |
| 861201 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-06-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.31 | 49.31 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861210 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 03-20-2026 |
| 861226 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | . | 03-02-2026 | Not Eligible | 1 | 03-02-2026 |
| 861235 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.55 | 54.55 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-07-2026 | Eligible |  |  |
| 861255 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-29-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.04 | 37.04 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-02-2026 |
| 861266 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.35 | 69.35 | xxxxxx | xxxxxx | -.0319 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0319 | 93.0 | 0.07 | xxxxxx | Other | 02-24-2026 | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 861267 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 41.09 | 41.09 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861301 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-29-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 02-03-2026 |
| 861307 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-06-2026 | Eligible | 1 | 03-06-2026 |
| 861309 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-13-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOWRISK | 02-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861310 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 | Eligible | 2 | 03-18-2026 |
| 861331 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861348 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-18-2026 | 71A | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861392 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.87 | 67.87 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-07-2026 |
| 861401 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.1 | 67.1 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2026 |
| 861405 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861409 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.31 | 66.31 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-17-2026 | Eligible | 1.1 | 02-17-2026 |
| 861417 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 03-12-2026 | Not Eligible | 1 | 03-17-2026 |
| 861425 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-21-2026 | Eligible |  |  |
| 861431 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-07-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861436 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.97 | 58.97 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 02-26-2026 |
| 861439 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2026 | Eligible | 1 | 03-25-2026 |
| 861444 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.54 | 61.54 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-26-2026 | Eligible | 1 | 02-26-2026 |
| 861469 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-01-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-09-2026 |
| 861475 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.28 | 58.28 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 |
| 861479 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.6 | 61.6 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 |
| 861486 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-27-2026 |
| 861494 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-26-2026 |
| 861495 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861499 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.69 | 57.69 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 02-26-2026 | Not Eligible | 1 | 02-26-2026 |
| 861569 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.44 | 67.44 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-15-2026 | Eligible |  |  |
| 861576 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-02-2026 |
| 861580 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.62 | 71.62 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-06-2026 |
| 861585 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-05-2026 |
| 861595 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-10-2026 | Eligible | 1.6 | 03-10-2026 |
| 861614 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-06-2026 | Eligible | 2.3 | 02-06-2026 |
| 861615 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-02-2026 |
| 861631 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-19-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861660 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.46 | 62.46 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-04-2026 |
| 861718 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861724 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 03-05-2026 |
| 861734 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-27-2026 |
| 861746 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.45 | 56.45 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-16-2026 |
| 861750 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 30.43 | 30.43 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-20-2026 |
| 861767 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-02-2026 |
| 861785 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.86 | 59.86 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-19-2026 | Not Eligible | 1 | 03-19-2026 |
| 861787 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-17-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 02-24-2026 |
| 861788 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-01-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-11-2026 | Eligible | 2.2 | 03-11-2026 |
| 861790 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-02-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.56 | 63.56 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-11-2026 | Eligible | 3.6 |  |
| 861793 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 |
| 861795 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.18 | 60.18 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-01-2026 |
| 861797 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-04-2026 | AVM |  |  |  | xxxxxx | 9.74 | 59.03 | xxxxxx | xxxxxx | .0093 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0093 | 93.0 | 0.07 | xxxxxx | xxxxxx | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861822 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-02-2026 | Eligible | 1 | 03-02-2026 |
| 861825 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-18-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 | Eligible | 1 | 02-19-2026 |
| 861985 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 32.18 | 32.18 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 03-31-2026 | Not Eligible | 1.3 | 03-31-2026 |
| 861996 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.73 | 71.73 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-16-2026 |
| 861999 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-26-2026 | Not Eligible | 2 | 03-26-2026 |
| 862012 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-26-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-27-2026 | Eligible | 1 | 02-27-2026 |
| 862015 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-06-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.62 | 36.62 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-14-2026 |
| 862071 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.0 | 90.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862082 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.81 | 54.81 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-07-2026 |
| 862098 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-12-2026 |
| 862116 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-22-2025 | AVM |  |  |  | xxxxxx | 16.02 | 75.0 | xxxxxx | xxxxxx | -.0053 | 1004 URAR |  |  |  |  | x | xxxxxx | -.0053 | xxxxxx | 1004 URAR | xxxxxx | xxxxxx | .0053 | 91.0 | 0.09 | xxxxxx | xxxxxx | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 862120 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.11 | 49.11 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 |
| 862190 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-01-2026 | Eligible | 1 | 04-01-2026 |
| 862219 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-08-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | .0104 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | INDETERMINATE | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0104 | 03-08-2026 |  |  |  |  |  |  |  |  |  |  |  |
| 862233 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-13-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.28 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-09-2026 | Eligible | 1.6 | 04-09-2026 |
| 862243 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-11-2026 | Eligible | 1 | 02-11-2026 |
| 862336 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 04-16-2026 |
| 862487 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-24-2026 | Eligible | 1 | 03-24-2026 |
| 862491 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.38 | 65.38 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-16-2026 |
| 862504 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-17-2026 | Eligible | 1.2 |  |
| 862507 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-09-2026 |
| 862513 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-09-2026 |
| 862515 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-17-2026 | Eligible | 2.4 | 03-24-2026 |
| 862516 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0209 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0209 | 98.0 | 0.02 | xxxxxx | xxxxxx | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-30-2026 |
| 862522 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-10-2026 |
| 862523 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.65 | 70.65 | xxxxxx | xxxxxx | .0247 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0247 | 100.0 | 0.0 | xxxxxx | xxxxxx | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-30-2026 |
| 862524 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.0 | 64.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 04-09-2026 |
| 862535 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.98 | 74.98 | xxxxxx | xxxxxx | .0032 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0032 | 99.0 | 0.01 | xxxxxx | xxxxxx | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-30-2026 |
| 862536 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2026 | Eligible | 1 | 03-25-2026 |
| 862546 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-08-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 35.42 | 35.42 | xxxxxx | xxxxxx | .0104 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0104 | xxxxxx | 04-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862549 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-16-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.16 | 47.16 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-16-2026 |
| 862560 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.54 | 67.54 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2026 |
| 862569 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-09-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.32 | 46.32 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862612 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-09-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.52 | 64.52 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-17-2026 |
| 862648 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 04-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 04-16-2026 |
| 862655 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 |
| 862659 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.64 | 47.64 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-18-2026 | Eligible |  |  |
| 862678 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-08-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.94 | 64.94 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 03-10-2026 |
| 862679 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 03-09-2026 |
| 862681 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-16-2026 |
| 862686 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 862692 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 04-01-2026 | Not Eligible |  |  |
| 862693 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.21 | 67.21 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862695 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 04-10-2026 |
| 862724 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 16.75 | 57.16 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862726 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12.43 | 69.62 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-12-2026 |
| 862918 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-18-2026 | Broker Price Opinion (BPO) |  |  |  | xxxxxx | 25.15 | 47.91 | xxxxxx | xxxxxx | -.0113 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0113 | 89.0 | 0.11 | xxxxxx | xxxxxx | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862922 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-13-2026 | AVM |  |  |  | xxxxxx | 42.38 | 79.95 | xxxxxx | xxxxxx | .0026 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0026 | 92.0 | 0.08 | xxxxxx | xxxxxx | 06-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862980 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 | Eligible | 1 | 03-18-2026 |
| 862991 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-16-2026 |
| 863016 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-06-2026 | Eligible | 1.9 | 03-06-2026 |
| 863026 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 305 | 03-10-2026 | Not Eligible | 1.7 | 03-10-2026 |
| 863035 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 03-13-2026 |
| 863036 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-06-2026 |
| 863132 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.72 | 56.72 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-17-2026 |
| 863145 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-03-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2026 | Eligible | 1 | 04-08-2026 |
| 863150 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-29-2026 | Eligible |  |  |
| 863159 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 3.15 | 24.43 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2026 |
| 863167 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-26-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.86 | 52.86 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863254 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.46 | 73.46 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863278 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-16-2026 |
| 863289 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 03-11-2026 |
| 863296 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 04-02-2026 | Not Eligible | 1.1 | 04-02-2026 |
| 863307 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-03-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863311 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-05-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-24-2026 |
| 863313 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-31-2026 | Eligible | 1 | 03-31-2026 |
| 863316 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-24-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.58 | 52.58 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 03-02-2026 |
| 863327 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-23-2026 | AVM |  |  |  | xxxxxx | 19.78 | 53.93 | xxxxxx | xxxxxx | .0250 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0250 | 94.0 | 0.06 | xxxxxx | xxxxxx | 04-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863354 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-13-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.94 | 62.94 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863355 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 03-31-2026 |
| 863366 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-03-2026 | Eligible | 1 | 04-03-2026 |
| 863369 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 22.61 | 59.83 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 04-13-2026 |
| 863381 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | x | xxxxxx | .0476 | xxxxxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-18-2026 |
| 863383 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-11-2026 | Eligible |  |  |
| 863391 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863414 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 43.64 | 43.64 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-30-2026 |
| 863418 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2026 | Eligible | 1 | 03-27-2026 |
| 863429 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-01-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.23 | 71.23 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0496 | 79.0 | 0.21 | xxxxxx | xxxxxx | 04-03-2026 | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863431 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 03-17-2026 | Not Eligible | 1.6 | 03-17-2026 |
| 863439 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.53 | 79.57 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863467 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863471 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-24-2026 |
| 863483 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.99 | 79.99 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-23-2026 |
| 863492 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 03-24-2026 |
| 863495 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.41 | 74.41 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 | Eligible | 1 | 03-18-2026 |
| 863498 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-10-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863502 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-16-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863505 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.94 | 64.94 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-17-2026 | Eligible | 1 | 02-17-2026 |
| 863512 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.51 | 67.51 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 04-10-2026 |
| 863538 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-04-2026 | Eligible | 1 | 02-04-2026 |
| 863539 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.72 | 69.72 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | EXCELLENT | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-07-2026 |
| 863540 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.51 | 60.51 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 | Eligible | 1.5 | 03-11-2026 |
| 863569 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-17-2026 | Eligible | 2.5 | 03-17-2026 |
| 863579 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-17-2026 | Eligible | 1 | 04-17-2026 |
| 863622 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-17-2026 | Eligible | 1 | 03-17-2026 |
| 863638 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-02-2026 | Eligible | 1 | 04-02-2026 |
| 863667 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.13 | 78.13 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-02-2026 | Eligible | 1 |  |
| 863674 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 |
| 863677 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2026 |
| 863714 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 04-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2026 |
| 863730 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.48 | 68.48 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 04-16-2026 |
| 863751 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.3 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-12-2026 | Eligible |  |  |
| 863765 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.17 | 73.17 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 03-25-2026 |
| 863823 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.5 | 62.5 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-28-2026 |
| 863834 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863857 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 03-24-2026 |
| 863862 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 04-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-10-2026 |
| 863894 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 10-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-23-2026 |
| 863898 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 7.65 | 18.08 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-08-2026 |
| 863904 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 24.25 | 79.74 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-09-2026 | Eligible |  |  |
| 863918 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.83 | 61.83 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 03-31-2026 | Not Eligible | 2.6 |  |
| 863979 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 03-30-2026 | Not Eligible | 3.2 |  |
| 863981 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | ModerateRisk | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 04-09-2026 |
| 863982 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 03-30-2026 |
| 863996 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-20-2026 | Eligible |  |  |
| 864000 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2026 |
| 864014 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 05-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-23-2026 |
| 864029 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2026 | Eligible | 1 | 04-16-2026 |
| 864044 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-03-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2026 |
| 864047 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.92 | 64.92 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-03-2026 |
| 864052 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-30-2026 | AVM |  |  |  | xxxxxx | 25.61 | 61.88 | xxxxxx | xxxxxx | .0364 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0364 | 93.0 | 0.07 | xxxxxx | xxxxxx | 03-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864062 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-24-2026 |
| 864064 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-27-2026 | Eligible | 2.1 | 03-27-2026 |
| 864086 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 33.76 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 04-27-2026 |
| 864094 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 |
| 864097 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-15-2026 | Eligible |  |  |
| 864106 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2026 |
| 864114 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-31-2025 | Other |  |  |  | xxxxxx | 65.0 | 65.0 | xxxxxx | xxxxxx | .0278 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0278 | xxxxxx | 0.0 | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864146 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-06-2026 | Eligible |  |  |
| 864156 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-20-2026 |
| 864163 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-18-2026 | Eligible | 1 | 04-18-2026 |
| 864250 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-06-2026 | AVM |  |  |  | xxxxxx | 15.19 | 47.53 | xxxxxx | xxxxxx | .0402 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0402 | 91.0 | 0.09 | xxxxxx | xxxxxx | 04-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864258 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-02-2026 | AVM |  |  |  | xxxxxx | 20.25 | 68.37 | xxxxxx | xxxxxx | .0488 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0488 | 93.0 | 0.07 | xxxxxx | xxxxxx | 04-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864268 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-01-2026 |
| 864277 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 02-27-2026 |
| 864281 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 04-24-2026 |
| 864288 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-24-2026 | Eligible | 1.1 | 04-24-2026 |
| 864289 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.1 | 52.1 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 04-10-2026 | Not Eligible | 1 | 04-10-2026 |
| 864292 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 33.86 | 33.86 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-20-2026 |
| 864323 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.1 | 74.1 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-11-2026 |
| 864351 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.71 | 55.71 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 04-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2026 |
| 864360 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.29 | 66.29 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 03-25-2026 | Not Eligible | 1 | 03-25-2026 |
| 864363 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-30-2026 |
| 864392 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864405 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-28-2026 |
| 864440 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-21-2026 |
| 864442 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864447 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864504 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-29-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864506 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-13-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864509 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-06-2026 | Eligible |  |  |
| 864511 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 |
| 864516 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |  | Not Eligible |  |  |
| 864558 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.28 | 51.28 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-05-2026 |
| 864564 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-29-2026 |  |  |  |  |  |  |  |  |  |  | 4 | 04-29-2026 | Not Eligible | 2.6 |  |
| 864588 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 34.46 | 34.46 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-20-2026 | Eligible | 1 | 04-20-2026 |
| 864603 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864608 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-10-2026 |
| 864649 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-10-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2026 | Eligible | 1.8 | 04-15-2026 |
| 864658 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-16-2026 |
| 864660 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-05-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.87 | 60.87 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864663 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-15-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 04-18-2026 |
| 864688 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 |
| 864705 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 04-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 04-15-2026 |
| 864706 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-03-2026 |
| 864708 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Adequate | 04-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-13-2026 |
| 864723 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.05 | 36.05 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-20-2026 |
| 864783 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-15-2026 | AVM |  |  |  | xxxxxx | 36.88 | 66.43 | xxxxxx | xxxxxx | -.0119 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0119 | 95.0 | 0.05 | xxxxxx | Other | 04-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864785 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-09-2026 |
| 864786 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0587 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0587 | 88.0 | 0.12 | xxxxxx | xxxxxx | 04-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864793 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-01-2026 | Eligible | 2.3 | 05-01-2026 |
| 864805 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 03-18-2026 |
| 864809 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 04-24-2026 |
| 864812 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864814 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-03-2026 |
| 864815 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2026 |
| 864817 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 89.94 | 89.94 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 03-02-2026 |
| 864818 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.72 | 66.72 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864819 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.8 | 68.8 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 03-05-2026 |
| 864820 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-23-2026 |
| 864821 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 |
| 864822 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 |
| 864823 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-16-2026 |
| 864824 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 01-13-2026 |
| 864825 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 03-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864827 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-06-2026 |
| 864828 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2026 |
| 864829 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.33 | 74.33 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-02-2026 | Eligible | 1 | 03-02-2026 |
| 864830 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 02-20-2026 |
| 864831 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.98 | 68.98 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864834 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 03-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2026 |
| 864835 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864836 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-05-2026 |
| 864837 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 12-29-2025 |
| 864838 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-04-2026 |
| 864839 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 89.99 | 89.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-12-2026 |
| 864843 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0060 | 1004 URAR |  |  |  |  | x | xxxxxx | .0060 | xxxxxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864844 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2026 |
| 864845 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 02-24-2026 |
| 864846 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 03-10-2026 |
| 864847 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.41 | 74.41 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864848 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-19-2026 | Eligible |  |  |
| 864851 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.33 | 42.33 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864852 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.96 | 65.96 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate risk | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864856 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864857 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.07 | 74.07 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 02-04-2026 |
| 864867 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-01-2026 |
| 864876 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-04-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-09-2026 |
| 864884 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-23-2026 |
| 864905 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2026 | AVM |  |  |  | xxxxxx | 32.9 | 79.02 | xxxxxx | xxxxxx | .0221 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0221 | 90.0 | 0.1 | xxxxxx | Other | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864917 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-16-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-17-2026 |
| 864984 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-23-2026 | Eligible | 1 | 04-23-2026 |
| 864987 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 04-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 04-24-2026 |
| 865161 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | .0192 | 1004 URAR |  |  |  |  | x | xxxxxx | .0192 | xxxxxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865164 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-21-2026 | 2055 Exterior Only Inspection Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8.77 | 38.28 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865166 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-22-2026 | 2055 Exterior Only Inspection Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.18 | 59.4 | xxxxxx | xxxxxx | .0909 | 2055 Exterior Only Inspection Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0909 | xxxxxx | 05-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865175 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-02-2026 |
| 865177 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-10-2026 |
| 865182 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-20-2026 |
| 865193 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 04-28-2026 | Not Eligible | 1 | 04-28-2026 |
| 865239 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-07-2026 |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-09-2026 | Eligible |  |  |
| 865255 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-15-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0096 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0096 | 98.0 | 0.02 | xxxxxx | xxxxxx | 04-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865256 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2026 |
| 865272 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-16-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0580 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0580 | xxxxxx | Moderate Risk | 04-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 04-03-2026 |
| 865291 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 04-15-2026 | Not Eligible | 1 | 04-15-2026 |
| 865312 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 05-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-01-2026 |
| 865334 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-30-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2026 |
| 865359 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.25 | 37.25 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2026 | Eligible | 1 | 04-22-2026 |
| 865362 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1333 | 97.0 | 0.03 | xxxxxx | Other | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-23-2026 |
| 865382 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 04-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865673 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-06-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.32 | 63.32 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865680 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-14-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-22-2202 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 04-15-2026 |
| 865689 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-23-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.33 | 61.33 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 04-17-2026 |
| 865690 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-07-2026 | 2055 Exterior Only Inspection Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 14.44 | 79.64 | xxxxxx | xxxxxx | .0243 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0243 | 94.0 | 0.06 | xxxxxx | xxxxxx | 04-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 04-07-2026 | Not Eligible | 0 |  |
| 865692 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.75 | 72.95 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-27-2026 |
| 865762 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-13-2026 |
| 865771 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-13-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | 04-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-23-2026 |
| 865773 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.49 | 53.49 | xxxxxx | xxxxxx | -.0347 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0347 | xxxxxx | Moderate Risk | 04-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865776 | xxxxxx |  | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0379 | xxxxxx | Moderate Risk | 05-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 05-04-2026 | Not Eligible | 1 | 05-04-2026 |
| 865833 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.69 | 25.89 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Acceptable | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2026 |
| 865834 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.57 | 55.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-20-2026 | Not Eligible | 1 | 04-20-2026 |
| 865835 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.1 | 49.85 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-10-2026 | Eligible | 1 | 04-10-2026 |
| 865836 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.9 | 56.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-07-2026 | Eligible | 1 | 04-07-2026 |
| 865837 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.93 | 61.93 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-08-2026 | Eligible | 1 | 04-08-2026 |
| 865838 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.7 | 31.7 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 04-01-2026 | Not Eligible | 1 | 04-01-2026 |
| 865839 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11.43 | 11.43 | xxxxxx | xxxxxx | .0400 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0400 | xxxxxx | Acceptable | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 04-08-2026 |
| 865845 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2026 |
| 865874 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.23 | 69.23 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-29-2026 |
| 865888 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-19-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 05-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 04-20-2026 |
| 865940 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-10-2026 | Eligible | 1 | 04-10-2026 |
| 865955 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-13-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865974 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-30-2026 |
| 865987 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 04-14-2026 |
| 866009 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-29-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 05-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866203 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.67 | 79.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-08-2026 |
| 866214 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-02-2026 | 2055 Exterior Only Inspection Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 8.45 | 59.52 | xxxxxx | xxxxxx | -.0456 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0456 | 87.0 | 0.13 | xxxxxx | xxxxxx | 05-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866220 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2026 | Eligible | 1 | 04-14-2026 |
| 866222 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-27-2026 | Eligible | 2.6 | 04-27-2026 |
| 866247 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.04 | 50.04 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866295 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.87 | 71.87 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 05-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-05-2026 |
| 866380 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-27-2026 |
| 866417 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-22-2026 |
| 866419 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-06-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.0 | 68.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-20-2026 |
| 866444 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-09-2026 | AVM |  |  |  | xxxxxx | 19.87 | 42.25 | xxxxxx | xxxxxx | -.0604 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0604 | 95.0 | 0.05 | xxxxxx | xxxxxx | 06-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866445 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.9 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-13-2026 | Eligible | 1 | 04-13-2026 |
| 866446 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.9 | 79.8 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866448 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-27-2026 | Eligible | 1 | 04-27-2026 |
| 866449 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 04-21-2026 | Not Eligible | 1 | 04-21-2026 |
| 866451 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Acceptable | 04-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-30-2026 |
| 866452 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2026 |
| 866456 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-03-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 04-13-2026 |
| 866514 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.0 | 64.82 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866518 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-09-2026 | Eligible | 1 | 04-09-2026 |
| 866655 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-30-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-01-2026 | Eligible |  |  |
| 866979 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LOW RISK | 05-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 05-13-2026 |
| 867029 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 05-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 05-14-2026 |
| 867456 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-27-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2026 |
| 867457 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-16-2026 |
| 867460 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-31-2026 | Eligible | 2.5 | 03-31-2026 |
| 867856 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 05-11-2026 |
| 868180 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-27-2026 |

---

## Exhibit 99.15

**EXHIBIT 99.15**

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

**EXECUTIVE SUMMARY**

**Verus 2026-6**

**By Clarifii LLC on June 23, 2026**

Verus 2026-6 Due Diligence Narrative Report – PagE \| 1

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 775 Loans (the "Loans") originated by a correspondent lender and acquired by VMC Asset Pooler, LLC or its affiliates (the "Client") for the Verus 2026-6 transaction. The Loans referenced in this narrative report were reviewed between 10/2025 to 06/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;223 | &nbsp;&nbsp;28.77% | &nbsp;&nbsp;$125592643.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;99 | &nbsp;&nbsp;12.77% | &nbsp;&nbsp;$87190872.00 |
| &nbsp;&nbsp;Correspondent Bulk | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.13% | &nbsp;&nbsp;$808500.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;452 | &nbsp;&nbsp;58.32% | &nbsp;&nbsp;$278247757.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**775** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$491839772.00** |

---

The Review consisted of a population of 775 Loans, with an aggregate principal balance of $491,839,772.00.

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

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

**LOAN SAMPLING**

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

Verus 2026-6 Due Diligence Narrative Report – PagE \| 2

![](tm2619057d1_ex99-15img001.jpg)

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;U.S. Residential Mortgage-backed Securitizations, dated as of August 20, 2025 |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, April 30, 2026 |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Initial Interest Rate |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Blanket Mortgage Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Cuban |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Mexican |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Other Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Puerto Rican |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview |
| &nbsp;&nbsp;Borrower 1 Fax or Mail |
| &nbsp;&nbsp;Borrower 1 First Name |

---

Verus 2026-6 Due Diligence Narrative Report – PagE \| 3

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - American Indian or Alaska Native Desc |
| &nbsp;&nbsp;Borrower 1 Race - Asian |
| &nbsp;&nbsp;Borrower 1 Race - Asian Indian |
| &nbsp;&nbsp;Borrower 1 Race - Black or African American |
| &nbsp;&nbsp;Borrower 1 Race - Chinese |
| &nbsp;&nbsp;Borrower 1 Race - Filipino |
| &nbsp;&nbsp;Borrower 1 Race - Guamanian or Chamorro |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - Japanese |
| &nbsp;&nbsp;Borrower 1 Race - Korean |
| &nbsp;&nbsp;Borrower 1 Race - Native Hawaiian |
| &nbsp;&nbsp;Borrower 1 Race - Native Hawaiian or Other Pacific Islander |
| &nbsp;&nbsp;Borrower 1 Race - Other Asian |
| &nbsp;&nbsp;Borrower 1 Race - Other Pacific Islander |
| &nbsp;&nbsp;Borrower 1 Race - Samoan |
| &nbsp;&nbsp;Borrower 1 Race - Vietnamese |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 2 Email or Internet |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Cuban |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Hispanic or Latino |

---

Verus 2026-6 Due Diligence Narrative Report – PagE \| 4

![](tm2619057d1_ex99-15img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Mexican |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Puerto Rican |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 2 Face-to-Face Interview |
| &nbsp;&nbsp;Borrower 2 Fax or Mail |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Middle Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 RaceAmericanIndianorAlaskaNativeDesc |
| &nbsp;&nbsp;Borrower 2 Race - Asian |
| &nbsp;&nbsp;Borrower 2 Race - Asian Indian |
| &nbsp;&nbsp;Borrower 2 Race - Black or African American |
| &nbsp;&nbsp;Borrower 2 Race - Chinese |
| &nbsp;&nbsp;Borrower 2 Race - Filipino |
| &nbsp;&nbsp;Borrower 2 Race - Guamanian or Chamorro |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Race - Japanese |
| &nbsp;&nbsp;Borrower 2 Race - Korean |
| &nbsp;&nbsp;Borrower 2 Race - Native Hawaiian |
| &nbsp;&nbsp;Borrower 2 Race - Native Hawaiian or Other Pacific Islander |
| &nbsp;&nbsp;Borrower 2 Race - Other Asian |
| &nbsp;&nbsp;Borrower 2 Race - Other Pacific Islander |
| &nbsp;&nbsp;Borrower 2 Race - Samoan |
| &nbsp;&nbsp;Borrower 2 Race - Vietnamese |
| &nbsp;&nbsp;Borrower 2 Race - White |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Sex - Female |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Sex - Male |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Telephone Interview |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Buyer Name |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;Condo Rider |
| &nbsp;&nbsp;Date Last Rate Was Set |

---

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![](tm2619057d1_ex99-15img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Family Rider 1-4 |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;Final Qualifying Property Value |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Late Charge Grace Period |
| &nbsp;&nbsp;Late Charge Percent |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Liquid Funds Post-Close |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Originator Name |
| &nbsp;&nbsp;Loan Originator NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Maximum Prepayment Penalty Amount |
| &nbsp;&nbsp;MERS Originated Mortgage |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium |
| &nbsp;&nbsp;Monthly Property Tax Amount |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator DSCR |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Other Rider |

---

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![](tm2619057d1_ex99-15img001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Calculation |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Prepayment Penalty Type |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property Attachment Type |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Tax Indicator |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;PUD Rider |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying HLTV |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Subject Property Gross Rental income |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Name |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

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**CREDIT UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in Loan file

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

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![](tm2619057d1_ex99-15img001.jpg)

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

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

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

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

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

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

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

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

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

- the guidelines

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Post-Consummation Closing Disclosure (PCCD), as applicable** 

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**COMPLIANCE REVIEW**

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

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

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

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

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

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

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;· **Anti-Predatory Lending (Assignee Liability)** 

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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- 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 183I.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- 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.

Verus 2026-6 Due Diligence Narrative Report – PagE \| 14

![](tm2619057d1_ex99-15img001.jpg)

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the Loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

Verus 2026-6 Due Diligence Narrative Report – PagE \| 15

![](tm2619057d1_ex99-15img001.jpg)

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

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

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

**VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** Clarifii checked for the presence of the appraiser's license and reviewed for
the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

&nbsp;&nbsp;&nbsp;&nbsp;· **Uniform Standards of Professional Appraisal Practice (USPAP)** Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

Verus 2026-6 Due Diligence Narrative Report – PagE \| 16

![](tm2619057d1_ex99-15img001.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· For Loans with a Freddie Mac Loan
Collateral Advisor Score (LCA), if an LCA Score was available and the LCA Score was greater than 2.5, a Desk Review was either reviewed
in the Loan file or ordered by Clarifii. If the LCA Score was less than or equal to 2.5, a Desk Review was not obtained/required based
on market acceptance of UCDP Risk Score.

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files –<br> No Hit** | &nbsp;&nbsp;**# of Files > -10% <br> Variance to OA or<br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA <br> or Acceptable <br> UCDP Risk Score** |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;AVE/CMA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;365 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;361 |
| &nbsp;&nbsp;Field Review/2055 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Enhanced Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 |

---

 

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

**DUE DILIGENCE GRADING CRITERIA** 

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

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

Verus 2026-6 Due Diligence Narrative Report – PagE \| 17

![](tm2619057d1_ex99-15img001.jpg)

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

Verus 2026-6 Due Diligence Narrative Report – PagE \| 18

![](tm2619057d1_ex99-15img001.jpg)

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results Moodys** | &nbsp;&nbsp;**Overall Review Results Moodys** | &nbsp;&nbsp;**Overall Review Results Moodys** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;547 | &nbsp;&nbsp;70.58% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;183 | &nbsp;&nbsp;23.61% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;43 | &nbsp;&nbsp;5.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**775** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results DBRS** | &nbsp;&nbsp;**Overall Review Results DBRS** | &nbsp;&nbsp;**Overall Review Results DBRS** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;573 | &nbsp;&nbsp;73.94% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;200 | &nbsp;&nbsp;25.80% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**775** | &nbsp;&nbsp;**100.00%** |

---

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

Verus 2026-6 Due Diligence Narrative Report – PagE \| 19

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary Moodys** | &nbsp;&nbsp;**Final Credit Grade Summary Moodys** | &nbsp;&nbsp;**Final Credit Grade Summary Moodys** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;631 | &nbsp;&nbsp;81.42% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;101 | &nbsp;&nbsp;13.03% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;43 | &nbsp;&nbsp;5.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**775** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary DBRS** | &nbsp;&nbsp;**Final Credit Grade Summary DBRS** | &nbsp;&nbsp;**Final Credit Grade Summary DBRS** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;672 | &nbsp;&nbsp;86.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;103 | &nbsp;&nbsp;13.29% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**775** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary Moodys** | &nbsp;&nbsp;**Final Property Grade Summary Moodys** | &nbsp;&nbsp;**Final Property Grade Summary Moodys** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;729 | &nbsp;&nbsp;94.06% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.39% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;43 | &nbsp;&nbsp;5.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**775** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary DBRS** | &nbsp;&nbsp;**Final Property Grade Summary DBRS** | &nbsp;&nbsp;**Final Property Grade Summary DBRS** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;772 | &nbsp;&nbsp;99.61% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.39% |
| &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;**775** | &nbsp;&nbsp;**100.00%** |

---

Verus 2026-6 Due Diligence Narrative Report – PagE \| 20

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary Moodys** | &nbsp;&nbsp;**Final Compliance Grade Summary Moodys** | &nbsp;&nbsp;**Final Compliance Grade Summary Moodys** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;644 | &nbsp;&nbsp;83.09% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;86 | &nbsp;&nbsp;11.10% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;43 | &nbsp;&nbsp;5.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**775** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary DBRS** | &nbsp;&nbsp;**Final Compliance Grade Summary DBRS** | &nbsp;&nbsp;**Final Compliance Grade Summary DBRS** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;671 | &nbsp;&nbsp;86.58% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;102 | &nbsp;&nbsp;13.16% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**775** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.52% | &nbsp;&nbsp;$5452499.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;771 | &nbsp;&nbsp;99.48% | &nbsp;&nbsp;$486387273.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**775** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$491839772.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;396 | &nbsp;&nbsp;51.10% | &nbsp;&nbsp;$309966578.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;14 | &nbsp;&nbsp;1.81% | &nbsp;&nbsp;$13244999.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;365 | &nbsp;&nbsp;47.10% | &nbsp;&nbsp;$168628195.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**775** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$491839772.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;368 | &nbsp;&nbsp;47.48% | &nbsp;&nbsp;$216811566.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;407 | &nbsp;&nbsp;52.52% | &nbsp;&nbsp;$275028206.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**775** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$491839772.00** |

---

Verus 2026-6 Due Diligence Narrative Report – PagE \| 21

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;732 | &nbsp;&nbsp;94.45% | &nbsp;&nbsp;$480076420.00 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;43 | &nbsp;&nbsp;5.55% | &nbsp;&nbsp;$11763352.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**775** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$491839772.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;300 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.13% | &nbsp;&nbsp;$70000.00 |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.26% | &nbsp;&nbsp;$1214000.00 |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.03% | &nbsp;&nbsp;$7004250.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;762 | &nbsp;&nbsp;98.32% | &nbsp;&nbsp;$483324522.00 |
| &nbsp;&nbsp;240 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.26% | &nbsp;&nbsp;$227000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**775** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$491839772.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**Accuracy<br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;147 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;57 | &nbsp;&nbsp;196 | &nbsp;&nbsp;70.92% |
| &nbsp;&nbsp;Initial Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;138 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Blanket Mortgage Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;138 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;12 | &nbsp;&nbsp;37 | &nbsp;&nbsp;67.57% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;126 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Cuban | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |

---

Verus 2026-6 Due Diligence Narrative Report – PagE \| 22

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Mexican | &nbsp;&nbsp;1 | &nbsp;&nbsp;23 | &nbsp;&nbsp;95.65% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;36 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Other Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Puerto Rican | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Fax or Mail | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;29 | &nbsp;&nbsp;673 | &nbsp;&nbsp;95.69% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;8 | &nbsp;&nbsp;84 | &nbsp;&nbsp;90.48% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;3 | &nbsp;&nbsp;10 | &nbsp;&nbsp;70.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;29 | &nbsp;&nbsp;679 | &nbsp;&nbsp;95.73% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;100 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;8 | &nbsp;&nbsp;10 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;101 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - American Indian or Alaska Native Desc | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian Indian | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Black or African American | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Chinese | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Filipino | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Guamanian or Chamorro | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;2 | &nbsp;&nbsp;37 | &nbsp;&nbsp;94.59% |
| &nbsp;&nbsp;Borrower 1 Race - Japanese | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Korean | &nbsp;&nbsp;1 | &nbsp;&nbsp;23 | &nbsp;&nbsp;95.65% |
| &nbsp;&nbsp;Borrower 1 Race - Native Hawaiian | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Native Hawaiian or Other Pacific Islander | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Other Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Other Pacific Islander | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Samoan | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Vietnamese | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;2 | &nbsp;&nbsp;14 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;96.55% |

---

Verus 2026-6 Due Diligence Narrative Report – PagE \| 23

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;1 | &nbsp;&nbsp;29 | &nbsp;&nbsp;96.55% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;10 | &nbsp;&nbsp;340 | &nbsp;&nbsp;97.06% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Cuban | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Mexican | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Puerto Rican | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Face-to-Face Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Fax or Mail | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;58 | &nbsp;&nbsp;93.10% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;58 | &nbsp;&nbsp;94.83% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 RaceAmericanIndianorAlaskaNativeDesc | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Asian Indian | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Black or African American | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Chinese | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Filipino | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Guamanian or Chamorro | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Borrower 2 Race - Japanese | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Korean | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Native Hawaiian | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Native Hawaiian or Other Pacific Islander | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Other Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Other Pacific Islander | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Samoan | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Vietnamese | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

Verus 2026-6 Due Diligence Narrative Report – PagE \| 24

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;96.30% |
| &nbsp;&nbsp;Borrower 2 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Buyer Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;20 | &nbsp;&nbsp;178 | &nbsp;&nbsp;88.76% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;51 | &nbsp;&nbsp;242 | &nbsp;&nbsp;78.93% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;42 | &nbsp;&nbsp;139 | &nbsp;&nbsp;69.78% |
| &nbsp;&nbsp;Condo Rider | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Date Last Rate Was Set | &nbsp;&nbsp;3 | &nbsp;&nbsp;21 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Family Rider 1-4 | &nbsp;&nbsp;5 | &nbsp;&nbsp;10 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Final Qualifying Property Value | &nbsp;&nbsp;14 | &nbsp;&nbsp;81 | &nbsp;&nbsp;82.72% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;33 | &nbsp;&nbsp;297 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;101 | &nbsp;&nbsp;99.01% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;117 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;14 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;642 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;13 | &nbsp;&nbsp;681 | &nbsp;&nbsp;98.09% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;104 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;6 | &nbsp;&nbsp;9 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Late Charge Grace Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Late Charge Percent | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;642 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Liquid Funds Post-Close | &nbsp;&nbsp;49 | &nbsp;&nbsp;81 | &nbsp;&nbsp;39.51% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;26 | &nbsp;&nbsp;545 | &nbsp;&nbsp;95.23% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;675 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;36 | &nbsp;&nbsp;67 | &nbsp;&nbsp;46.27% |
| &nbsp;&nbsp;Loan Originator Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Loan Originator NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;536 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;686 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;37 | &nbsp;&nbsp;62.16% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;181 | &nbsp;&nbsp;98.90% |
| &nbsp;&nbsp;Maximum Prepayment Penalty Amount | &nbsp;&nbsp;11 | &nbsp;&nbsp;54 | &nbsp;&nbsp;79.63% |
| &nbsp;&nbsp;MERS Originated Mortgage | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |

---

Verus 2026-6 Due Diligence Narrative Report – PagE \| 25

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;208 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Monthly Hazard Insurance Premium | &nbsp;&nbsp;1 | &nbsp;&nbsp;14 | &nbsp;&nbsp;92.86% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;95.24% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;89 | &nbsp;&nbsp;179 | &nbsp;&nbsp;50.28% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;446 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;13 | &nbsp;&nbsp;667 | &nbsp;&nbsp;98.05% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;4 | &nbsp;&nbsp;601 | &nbsp;&nbsp;99.33% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;22 | &nbsp;&nbsp;86.36% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Other Rider | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;6 | &nbsp;&nbsp;27 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;4 | &nbsp;&nbsp;27 | &nbsp;&nbsp;85.19% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;140 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;606 | &nbsp;&nbsp;99.50% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;12 | &nbsp;&nbsp;236 | &nbsp;&nbsp;94.92% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;13 | &nbsp;&nbsp;682 | &nbsp;&nbsp;98.09% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;83 | &nbsp;&nbsp;97.59% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;8 | &nbsp;&nbsp;678 | &nbsp;&nbsp;98.82% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;257 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Tax Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;679 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;103 | &nbsp;&nbsp;536 | &nbsp;&nbsp;80.78% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;678 | &nbsp;&nbsp;99.85% |
| &nbsp;&nbsp;PUD Rider | &nbsp;&nbsp;1 | &nbsp;&nbsp;10 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Qualifying Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;405 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;23 | &nbsp;&nbsp;637 | &nbsp;&nbsp;96.39% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;29 | &nbsp;&nbsp;643 | &nbsp;&nbsp;95.49% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;405 | &nbsp;&nbsp;99.01% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;31 | &nbsp;&nbsp;640 | &nbsp;&nbsp;95.16% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;68 | &nbsp;&nbsp;407 | &nbsp;&nbsp;83.29% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;9 | &nbsp;&nbsp;21 | &nbsp;&nbsp;57.14% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;223 | &nbsp;&nbsp;97.76% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;8 | &nbsp;&nbsp;383 | &nbsp;&nbsp;97.91% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;405 | &nbsp;&nbsp;100.00% |

---

Verus 2026-6 Due Diligence Narrative Report – PagE \| 26

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;562 | &nbsp;&nbsp;99.82% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;1 | &nbsp;&nbsp;113 | &nbsp;&nbsp;99.12% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;79 | &nbsp;&nbsp;94.94% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;49 | &nbsp;&nbsp;388 | &nbsp;&nbsp;87.37% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;27 | &nbsp;&nbsp;85.19% |

---

**TAX AND TITLE REVIEW (3 Mortgage Loans)**

As part of the due diligence services, the Client provided Clarifii with identifying data on 3 Loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

&nbsp;&nbsp;&nbsp;&nbsp;· No
 potential issues surrounding origination deed vesting.

&nbsp;&nbsp;&nbsp;&nbsp;· No
 potential issues surrounding delinquent property taxes.

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

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

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

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

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

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report/Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Rating Agency Grade Detail and
Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Data Compare Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Rating Agency ATR/QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Supplement Data Extract

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Multi-Property Data Extract
Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. Rating Agency Multi-Property
Valuation Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. Tax and Title Report

Verus 2026-6 Due Diligence Narrative Report – PagE \| 27

**Disclaimer**

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

 

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Verus 2026-6 Due Diligence Narrative Report – PagE \| 28

## Exhibit 99.16

**EXHIBIT 99.16**

**clarifii rating agency grades detail report**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 846884 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 02:35 | 2026-03-27 16:41 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Missing most recent 2 months | Waived-Originator waiver applied with comp factors for missing 2 months rent receipts. Finding deemed non-material - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Exception updated to include all addresses. Per the Clarifii reviewer reply and my review - the overall DSCR value is 1.461 which abides by the exception stipulation. - Seller-03/27/2026 <br> Counter-DSCR calculation: xxxxxx - DSCR 1.45; xxxxxx – DSCR 1.23; xxxxxx – DSCR 1.75; xxxxxx – DSCR 1.73; xxxxxx – DSCR 1.91; xxxxxx – DSCR 1.14; Overall DSCR value is 1.461<br> - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Please review the cross-collateral worksheet that was uploaded yesterday. This worksheet should confirm the DSCR is greater than 1.3. xxxxxx will be updating the exception to include the two additional addresses. - Seller-03/27/2026 <br> Counter-Received approved exception from Client to waive requirement for evidence of two months' receipt of the rent for properties located at xxxxxx. Evidence of two months' receipt of rent still missing for Properties located at xxxxxx. Exception provided stipulates DSCR > 1.3 and Audit's DSCR is 1.193. Finding remains. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Attached is cross collateral work sheet to show the 1.439 DSCR which is >1.3 - Seller-03/25/2026 <br> Ready for Review-Received approved exception from Client to waive requirement for evidence of two months' receipt of the rent for properties located at xxxxxx. Evidence of two months' receipt of rent still missing for Properties located at xxxxxx. Exception provided stipulates DSCR > 1.3 and Audit's DSCR is 1.193. Finding remains. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Exception for lack of receipts provided by investor. Waiver attached. - Seller-03/23/2026 <br> Counter-Received deposit slips. Unable to confirm transactions completed nor date of transactions. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/26/2026 <br> Counter-Received Guideline screenshot. Finding noted is an overlay. Finding remains. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. these are our main guidelines page 65 - Seller-11/20/2025 <br> Counter-Received guideline screenshot-review is unable to confirm what guidelines considering-please provide date. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. guidelines also state we can use 1007 which is what we used -- proof of rents not required - Seller-11/06/2025 <br> Open-1. Missing evidence of two months' receipt of the rent for Property 3 required by overlay.<br> 2. Missing evidence of two months' receipt of the rent for Property 4 required by overlay.<br> 3. Missing evidence of two months' receipt of the rent for Property 6 required by overlay. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. Exception updated to include all addresses. Per the Clarifii reviewer reply and my review - the overall DSCR value is 1.461 which abides by the exception stipulation. - Seller-03/27/2026 <br> Ready for Review-Please review the cross-collateral worksheet that was uploaded yesterday. This worksheet should confirm the DSCR is greater than 1.3. xxxxxx will be updating the exception to include the two additional addresses. - Seller-03/27/2026 <br> Ready for Review-Document Uploaded. Attached is cross collateral work sheet to show the 1.439 DSCR which is >1.3 - Seller-03/25/2026 <br> Ready for Review-Document Uploaded. Exception for lack of receipts provided by investor. Waiver attached. - Seller-03/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/26/2026 <br> Ready for Review-Document Uploaded. these are our main guidelines page 65 - Seller-11/20/2025 <br> Ready for Review-Document Uploaded. guidelines also state we can use 1007 which is what we used -- proof of rents not required - Seller-11/06/2025 | Waived-Originator waiver applied with comp factors for missing 2 months rent receipts. Finding deemed non-material - Due Diligence Vendor-03/27/2026<br>| LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. | 780 FICO<br> 59% LTV<br> 0x30x24<br> 34 months reserves Audit's reserves 13.08 months.<br> DSCR 1.73 Audit's DSCR 1.193.<br> Using leases capped at 120%<br> DSCR 1.45 Audit's DSCR 1.193. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 846884 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 02:42 | 2026-03-27 12:18 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Upon further revie, value is supported with a desk review and CU, nothing further is needed or required. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Please see rebuttal for Finding #6 , if this is not applicable to finding #6 then please restate the finding as my prior comment was not addressed at all - The gross and net adjustments on comparables 1 and 3 are 36.3/48.1% and 45.1/72.8% and there is not a rule against this. While the guide is to keep the gross and net below 25% this is only simply a guide, not a requirement. We cannot apply a guideline to the appraisal that simply does not exist based on personal preference. The review of an appraisal is to be based on facts and requirements, not opinion. Per the xxxxxx Selling Guide: B4-1.3-09, Adjustments to Comparable Sales (06/04/2025): Analysis of Adjustments xxxxxx does not have specific limitations or guidelines associated with net or gross adjustments. The number and/or amount of the dollar adjustments must not be the sole determinant in the acceptability of a comparable. Ideally, the best and most appropriate comparable would require no adjustment; however, this is rarely the case as typically no two properties or transaction details are identical. The appraiser's adjustments must reflect the market's reaction (that is, market based adjustments) to the difference in the properties. For example, it would be inappropriate for an appraiser to provide a $20 per square foot adjustment for the difference in the finished above-grade area based on a rule-of-thumb when market analysis indicates the adjustment should be $100 per square foot. The expectation is for the appraiser to analyze the market for competitive properties and provide appropriate market based adjustments without regard to arbitrary limits on the size of the adjustment. If the extent of the appraiser's adjustments to the comparable sales is great enough to indicate that the property may not conform to the neighborhood, the underwriter must determine if the opinion of value is adequately supported. (For further information regarding comparable selection, see B4-1.3-08, Comparable Sales.) When there are no truly comparable sales for a particular property because of the uniqueness of the property or other conditions, the appraiser must select sales that represent the best indicators of value for the subject property and make market supported adjustments to reflect the actions of typical purchasers in that market. - Seller-03/27/2026 <br> Counter-Received corrective mortgage and policy change endorsement to title commitment updating the address for xxxxxx and all addresses now match the appraisals. Findings 1-5 are resolved. Finding #6 remains. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-The gross and net adjustments on comparables 1 and 3 are 36.3/48.1% and 45.1/72.8% and there is not a rule against this. While the guide is to keep the gross and net below 25% this is only simply a guide, not a requirement. We cannot apply a guideline to the appraisal that simply does not exist based on personal preference. The review of an appraisal is to be based on facts and requirements, not opinion. <br>Per the xxxxxx Selling Guide:<br>B4-1.3-09, Adjustments to Comparable Sales (06/04/2025):<br>Analysis of Adjustments<br>xxxxxx does not have specific limitations or guidelines associated with net or gross adjustments. The number and/or amount of the dollar adjustments must not be the sole determinant in the acceptability of a comparable. Ideally, the best and most appropriate comparable would require no adjustment; however, this is rarely the case as typically no two properties or transaction details are identical. The appraiser's adjustments must reflect the market's reaction (that is, market based adjustments) to the difference in the properties. For example, it would be inappropriate for an appraiser to provide a $20 per square foot adjustment for the difference in the finished above-grade area based on a rule-of-thumb when market analysis indicates the adjustment should be $100 per square foot. The expectation is for the appraiser to analyze the market for competitive properties and provide appropriate market based adjustments without regard to arbitrary limits on the size of the adjustment.<br>If the extent of the appraiser's adjustments to the comparable sales is great enough to indicate that the property may not conform to the neighborhood, the underwriter must determine if the opinion of value is adequately supported. (For further information regarding comparable selection, see B4-1.3-08, Comparable Sales.)<br>When there are no truly comparable sales for a particular property because of the uniqueness of the property or other conditions, the appraiser must select sales that represent the best indicators of value for the subject property and make market supported adjustments to reflect the actions of typical purchasers in that market. - Due Diligence Vendor-03/26/2026 <br> Counter-The pre-close loan appraisals and title reflects consistent addresses. The legal description attached to the mortgage(not a part of the pre-close review) reflects addresses that are not consistent with the appraisal and the title. The legal description reflects direction street addresses for example xxxxxx resulting in the 5 of the 6 property addresses not matching on the title, appraisals and mortgage legal description. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Per Client: . It appears several appraisal were sent in when only the most current revised one should have been sent. Attached is the appraisal that needs to be in the file Based on the documents in the file the appraisal does match. - Due Diligence Vendor-03/26/2026 <br> Open-1. Appraiser to address page 1 property address for property located at xxxxxx (PDF 320) that does not match address on mortgage legal description (PDF 605). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match.<br> 2. Appraiser to address page 1 property address for property located at xxxxxx (PDF 355) that does not match address on mortgage legal description (PDF 605). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match.<br> 3. Appraiser to address page 1 property address for property located at xxxxxx (PDF 220) that does not match address on mortgage legal description (PDF 605). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match.<br> 4. Appraiser to address page 1 property address for property located at xxxxxx (PDF 5) that does not match address on mortgage legal description (PDF 605). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match.<br> 5. Appraiser to address page 1 property address for property located at xxxxxx (PDF 220) that does not match address on mortgage legal description (PDF 605). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match.<br> 6. Appraiser to address that for property located at xxxxxx, comparable sales exceed a reasonable level of net and/or gross adjustments. Appraisal does not support that the property conforms to the neighborhood and the value is not adequately supported. Additional findings may apply. - Due Diligence Vendor-03/26/2026 | Ready for Review-Please see rebuttal for Finding #6 , if this is not applicable to finding #6 then please restate the finding as my prior comment was not addressed at all - The gross and net adjustments on comparables 1 and 3 are 36.3/48.1% and 45.1/72.8% and there is not a rule against this. While the guide is to keep the gross and net below 25% this is only simply a guide, not a requirement. We cannot apply a guideline to the appraisal that simply does not exist based on personal preference. The review of an appraisal is to be based on facts and requirements, not opinion. Per the xxxxxx Selling Guide: B4-1.3-09, Adjustments to Comparable Sales (06/04/2025): Analysis of Adjustments xxxxxx does not have specific limitations or guidelines associated with net or gross adjustments. The number and/or amount of the dollar adjustments must not be the sole determinant in the acceptability of a comparable. Ideally, the best and most appropriate comparable would require no adjustment; however, this is rarely the case as typically no two properties or transaction details are identical. The appraiser's adjustments must reflect the market's reaction (that is, market based adjustments) to the difference in the properties. For example, it would be inappropriate for an appraiser to provide a $20 per square foot adjustment for the difference in the finished above-grade area based on a rule-of-thumb when market analysis indicates the adjustment should be $100 per square foot. The expectation is for the appraiser to analyze the market for competitive properties and provide appropriate market based adjustments without regard to arbitrary limits on the size of the adjustment. If the extent of the appraiser's adjustments to the comparable sales is great enough to indicate that the property may not conform to the neighborhood, the underwriter must determine if the opinion of value is adequately supported. (For further information regarding comparable selection, see B4-1.3-08, Comparable Sales.) When there are no truly comparable sales for a particular property because of the uniqueness of the property or other conditions, the appraiser must select sales that represent the best indicators of value for the subject property and make market supported adjustments to reflect the actions of typical purchasers in that market. - Seller-03/27/2026 | Resolved-Upon further revie, value is supported with a desk review and CU, nothing further is needed or required. - Due Diligence Vendor-03/27/2026<br>| LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846884 | xxxxxx C B A | Closed | xxxxxx | 2026-03-26 16:33 | 2026-03-26 16:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Legal document incorrect or has issues | Waived-Client waiver applied to non material finding with comp factors. allocated loan amount is on the CC worksheet only - Due Diligence Vendor-03/26/2026 <br> Open-File does not contain a copy of the allocated loan amount attached to the note or Security instrument - Due Diligence Vendor-03/26/2026 |  | Waived-Client waiver applied to non material finding with comp factors. allocated loan amount is on the CC worksheet only - Due Diligence Vendor-03/26/2026<br>| LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. | 789 fico<br> 59 LTV | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 846884 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 06:48 | 2026-03-26 16:32 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-DSCR has been met with worksheet a new finding has been issued for allocated amount not being recorded - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Exception approved by investor - waiver attached. - Seller-03/23/2026 <br> Counter-For items 1 and 2, received cross collateral worksheet. Missing loan allocation that is typically attached to the note, the security instrument or loan agreement. Upon receipt, cross collateral worksheet will be reviewed. Items 3 and 4 remain as is. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Counter-Received 1008. Please address original finding. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-see attached for the correct DSCR and revised 1008 - Seller-02/09/2026 <br> Counter-Received snip it for the allocated Loan Amount. Please address the remaining issues. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Counter-Guideline 8.7.8.4 confirms a property is leased when there is an executed long term lease. Finding remains. 1. File documentation is missing allocated loan amount per property. Audit used allocated loan amounts from lender's worksheet; however, the total on worksheet was short $4,158.10 from matching loan amount. Additionally, LTV using worksheet allocation was 99.14% and $27.32 P&I variance to Note P&I. Additional findings may apply. 2. For all properties, the P&I from Originator's Worksheet does not match calculated P&I. 3. Per guidelines, maximum number of unleased properties allowed is 1. Currently there are 3 unleased properties. Guidelines consider property is "Leased" when there is an executed long term lease agreement and does not provide for leases that have converted to month-to-month. Properties 1, 2 and 5 do not have a long term lease in place (they are M-M) and are considered unleased per guideline definition in the guidelines. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Month to month leases are not considered short term, these properties are not vacant- each lease has a term - with month to month continuation - Seller-11/06/2025 <br> Open-1. File documentation is missing allocated loan amount per property. Audit used allocated loan amounts from lender's worksheet; however, the total on worksheet was short $4,158.10 from matching loan amount. Additionally, LTV using worksheet allocation was 99.14% and $27.32 P&I variance to Note P&I. Additional findings may apply.<br> 2. For all properties, the P&I from Originator's Worksheet does not match calculated P&I. <br> 3. Per guidelines, maximum number of unleased properties allowed is 1. Currently there are 3 unleased properties. Guidelines consider property is "Leased" when there is an executed long term lease agreement and does not provide for leases that have converted to month-to-month. Properties 1, 2 and 5 do not have a long term lease in place (they are M-M) and are considered unleased per guideline definition in the guidelines.<br> - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. Exception approved by investor - waiver attached. - Seller-03/23/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Ready for Review-see attached for the correct DSCR and revised 1008 - Seller-02/09/2026 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Ready for Review-Month to month leases are not considered short term, these properties are not vacant- each lease has a term - with month to month continuation - Seller-11/06/2025 | Resolved-DSCR has been met with worksheet a new finding has been issued for allocated amount not being recorded - Due Diligence Vendor-03/26/2026<br>| LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846884 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 02:55 | 2026-03-25 03:56 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received corrective mortgage and policy change endorsement to title commitment updating the address for xxxxxx and all addresses now match. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. After thorough review with the investor, we have agreed that the addresses must match the USPS addresses using the USPS zip code address verification. The mortgage legal description and title commitment have been updated to reflect addresses in correspondence with the USPS address verification. Attached is the copy of the corrective mortgage, copy of title commitment, Schedule A, copy of title endorsement for the correction, and copy of a second title endorsement due to the title making a typo on xxxxxx. - Seller-03/23/2026 <br> Counter-Received duplicate schedule A of preliminary title. Original finding remains. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Title was incorrect - Deed of Trust address reflect the correct address. - Seller-01/15/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. 1. Address for xxxxxx on legal description (PDF 605) does not match address on title (PDF 1378). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match.<br> 2. Address for xxxxxx on legal description (PDF 605) does not match address on title (PDF 1378). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match.<br> 3. Address for xxxxxx on legal description (PDF 605) does not match address on title (PDF 1378). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match.<br> 4. Address for xxxxxx on legal description (PDF 605) does not match address on title (PDF 1378). Directional indicator does not match. Additional findings may apply since addresses on appraisal, mortgage and title must match.<br> 5. Address for xxxxxx on legal description (PDF 605) does not match address on title (PDF 1378). House number, directional indicator and street name are different. Additional findings may apply since addresses on appraisal, mortgage and title must match. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. After thorough review with the investor, we have agreed that the addresses must match the USPS addresses using the USPS zip code address verification. The mortgage legal description and title commitment have been updated to reflect addresses in correspondence with the USPS address verification. Attached is the copy of the corrective mortgage, copy of title commitment, Schedule A, copy of title endorsement for the correction, and copy of a second title endorsement due to the title making a typo on xxxxxx. - Seller-03/23/2026 <br> Ready for Review-Document Uploaded. Title was incorrect - Deed of Trust address reflect the correct address. - Seller-01/15/2026 | Resolved-Received corrective mortgage and policy change endorsement to title commitment updating the address for xxxxxx and all addresses now match. - Due Diligence Vendor-03/25/2026 | LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846884 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 07:05 | 2026-01-07 10:44 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Final Title - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/06/2026 <br> Counter-Received email confirming additional mortgages were paid off. Finding is recording multiple lots and legal description. xxxxxx and xxxxxx reflect same Lot. Finding remains. Property Title Issue 1. Title to address title commitment (PDF 1378) that shows multiple lots for the third listed property and legal description (PDF 1379) that does not match. Additional findings may apply. 2. Missing evidence that Schedule B I Items 8, 9, and 10 are all clear (PDF 1384). Additional findings may apply. 3. Title to address note for xxxxxx dated xxxxxx (PDF 1946) provided and shows tied to xxxxxx plus 3 other REOs not included in the Cross Collateral Package, but title does NOT show this lien is active despite a recent payment activity showing lien is still open and active. Additional findings may app - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. - Seller-11/21/2025 <br> Counter-Received Exhibit A. xxxxxx reflect same Lot. Finding remains. Property Title Issue 1. Title to address title commitment (PDF 1378) that shows multiple lots for the third listed property and legal description (PDF 1379) that does not match. Additional findings may apply. 2. Missing evidence that Schedule B I Items 8, 9, and 10 are all clear (PDF 1384). Additional findings may apply. 3. Title to address note for xxxxxx dated xxxxxx (PDF 1946) provided and shows tied to xxxxxx plus 3 other REOs not included in the Cross Collateral Package, but title does NOT show this lien is active despite a recent payment activity showing lien is still open and active. Additional findings may apply. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Open-Property Title Issue 1. Title to address title commitment (PDF 1378) that shows multiple lots for the third listed property and legal description (PDF 1379) that does not match. Additional findings may apply.<br> 2. Missing evidence that Schedule B I Items 8, 9, and 10 are all clear (PDF 1384). Additional findings may apply.<br> 3. Title to address note for xxxxxx dated xxxxxx (PDF 1946) provided and shows tied to xxxxxx plus 3 other REOs not included in the Cross Collateral Package, but title does NOT show this lien is active despite a recent payment activity showing lien is still open and active. Additional findings may apply.<br> - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-Received Final Title - Due Diligence Vendor-01/07/2026<br>| LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846884 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 07:05 | 2026-01-07 10:44 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated commitment w/sufficient coverage. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage is short xxxxxx - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Received updated commitment w/sufficient coverage. - Due Diligence Vendor-11/06/2025<br>| LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846884 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 07:21 | 2026-01-07 10:44 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received Affidavit of Identity - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Open-Vested Owner Signature Requirement Not met. Title to address if the owner noted for xxxxxx (PDF 1378) is a typographical error or if this tract is owned by a different entity than the others. If a different entity, additional findings will apply as the LLC documents meeting guideline requirements will be required. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-Received Affidavit of Identity - Due Diligence Vendor-11/20/2025<br>| LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846884 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 07:34 | 2025-11-24 16:23 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received email confirming mortgages paid off. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. - Seller-11/21/2025 <br> Counter-Received primary residence payments for Aug & Sept. Review is unable to confirm #2-4 from email from title. Provide updated preliminary title reflecting those items removed. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. 1) see attached proof of payments for primary ; 2) all VOMs are in the file; for DSCR files we must only verify the subject properties and the primary - see attached <br> - Seller-11/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements 1. Missing evidence of xxxxxx and xxxxxx primary mortgage payments. Additional findings may apply.<br> 2. Missing VOM for mortgage noted in Schedule B Part 1 Item #11 on title (PDF 1381). Additional findings may apply.<br> 3. Missing VOM for mortgage noted in Schedule B Part 1 Item #15 on title (PDF 1382). Additional findings may apply.<br> 4. Missing VOM for mortgage noted in Schedule B Part 1 Item #16 on title (PDF 1382). Additional findings may apply. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Ready for Review-Document Uploaded. 1) see attached proof of payments for primary ; 2) all VOMs are in the file; for DSCR files we must only verify the subject properties and the primary - see attached <br> - Seller-11/06/2025<br>| Resolved-Received email confirming mortgages paid off. - Due Diligence Vendor-11/24/2025<br>| LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846884 | xxxxxx C B A | Closed | xxxxxx | 2025-10-30 04:02 | 2025-11-06 17:08 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received updated 1003 - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Open-Missing 1003 with all REO owned. Final signed 1003 (PDF 681) includes primary residence only. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Received updated 1003 - Due Diligence Vendor-11/06/2025<br>| LTV is less than guideline maximum - 59.8% LTV is less than 65% maximum.<br>Qualifying FICO score is at least 20 points above minimum for program - 780 FICO exceeds 700 minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848612 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 849620 | xxxxxx C B A | Closed | xxxxxx | 2026-03-27 09:35 | 2026-03-27 09:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Client exception granted to allow for Appraiser who is not AMC certified, however per appraisal appraisal meets xxxxxx requirements and appraiser license is active through national registry. Non-material waiver applied with comp factors. - Due Diligence Vendor-03/27/2026 <br> Open-Lender Exception was issued for Appraiser who is not certified - Due Diligence Vendor-03/27/2026 |  | Waived-Client exception granted to allow for Appraiser who is not AMC certified, however per appraisal appraisal meets xxxxxx requirements and appraiser license is active through national registry. Non-material waiver applied with comp factors. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 706 Required is 660 Borrower has 706<br>LTV is less than guideline maximum - Required is 75 Borrower has 64 Required is 75 Borrower has 64 | -LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> - Experienced Investor Experienced investor owns and manages 2 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 851429 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851662 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851681 | xxxxxx D A | Closed | xxxxxx | 2025-12-01 22:36 | 2025-12-08 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Prepayment Rider-Credit | Resolved-<br> Upon further review, the loan file contained all required documentation - Due Diligence Vendor-12/08/2025 <br> Open-the PP Rider is missing from the file - Due Diligence Vendor-12/02/2025 |  | Resolved-<br> Upon further review, the loan file contained all required documentation - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 775 Required is 700 Borrower has 775<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.501 Required is 0.75 Borrower has 1.501 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 851775 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 851930 | xxxxxx D A | Closed | xxxxxx | 2025-12-01 06:16 | 2025-12-02 09:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Condo master policy provided. - Due Diligence Vendor-12/02/2025 <br> Open-Missing Condo Master Insurance Policy is required, due to subject has an active homeowners association (HOA). Missing Condo Master Insurance Policy. - Due Diligence Vendor-12/02/2025 |  | Resolved-Condo master policy provided. - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 783<br>LTV is less than guideline maximum - Required is 70 Borrower has 58.82 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852067 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 852089 | xxxxxx B A | Closed | xxxxxx | 2025-12-03 14:23 | 2025-12-08 09:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted and in file, waiver applied with comp factors - Due Diligence Vendor-12/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements - Exception Approved: Borrower not owning a primary and living rent free with parents vs Borrower must own a primary residence. Non-Material, Borrower owns several INV REO's. Strong mortgage history. - Due Diligence Vendor-12/03/2025 |  | Waived-Client exception granted and in file, waiver applied with comp factors - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 798 Required is 640 Borrower has 798<br>LTV is less than guideline maximum - Required is 70 Borrower has 57.69 Required is 70 Borrower has 57.69<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.336 Required is 0.75 Borrower has 1.336 | -LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> - Credit Score Credit Score 30+ points > minimum required<br> - Housing (Mortgage) History 0x30 for 24 months on all mortgages | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 852142 | xxxxxx D B A | Closed | xxxxxx | 2025-11-18 11:37 | 2025-11-26 10:42 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received final title-chain noted within preliminary title. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Buyer-11/25/2025 <br> Counter-Received Title. Title provided did not confirm date of initial ownership. - Due Diligence Vendor-11/24/2025 <br> Open-Unsatisfactory Chain of Title provided. Provide Chain of title. - Due Diligence Vendor-11/18/2025 |  | Resolved-Received final title-chain noted within preliminary title. - Due Diligence Vendor-11/26/2025<br>| LTV is less than guideline maximum - Required is 70 Borrower has 60 Required is 70 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 785 Required is 660 Borrower has 785 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852142 | xxxxxx D B A | Closed | xxxxxx | 2025-11-18 11:37 | 2025-11-24 11:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received email confirming Title Coverage. - Due Diligence Vendor-11/24/2025 <br> Open-Title Document is Incomplete Provide final title coverage amount - Due Diligence Vendor-11/18/2025 |  | Resolved-Received email confirming Title Coverage. - Due Diligence Vendor-11/24/2025<br>| LTV is less than guideline maximum - Required is 70 Borrower has 60 Required is 70 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 785 Required is 660 Borrower has 785 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852142 | xxxxxx D B A | Closed | xxxxxx | 2025-11-19 12:02 | 2025-11-19 13:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Property Issues are identified for the property Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/19/2025 |  | Waived-Property Issues are identified for the property Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/19/2025<br>| LTV is less than guideline maximum - Required is 70 Borrower has 60 Required is 70 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 785 Required is 660 Borrower has 785 | -Credit Score 30+ points > minimum required<br> - Reserves Reserves exceed requirement by 6 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 852275 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 17:04 | 2025-11-13 16:34 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Updated HUD and title provided removing the lien. No housing history required. - Due Diligence Vendor-11/13/2025 <br> Counter-Client comments - please see attached , as per the guidelines it is OR LEASE AGREEMENT - MUST ALSO INCLUDE 12 MONTHS WIRE TRANSFER RECEIPTS OR CANCELLED CHECKS - AUDIT RESPONSE - Please provide the 12 month wire transfer receipts or cancelled checks. - Due Diligence Vendor-11/12/2025 <br> Counter-VOR provided, however we are missing the 12 month payment history for the subject property. - Due Diligence Vendor-11/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing housing payment history on subject for private mortgage lien paid off at closing per Final CD - Due Diligence Vendor-11/05/2025 |  | Resolved-Updated HUD and title provided removing the lien. No housing history required. - Due Diligence Vendor-11/13/2025<br>| Months Reserves exceed minimum required - Required reserves is 6 months - actual is 41.55 months reserves<br>LTV is less than guideline maximum - Maximum LTV is 70% - actual LTV is 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852275 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 16:53 | 2025-11-10 11:15 | Resolved | 1 - Information C A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Received documentation to support taxes paid prior to closed. - Due Diligence Vendor-11/10/2025 <br> Open-The subject property is not current on taxes. Delinquent property taxes per title, Schedule B, Items B and C do not appear to have been paid at closing per Final CD - Due Diligence Vendor-11/05/2025 |  | Resolved-Received documentation to support taxes paid prior to closed. - Due Diligence Vendor-11/10/2025<br>| Months Reserves exceed minimum required - Required reserves is 6 months - actual is 41.55 months reserves<br>LTV is less than guideline maximum - Maximum LTV is 70% - actual LTV is 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852275 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 17:14 | 2025-11-10 11:12 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Upon further review, Market Rent was used for qualification. - Due Diligence Vendor-11/10/2025 <br> Open-Missing 2 mos rent receipt on subject property - Due Diligence Vendor-11/05/2025 |  | Resolved-Upon further review, Market Rent was used for qualification. - Due Diligence Vendor-11/10/2025<br>| Months Reserves exceed minimum required - Required reserves is 6 months - actual is 41.55 months reserves<br>LTV is less than guideline maximum - Maximum LTV is 70% - actual LTV is 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 852408 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 852455 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853263 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 853563 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 853980 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854084 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 12:38 | 2026-01-27 15:02 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Appraisal includes an Appraisal Independence Certification. - Due Diligence Vendor-01/27/2026 <br> Open-Appraisal was not ordered through an AMC, missing attestation/cert from the lender that AIR regulations were met - Due Diligence Vendor-12/29/2025 |  | Resolved-Appraisal includes an Appraisal Independence Certification. - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 675 Required is 640 Borrower has 675<br>DSCR =/> 1.00 and minimum is 0.85 or Less - .75 DSCR required. Required is 0.75 Borrower has 1.001 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854084 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 10:58 | 2026-01-27 11:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client provided a waiver 10 months of housing history, applied to non material finding with comp factors - Due Diligence Vendor-01/27/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Mortgage history on the subject only shows a 10 month period. Please provide a full 12 months. - Due Diligence Vendor-12/29/2025 |  | Waived-Client provided a waiver 10 months of housing history, applied to non material finding with comp factors - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 675 Required is 640 Borrower has 675<br>DSCR =/> 1.00 and minimum is 0.85 or Less - .75 DSCR required. Required is 0.75 Borrower has 1.001 | Compensating Factor 1 - Credit Score 20 points > minimum required / Compensating Factor 2 - Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 854084 | xxxxxx C B A | Closed | xxxxxx | 2025-12-29 11:26 | 2026-01-22 12:37 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received originators term sheet. - Due Diligence Vendor-01/22/2026 <br> Open-Missing Approval/Underwriting Summary Provided final approval or UW summary - Due Diligence Vendor-12/29/2025 |  | Resolved-Received originators term sheet. - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 675 Required is 640 Borrower has 675<br>DSCR =/> 1.00 and minimum is 0.85 or Less - .75 DSCR required. Required is 0.75 Borrower has 1.001 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854264 | xxxxxx D A | Closed | xxxxxx | 2025-12-23 17:19 | 2026-02-06 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Global watchlist provided for interested parties. - Due Diligence Vendor-02/06/2026 <br> Counter-Review note background report provided. However missing OFAC and All Interested Parties Checked with Exclusionary Lists. - Due Diligence Vendor-01/28/2026 <br> Counter-No document provided. Guideline indicate "All transaction participants must be screened through OFAC SDN." Document in initial file only included borrower - Due Diligence Vendor-01/27/2026 <br> Counter-No document provided. Guideline indicate "All transaction participants must be screened through OFAC SDN." Document in initial file only included borrower. - Due Diligence Vendor-01/26/2026 <br> Open-Third Party Fraud Report Partially Provided Comprehensive Report is in the file, but is missing OFAC and All Interested Parties Checked with Exclusionary Lists. - Due Diligence Vendor-12/23/2025 |  | Resolved-Global watchlist provided for interested parties. - Due Diligence Vendor-02/06/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.269 Required is 0.75 Borrower has 1.269<br>LTV is less than guideline maximum - Required is 70 Borrower has 60 Required is 70 Borrower has 60 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854264 | xxxxxx D A | Closed | xxxxxx | 2025-12-23 15:07 | 2026-01-22 12:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Cert of Occupancy and Commercial Loan. - Due Diligence Vendor-01/22/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing BP Cert is missing - Due Diligence Vendor-12/23/2025 |  | Resolved-Received Cert of Occupancy and Commercial Loan. - Due Diligence Vendor-01/22/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.269 Required is 0.75 Borrower has 1.269<br>LTV is less than guideline maximum - Required is 70 Borrower has 60 Required is 70 Borrower has 60 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 854470 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 854545 | xxxxxx C A | Closed | xxxxxx | 2026-02-11 17:09 | 2026-02-23 10:51 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Client provided Chain of Title from title - Due Diligence Vendor-02/23/2026 <br> Open-Unsatisfactory Chain of Title provided. Provide 24 months Chain of title. - Due Diligence Vendor-02/12/2026 |  | Resolved-Client provided Chain of Title from title - Due Diligence Vendor-02/23/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 21.51 Required is 75 Borrower has 21.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 690 Required is 640 Borrower has 690 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 854738 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854857 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 854923 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 854993 | xxxxxx D A | Closed | xxxxxx | 2025-12-29 11:22 | 2026-01-06 06:43 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received UW DSCR Calculation on 1008. - Due Diligence Vendor-01/06/2026 <br> Open-The DSCR Calculation from lender is Missing. Please provide Loan approval or DSCR Calculation worksheet that contains the DSCR Calculation used by lender to qualify. - Due Diligence Vendor-12/29/2025 |  | Resolved-Received UW DSCR Calculation on 1008. - Due Diligence Vendor-01/06/2026<br>| On time mortgage history exceeds guideline requirement - 40+ months Housing History exceeds 12 months guides.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 700 - actual FICO score is 784. Required is 700 Borrower has 784 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855009 | xxxxxx C A | Closed | xxxxxx | 2026-01-08 09:14 | 2026-03-04 09:42 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received SOS acceptance of LLC listed on the legal documents. - Due Diligence Vendor-03/04/2026 <br> Counter-Received SOS acceptance of LLC listed on the legal documents. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. see attached SOS now legible. - Buyer-02/27/2026 <br> Counter-Received SOS document. Missing clarification of why members on Operating Agreement do not match the EIN letter. - Due Diligence Vendor-02/27/2026 <br> Counter-Received a blurry document that appear to be from SOS. Unable to confirm Name change acceptance for Current EIN. - Due Diligence Vendor-02/17/2026 <br> Counter-Received LOX indicating there was a name change. Missing proof of name change acceptance for current EIN. - Due Diligence Vendor-02/10/2026 <br> Open-Legal document incorrect or has issues. 1.)Members on the Operating Agreement Exhibits A and B does not match the members listed on the EIN letter in file. Provide clarification on the role/member affiliation of the individual listed on the EIN to the borrowing entity. - Due Diligence Vendor-01/08/2026 |  | Resolved-Received SOS acceptance of LLC listed on the legal documents. - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 706 and minimum allowed is 660 Required is 660 Borrower has 706<br>LTV is less than guideline maximum - LTV is 40.59% and max allowed is 75% Required is 75 Borrower has 40.59 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 855556 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 855654 | xxxxxx D A | Closed | xxxxxx | 2026-01-16 15:25 | 2026-01-21 11:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received paid invoice confirming premium. - Due Diligence Vendor-01/21/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing premium - Due Diligence Vendor-01/16/2026 |  | Resolved-Received paid invoice confirming premium. - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 671 which exceeds the minimum of 640 Required is 640 Borrower has 679<br>DSCR % greater than 1.20 - Calculated DSCR of 1.328 which exceeds the minimum required of 0 Required is 0 Borrower has 1.327<br>LTV is less than guideline maximum - LTV of 70% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 70 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 855729 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 855799 | xxxxxx C A | Closed | xxxxxx | 2025-12-24 11:56 | 2026-01-26 11:12 | Resolved | 1 - Information C A | Credit | Closing | Security Instrument Date is greater than current date | Resolved-No document provided. Received explanation. xxxxxx allows DOT after signature if Notary matches. - Due Diligence Vendor-01/26/2026 <br> Open-Security Instrument Date is greater than the transaction date of xxxxxx Notary date xxxxxx and DOT is dated xxxxxx. - Due Diligence Vendor-12/24/2025 |  | Resolved-No document provided. Received explanation. xxxxxx allows DOT after signature if Notary matches. - Due Diligence Vendor-01/26/2026 | LTV is less than guideline maximum - Required is 80. Borrower has 75. Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640. Borrower has 786. Required is 640 Borrower has 786 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 856354 | xxxxxx D A C | Closed | xxxxxx | 2026-01-29 13:45 | 2026-02-20 09:53 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History was provided. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 <br> Counter-Received rebuttal VOM for subject reflects Dec 2025 payment. Missing we are missing Dec 2025 payment statement. Review of 1003 document xxxxxx as Primary, but Fraud report pg 31 -32 of 51 indicate property is not owner occupied and is a xxxxxx. Please confirm. Additional findings may apply. - Due Diligence Vendor-02/15/2026 <br> Counter-Received VOM for xxxxxx. Review of 1003 document xxxxxx as Primary, but Fraud report pg 31 -32 of 51 indicate property is not owner occupied and is a xxxxxx. Please confirm. Additional findings may apply. - Due Diligence Vendor-02/12/2026 <br> Counter-Property report provided reflects the primary residence is a xxxxxx. - Due Diligence Vendor-02/06/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide proof that current residence is owned free & clear with lien report.<br> VOM provided by LLC for subject and must be supported by showing the most recent 6 months pay history with payment statement. We are missing Dec 2025 payment statement. <br> - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-02/20/2026<br>| Resolved-Housing History was provided. - Due Diligence Vendor-02/20/2026<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 24 Months Required = 12 months<br>Long term residence - Borrower has been living in current home for 13 years - reviewed 24 mos - no lates on mtg. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856354 | xxxxxx D A C | Closed | xxxxxx | 2026-01-29 13:30 | 2026-02-20 09:43 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Upon further review, the loan file contained all required vested entity as insured documentation - Due Diligence Vendor-02/04/2026 <br> Open-Named Insured does not match Borrower(s) Name(s) Insured name must be borrower individual name and Business name as shown on Note. - Due Diligence Vendor-01/29/2026 |  | Resolved-Upon further review, the loan file contained all required vested entity as insured documentation - Due Diligence Vendor-02/04/2026<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 24 Months Required = 12 months<br>Long term residence - Borrower has been living in current home for 13 years - reviewed 24 mos - no lates on mtg. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856354 | xxxxxx D A C | Closed | xxxxxx | 2026-01-29 13:30 | 2026-02-20 09:43 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Rent Loss Coverage was provided. - Due Diligence Vendor-02/20/2026 <br> Open-Rent Loss Coverage is Insufficient or Missing. Rent loss insurance for 6 months is required and not shown on HOI. Update DTI if policy increases. - Due Diligence Vendor-01/29/2026 |  | Resolved-Rent Loss Coverage was provided. - Due Diligence Vendor-02/20/2026<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 24 Months Required = 12 months<br>Long term residence - Borrower has been living in current home for 13 years - reviewed 24 mos - no lates on mtg. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856354 | xxxxxx D A C | Closed | xxxxxx | 2026-01-29 13:21 | 2026-02-19 11:27 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received desk review. - Due Diligence Vendor-02/19/2026 <br> Counter-Received desk review of appraisal in the amount of xxxxxx dated xxxxxx. Review received appraisal xxxxxx dated xxxxxx (signature date) Provide desk review supporting value of xxxxxx appraisal. - Due Diligence Vendor-02/05/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing Secondary assessment for value (as xxxxxx/xxxxxx SSR's did not provide scores) - Due Diligence Vendor-01/29/2026 |  | Resolved-Received desk review. - Due Diligence Vendor-02/19/2026<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 24 Months Required = 12 months<br>Long term residence - Borrower has been living in current home for 13 years - reviewed 24 mos - no lates on mtg. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856354 | xxxxxx D A C | Closed | xxxxxx | 2026-01-29 14:24 | 2026-02-19 10:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received final cd for refi confirming sufficient reserves. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 <br> Counter-No new document provided. Received comment see final CD. CD previously provided missing signature or title marked as certified final CD. - Due Diligence Vendor-02/18/2026 <br> Counter-Received CD for xxxxxx reflecting proceeds sufficient for reserves. Missing signature or title marked as certified final CD. - Due Diligence Vendor-02/04/2026 <br> Open-Audited Reserves of 1.21 month(s) are less than Guideline Required Reserves of 2 month(s) We missing one month of bank statements to support sufficient reserves required. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Received final cd for refi confirming sufficient reserves. - Due Diligence Vendor-02/19/2026<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 24 Months Required = 12 months<br>Long term residence - Borrower has been living in current home for 13 years - reviewed 24 mos - no lates on mtg. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856354 | xxxxxx D A C | Closed | xxxxxx | 2026-01-29 13:47 | 2026-02-09 11:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-The Guaranty Agreement Doc received. - Due Diligence Vendor-02/09/2026 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing fully execute Personal Guaranty form. - Due Diligence Vendor-01/29/2026 |  | Resolved-The Guaranty Agreement Doc received. - Due Diligence Vendor-02/09/2026<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 24 Months Required = 12 months<br>Long term residence - Borrower has been living in current home for 13 years - reviewed 24 mos - no lates on mtg. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 856636 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 856807 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857156 | xxxxxx D A | Closed | xxxxxx | 2026-04-14 12:36 | 2026-04-24 09:24 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received complete housing history for xxxxxx - Due Diligence Vendor-04/24/2026 <br> Counter-Pending receipt of the missing REO payment histories. - Due Diligence Vendor-04/22/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing lease agreements and Mtg. history to support the ability repay and to confirm the Full payments. - Due Diligence Vendor-04/14/2026 |  | Resolved-Received complete housing history for xxxxxx - Due Diligence Vendor-04/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 704 is higher than the required 660 Required is 660 Borrower has 704<br>LTV is less than guideline maximum - Required is 80 Borrower has 64.4 Required is 80 Borrower has 64.4<br>Qualifying DTI below maximum allowed - DTI 42.91% is lower than allowable 50% Required is 50 Borrower has 42.97 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857156 | xxxxxx D A | Closed | xxxxxx | 2026-04-14 12:22 | 2026-04-24 09:23 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received complete housing history for xxxxxx - Due Diligence Vendor-04/24/2026 <br> Counter-Received Mortgage statements for xxxxxx from xxxxxx. Please provide the remaining 12 months payment history. Please provide the full 12 month payment history for xxxxxx. - Due Diligence Vendor-04/22/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide the VOM or 12 months canceled checks to cover the required 12 month housing history for REO xxxxxx. Credit report is not reporting - Due Diligence Vendor-04/14/2026 |  | Resolved-Received complete housing history for xxxxxx - Due Diligence Vendor-04/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 704 is higher than the required 660 Required is 660 Borrower has 704<br>LTV is less than guideline maximum - Required is 80 Borrower has 64.4 Required is 80 Borrower has 64.4<br>Qualifying DTI below maximum allowed - DTI 42.91% is lower than allowable 50% Required is 50 Borrower has 42.97 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857156 | xxxxxx D A | Closed | xxxxxx | 2026-04-14 12:26 | 2026-04-22 12:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA for xxxxxx - Due Diligence Vendor-04/22/2026 <br> Open-Provide the Mtg. statement for the REO xxxxxx to support the Taxes and Ins and if HOA dues. Only provide leases and not Mtg statement. - Due Diligence Vendor-04/14/2026 |  | Resolved-Received PITIA for xxxxxx - Due Diligence Vendor-04/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 704 is higher than the required 660 Required is 660 Borrower has 704<br>LTV is less than guideline maximum - Required is 80 Borrower has 64.4 Required is 80 Borrower has 64.4<br>Qualifying DTI below maximum allowed - DTI 42.91% is lower than allowable 50% Required is 50 Borrower has 42.97 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857174 | xxxxxx C A | Closed | xxxxxx | 2026-01-21 20:19 | 2026-01-27 10:58 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received Condo Structural Reports. - Due Diligence Vendor-01/27/2026 <br> Open-The file does not contain the required structural engineer report per state law. Condo Structural Reports not in file. Copy of report required per HOA questionnaire. - Due Diligence Vendor-01/22/2026 |  | Resolved-Received Condo Structural Reports. - Due Diligence Vendor-01/27/2026<br>| Long term residence - 4 Years in primary residence<br>Months Reserves exceed minimum required - 12.37 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857425 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 857434 | xxxxxx D A | Closed | xxxxxx | 2026-01-26 11:27 | 2026-01-28 17:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Certificate of Matters Stated on the Resident Record provided with primary residence. - Due Diligence Vendor-01/28/2026 <br> Counter-Primary PITIA is not required, however guidelines state - Foreign National borrowers must evidence their primary residence for the country issuing their passport. - Due Diligence Vendor-01/27/2026 <br> Open-Foreign National borrowers must evidence their primary residence for the country issuing their passport. - Due Diligence Vendor-01/26/2026 |  | Resolved-Certificate of Matters Stated on the Resident Record provided with primary residence. - Due Diligence Vendor-01/28/2026<br>| Long term residence - Borrower lived at primary for 3 years.<br>Months Reserves exceed minimum required - 12.08 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857434 | xxxxxx D A | Closed | xxxxxx | 2026-01-25 19:15 | 2026-01-26 17:14 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Upon further review, the seller side is on the settlement statement. - Due Diligence Vendor-01/26/2026 <br> Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/26/2026 |  | Resolved-Upon further review, the seller side is on the settlement statement. - Due Diligence Vendor-01/26/2026<br>| Long term residence - Borrower lived at primary for 3 years.<br>Months Reserves exceed minimum required - 12.08 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857434 | xxxxxx D A | Closed | xxxxxx | 2026-01-25 18:28 | 2026-01-26 17:11 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-PUD language within the mortgage. - Due Diligence Vendor-01/26/2026 <br> Open-PUD Rider is Missing - Due Diligence Vendor-01/25/2026 |  | Resolved-PUD language within the mortgage. - Due Diligence Vendor-01/26/2026<br>| Long term residence - Borrower lived at primary for 3 years.<br>Months Reserves exceed minimum required - 12.08 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857440 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 14:11 | 2026-02-17 14:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-PI terms provided for other property. - Due Diligence Vendor-02/17/2026 <br> Counter-Received Appraisal for xxxxxx to document HOA and Tax bill that confirm 2 lots to document taxes. Missing PI terms for xxxxxx closed concurrently. - Due Diligence Vendor-02/12/2026 <br> Open-Missing verification of taxes, for non-subject property REO xxxxxx (primary).<br> Missing verification of taxes, insurance, and/or HOA fees for non-subject property for REO xxxxxx. - Due Diligence Vendor-01/29/2026 |  | Resolved-PI terms provided for other property. - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 Required is 660 Borrower has 717<br>Months Reserves exceed minimum required - 249 Months Reserves exceed 6 months minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857440 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 14:20 | 2026-02-15 16:18 | Resolved | 1 - Information B A | Credit | Closing | Prepayment Penalty Issue | Resolved-Received correct prepay addendum to Note and Rider to security instrument. - Due Diligence Vendor-02/15/2026 <br> Open-Pre-Payment Penalty Term is present but Maximum Pre-Payment Penalty Amount is 0 Prepayment Penalty Addendum is missing the Prepayment Penalty Amount. - Due Diligence Vendor-01/28/2026 |  | Resolved-Received correct prepay addendum to Note and Rider to security instrument. - Due Diligence Vendor-02/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 Required is 660 Borrower has 717<br>Months Reserves exceed minimum required - 249 Months Reserves exceed 6 months minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857440 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 14:45 | 2026-02-05 14:58 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-The borrower is paying off a blanket mortgage but is receiving no cash out with this transaction. - Due Diligence Vendor-02/05/2026 <br> Counter-Received 1008 reflecting not cross collateral. Only portion of loan paid at closing. Original finding remains. - Due Diligence Vendor-02/04/2026 <br> Open-Loan does not conform to program guidelines. Loan closing closing concurrently with an additional property paying off entire mortgage and subject loan is rate and term and should be considered cash out. Provide clarification for Cross- collateralization. - Due Diligence Vendor-01/29/2026 |  | Resolved-The borrower is paying off a blanket mortgage but is receiving no cash out with this transaction. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 Required is 660 Borrower has 717<br>Months Reserves exceed minimum required - 249 Months Reserves exceed 6 months minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857440 | xxxxxx D A | Closed | xxxxxx | 2026-01-29 08:29 | 2026-02-04 13:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final settlement statement for xxxxxx - Due Diligence Vendor-02/04/2026 <br> Open-Missing HUD-1 Closing Statement for loan closing concurrently xxxxxx (due to both loans are paying off the first lien). - Due Diligence Vendor-01/29/2026 |  | Resolved-Received final settlement statement for xxxxxx - Due Diligence Vendor-02/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 717 Required is 660 Borrower has 717<br>Months Reserves exceed minimum required - 249 Months Reserves exceed 6 months minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857499 | xxxxxx C B A | Closed | xxxxxx | 2026-02-09 10:01 | 2026-03-11 12:59 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Proof of 7/1 payment provided. - Due Diligence Vendor-03/11/2026 <br> Counter-LOE signed and dated provided. Please provide the FCI statement for the 7/1/2025 payment. - Due Diligence Vendor-03/11/2026 <br> Counter-Received statement from FCI reflecting loan matured xxxxxx for xxxxxx. Provide acceptable 12 month housing history for borrower as LOE indicates living in xxxxxx as primary but not dated or signed. Original finding remains. - Due Diligence Vendor-03/05/2026 <br> Counter-Received Data Tree and Operating agreement of xxxxxx. xxxxxx Guidelines 07/18/2024- PG 9- VOM-Borrower's mortgage and/or rental history may not reflect any late payments in the last 24 months. Such payments will be reviewed on an exception basis. Guideline requires the confirmation 24 months. Finding Remains. - Due Diligence Vendor-02/11/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Unable to confirm a 12 month housing history on the borrower's primary home based on the information provided. The 1003 does not indicate time in current home and the LOE does not either. There is also no recent mortgage history reporting on credit or any proof of a free and clear primary home or rent free letter. - Due Diligence Vendor-02/09/2026 |  | Resolved-Proof of 7/1 payment provided. - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 687<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.032 Required is 0.75 Borrower has 1.036<br>LTV is less than guideline maximum - Required is 70 Borrower has 63.73 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 857499 | xxxxxx C B A | Closed | xxxxxx | 2026-02-09 09:45 | 2026-02-09 10:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Waiver applied to non-material findings. Loan closed in entity name. - Due Diligence Vendor-02/09/2026 <br> Open-Prepayment Penalty is not allowed. xxxxxx does not allow vesting in an LLC - Due Diligence Vendor-02/09/2026 |  | Waived-Waiver applied to non-material findings. Loan closed in entity name. - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 687<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.032 Required is 0.75 Borrower has 1.036<br>LTV is less than guideline maximum - Required is 70 Borrower has 63.73 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 857799 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 858046 | xxxxxx D B A | Closed | xxxxxx | 2026-02-18 14:54 | 2026-02-23 10:47 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Client provided updated Fraud Report - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please updated fraud report with LLC and lender - Buyer-02/23/2026 <br> Counter-Received duplicate Fraud report. Missing Borrowers Business xxxxxx and Lender. - Due Diligence Vendor-02/20/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists The exclusionary list is missing the borrowing business entity and the lender. - Due Diligence Vendor-02/18/2026 |  | Resolved-Client provided updated Fraud Report - Due Diligence Vendor-02/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 742<br>DSCR % greater than 1.20 - calculated DSCR is 1.959, guideline requirement is 0. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858046 | xxxxxx D B A | Closed | xxxxxx | 2026-02-18 14:47 | 2026-02-20 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Deed of Trust Riders | Resolved-Commercial assignment of rents and leases provided as the security instrument. 1-4 fam rider not required. - Due Diligence Vendor-02/20/2026 <br> Open-Missing the 1-4 family rider to the mortgage. - Due Diligence Vendor-02/18/2026 |  | Resolved-Commercial assignment of rents and leases provided as the security instrument. 1-4 fam rider not required. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 742<br>DSCR % greater than 1.20 - calculated DSCR is 1.959, guideline requirement is 0. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858046 | xxxxxx D B A | Closed | xxxxxx | 2026-02-18 15:00 | 2026-02-18 15:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Investor waiver applied to non-material finding with comp factors. - Due Diligence Vendor-02/18/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower has no prrmary housing history. - Due Diligence Vendor-02/18/2026 |  | Waived-Investor waiver applied to non-material finding with comp factors. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 742<br>DSCR % greater than 1.20 - calculated DSCR is 1.959, guideline requirement is 0. | credit score 30+ points greaster than minimum required. DSCR greater than 1.3. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 858055 | xxxxxx D A | Closed | xxxxxx | 2026-03-04 14:55 | 2026-03-23 09:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received personal guaranty. - Due Diligence Vendor-03/23/2026 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Provide Guaranty agreement. - Due Diligence Vendor-03/04/2026 |  | Resolved-Received personal guaranty. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 660 ; Borrower FICO is 746.<br> Required is 660 Borrower has 746<br>Months Reserves exceed minimum required - 54 months > 2 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858055 | xxxxxx D A | Closed | xxxxxx | 2026-03-04 15:04 | 2026-03-23 09:23 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-03/23/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-03/04/2026 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 660 ; Borrower FICO is 746.<br> Required is 660 Borrower has 746<br>Months Reserves exceed minimum required - 54 months > 2 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858160 | xxxxxx C B A | Closed | xxxxxx | 2026-02-18 10:01 | 2026-02-23 08:50 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Revised appraisal was provided. - Due Diligence Vendor-02/23/2026 <br> Counter-Received duplicate appraisal. Page 2 of 7 1004 and page 1 of Operating income statement still reflect $825 rent for unit xxxxxx of a xxxxxx unit property. - Due Diligence Vendor-02/20/2026 <br> Open-Property Issues are identified for the property Appraiser to comment on $825 market rent used on unit xxxxxx of a xxxxxx unit property, actual market rents $2,050 with added $825 = $2,875? Correction required if in error. - Due Diligence Vendor-02/18/2026 |  | Resolved-Revised appraisal was provided. - Due Diligence Vendor-02/23/2026<br>| Months Reserves exceed minimum required - 194 months reserves is greater than required 2 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO per guideline is 640; Borrower has FICO of 790. Required is 640 Borrower has 790 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858160 | xxxxxx C B A | Closed | xxxxxx | 2026-02-18 10:12 | 2026-02-18 10:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client waiver applied to non material finding with comp factors. Deemed non material as loan amount is xxxxxx short of required xxxxxx allowing up to 80% LTV and less than 5% exception to LTV. - Due Diligence Vendor-02/18/2026 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Loan amount is less than xxxxxx at xxxxxx. - Due Diligence Vendor-02/18/2026 |  | Waived-Client waiver applied to non material finding with comp factors. Deemed non material as loan amount is xxxxxx short of required xxxxxx allowing up to 80% LTV and less than 5% exception to LTV. DSCR at 1.40 with 1.25 required. - Due Diligence Vendor-02/18/2026 | Months Reserves exceed minimum required - 194 months reserves is greater than required 2 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO per guideline is 640; Borrower has FICO of 790. Required is 640 Borrower has 790 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 858160 | xxxxxx C B A | Closed | xxxxxx | 2026-02-13 17:14 | 2026-02-18 10:16 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-02/18/2026 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-02/13/2026 |  | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-02/18/2026<br>| Months Reserves exceed minimum required - 194 months reserves is greater than required 2 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO per guideline is 640; Borrower has FICO of 790. Required is 640 Borrower has 790 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 858358 | xxxxxx D A | Closed | xxxxxx | 2026-03-05 10:49 | 2026-03-20 13:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-03/20/2026 <br> Counter-Business Purpose & Occupancy Affidavit provided is incomplete. Borrower did not initial the box above the signature Line. - Due Diligence Vendor-03/13/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing The Business Purpose Affidavit Disclosure is missing. - Due Diligence Vendor-03/05/2026 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-03/20/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.536<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858358 | xxxxxx D A | Closed | xxxxxx | 2026-03-05 11:24 | 2026-03-13 10:18 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon Further review, cash out letter is not required for DSCR loans. - Due Diligence Vendor-03/13/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Missing cash out letter - Due Diligence Vendor-03/06/2026 |  | Resolved-Upon Further review, cash out letter is not required for DSCR loans. - Due Diligence Vendor-03/13/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.536<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858358 | xxxxxx D A | Closed | xxxxxx | 2026-03-06 13:01 | 2026-03-13 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received complete copy of the Final Closing Disclosure. - Due Diligence Vendor-03/13/2026 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing closing and disbursement date at the top of the first page - Due Diligence Vendor-03/06/2026 |  | Resolved-Received complete copy of the Final Closing Disclosure. - Due Diligence Vendor-03/13/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.536<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858515 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 858556 | xxxxxx C A | Closed | xxxxxx | 2026-03-26 08:32 | 2026-03-31 11:01 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received updated Fraud Report reflecting high alerts cleared. - Due Diligence Vendor-03/31/2026 <br> Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-03/26/2026 |  | Resolved-Received updated Fraud Report reflecting high alerts cleared. - Due Diligence Vendor-03/31/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 660; Borrower FICO is 734. Required is 660 Borrower has 734<br>LTV is less than guideline maximum - Maximum LTV is 75%; Borrower LTV is 70% Required is 75 Borrower has 70 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858558 | xxxxxx D A | Closed | xxxxxx | 2026-03-25 16:21 | 2026-04-03 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Upon further review. per GL max LTV 70% when properties are vacant or unleased. Per Client property is unleased, documentation provided by client - Due Diligence Vendor-04/03/2026 <br> Open-2 of the 4 lease agreements in file are expired without "month to month" verbiage included. Per guidelines, lease is required. - Due Diligence Vendor-03/25/2026 |  | Resolved-Upon further review. per GL max LTV 70% when properties are vacant or unleased. Per Client property is unleased, documentation provided by client - Due Diligence Vendor-04/03/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 734<br> Required is 660 Borrower has 734 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858730 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 17:00 | 2026-02-23 08:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Settlement company included in search. - Due Diligence Vendor-02/23/2026 <br> Counter-Received CD. Please provide complete Fraud report and include all loan Participants. Previous upload provided was also missing xxxxxx. - Due Diligence Vendor-02/20/2026 <br> Counter-Received duplicate. Settlement agent is required per guidelines xxxxxx to be included. Settlement agent signed final settlement statement should be included in Loan Participant Analysis. - Due Diligence Vendor-02/12/2026 <br> Counter-Received updated Fraud Loan Participant. Missing Settlement Agent - Due Diligence Vendor-02/10/2026 <br> Counter-Received Individual report. Missing proof All Loan Participants are included in search. - Due Diligence Vendor-02/04/2026 <br> Open-Missing Third Party Fraud Report . Additional conditions may apply - Due Diligence Vendor-01/29/2026 |  | Resolved-Settlement company included in search. - Due Diligence Vendor-02/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Required is 700 Borrower has 757<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.584 Required is 0.75 Borrower has 1.584 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858730 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 17:10 | 2026-02-09 12:35 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, the loan application reflects the LOE for cash-out. - Due Diligence Vendor-02/09/2026 <br> Counter-Review of loan application did not reveal an explanation for the use of the cashout from the borrower. Review of Guideline - addendum 1- application. Cash-out Letter required (if not addressed on loan app and if applicable) - Due Diligence Vendor-02/06/2026 <br> Counter-Received application. Missing Cashout letter. - Due Diligence Vendor-02/04/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-01/29/2026 |  | Resolved-Upon further review, the loan application reflects the LOE for cash-out. - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Required is 700 Borrower has 757<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.584 Required is 0.75 Borrower has 1.584 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858730 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 17:36 | 2026-02-06 12:22 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received Operation Agreement along with Same name Affidavits executed by both borrowers. - Due Diligence Vendor-02/06/2026 <br> Counter-Received articles for company. Documents provided did not confirm borrower's ownership. Ownership in the name of xxxxxx 50/50. - Due Diligence Vendor-02/04/2026 <br> Open-Missing Articles of Incorporation & Bylaws per GL - Due Diligence Vendor-01/28/2026 |  | Resolved-Received Operation Agreement along with Same name Affidavits executed by both borrowers. - Due Diligence Vendor-02/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Required is 700 Borrower has 757<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.584 Required is 0.75 Borrower has 1.584 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858730 | xxxxxx D A | Closed | xxxxxx | 2026-01-28 16:37 | 2026-02-02 16:50 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-After further review, this lender does not require this disclosure. Only national banks or Federal savings association are required to provide the Notice. - Due Diligence Vendor-02/02/2026 <br> Open-Subject Property is in Flood Zone AE but Notice of Special Flood Hazard Disclosure was not provided - Due Diligence Vendor-01/29/2026 |  | Resolved-After further review, this lender does not require this disclosure. Only national banks or Federal savings association are required to provide the Notice. - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 Required is 700 Borrower has 757<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.584 Required is 0.75 Borrower has 1.584 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858757 | xxxxxx D B A | Closed | xxxxxx | 2026-02-23 14:50 | 2026-03-11 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-After further review, the approval is in the loan file. - Due Diligence Vendor-03/03/2026 <br> Open-Missing Approval/Underwriting Summary 1008 or lender approval missing from file. - Due Diligence Vendor-02/23/2026 |  | Resolved-After further review, the approval is in the loan file. - Due Diligence Vendor-03/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required minimum FICO per guidelines is 640; Borrower FICO is 685. Required is 640 Borrower has 685<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR per guidelines is 0.75%; Borrower's calculated DSCR is 1.051%. Required is 0.75 Borrower has 1.051 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858757 | xxxxxx D B A | Closed | xxxxxx | 2026-02-26 09:57 | 2026-03-10 16:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Waived-Borrower and seller were provided - Due Diligence Vendor-03/10/2026 <br> Counter-Received OFAC clearance on seller. Please provided a Fraud Report with all loan participants - Due Diligence Vendor-03/05/2026 <br> Counter-Received rebuttal Title company runs OFAC. Please provided a Fraud Report with all loan participants - Due Diligence Vendor-03/03/2026 <br> Counter-Fraud report for the borrower provided, however it does not include any other loan participants. Please provided a Fraud Report with all loan participants - Due Diligence Vendor-02/26/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-02/26/2026 |  | Waived-Borrower and seller were provided - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required minimum FICO per guidelines is 640; Borrower FICO is 685. Required is 640 Borrower has 685<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR per guidelines is 0.75%; Borrower's calculated DSCR is 1.051%. Required is 0.75 Borrower has 1.051 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 858757 | xxxxxx D B A | Closed | xxxxxx | 2026-02-23 14:10 | 2026-03-10 15:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Waived-Received OFAC on the borrower and seller. Deemed non material for all other parties to the transaction. - Due Diligence Vendor-03/10/2026 <br> Counter-Received OFAC on seller. Missing for all parties in transaction. - Due Diligence Vendor-03/05/2026 <br> Counter-Received rebuttal Title company runs OFAC. Fraud Report must reflect OFAC clearance for all interested parties. - Due Diligence Vendor-03/03/2026 <br> Counter-Fraud report for the borrower provided, however it does not include any other loan participants. Please provided a Fraud Report with all loan participants - Due Diligence Vendor-02/26/2026 <br> Open-OFAC Check Not Completed and/or Cleared Fraud Report missing from file. - Due Diligence Vendor-02/23/2026 |  | Waived-Received OFAC on the borrower and seller. Deemed non material for all other parties to the transaction. - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required minimum FICO per guidelines is 640; Borrower FICO is 685. Required is 640 Borrower has 685<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR per guidelines is 0.75%; Borrower's calculated DSCR is 1.051%. Required is 0.75 Borrower has 1.051 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 858757 | xxxxxx D B A | Closed | xxxxxx | 2026-02-23 14:56 | 2026-02-26 11:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received Source. - Due Diligence Vendor-02/26/2026 <br> Open-Large deposits $150,000 on 2/6/2026 on borrower bank statement is missing supporting documentation. - Due Diligence Vendor-02/23/2026 |  | Resolved-Received Source. - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required minimum FICO per guidelines is 640; Borrower FICO is 685. Required is 640 Borrower has 685<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR per guidelines is 0.75%; Borrower's calculated DSCR is 1.051%. Required is 0.75 Borrower has 1.051 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858757 | xxxxxx D B A | Closed | xxxxxx | 2026-02-23 14:10 | 2026-02-26 09:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-After further review, the fraud report is in the loan file. - Due Diligence Vendor-02/25/2026 <br> Open-Missing Third Party Fraud Report Provide Fraud Report. - Due Diligence Vendor-02/23/2026 |  | Resolved-After further review, the fraud report is in the loan file. - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required minimum FICO per guidelines is 640; Borrower FICO is 685. Required is 640 Borrower has 685<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR per guidelines is 0.75%; Borrower's calculated DSCR is 1.051%. Required is 0.75 Borrower has 1.051 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858798 | xxxxxx C A | Closed | xxxxxx | 2026-02-24 14:38 | 2026-03-05 11:50 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/05/2026 <br> Counter-Received Riders and marked up legal description. Please provide complete security instrument with legal description attached considered for recording. - Due Diligence Vendor-02/27/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A; legal description. - Due Diligence Vendor-02/24/2026 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/05/2026<br>| On time mortgage history exceeds guideline requirement - Guidelines allow 1x30x12 for the mortgage history. The borrower's credit report reflects 0x30x69 for the nortgage history.<br>Long term residence - Borrower has resided in the primary residence for 5 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858798 | xxxxxx C A | Closed | xxxxxx | 2026-02-23 13:28 | 2026-03-02 10:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional assets. Audited Reserves of 4.16 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-03/02/2026 <br> Open-Audited Reserves of 0.35 month(s) are less than Guideline Required Reserves of 2 month(s) Provide additional assets to cover the reserve requirement. - Due Diligence Vendor-02/23/2026 |  | Resolved-Received additional assets. Audited Reserves of 4.16 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-03/02/2026<br>| On time mortgage history exceeds guideline requirement - Guidelines allow 1x30x12 for the mortgage history. The borrower's credit report reflects 0x30x69 for the nortgage history.<br>Long term residence - Borrower has resided in the primary residence for 5 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 858802 | xxxxxx C A | Closed | xxxxxx | 2026-02-02 10:53 | 2026-02-10 10:09 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received from originator: Docs are correct and loan tape is incorrect. 3 yr prepay<br> - Due Diligence Vendor-02/10/2026 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '36'. Per note - PPP term is 3 years (36 months). - tape value 24 months. - Due Diligence Vendor-02/04/2026 |  | Resolved-Received from originator: Docs are correct and loan tape is incorrect. 3 yr prepay<br> - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 757<br>LTV is less than guideline maximum - Required is 80 Borrower has 54.88 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858803 | xxxxxx D A | Closed | xxxxxx | 2026-02-09 16:32 | 2026-02-26 10:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The business purpose affidavit for this lender is called the Certification of Occupancy and Commercial Loan. - Due Diligence Vendor-02/26/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose Affidavit/Disclosure Missing. - Due Diligence Vendor-02/09/2026 |  | Resolved-The business purpose affidavit for this lender is called the Certification of Occupancy and Commercial Loan. - Due Diligence Vendor-02/26/2026<br>| LTV is less than guideline maximum - LTV 61.91%. Allowed LTV 70% Required is 70 Borrower has 61.91<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 661; guidelines require 640. Required is 640 Borrower has 661 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858821 | xxxxxx C B A | Closed | xxxxxx | 2026-03-04 15:14 | 2026-03-12 12:21 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received loan summary. - Due Diligence Vendor-03/12/2026 <br> Counter-Receive note 1008 located within original file. Review was unable to locate. Conditional approval received does not reflect loan terms. Please provide 1008 or equivalent. - Due Diligence Vendor-03/10/2026 <br> Open-Missing Approval/Underwriting Summary Missing loan approval or 1008 - Due Diligence Vendor-03/04/2026 |  | Resolved-Received loan summary. - Due Diligence Vendor-03/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764<br>DSCR % greater than 1.20 - DSCR is 1.30<br>LTV is less than guideline maximum - Required is 70 Borrower has 61.9 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 858821 | xxxxxx C B A | Closed | xxxxxx | 2026-03-04 14:31 | 2026-03-06 09:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Property Issues are identified for the property The guidelines for xxxxxx require xxxxxx. The subject property is xxxxxx and meets most of the required criteria except the xxxxxx. Approved exeption in file. Non-material based on comp factors. - Due Diligence Vendor-03/06/2026 <br> Open-Property Issues are identified for the property The guidelines for xxxxxx require xxxxxx. The subject property is xxxxxx and meets most of the required criteria except the xxxxxx. Approved exeption in file. - Due Diligence Vendor-03/06/2026 |  | Waived-Property Issues are identified for the property The guidelines for xxxxxx require xxxxxx. The subject property is xxxxxx and meets most of the required criteria except the xxxxxx. Approved exeption in file. Non-material based on comp factors. - Due Diligence Vendor-03/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764<br>DSCR % greater than 1.20 - DSCR is 1.30<br>LTV is less than guideline maximum - Required is 70 Borrower has 61.9 | 1) Property has xxxxxx, not log<br> 2) Experienced Investors: Currently has another short-term rental in the same market<br> 3) Strong 764 FICO | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 858872 | xxxxxx C A | Closed | xxxxxx | 2026-05-07 14:18 | 2026-05-18 12:53 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Income calc updated using total income from W2's - Due Diligence Vendor-05/15/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds 50% - Due Diligence Vendor-05/07/2026 |  | Resolved-Income calc updated using total income from W2's - Due Diligence Vendor-05/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 47 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858872 | xxxxxx C A | Closed | xxxxxx | 2026-05-07 08:13 | 2026-05-15 10:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Income calc updated using total income from W2's - Due Diligence Vendor-05/15/2026 <br> Open-Audited DTI of 52.16% exceeds Guideline DTI of 50% (audit income matches lenders per income worksheets) - Due Diligence Vendor-05/07/2026 |  | Resolved-Income calc updated using total income from W2's - Due Diligence Vendor-05/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 47 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858935 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859080 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 859138 | xxxxxx B A | Closed | xxxxxx | 2026-02-12 12:44 | 2026-02-12 13:40 | Waived | 2 - Non-Material B | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Waived-Originator waiver applied to non material finding with comp factors.<br> - Due Diligence Vendor-02/12/2026 <br> Open-Public FEMA disaster after appraisal without a PDI or 1004D. xxxxxx Declaration xxxxxx - Due Diligence Vendor-02/12/2026 |  | Waived-Originator waiver applied to non material finding with comp factors.<br> - Due Diligence Vendor-02/12/2026<br>| On time mortgage history exceeds guideline requirement - Paid as agreed 71 months exceeds require 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 778 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 859165 | xxxxxx D B A | Closed | xxxxxx | 2026-02-12 16:04 | 2026-03-05 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Schedule A. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/03/2026 <br> Counter-Received partial title. Please provide complete Title that include the effective date. - Due Diligence Vendor-02/23/2026 <br> Open-Title Document is Incomplete Commitment/effective date is missing. - Due Diligence Vendor-02/12/2026 |  | Resolved-Received Schedule A. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO allowed per guidelines is 680, Borrower has 721 Required is 680 Borrower has 721<br>LTV is less than guideline maximum - Max LTV allowed per guidelines 65% Borrower qualifies at 54.32% Required is 65 Borrower has 54.32 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859165 | xxxxxx D B A | Closed | xxxxxx | 2026-02-12 17:00 | 2026-03-05 10:56 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received confirmation from insurer RCE and inflation guard confirm replacement cost coverage. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/03/2026 <br> Counter-Received a risk report that does not match existing insurance- document appear to be from 5/30/2023<br> - Due Diligence Vendor-02/19/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-02/12/2026 |  | Resolved-Received confirmation from insurer RCE and inflation guard confirm replacement cost coverage. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO allowed per guidelines is 680, Borrower has 721 Required is 680 Borrower has 721<br>LTV is less than guideline maximum - Max LTV allowed per guidelines 65% Borrower qualifies at 54.32% Required is 65 Borrower has 54.32 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859165 | xxxxxx D B A | Closed | xxxxxx | 2026-02-17 12:29 | 2026-02-17 12:30 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/17/2026 <br> Open- Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC - Due Diligence Vendor-02/17/2026 |  | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO allowed per guidelines is 680, Borrower has 721 Required is 680 Borrower has 721<br>LTV is less than guideline maximum - Max LTV allowed per guidelines 65% Borrower qualifies at 54.32% Required is 65 Borrower has 54.32 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 859168 | xxxxxx C B A | Closed | xxxxxx | 2026-02-23 14:43 | 2026-03-16 11:01 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the 24-month guideline applies to 5-9 unit properties and mixed use. - Due Diligence Vendor-03/16/2026 <br> Counter-Guidelines state - For xxxxxx Program, the borrower(s)/guarantor(s) cannot have a current 30-day late payment with a maximum of 1 late over the past 12 months (1x30x12), and no more than two 30-day late payments within the last 24 months (2x30x24). Finding remains. - Due Diligence Vendor-03/13/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Per guides, if subject is a multi family home, 24 months of housing needs to be verified. Only 12 months of statements to verify timely payments are in file. - Due Diligence Vendor-02/23/2026 |  | Resolved-After further review, the 24-month guideline applies to 5-9 unit properties and mixed use. - Due Diligence Vendor-03/16/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 59.9 Required is 75 Borrower has 59.9<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.042 Required is 0.75 Borrower has 1.042<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735 Required is 660 Borrower has 735 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859168 | xxxxxx C B A | Closed | xxxxxx | 2026-02-25 08:51 | 2026-02-25 16:58 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non-material finding. Prepay in xxxxxx vested in an entity. - Due Diligence Vendor-02/25/2026 <br> Open-Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity - Due Diligence Vendor-02/25/2026 |  | Waived-Client waiver applied to non-material finding. Prepay in xxxxxx vested in an entity. - Due Diligence Vendor-02/25/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 59.9 Required is 75 Borrower has 59.9<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.042 Required is 0.75 Borrower has 1.042<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735 Required is 660 Borrower has 735 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 859253 | xxxxxx D B A | Closed | xxxxxx | 2026-03-26 17:45 | 2026-04-07 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Updated guaranty agreement removing the co-borrower provided. - Due Diligence Vendor-04/07/2026 <br> Counter-Received personal guaranty. Finding remains. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/03/2026 <br> Open-Third Party Fraud Report Partially Provided Missing Fraud report for B2 - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. - Seller-04/03/2026<br>| Resolved-Updated guaranty agreement removing the co-borrower provided. - Due Diligence Vendor-04/07/2026<br>| Additional assets not used to qualify - 31 months reserves > 6 required<br>DSCR % greater than 1.20 - RDSCR is 1.397 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859253 | xxxxxx D B A | Closed | xxxxxx | 2026-03-26 17:39 | 2026-04-07 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Updated guaranty agreement removing the co-borrower provided. - Due Diligence Vendor-04/07/2026 <br> Counter-Received personal guaranty agreement. Missing credit report for B2. (note reflects B2) - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. Please see updated guaranty - Buyer-04/03/2026 <br> Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-03/26/2026 |  | Resolved-Updated guaranty agreement removing the co-borrower provided. - Due Diligence Vendor-04/07/2026<br>| Additional assets not used to qualify - 31 months reserves > 6 required<br>DSCR % greater than 1.20 - RDSCR is 1.397 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859253 | xxxxxx D B A | Closed | xxxxxx | 2026-03-26 17:34 | 2026-04-07 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Updated guaranty agreement removing the co-borrower provided. - Due Diligence Vendor-04/07/2026 <br> Counter-Received Guaranty agreement. Missing 1003 for B2. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. please see updated guaranty - Seller-04/03/2026 <br> Open-Missing full and complete application for B2. - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. please see updated guaranty - Seller-04/03/2026<br>| Resolved-Updated guaranty agreement removing the co-borrower provided. - Due Diligence Vendor-04/07/2026<br>| Additional assets not used to qualify - 31 months reserves > 6 required<br>DSCR % greater than 1.20 - RDSCR is 1.397 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859253 | xxxxxx D B A | Closed | xxxxxx | 2026-03-19 11:18 | 2026-03-23 10:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client waiver applied to non-material finding with compensating factors. 5% LTV exception.<br> Experienced investor owns and manages 2 or more properties for 12 months<br> Subject property home ownership > 2 years - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. - Seller-03/23/2026 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 65% - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. - Seller-03/23/2026<br>| Waived-Client waiver applied to non-material finding with compensating factors. 5% LTV exception.<br> Experienced investor owns and manages 2 or more properties for 12 months<br> Subject property home ownership > 2 years - Due Diligence Vendor-03/23/2026<br>| Additional assets not used to qualify - 31 months reserves > 6 required<br>DSCR % greater than 1.20 - RDSCR is 1.397 | Credit Score 10 points > minimum required<br>| ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 859297 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 859651 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859656 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859710 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 859762 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859766 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859782 | xxxxxx C A | Closed | xxxxxx | 2026-03-03 09:27 | 2026-03-04 15:43 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the lease and VOR state the borrower paid the full year of rent on 3/18 and you can see that amount coming out of their checking account - Due Diligence Vendor-03/04/2026 <br> Open-Housing History Does Not Meet Guideline Requirements 6 months canceled checks required for private landlord verification of rent per guides. - Due Diligence Vendor-03/03/2026 |  | Resolved-After further review, the lease and VOR state the borrower paid the full year of rent on 3/18 and you can see that amount coming out of their checking account - Due Diligence Vendor-03/04/2026<br>| Months Reserves exceed minimum required - 90 months cash-out reserves exceed 2 months per guides.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733 Required is 700 Borrower has 733 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859784 | xxxxxx B A | Closed | xxxxxx | 2026-02-20 09:26 | 2026-02-20 14:31 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/20/2026 |  | Waived-Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-02/20/2026 | DSCR % greater than 1.20 - DSCR % is 1.444, min required is 1.0<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 773 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 859787 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-21 09:01 | 2026-06-08 17:28 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/21/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859787 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-21 09:01 | 2026-04-24 10:31 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd email with reason for decrease in lender credit. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Agree - Seller-04/24/2026 <br> Counter-Received COC dated xxxxxx stating that 5 Day Extension was applied. Please provide further explanation as to how this extension affected pricing and directly caused a reduction in Lender Credits to the borrower from $389.76 to $85.26. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. - Seller-04/22/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($85.26) does not exceed or equal the comparable sum of specific and non-specific lender credits ($390.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $390 to $85.26 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $304.74, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/21/2026 | Ready for Review-Agree - Seller-04/24/2026 <br>Ready for Review-Document Uploaded. - Seller-04/22/2026<br>| Resolved-Rec'd email with reason for decrease in lender credit. - Due Diligence Vendor-04/24/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859787 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-22 13:03 | 2026-04-22 16:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-VOE provided. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. - Seller-04/22/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. - Seller-04/22/2026<br>| Resolved-VOE provided. - Due Diligence Vendor-04/22/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 859787 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-21 08:06 | 2026-04-21 09:09 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived------Originator waiver applied to non-material Findings. Borrowers signed corrected 1003 post closing. - Due Diligence Vendor-04/21/2026 <br> Open-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx - Due Diligence Vendor-04/21/2026 |  | Waived------Originator waiver applied to non-material Findings. Borrowers signed corrected 1003 post closing. - Due Diligence Vendor-04/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 859787 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-21 08:06 | 2026-04-21 09:09 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived------Originator waiver applied to non-material Findings. Borrowers signed corrected 1003 post closing. - Due Diligence Vendor-04/21/2026 <br> Open-Borrower 2 Final Signature Date is greater than the transaction date of xxxxxx - Due Diligence Vendor-04/21/2026 |  | Waived------Originator waiver applied to non-material Findings. Borrowers signed corrected 1003 post closing. - Due Diligence Vendor-04/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.04<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 859802 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859825 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859933 | xxxxxx D A | Closed | xxxxxx | 2026-02-20 15:35 | 2026-03-11 16:14 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-After further review, the lender's guidelines do not require the source of funds used to purchase the property. - Due Diligence Vendor-03/11/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements The subject is a delayed financing. The source of the cash used for the purchase must be documented and is missing from loan file. Subject to additional conditions. - Due Diligence Vendor-02/20/2026 |  | Resolved-After further review, the lender's guidelines do not require the source of funds used to purchase the property. - Due Diligence Vendor-03/11/2026<br>| Months Reserves exceed minimum required - Min 6, actual 22.91<br>DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.008 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859933 | xxxxxx D A | Closed | xxxxxx | 2026-02-18 19:49 | 2026-02-24 14:19 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-After further review, an ASSIGNMENT OF LEASES AND RENTS, FIXTURE FILING, AND SECURITY AGREEMENT provided, PUD rider is not required. - Due Diligence Vendor-02/24/2026 <br> Open-PUD Rider is Missing - Due Diligence Vendor-02/19/2026 |  | Resolved-After further review, an ASSIGNMENT OF LEASES AND RENTS, FIXTURE FILING, AND SECURITY AGREEMENT provided, PUD rider is not required. - Due Diligence Vendor-02/24/2026<br>| Months Reserves exceed minimum required - Min 6, actual 22.91<br>DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.008 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859936 | xxxxxx C A | Closed | xxxxxx | 2026-03-06 11:41 | 2026-03-12 14:51 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-SOS of Good Standing was provided. - Due Diligence Vendor-03/12/2026 <br> Counter-Received Art of Organization. Please provide confirmation of Good Standing for vested entity. - Due Diligence Vendor-03/12/2026 <br> Open-The Business Entity Formation Document is Missing. Evidence of Good Standing for vested business missing per guidelines. - Due Diligence Vendor-03/06/2026 |  | Resolved-SOS of Good Standing was provided. - Due Diligence Vendor-03/12/2026<br>| Months Reserves exceed minimum required - Minm 6, Borrower has 10.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 700<br>Long term residence - Borrower has been in Primary residence for 20 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859942 | xxxxxx C B A | Closed | xxxxxx | 2026-02-18 13:06 | 2026-04-29 12:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Client provided a waiver for loan amount, applied to non material finding with comp factors - Due Diligence Vendor-03/04/2026 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $2000000 As per Guides, no exception on file - Due Diligence Vendor-02/18/2026 |  | Waived-Client provided a waiver for loan amount, applied to non material finding with comp factors - Due Diligence Vendor-03/04/2026<br>| Credit history exceeds minimum required - Borrower has a credit history dating back to 03/2011 with no late payments.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 | Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Current primary home ownership > 2 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 859942 | xxxxxx C B A | Closed | xxxxxx | 2026-02-18 12:55 | 2026-03-23 09:30 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Proceeds from sale of home are sufficient for funds to close and reserves. - Due Diligence Vendor-03/23/2026 <br> Counter-Received Settlement statement reflecting $2,630,795.07 proceeds. Received wire transfer for $81,321.34-missing final settlement statement for source. - Due Diligence Vendor-03/20/2026 <br> Counter-Wire receipt indicate $2,376,333.57 wired to Atty, but HUD reflect xxxxxx. Unable to confirm specific dollar amounts. - Due Diligence Vendor-03/09/2026 <br> Counter-Received Business Bank Statements, Operating Agreement and CD for xxxxxx and memo from lender "Lender completed a cashout with the borrower 6 days prior to purchase". Statement provided does not include url, bank stamp nor reflect EMD. Noted assets are also not noted on 1003. - Due Diligence Vendor-02/24/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Insufficient assets for closing provided. - Due Diligence Vendor-02/18/2026 |  | Resolved-Proceeds from sale of home are sufficient for funds to close and reserves. - Due Diligence Vendor-03/23/2026<br>| Credit history exceeds minimum required - Borrower has a credit history dating back to 03/2011 with no late payments.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859942 | xxxxxx C B A | Closed | xxxxxx | 2026-02-18 13:06 | 2026-03-23 09:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Proceeds from sale of home are sufficient for funds to close and reserves. - Due Diligence Vendor-03/23/2026 <br> Counter-Received Settlement statement reflecting $2,630,795.07 proceeds. Received wire transfer for $81,321.34-missing final settlement statement for source. - Due Diligence Vendor-03/20/2026 <br> Counter-Wire receipt indicate $2,376,333.57 wired to Atty, but HUD reflect xxxxxx. Unable to confirm specific dollar amounts. - Due Diligence Vendor-03/09/2026 <br> Counter-Received Business Bank Statements, Operating Agreement and CD for xxxxxx and memo from lender "Lender completed a cashout with the borrower 6 days prior to purchase". Statement provided does not include url, bank stamp nor reflect EMD. Noted assets are also not noted on 1003. - Due Diligence Vendor-02/24/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 12 month(s) Insufficient assets provided for reserves. - Due Diligence Vendor-02/18/2026 |  | Resolved-Proceeds from sale of home are sufficient for funds to close and reserves. - Due Diligence Vendor-03/23/2026<br>| Credit history exceeds minimum required - Borrower has a credit history dating back to 03/2011 with no late payments.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 859973 | xxxxxx D A | Closed | xxxxxx | 2026-02-27 14:41 | 2026-03-02 11:00 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-DSCR calc provided. - Due Diligence Vendor-03/02/2026 <br> Open-Missing Lender's DSCR calculation - Due Diligence Vendor-02/27/2026 |  | Resolved-DSCR calc provided. - Due Diligence Vendor-03/02/2026<br>| Long term residence - Borrower at primary residence 10 years<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x82 months, guides require 0x30x12 months<br>Months Reserves exceed minimum required - Required reserves are 2 months; Borrower has 12 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860011 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860026 | xxxxxx D A | Closed | xxxxxx | 2026-03-04 22:55 | 2026-03-12 12:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Received secondary valuation. - Due Diligence Vendor-03/12/2026 <br> Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. Desk Review was completed prior to the appraisal. Please provide an additional appraisal review product dated after the appraisal that supports the value and meets guidelines. - Due Diligence Vendor-03/06/2026 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-03/12/2026<br>| Long term residence - Long Term Residence = 5+ years<br>Months Reserves exceed minimum required - Borrower has been at the primary residence for 3 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860026 | xxxxxx D A | Closed | xxxxxx | 2026-03-06 10:14 | 2026-03-11 11:23 | Resolved | 1 - Information C A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-Upon further review, Loan file contains a rental analysis, which is acceptable for a SFR. - Due Diligence Vendor-03/11/2026 <br> Open-Short term rental income does not meet guides line. Per guides a 1007/1025 or Rental Analysis can not be used. - Due Diligence Vendor-03/06/2026 |  | Resolved-Upon further review, Loan file contains a rental analysis, which is acceptable for a SFR. - Due Diligence Vendor-03/11/2026<br>| Long term residence - Long Term Residence = 5+ years<br>Months Reserves exceed minimum required - Borrower has been at the primary residence for 3 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860026 | xxxxxx D A | Closed | xxxxxx | 2026-03-04 23:47 | 2026-03-09 16:53 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Approval is page 1 of the loan file. - Due Diligence Vendor-03/06/2026 <br> Open-Missing Approval/Underwriting Summary the loan file is missing an approval or a 1008 - Due Diligence Vendor-03/05/2026 |  | Resolved-Approval is page 1 of the loan file. - Due Diligence Vendor-03/06/2026<br>| Long term residence - Long Term Residence = 5+ years<br>Months Reserves exceed minimum required - Borrower has been at the primary residence for 3 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860031 | xxxxxx D A | Closed | xxxxxx | 2026-02-16 15:43 | 2026-02-26 16:23 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final sellers settlement statement. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. - Seller-02/25/2026 <br> Open-The Final SELLER CD/HUD is missing. Provide Missing Final Seller's Disclosure from subject transaction..<br> - Due Diligence Vendor-02/16/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026<br>| Resolved-Received final sellers settlement statement. - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 640 Borrower has 790. Required is 640 Borrower has 790<br>Months Reserves exceed minimum required - Reserves in the amount of 76.32; 2 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860031 | xxxxxx D A | Closed | xxxxxx | 2026-02-11 13:18 | 2026-02-20 08:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Please provide fully executed Final HUD-1 from purchase of subject property (Investment) dated xxxxxx. File contains signed Addendum to HUD-1 but is missing the complete Final Settlement Statement. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Closing Detail Statement Document is not Missing, or Not Applicable. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 640 Borrower has 790. Required is 640 Borrower has 790<br>Months Reserves exceed minimum required - Reserves in the amount of 76.32; 2 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860033 | xxxxxx D A | Closed | xxxxxx | 2026-03-20 22:49 | 2026-05-11 09:27 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received revised 1003 and 1008 with no rental income, updated income calculations. - Due Diligence Vendor-05/11/2026 <br> Counter-Received month to month lease agreement for $3,800. Missing 2 months receipt or 1 month + security deposit. Missing updated 1003 reflecting rental income of $3800 rather than $6000. - Due Diligence Vendor-04/21/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending Rental income for investment property from xxxxxx<br> - Due Diligence Vendor-03/21/2026 |  | Resolved-Received revised 1003 and 1008 with no rental income, updated income calculations. - Due Diligence Vendor-05/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 801<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 31.48<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.28 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860033 | xxxxxx D A | Closed | xxxxxx | 2026-03-20 22:47 | 2026-05-11 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Lease Agreements Missing | Resolved-Received revised 1003 and 1008 with no rental income, updated income calculations. - Due Diligence Vendor-05/11/2026 <br> Counter-Received 1003. Missing 2 months receipt or 1 month + security deposit for $3,800 rental income - Due Diligence Vendor-04/27/2026 <br> Counter-Received month to month lease agreement for $3,800. Missing 2 months receipt or 1 month + security deposit. Missing updated 1003 reflecting rental income of $3800 rather than $6000. - Due Diligence Vendor-04/21/2026 <br> Open-Borrower 2 Lease Agreements Missing Missing evidence of receipt of $6,000 per month in rental income for investment property xxxxxx<br> - Due Diligence Vendor-03/21/2026 |  | Resolved-Received revised 1003 and 1008 with no rental income, updated income calculations. - Due Diligence Vendor-05/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 801<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 31.48<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.28 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860033 | xxxxxx D A | Closed | xxxxxx | 2026-03-19 17:02 | 2026-04-14 11:55 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE for credit inquiries. - Due Diligence Vendor-04/14/2026 <br> Open-LOX for credit inquiries is missing. Credit inquiry provided is blank. Provide completed copy. - Due Diligence Vendor-03/19/2026 |  | Resolved-Received LOE for credit inquiries. - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 801<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 31.48<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.28 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860068 | xxxxxx C A | Closed | xxxxxx | 2026-02-18 13:17 | 2026-02-19 18:07 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-After further review, the email from the title company confirms it does not belong to the borrower. It is also not reflected on title or the fraud report. - Due Diligence Vendor-02/19/2026 <br> Open-Property Title Issue Title refelcts a judgement in favor of xxxxxx. No documentation provided to support the judgement has been paid or satisfied. Email from the title states does not belong to the borrower and will no appear on the title commitment. - Due Diligence Vendor-02/19/2026 |  | Resolved-After further review, the email from the title company confirms it does not belong to the borrower. It is also not reflected on title or the fraud report. - Due Diligence Vendor-02/19/2026<br>| Months Reserves exceed minimum required - Reserves = 257 months – Required Reserves = 6 Months<br>Credit history exceeds minimum required - Credit History = 184 Months Minimum Credit History = 24 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860080 | xxxxxx D A | Closed | xxxxxx | 2026-02-18 22:24 | 2026-03-05 14:15 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOM provided. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/05/2026 <br> Counter-Lender indicate proof of 12 months from xxxxxx attached. Unable to open document. Please re-upload. - Due Diligence Vendor-03/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide a 12 month satisfactory housing history for subject property - Due Diligence Vendor-02/19/2026 |  | Resolved-VOM provided. - Due Diligence Vendor-03/05/2026<br>| Months Reserves exceed minimum required - minimum reserves required = 6 months PITI(a). Borrower has 22.91 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 708 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860080 | xxxxxx D A | Closed | xxxxxx | 2026-02-20 15:16 | 2026-02-25 16:56 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-After further review the Mortgage does contain 2 witnesses. - Due Diligence Vendor-02/25/2026 <br> Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. xxxxxx county requires two witnesses. The notary can be a witness. Missing second witness signature on DOT. - Due Diligence Vendor-02/20/2026 |  | Resolved-After further review the Mortgage does contain 2 witnesses. - Due Diligence Vendor-02/25/2026<br>| Months Reserves exceed minimum required - minimum reserves required = 6 months PITI(a). Borrower has 22.91 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 708 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860080 | xxxxxx D A | Closed | xxxxxx | 2026-02-18 21:50 | 2026-02-23 13:00 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present as it is within the DOT - Due Diligence Vendor-02/23/2026 <br> Open-PUD Rider is Missing - Due Diligence Vendor-02/19/2026 |  | Resolved-The PUD Rider is Present as it is within the DOT - Due Diligence Vendor-02/23/2026<br>| Months Reserves exceed minimum required - minimum reserves required = 6 months PITI(a). Borrower has 22.91 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 708 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860099 | xxxxxx C A | Closed | xxxxxx | 2026-02-19 11:11 | 2026-02-25 13:35 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Seller-02/23/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A is not with DOT - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/25/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 51.02 Required is 75 Borrower has 51.02<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 745 Required is 660 Borrower has 745 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860235 | xxxxxx C B A | Closed | xxxxxx | 2026-03-18 11:56 | 2026-03-23 10:13 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Received updated credit report. - Due Diligence Vendor-03/23/2026 <br> Open-Credit Report is greater than 90 days from closing. Provide updated credit report. Credit report cannot exceed 90 days - Due Diligence Vendor-03/18/2026 |  | Resolved-Received updated credit report. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755<br>Months Reserves exceed minimum required - Months Reserves 88 months exceed minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860235 | xxxxxx C B A | Closed | xxxxxx | 2026-03-18 11:25 | 2026-03-18 12:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Investor waiver applie to non-material finding with comnp factors. - Due Diligence Vendor-03/18/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Exception for DSCR purchase - no primary ownership. Exception approval in loan file - Due Diligence Vendor-03/18/2026 |  | Waived-Investor waiver applie to non-material finding with comnp factors. - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755<br>Months Reserves exceed minimum required - Months Reserves 88 months exceed minimum required | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 2 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 860241 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860248 | xxxxxx C A | Closed | xxxxxx | 2026-02-13 08:56 | 2026-02-24 11:22 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Received 2 month statements for xxxxxx and LOE that xxxxxx is only being used for ACH. - Due Diligence Vendor-02/24/2026 <br> Counter-January Statement for xxxxxx provided, however we are missing an additional statement for xxxxxx. Please provide the December statement. - Due Diligence Vendor-02/20/2026 <br> Open-Asset 1 Less Than 2 Months Verified per guidelines, missing the additional month required by the guidelines. - Due Diligence Vendor-02/13/2026 |  | Resolved-Received 2 month statements for xxxxxx and LOE that xxxxxx is only being used for ACH. - Due Diligence Vendor-02/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 696 Required is 660 Borrower has 696<br>LTV is less than guideline maximum - Required is 65 Borrower has 50 Maimum allowed is 65% borrower has 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860251 | xxxxxx B A | Closed | xxxxxx | 2026-02-17 08:05 | 2026-02-19 14:55 | Resolved | 1 - Information B A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-After further review, there were no disasters in xxxxxx in 2025-2026, the loan closed xxxxxx. - Due Diligence Vendor-02/19/2026 <br> Open-Public FEMA disaster after appraisal without a PDI or 1004D. xxxxxx Declaration xxxxxx - Due Diligence Vendor-02/17/2026 |  | Resolved-After further review, there were no disasters in xxxxxx in 2025-2026, the loan closed xxxxxx. - Due Diligence Vendor-02/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 769 Required is 700 Borrower has 769<br>Months Reserves exceed minimum required - 16.78 months reserves exceed required 3 months<br>On time mortgage history exceeds guideline requirement - Paid as agreed 65 exceeds required 12 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860254 | xxxxxx C A | Closed | xxxxxx | 2026-03-20 09:20 | 2026-03-23 14:47 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Primary housing pay history provided. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see housing history docs, this was cleared preclose review. - Buyer-03/23/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12-month mortgage history for primary residence. File includes evidence of $1,250 monthly payments to xxxxxx; however, owner of the account is not documented and payment amount does not match note. Additional findings may apply - Due Diligence Vendor-03/20/2026 |  | Resolved-Primary housing pay history provided. - Due Diligence Vendor-03/23/2026<br>| LTV is less than guideline maximum - Required is 65 Borrower has 36<br>Months Reserves exceed minimum required - required 6 months \| borrower has 58.01 months of reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860254 | xxxxxx C A | Closed | xxxxxx | 2026-03-20 09:15 | 2026-03-23 14:11 | Resolved | 1 - Information C A | Property | Value | Appraised value unsupported | Resolved-BPO was provided. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see BPO - Buyer-03/23/2026 <br> Open-A commercial sales and income BPO or second appraisal is required. - Due Diligence Vendor-03/20/2026 |  | Resolved-BPO was provided. - Due Diligence Vendor-03/23/2026<br>| LTV is less than guideline maximum - Required is 65 Borrower has 36<br>Months Reserves exceed minimum required - required 6 months \| borrower has 58.01 months of reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860293 | xxxxxx D B A | Closed | xxxxxx | 2026-03-04 14:01 | 2026-06-09 11:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client exception granted to allow loan amount less than minimum of $100,000, Non-material waiver applied with comp factors. - Due Diligence Vendor-03/05/2026 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $100000 Exception request for loan amount of xxxxxx, below minimum of $100,000. Exception approval in loan file. - Due Diligence Vendor-03/04/2026 |  | Waived-Client exception granted to allow loan amount less than minimum of $100,000, Non-material waiver applied with comp factors. - Due Diligence Vendor-03/05/2026 | Months Reserves exceed minimum required - Min 9, actual 80.63<br>DSCR % greater than 1.20 - Min 1.25, actual 1.374 | DSCR > 1.3<br> Reserves exceed 80.6 months requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 860293 | xxxxxx D B A | Closed | xxxxxx | 2026-03-03 13:26 | 2026-03-13 14:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Loan application is in file. - Due Diligence Vendor-03/13/2026 <br> Counter-Received Client Note - HUD in file this is seasoned 12+ months. Audit response- finding is for missing 1003. - Due Diligence Vendor-03/13/2026 <br> Open-Missing signed Final 1003 - Due Diligence Vendor-03/03/2026 |  | Resolved-Loan application is in file. - Due Diligence Vendor-03/13/2026<br>| Months Reserves exceed minimum required - Min 9, actual 80.63<br>DSCR % greater than 1.20 - Min 1.25, actual 1.374 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860293 | xxxxxx D B A | Closed | xxxxxx | 2026-03-04 14:45 | 2026-03-12 12:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received acquisition HUD confirming 12 months seasoning. - Due Diligence Vendor-03/12/2026 <br> Counter-LOE for late consumer payments provided. Finding is for value used for qualification. - Due Diligence Vendor-03/10/2026 <br> Open-For properties purchased > 180 days from application, the cost basis is the current appraised value up to 140% of the borrower's initial cost basis. Cost basis is purchase price plus documented repairs. Borrower to document cost of repairs/upgrades to ensure full appraised value of xxxxxx can be used for CLTV calc. Borrower purchased the subject xxxxxx for xxxxxx x 140% = Qualifying Value of xxxxxx. Current qualifying value is xxxxxx (from Appraisal). - Due Diligence Vendor-03/04/2026 |  | Resolved-Received acquisition HUD confirming 12 months seasoning. - Due Diligence Vendor-03/12/2026<br>| Months Reserves exceed minimum required - Min 9, actual 80.63<br>DSCR % greater than 1.20 - Min 1.25, actual 1.374 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860315 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860331 | xxxxxx C B A | Closed | xxxxxx | 2026-03-06 15:15 | 2026-03-13 13:31 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Revised prepay addendum and rider provided. - Due Diligence Vendor-03/13/2026 <br> Counter-Countered for updated prepay docs from lender. - Due Diligence Vendor-03/13/2026 <br> Open-Prepayment Penalty is not allowed. Guidelines state that a prepayment charge may be assessed in the period between one (1) and five (5) years following the execution date of the Note. With a prepayment structure of a fixed percentage of no less than 3%. The Fixed percentage for the subject prepayment states the prepayment charge shall be equal to 2.500% of the amount prepaid. This does not meet the minimum of 3% and is not allowed, - Due Diligence Vendor-03/09/2026 |  | Resolved-Revised prepay addendum and rider provided. - Due Diligence Vendor-03/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 712 Required is 640 Borrower has 712<br>Months Reserves exceed minimum required - 18 months reserves, min 2 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860331 | xxxxxx C B A | Closed | xxxxxx | 2026-03-06 15:52 | 2026-03-11 13:31 | Waived | 2 - Non-Material C B | Property | Property Issue | Property Zoning Does Not Meet Program Requirements | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. Rebuild letter of subject allow for a maximum of 2 units vs the subject current xxxxxx units. Diligence used qualifying rents from only xxxxxx units to qualify. - Due Diligence Vendor-03/11/2026 <br> Open-The zoning does not meet guidelines due to the property can't be rebuilt if destroyed. Per appraisal Analysis/Comments under Zoning, "The subject property is located within a Zoning Classification of R-2, which allows for single family or duplex properties, however the property is a xxxxxx, which is not allowed under the current zoning definition. If the property were to be destroyed, it could not be rebuilt as a xxxxxx." - Due Diligence Vendor-03/09/2026 |  | Waived--Client exception granted with comp factors. Waiver applied to non-material finding. Rebuild letter of subject allow for a maximum of 2 units vs the subject current xxxxxx units. Diligence used qualifying rents from only xxxxxx units to qualify. - Due Diligence Vendor-03/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 712 Required is 640 Borrower has 712<br>Months Reserves exceed minimum required - 18 months reserves, min 2 months required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 860338 | xxxxxx D A | Closed | xxxxxx | 2026-04-13 22:47 | 2026-06-08 11:52 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received updated 1003 and REO docs. - Due Diligence Vendor-04/28/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending full PITIA for B2 Primary and Final URLA with all properties listed, fraud report indicates active mortgage for property not listed on URLA. - Due Diligence Vendor-04/14/2026 |  | Resolved-Received updated 1003 and REO docs. - Due Diligence Vendor-04/28/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.43 Required is 50 Borrower has 10.43<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860338 | xxxxxx D A | Closed | xxxxxx | 2026-04-13 23:01 | 2026-04-28 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received LOX no HOA and HOI. - Due Diligence Vendor-04/28/2026 <br> Counter-Received HOI and taxes. Missing proof of HOA. - Due Diligence Vendor-04/21/2026 <br> Open-Missing insurance and HOA on B2 primary residence, additional findings may apply. - Due Diligence Vendor-04/14/2026 |  | Resolved-Received LOX no HOA and HOI. - Due Diligence Vendor-04/28/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.43 Required is 50 Borrower has 10.43<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860338 | xxxxxx D A | Closed | xxxxxx | 2026-04-13 22:27 | 2026-04-28 09:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received updated 1003 and REO income docs. - Due Diligence Vendor-04/28/2026 <br> Counter-Received LOX. Loan file include a mortgage statement for a property on xxxxxx that was not included on the 1003. Finding remains. - Due Diligence Vendor-04/23/2026 <br> Open-Fraud Report Shows Uncleared Alerts Fraud alert indicates an additional property that is not listed on URLA, Mortgage statement has been provided for this property but not disclosed on 1003, provide updated URLA. Additional findings may apply, - Due Diligence Vendor-04/14/2026 |  | Resolved-Received updated 1003 and REO income docs. - Due Diligence Vendor-04/28/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.43 Required is 50 Borrower has 10.43<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860338 | xxxxxx D A | Closed | xxxxxx | 2026-04-13 14:22 | 2026-04-17 10:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received notary acknowledgement for B1. - Due Diligence Vendor-04/17/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Notary for borrower xxxxxx. - Due Diligence Vendor-04/13/2026 |  | Resolved-Received notary acknowledgement for B1. - Due Diligence Vendor-04/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.43 Required is 50 Borrower has 10.43<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860338 | xxxxxx D A | Closed | xxxxxx | 2026-04-13 11:50 | 2026-04-17 09:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Collateral Protection Notice is Missing | Resolved-Received Collateral Protection, finding resolved. - Due Diligence Vendor-04/17/2026 <br> Open-Collateral Protection Notice is Missing Missing Hazard Insurance Authorization and Requirements disclosure - Due Diligence Vendor-04/13/2026 |  | Resolved-Received Collateral Protection, finding resolved. - Due Diligence Vendor-04/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.43 Required is 50 Borrower has 10.43<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860371 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860381 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860431 | xxxxxx C A | Closed | xxxxxx | 2026-03-05 13:07 | 2026-03-06 07:05 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-After further review, the guides allow a lower loan amount with a fico above 700 and a min 1.25 DSCR. Requirements met. - Due Diligence Vendor-03/06/2026 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $150000 - Due Diligence Vendor-03/05/2026 |  | Resolved-After further review, the guides allow a lower loan amount with a fico above 700 and a min 1.25 DSCR. Requirements met. - Due Diligence Vendor-03/06/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 64.39<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.308 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860498 | xxxxxx C A | Closed | xxxxxx | 2026-03-28 00:19 | 2026-04-08 14:54 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-After further review, the borrower has owned the subject property since xxxxxx. Deed provided. - Due Diligence Vendor-04/08/2026 <br> Counter-Received Title and Sale Deed. Documents provided does not confirm properties were managed as investments. Missing proof of lease or rents received. - Due Diligence Vendor-04/07/2026 <br> Open-Audited FICO of 670 is less than Guideline FICO of 680 Borrower is First Time Investor - Due Diligence Vendor-03/28/2026 |  | Resolved-After further review, the borrower has owned the subject property since xxxxxx. Deed provided. - Due Diligence Vendor-04/08/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 18.33<br>DSCR % greater than 1.20 - Required is 1 Borrower has 2.814<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 670 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860498 | xxxxxx C A | Closed | xxxxxx | 2026-03-28 00:23 | 2026-04-08 14:43 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated title with the correct loan amount. - Due Diligence Vendor-04/08/2026 <br> Counter-Received Ttile with xxxxxx Policy of xxxxxx. Loan amount xxxxxx - Due Diligence Vendor-04/07/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-03/28/2026 |  | Resolved-Received updated title with the correct loan amount. - Due Diligence Vendor-04/08/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 18.33<br>DSCR % greater than 1.20 - Required is 1 Borrower has 2.814<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 670 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860510 | xxxxxx C A | Closed | xxxxxx | 2026-03-06 09:59 | 2026-03-06 14:07 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Borrower lives rent free since 2015 and has a >24 mo housing history on the subject which is Mixed Use. Guides (pg 18-19) allow for this since borrower meets experienced investor criteria - Due Diligence Vendor-03/06/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing verification of rent fro primary housing. - Due Diligence Vendor-03/06/2026 |  | Resolved-Borrower lives rent free since 2015 and has a >24 mo housing history on the subject which is Mixed Use. Guides (pg 18-19) allow for this since borrower meets experienced investor criteria - Due Diligence Vendor-03/06/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704 Required is 680 Borrower has 704 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860511 | xxxxxx C A | Closed | xxxxxx | 2026-03-03 09:42 | 2026-03-05 11:53 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received proof of prior coverage. - Due Diligence Vendor-03/05/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Missing evidence of insurance at time of close. - Due Diligence Vendor-03/03/2026 |  | Resolved-Received proof of prior coverage. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 752 Required is 660 Borrower has 752<br>DSCR % greater than 1.20 - Required is 0 Borrower has 1.463 Required is 0 Borrower has 1.463<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.463 Required is 0 Borrower has 1.463 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860519 | xxxxxx C A | Closed | xxxxxx | 2026-04-13 12:40 | 2026-04-22 16:01 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-PCCD issued xxxxxx verifies a disbursement date of xxxxxx which matches the hazard insurance effective date. - Due Diligence Vendor-04/22/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx funded xxxxxx - Due Diligence Vendor-04/13/2026 |  | Resolved-PCCD issued xxxxxx verifies a disbursement date of xxxxxx which matches the hazard insurance effective date. - Due Diligence Vendor-04/22/2026 | LTV is less than guideline maximum - LTV 80% max 90%. Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806 Required is 680 Borrower has 806<br>Qualifying DTI below maximum allowed - DTI 44.45 max 50%. Required is 50 Borrower has 44.45 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860555 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 12:37 | 2026-03-25 12:26 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received proof of primary free and clear. - Due Diligence Vendor-03/25/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide VOM or 24 month mortgage payment history for Primary Residence or proof owned F&C. - Due Diligence Vendor-03/12/2026 |  | Resolved-Received proof of primary free and clear. - Due Diligence Vendor-03/25/2026<br>| Months Reserves exceed minimum required - Minm 9, Borrower has 30.72; per guidelines only 50% of cash back can be used for reserves.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.704 Required is 0.75 Borrower has 1.704 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860555 | xxxxxx D A | Closed | xxxxxx | 2026-03-12 12:06 | 2026-03-24 09:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Business purpose affidavit provided. - Due Diligence Vendor-03/24/2026 <br> Counter-Received closing documents. Missing Business Purpose Affidavit which is required for DSCR Cash Out transaction. - Due Diligence Vendor-03/20/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing & required on Cash Out Refis. - Due Diligence Vendor-03/12/2026 |  | Resolved-Business purpose affidavit provided. - Due Diligence Vendor-03/24/2026<br>| Months Reserves exceed minimum required - Minm 9, Borrower has 30.72; per guidelines only 50% of cash back can be used for reserves.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.704 Required is 0.75 Borrower has 1.704 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860639 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860642 | xxxxxx C B A | Closed | xxxxxx | 2026-03-19 13:04 | 2026-04-16 10:35 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received corrected final 1003 and confirmation xxxxxx. - Due Diligence Vendor-04/16/2026 <br> Counter-Client provided email for rent free on previous address xxxxxx however the final 1003 reflects xxxxxx. Document they are one in the same and if they are provide corrected 1003 - Due Diligence Vendor-04/03/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Brws relocated from xxxxxx in 2025. 1003 states after moving to xxxxxx- Brws owned and resided at at their primary residence for 4 mos before purchasing the Subject Property xxxxxx. Provide documentation to verify primary property was bought/sold to ensure no housing payment during this time during the last 12 months. Drive Report does not reflect prior residence and no evidence was seen in file. - Due Diligence Vendor-03/19/2026 |  | Resolved-Received corrected final 1003 and confirmation County Rd is an xxxxxx. - Due Diligence Vendor-04/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.53<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 774 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860642 | xxxxxx C B A | Closed | xxxxxx | 2026-03-20 20:21 | 2026-03-31 13:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-03/31/2026 <br> Open-Lender exception to use original appraisal from purchase on a cash-out refinance (appraisal report dated xxxxxx). Per xxxxxx subsequent transaction may only be used on a limited cash-out refinance. - Due Diligence Vendor-03/21/2026 |  | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-03/31/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.53<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 774 | Credit Score 10 points > minimum required<br> Reserves exceed requirement by 2 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 860642 | xxxxxx C B A | Closed | xxxxxx | 2026-03-19 10:34 | 2026-03-25 08:30 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received eConsent. Finding resolved. - Due Diligence Vendor-03/25/2026 <br> Open-Missing e-Consent. -----Please provide Borrower's acknowledgement of e-consent. - Due Diligence Vendor-03/19/2026 |  | Resolved-Received eConsent. Finding resolved. - Due Diligence Vendor-03/25/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.53<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 774 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860647 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860649 | xxxxxx D A | Closed | xxxxxx | 2026-03-10 10:38 | 2026-03-18 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-03/18/2026 <br> Open-Missing Third Party Fraud Report Fraud report is missing from the loan file. - Due Diligence Vendor-03/10/2026 |  | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-03/18/2026<br>| Months Reserves exceed minimum required - 2 months required - have 20.86 months<br>DSCR % greater than 1.20 - DSCR of 1.271 is greater than 1.20 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860660 | xxxxxx D A | Closed | xxxxxx | 2026-02-17 09:42 | 2026-03-06 16:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud will cleared alerts. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. PLEASE SEE ATTACHED CLEAR FRAUD REPORT - Seller-03/05/2026 <br> Counter-Received screenshot of page 1 of Fraud Report. Please provide proof of how high alerts were addressed and OFAC clearance report. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. there is an issue with our title portal not being able to generate updated reports. ATTACHED is the confirmation from title online portal xxxxxx showing cleared. - Seller-03/03/2026 <br> Counter-Received screen shot of uncleared alert. Please provide confirmation all High alerts have been addressed and OFAC clearance report. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-the system will not allow us to change the high alerts but attached is the underwriters response to the item - Seller-02/20/2026 <br> Counter-Received duplicate Fraud Report. Missing documentation that cleared high alerts. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED FRAUD REPORT - Seller-02/18/2026 <br> Open-Missing Third Party Fraud Report All high alerts to be cleared, OFAC to be checked. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. PLEASE SEE ATTACHED CLEAR FRAUD REPORT - Seller-03/05/2026 <br> Ready for Review-Document Uploaded. there is an issue with our title portal not being able to generate updated reports. ATTACHED is the confirmation from title online portal xxxxxx showing cleared. - Seller-03/03/2026 <br> Ready for Review-the system will not allow us to change the high alerts but attached is the underwriters response to the item - Seller-02/20/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED FRAUD REPORT - Seller-02/18/2026 | Resolved-Received Fraud will cleared alerts. - Due Diligence Vendor-03/06/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860660 | xxxxxx D A | Closed | xxxxxx | 2026-02-17 10:24 | 2026-02-26 14:17 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Final CD - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. see attached seller's statement - Seller-02/24/2026 <br> Counter-Received buyers settlement statement. Please provide Sellers Final Settlement Statement (certified or signed) - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. See the attached final CS. Biz purpose loan, no final CD required. - Seller-02/20/2026 <br> Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. see attached seller's statement - Seller-02/24/2026 <br> Ready for Review-Document Uploaded. See the attached final CS. Biz purpose loan, no final CD required. - Seller-02/20/2026 | Resolved-Received Final CD - Due Diligence Vendor-02/26/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860665 | xxxxxx D A | Closed | xxxxxx | 2026-02-13 22:16 | 2026-02-25 17:19 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Appraisal was transfer from the Broker and guidelines do not require the buy name to be updated. - Due Diligence Vendor-02/25/2026 <br> Counter-No document received. Appraisal must be in name of borrower. Finding remains. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Appraisal was transfer from the Broker we do not require the same to be update. It does not affect the value of the home - Seller-02/24/2026 <br> Open-The Buyer listed in the Appraisal Report is not the same LLC of the Buyer. - Due Diligence Vendor-02/14/2026 | Ready for Review-Appraisal was transfer from the Broker we do not require the same to be update. It does not affect the value of the home - Seller-02/24/2026<br>| Resolved-Appraisal was transfer from the Broker and guidelines do not require the buy name to be updated. - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 720<br>Months Reserves exceed minimum required - 10.28 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860665 | xxxxxx D A | Closed | xxxxxx | 2026-02-13 21:22 | 2026-02-25 14:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Title. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. See Final Title Policy Item 5 was release - Seller-02/25/2026 <br> Counter-Received Title. Missing proof of #5 lien release. Unable to confirm if noted liens on HUD is outstanding liens on Sch B. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. See attached xxxxxx Commitment, Legal and Chain of Title - Seller-02/17/2026 <br> Open-Title Document is Incomplete Title Document is missing - Due Diligence Vendor-02/14/2026 | Ready for Review-Document Uploaded. See Final Title Policy Item 5 was release - Seller-02/25/2026 <br> Ready for Review-Document Uploaded. See attached xxxxxx Commitment, Legal and Chain of Title - Seller-02/17/2026 | Resolved-Received Title. - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 720<br>Months Reserves exceed minimum required - 10.28 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860670 | xxxxxx C A | Closed | xxxxxx | 2026-02-10 13:46 | 2026-02-27 14:54 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. See attached Mortgage that was sent to be recorded. - Seller-02/25/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description attached to the Mortgage. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. See attached Mortgage that was sent to be recorded. - Seller-02/25/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/27/2026<br>| Months Reserves exceed minimum required - <br>Credit history exceeds minimum required - Credit History = 173 Months Minimum Credit History = 24 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860672 | xxxxxx D A | Closed | xxxxxx | 2026-02-19 10:34 | 2026-02-23 17:18 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received HELOC wire and statement. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see page 10 of the Bank Statement and the Wire transfer the funds came from the HELOC - Seller-02/21/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-35966.65'. Assets are Insufficient. Lender to provide additional assets as assets are insufficient<br> Total Qualified Assets Post-Close amount is '$-35966.65'. Assets are Insufficient. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see page 10 of the Bank Statement and the Wire transfer the funds came from the HELOC - Seller-02/21/2026<br>| Resolved-Received HELOC wire and statement. - Due Diligence Vendor-02/23/2026<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 72 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860672 | xxxxxx D A | Closed | xxxxxx | 2026-02-19 10:13 | 2026-02-23 17:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Received confirmation Condo Rider is incorporated within security instrument. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. This is a Business Purpose the rider is part of the DOT see section 38 - Seller-02/20/2026 <br> Open-Rider Missing from DOT screen based on Property Type selected on Property Page. Condo rider missing - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. This is a Business Purpose the rider is part of the DOT see section 38 - Seller-02/20/2026<br>| Resolved-Received confirmation Condo Rider is incorporated within security instrument. - Due Diligence Vendor-02/23/2026<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 72 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860680 | xxxxxx D A | Closed | xxxxxx | 2026-02-23 09:20 | 2026-03-04 15:39 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Fraud report w/cleared alerts. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED FRAUD REPORT - Seller-03/02/2026 <br> Open-Fraud Report Shows Uncleared Alerts Provide updated fraud report showing alerts have been cleared. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. SEE ATTACHED FRAUD REPORT - Seller-03/02/2026<br>| Resolved-Received Fraud report w/cleared alerts. - Due Diligence Vendor-03/04/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.477 Required is 0.75 Borrower has 1.477<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 736 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860680 | xxxxxx D A | Closed | xxxxxx | 2026-02-23 13:35 | 2026-03-04 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see attached screenshot of most recent fraud report ran 2/25/26. unfortunately the order date on the fraud report will not update to reflect the date the fraud report was ran. attached is also the UDM , no new credit inquiries. - Seller-03/02/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Please see attached screenshot of most recent fraud report ran 2/25/26. unfortunately the order date on the fraud report will not update to reflect the date the fraud report was ran. attached is also the UDM , no new credit inquiries. - Seller-03/02/2026 | Resolved-Received UDM - Due Diligence Vendor-03/04/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.477 Required is 0.75 Borrower has 1.477<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 736 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860681 | xxxxxx D A | Closed | xxxxxx | 2026-02-21 08:43 | 2026-02-25 09:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Received DOT with Rider confirmed in section 38. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. The rider in built into the Mortgage see page 19 section 38. - Seller-02/23/2026 <br> Open-Rider Missing from DOT screen based on Property Type selected on Property Page. DSCR loan out of review scope. Finding rescinded. - Due Diligence Vendor-02/21/2026 | Ready for Review-Document Uploaded. The rider in built into the Mortgage see page 19 section 38. - Seller-02/23/2026<br>| Resolved-Received DOT with Rider confirmed in section 38. - Due Diligence Vendor-02/25/2026<br>| Months Reserves exceed minimum required - 18.46 months reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860685 | xxxxxx D A | Closed | xxxxxx | 2026-02-26 17:36 | 2026-03-06 16:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Upon further review, the 1003 provided reflects the correct city. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. see attached , this was included in the TPR package we provided to you. We require the guarantor to fill out the URLA when borrower is in an entity BUT we do not require 1003 for business purpose loans. - Seller-03/05/2026 <br> Counter-No document provided. Review of guide indicate- Loan Application (URLA/1003)- o Completed and signed by each individual owner that owns 20% or more of the <br> borrowing entity. Finding remains. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-xxxxxx does not require a 1003 on business purpose loans. - Seller-03/02/2026 <br> Open-Final 1003 secton 4 has the incorrect address for the subject property, 1003 lists the city as xxxxxx. The correct city is xxxxxx. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. see attached , this was included in the TPR package we provided to you. We require the guarantor to fill out the URLA when borrower is in an entity BUT we do not require 1003 for business purpose loans. - Seller-03/05/2026 <br> Ready for Review-xxxxxx does not require a 1003 on business purpose loans. - Seller-03/02/2026 | Resolved-Upon further review, the 1003 provided reflects the correct city. - Due Diligence Vendor-03/06/2026<br>| Months Reserves exceed minimum required - 62.52 months reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860685 | xxxxxx D A | Closed | xxxxxx | 2026-03-03 15:27 | 2026-03-03 15:27 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Note Address of xxxxxx Does Not Match Deed of Trust Address of xxxxxx Received updated Note with corrected address. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Document Uploaded. The Note and DOT addresses match. There shouldn't be an issue - Due Diligence Vendor-03/03/2026 <br> Open-Note Address of xxxxxx Does Not Match Deed of Trust Address of xxxxxx Note has address of xxxxxx and DOT has address xxxxxx. Please provide Note with the correct address as reflected on the DOT. - Due Diligence Vendor-03/03/2026 |  | Resolved-Note Address of xxxxxx Does Not Match Deed of Trust Address of xxxxxx Received updated Note with corrected address. - Due Diligence Vendor-03/03/2026 | Months Reserves exceed minimum required - 62.52 months reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860689 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860696 | xxxxxx C A | Closed | xxxxxx | 2026-02-25 13:28 | 2026-03-12 12:19 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The guidelines indicate a VOR is only required on a consumer purpose loan. - Due Diligence Vendor-03/12/2026 <br> Counter-Previously borrower was renting. Borrower has been at current primary residence for 6 months (opened 06/25 and 0x30 for 6 months per credit supplement). If 12 months of Housing History is not provided, borrower would have the comply with Guideline 5.5.1 - 5.5.1 NO HOUSING HISTORY OR LESS THAN 12 MONTHS VERIFIED. Finding remains. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-This is a business Purpose Loan VOM does not apply I has been reviewed with Senior Management <br> For all loans, we are only analyzing mortgage histories for properties that are reported on credit (not all REO) <br> along with the subject property. If mortgages on credit have perfect pay history for last 12 months but credit <br> report has not updated rating for less than 60 days, no credit supplement is needed. If other mortgages have not <br> rated greater than 60 days, credit supplements will be needed to verify mortgage is current.<br> For Consumer Purpose Refinances, xxxxxx requires a VOM for the loan that is being paid off.<br> For Consumer Purpose Purchases, xxxxxx requires a VOM for the departing residence, or a VOR if the borrower <br> rents (and doesn't live rent free)<br> - Seller-03/09/2026 <br> Open-Housing History Does Not Meet Guideline Requirements. Please provide complete 12 month history for the primary residence. Borrower has been at current primary residence for 6 months (opened 06/25 and 0x30 for 6 months per credit supplement). Previously borrower was renting. Please provide 6 moths rental history or 6 months cancelled checks to complete 12 month housing history. - Due Diligence Vendor-02/26/2026 | Ready for Review-This is a business Purpose Loan VOM does not apply I has been reviewed with Senior Management <br> For all loans, we are only analyzing mortgage histories for properties that are reported on credit (not all REO) <br> along with the subject property. If mortgages on credit have perfect pay history for last 12 months but credit <br> report has not updated rating for less than 60 days, no credit supplement is needed. If other mortgages have not <br> rated greater than 60 days, credit supplements will be needed to verify mortgage is current.<br> For Consumer Purpose Refinances, xxxxxx requires a VOM for the loan that is being paid off.<br> For Consumer Purpose Purchases, xxxxxx requires a VOM for the departing residence, or a VOR if the borrower <br> rents (and doesn't live rent free)<br> - Seller-03/09/2026 | Resolved-The guidelines indicate a VOR is only required on a consumer purpose loan. - Due Diligence Vendor-03/12/2026<br>| Months Reserves exceed minimum required - Minimum 6 months reserves required - actual 50.85 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Score is 778 and minimum allowed is 680 Required is 680 Borrower has 778 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860696 | xxxxxx C A | Closed | xxxxxx | 2026-02-25 12:55 | 2026-03-12 12:13 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. Please see page 1 of the attached fraud report dated 2.9.26 and page 32 UDM no inquires. The Loan was funded on xxxxxx - Seller-02/26/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date).A unexpired gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. Please see page 1 of the attached fraud report dated 2.9.26 and page 32 UDM no inquires. The Loan was funded on xxxxxx - Seller-02/26/2026 | Resolved-Received UDM. - Due Diligence Vendor-03/02/2026<br>| Months Reserves exceed minimum required - Minimum 6 months reserves required - actual 50.85 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Score is 778 and minimum allowed is 680 Required is 680 Borrower has 778 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860697 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860701 | xxxxxx D B A | Closed | xxxxxx | 2026-02-23 11:46 | 2026-03-11 12:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Originator provided an exception for square footage being used in GLA for garage conversion, applied to non-material finding with reviewed comp factors. Garage was converted to a family room. The appraiser was unable to locate permits but does note that records are sparse for the area and this is common for the area. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. UW provided an exception to this item, see attached. In markets like xxxxxx (a non-disclosure state), permit records are often sparse, and appraisers are not acting as permit enforcement. The typical support is confirming the area is not illegal to zoning, finished similar to the dwelling, and accepted by the market — which the report indicates here. comparable sales 2 and 3 are xxxxxx sf and xxxxxx sf, which is within typical market tolerance of the county-reported xxxxxx sf and generally would not warrant a GLA adjustment. This suggests the value conclusion is not dependent on the converted area. Value also supported by the sale itself. - Seller-03/10/2026 <br> Open-Appraiser to address if the garage conversion was legally permitted since included in total gross living area. Appraiser notes that county reflects xxxxxx square feet and that the appraisal's xxxxxx square feet includes the converted xxxxxx since utilizing same central HVAC system. Appraiser also states that no evidence was provided during the course of the assignment to indicate the conversion was permitted. Additional findings may apply. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. UW provided an exception to this item, see attached. In markets like xxxxxx (a non-disclosure state), permit records are often sparse, and appraisers are not acting as permit enforcement. The typical support is confirming the area is not illegal to zoning, finished similar to the dwelling, and accepted by the market — which the report indicates here. comparable sales 2 and 3 are xxxxxx sf and xxxxxx sf, which is within typical market tolerance of the county-reported xxxxxx sf and generally would not warrant a GLA adjustment. This suggests the value conclusion is not dependent on the converted area. Value also supported by the sale itself. - Seller-03/10/2026 | Waived-Originator provided an exception for square footage being used in GLA for garage conversion, applied to non-material finding with reviewed comp factors. Garage was converted to a family room. The appraiser was unable to locate permits but does note that records are sparse for the area and this is common for the area. - Due Diligence Vendor-03/11/2026  | Qualifying FICO score is at least 20 points above minimum for program - Required is 650 Borrower has 785<br>Months Reserves exceed minimum required - 11.99 months of verified reserves and 3 months required. | Minimum 6 months reserves required - actual 50.85 months.<br> Required is 680 Borrower has 778 Score is 778 and minimum allowed is 680 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 860701 | xxxxxx D B A | Closed | xxxxxx | 2026-02-23 11:07 | 2026-03-06 16:06 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received Final 1003 with Citizenship. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see the corrected 1003 - Seller-03/05/2026 <br> Open-1003 is missing borrower's citizenship status. However, front of EAD card and foreign passport in file. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Please see the corrected 1003 - Seller-03/05/2026<br>| Resolved-Received Final 1003 with Citizenship. - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 650 Borrower has 785<br>Months Reserves exceed minimum required - 11.99 months of verified reserves and 3 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860701 | xxxxxx D B A | Closed | xxxxxx | 2026-02-23 12:38 | 2026-03-04 14:51 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. See attached report - Seller-03/03/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists All 3rd parties were not checked with Exclusionary/OFAC Lists. Borrower is present and former owner is present, however, vested owner noted on title is missing. Additional findings may apply. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. See attached report - Seller-03/03/2026<br>| Resolved-Received Fraud report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 650 Borrower has 785<br>Months Reserves exceed minimum required - 11.99 months of verified reserves and 3 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860701 | xxxxxx D B A | Closed | xxxxxx | 2026-02-23 12:38 | 2026-03-04 14:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Fraud report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. See attached report - Seller-03/03/2026 <br> Open-Fraud Report Shows Uncleared Alerts Missing evidence that high alert for regulatory action against TPO was cleared. Although lender noted that TPO is mom-licensed broker, fraud report noted that the TPO is currently under a consent order by the State of xxxxxx as xxxxxx. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. See attached report - Seller-03/03/2026<br>| Resolved-Received Fraud report with All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 650 Borrower has 785<br>Months Reserves exceed minimum required - 11.99 months of verified reserves and 3 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860701 | xxxxxx D B A | Closed | xxxxxx | 2026-02-23 11:33 | 2026-02-26 14:30 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received updated Title. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. - Seller-02/24/2026 <br> Open-Property Title Issue 1. Missing evidence that Schedule C Item #6 was removed. #6 requires Independent Executor execute an "Affidavit of Independent Executor/Administrator as to Sale of Real Property" to be filed for record in the Real Property Records of xxxxxx. Additional findings may apply.<br> 2. Missing evidence that Schedule C Item #7 was removed. #7 requires evidence that prior owner did not receive xxxxxx benefits after March 1, 2005 or evidence that no claim under the xxxxxx will be filed. Additional findings may apply.<br> 3. Missing evidence that Schedule C Item #8 was removed. #8 requires satisfactory proof of payment of all debts, all State Inheritance and Federal Estate Taxes, or proof of no taxes due. Additional findings may apply. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. - Seller-02/24/2026<br>| Resolved-Received updated Title. - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 650 Borrower has 785<br>Months Reserves exceed minimum required - 11.99 months of verified reserves and 3 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860701 | xxxxxx D B A | Closed | xxxxxx | 2026-02-23 11:21 | 2026-02-26 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Please see attached; For our xxxxxx BP closing doc package the Designation of Homestead and Affidavit of Non-Homestead & the Business Purpose of Loan Certification - Seller-02/24/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing business Purpose and Occupancy Affidavit required by DSCR and No Ratio Appendix. File includes a Business Purpose of Loan Certification only. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Please see attached; For our xxxxxx BP closing doc package the Designation of Homestead and Affidavit of Non-Homestead & the Business Purpose of Loan Certification - Seller-02/24/2026 | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 650 Borrower has 785<br>Months Reserves exceed minimum required - 11.99 months of verified reserves and 3 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860702 | xxxxxx C A | Closed | xxxxxx | 2026-02-25 15:36 | 2026-03-13 16:13 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Revised Commitment w/sufficient coverage. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. please see attached updated prelim showing the full loan amount on page 5 - Seller-03/12/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title supplement for insured loan amount - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. please see attached updated prelim showing the full loan amount on page 5 - Seller-03/12/2026<br>| Resolved-Received Revised Commitment w/sufficient coverage. - Due Diligence Vendor-03/13/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.68 Required is 0.75 Borrower has 1.68<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 705 Required is 620 Borrower has 705<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860707 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860734 | xxxxxx D B A | Closed | xxxxxx | 2026-02-19 14:00 | 2026-03-03 15:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/03/2026 |  | Waived-Required Affiliated Business Disclosure Missing----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/03/2026<br>| Verified employment history exceeds guidelines - <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 9.86 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | N/A | xxxxxx |
| 860734 | xxxxxx D B A | Closed | xxxxxx | 2026-02-24 15:05 | 2026-03-02 14:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Lenders Income Worksheet. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. The document was already included in the original package (Page 124), but I am re-attaching it for your convenience - Seller-02/27/2026 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing the lenders banbk startement income worksheet. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. The document was already included in the original package (Page 124), but I am re-attaching it for your convenience - Seller-02/27/2026<br>| Resolved-Received Lenders Income Worksheet. - Due Diligence Vendor-03/02/2026<br>| Verified employment history exceeds guidelines - <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 9.86 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860787 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860800 | xxxxxx D A | Closed | xxxxxx | 2026-04-24 10:27 | 2026-06-10 12:16 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/10/2026 <br> Resolved-Received revised income calc and inclusion of liabilities. - Due Diligence Vendor-05/06/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI failed - Due Diligence Vendor-04/24/2026 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-06/10/2026 <br>Resolved-Received revised income calc and inclusion of liabilities. - Due Diligence Vendor-05/06/2026<br>| Months Reserves exceed minimum required - 280.34 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860800 | xxxxxx D A | Closed | xxxxxx | 2026-04-24 10:30 | 2026-05-08 09:49 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received updated 1008 and 1003 - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. - Buyer-05/07/2026 <br> Counter-Received revised income calculation worksheet. Review was only able to calculate $46,891.17 as meals and ent differ. Should use M-1 xxxxxx. Provide updated 1008 and 1003 reflecting revised income and liabilities included. - Due Diligence Vendor-05/06/2026 <br> Open-Audited DTI of 53.31% exceeds Guideline DTI of 50% DTI exceeds allowed as the lender excluded business debt that is not 6 mos old (2 accounts) - Due Diligence Vendor-04/24/2026 |  | Resolved-Received updated 1008 and 1003 - Due Diligence Vendor-05/08/2026<br>| Months Reserves exceed minimum required - 280.34 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860800 | xxxxxx D A | Closed | xxxxxx | 2026-04-24 15:14 | 2026-05-06 08:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received signed and dated YTD P&L - Due Diligence Vendor-05/06/2026 <br> Open-Borrower 1 YTD Profit & Loss Missing Missing borrower's signature and date on the YTD P&L statement - Due Diligence Vendor-04/24/2026 |  | Resolved-Received signed and dated YTD P&L - Due Diligence Vendor-05/06/2026<br>| Months Reserves exceed minimum required - 280.34 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860800 | xxxxxx D A | Closed | xxxxxx | 2026-04-24 15:23 | 2026-05-01 09:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-05/01/2026 <br> Open-Third Party Fraud Report Partially Provided Missing all pages to the fraud report (OFAC check, Loan Participant check, etc). Additional findings may apply - Due Diligence Vendor-04/24/2026 |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-05/01/2026<br>| Months Reserves exceed minimum required - 280.34 mos reserves; 6 mos required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860806 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860809 | xxxxxx C B A | Closed | xxxxxx | 2026-03-03 14:38 | 2026-03-26 17:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. <br> - Due Diligence Vendor-03/26/2026 <br> Counter-It appears we are missing 08/2025 - 01/2026 for xxxxxx. Missing 11/2025 - 01/26 for xxxxxx and 10/2025 - 01/26 for xxxxxx and missing 12 months for the subject property. - Due Diligence Vendor-03/12/2026 <br> Counter-Received Lender note that indicate credit is confirmed upto October 2025. Subject loan closed xxxxxx. Finding indicate Housing history through closing for the Primary. Review of file also did not reveal 12 month history for subject. Finding remains. - Due Diligence Vendor-03/11/2026 <br> Counter-Received VOM for subject property. Received Lender response indicating confirmation of primary listed on credit report. Unable to confirm noted accounts are for applicable addresses. No statements located in loan file. - Due Diligence Vendor-03/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements 1. Verification of mortgage for primary residence missing 3 borrowers<br> 2. Missing subject mortgage pay history for 12 months. - Due Diligence Vendor-03/03/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to owns and manages 2 or more properties for 12 months<br> - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 755<br>DSCR % greater than 1.20 - DSCR 2.04 | 1 - Credit Score 30+ points > minimum required <br> 2 - Experienced investor owns and manages 2 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 860809 | xxxxxx C B A | Closed | xxxxxx | 2026-03-03 14:11 | 2026-03-05 11:19 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-03/05/2026 <br> Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-03/03/2026 |  | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 755<br>DSCR % greater than 1.20 - DSCR 2.04 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860815 | xxxxxx C B A | Closed | xxxxxx | 2026-03-06 13:36 | 2026-03-06 13:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted to allow property not able to be xxxxxx beyond 51% of current structure. . Non-material waiver applied with comp factors. Deemed non-material due to insurance policy covers the full loan amount and the xxxxxx as a SFR just not a duplex - Due Diligence Vendor-03/06/2026 <br> Open-Property Issues are identified for the property Property not able to be xxxxxx beyond 51% of current structure. - Due Diligence Vendor-03/06/2026 |  | Waived-Client exception granted to allow property not able to be xxxxxx beyond 51% of current structure. . Non-material waiver applied with comp factors. Deemed non-material due to insurance policy covers the full loan amount and the xxxxxx as a SFR just not a duplex - Due Diligence Vendor-03/06/2026 | DSCR % greater than 1.20 - 1.29<br>LTV is less than guideline maximum - Required is 70 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 | 1. DSCR > 1.15<br> 2. Credit Score 30+ points > minimum required<br> 3. Experienced investor owns and manages 2 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 860822 | xxxxxx B A | Closed | xxxxxx | 2026-03-04 13:41 | 2026-03-10 10:14 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received confirmation uw summary provide in lieu of 1008 - Due Diligence Vendor-03/06/2026 <br> Open-Missing Approval/Underwriting Summary File is missing the underwriting summary or 1008. - Due Diligence Vendor-03/05/2026 |  | Resolved-Received confirmation uw summary provide in lieu of 1008 - Due Diligence Vendor-03/06/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 65 Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Fico 698, min 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860835 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 860847 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 860849 | xxxxxx C A | Closed | xxxxxx | 2026-02-26 11:14 | 2026-03-03 10:34 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received all pages of the executed Note. - Due Diligence Vendor-03/03/2026 <br> Open-There are Issues Present on the Note that must be addressed. Signature page of the Note is missing - Due Diligence Vendor-02/26/2026 |  | Resolved-Received all pages of the executed Note. - Due Diligence Vendor-03/03/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.428 Required is 0 Borrower has 1.428<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70<br>DSCR % greater than 1.20 - Required is 0 Borrower has 1.428 Required is 0 Borrower has 1.428<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 804 Required is 640 Borrower has 804 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860884 | xxxxxx C A | Closed | xxxxxx | 2026-03-26 12:13 | 2026-04-09 10:44 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, there is no guideline to support a rent free letter from the borrower's spouse. - Due Diligence Vendor-04/09/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter from borrower's spouse for primary residence (letter provided is from the borrower - needs to come from homeowner) - Due Diligence Vendor-03/26/2026 |  | Resolved-After further review, there is no guideline to support a rent free letter from the borrower's spouse. - Due Diligence Vendor-04/09/2026<br>| DSCR % greater than 1.20 - 1.202<br>LTV is less than guideline maximum - Required is 75 Borrower has 64.98<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 751 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860886 | xxxxxx D B A | Closed | xxxxxx | 2026-03-30 16:26 | 2026-04-21 09:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Waived-Client waiver applied to non-material finding with compensating factors. Exception for property listed for sale within the last 6 months. - Due Diligence Vendor-04/21/2026 <br> Open-Loan does not meet guideline requirements for loans listed for sale. Per guidelines, properties listed for sale by the current owner in the past six (6) months are ineligible. Property was listed as of xxxxxx. - Due Diligence Vendor-03/30/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for property listed for sale within the last 6 months. - Due Diligence Vendor-04/21/2026<br>| Long term residence - Homeowner since 2019<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculate DSCR is 1.091%. Required is 0.75 Borrower has 1.09 | Homeowner since xxxxxx<br> DSCR 1.09, min .75 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 860886 | xxxxxx D B A | Closed | xxxxxx | 2026-03-30 15:50 | 2026-04-21 09:34 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-The title policy provided includes the chain of title from xxxxxx. - Due Diligence Vendor-04/21/2026 <br> Counter-Received commentary preliminary reflects 24 months chain. Review is only able to locate confirmation of 6 months chain of title as noted on #21 Part B. Legal description reflects transfers for xxxxxx. Title supplement or email is acceptable. Original finding remains. - Due Diligence Vendor-04/13/2026 <br> Counter-Received Lender snip of title showing acquired xxxxxx and Fraud snip showing undetermined transfer. Title provided do not document 24 month chain of title as required. Finding remains. - Due Diligence Vendor-04/07/2026 <br> Open-Unsatisfactory Chain of Title provided. Provide 24 month chain of title. - Due Diligence Vendor-03/30/2026 |  | Resolved-The title policy provided includes the chain of title from xxxxxx. - Due Diligence Vendor-04/21/2026 | Long term residence - Homeowner since 2019<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculate DSCR is 1.091%. Required is 0.75 Borrower has 1.09 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860886 | xxxxxx D B A | Closed | xxxxxx | 2026-03-30 15:13 | 2026-04-13 09:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received corrected 1003 confirming xxxxxx. - Due Diligence Vendor-04/13/2026 <br> Open-Borrower Citizenship Documentation Is Missing - Due Diligence Vendor-03/31/2026 |  | Resolved-Received corrected 1003 confirming xxxxxx. - Due Diligence Vendor-04/13/2026<br>| Long term residence - Homeowner since 2019<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculate DSCR is 1.091%. Required is 0.75 Borrower has 1.09 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860902 | xxxxxx C A | Closed | xxxxxx | 2026-03-04 09:42 | 2026-03-12 12:39 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN. - Due Diligence Vendor-03/12/2026 <br> Counter-Company Agreement provided. Please provide the EIN as required by the guidelines. - Due Diligence Vendor-03/06/2026 <br> Open-The Business Entity Formation Document is Missing. - Due Diligence Vendor-03/04/2026 |  | Resolved-Received EIN. - Due Diligence Vendor-03/12/2026<br>| Months Reserves exceed minimum required - required 2 months borrower has 43.58 months of reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 Required is 700 Borrower has 773 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860933 | xxxxxx C A | Closed | xxxxxx | 2026-03-04 12:15 | 2026-03-13 11:50 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-03/13/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the legal description attached to the mortgage. - Due Diligence Vendor-03/04/2026 |  | Resolved-Legal description provided. - Due Diligence Vendor-03/13/2026<br>| Months Reserves exceed minimum required - Verified reserves equal 4.12 months, guidelines require 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860933 | xxxxxx C A | Closed | xxxxxx | 2026-03-04 16:24 | 2026-03-11 11:04 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received flood cert dated xxxxxx - Due Diligence Vendor-03/11/2026 <br> Open-Flood Certification Date is greater than xxxxxx The flood cert is dated xxxxxx, the note date is xxxxxx. Flood cert should be dated prior to the note date. - Due Diligence Vendor-03/05/2026 |  | Resolved-Received flood cert dated xxxxxx - Due Diligence Vendor-03/11/2026 | Months Reserves exceed minimum required - Verified reserves equal 4.12 months, guidelines require 2 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860939 | xxxxxx D A | Closed | xxxxxx | 2026-02-25 14:22 | 2026-03-03 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Upon further review, Condo verbiage is included in the body of the Mortgage. - Due Diligence Vendor-03/03/2026 <br> Open-Rider Missing from DOT screen based on Property Type selected on Property Page. Missing Condo rider. - Due Diligence Vendor-02/25/2026 |  | Resolved-Upon further review, Condo verbiage is included in the body of the Mortgage. - Due Diligence Vendor-03/03/2026<br>| Months Reserves exceed minimum required - 3 months required, borrower has 62 months<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.002 Required is 0.75 Borrower has 1.002<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 860996 | xxxxxx D A | Closed | xxxxxx | 2026-03-09 13:12 | 2026-03-23 09:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-After further review, the loan file contains the expired EAD card and a I-797 confirming approval through xxxxxx, which meets guides. - Due Diligence Vendor-03/23/2026 <br> Counter-Received duplicate documentation. Please address original finding. - Due Diligence Vendor-03/20/2026 <br> Open-Borrower Citizenship Documentation Is Missing Non-perm resident both of the following required per guidelines:<br> 1. Missing copy of Visa or Employment Authorization card. The form I797 provided is form 2023 and states that the card was sent to the borrower and that the letter is not proof of employment authorization.<br> 2. Missing copy of valid passport (copy is expired) - Due Diligence Vendor-03/09/2026 |  | Resolved-After further review, the loan file contains the expired EAD card and a I-797 confirming approval through xxxxxx, which meets guides. - Due Diligence Vendor-03/23/2026 | Months Reserves exceed minimum required - 18 months > 6 required<br>On time mortgage history exceeds guideline requirement - 0x30x60 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861009 | xxxxxx D A | Closed | xxxxxx | 2026-03-18 13:42 | 2026-03-20 13:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Upon further review, the loan file contained all required property tax documentation - Due Diligence Vendor-03/20/2026 <br> Open-Missing Evidence of Property Tax Missing lender's calculation for the lender's monthly tax amount showing on the 1008. - Due Diligence Vendor-03/18/2026 |  | Resolved-Upon further review, the loan file contained all required property tax documentation - Due Diligence Vendor-03/20/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 61.86<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861087 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861091 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861095 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861114 | xxxxxx C A | Closed | xxxxxx | 2026-02-27 11:47 | 2026-03-03 14:56 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received confirmation from appraiser, xxxxxx and will be removed. Stips - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. you can see in the interior of the photos and per aprpaiser there are xxxxxx installed - the property meets MPR standards. - Seller-03/02/2026 <br> Open-Property Issues are identified for the property The appraisal report reflects xxxxxx with no explanation in the loan file from the appraiser. An explanation is required and/or a final inspection may be required. . Additional findings may apply once received and reviewed. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. you can see in the interior of the photos and per aprpaiser there are xxxxxx installed - the property meets MPR standards. - Seller-03/02/2026 | Resolved-Received confirmation from appraiser, cardboard on lower level windows are to protect newly installed windows and will be removed. Stips - Due Diligence Vendor-03/03/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 64.99<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 771 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861122 | xxxxxx C A | Closed | xxxxxx | 2026-03-26 16:37 | 2026-04-09 10:41 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, there is no guideline to support a rent free letter from the borrower's spouse. - Due Diligence Vendor-04/09/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter from borrower's spouse for primary residence (letter provided is from the borrower - needs to come from homeowner) - Due Diligence Vendor-03/26/2026 |  | Resolved-After further review, there is no guideline to support a rent free letter from the borrower's spouse. - Due Diligence Vendor-04/09/2026<br>| DSCR % greater than 1.20 - 1.363<br>LTV is less than guideline maximum - Required is 75 Borrower has 62.8<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 751 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861133 | xxxxxx D B A | Closed | xxxxxx | 2026-03-18 17:37 | 2026-04-29 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-- Leases $3700 (per appraiser includes the ADU) <br> - Market $2670 (includes ADU)<br> - Used lower market rent to qualify.<br> - Evidence of 3 months rents received, actual rents with cap of 120 of market rents= $3204.00 <br> Evidence of 3 months rent for both Subject and ADU in file. Subject lease shows $2400 with xxxxxx transfers for $2100 matching appraiser comments. ADU is cash payments transferred from xxxxxx payments at $1600 matching lease and appraiser comments. - Due Diligence Vendor-04/29/2026 <br> Counter-Received notes from originator leases are for House and ADU. Review confirms 2 lease agreements. Review confirms Lease $2,100 beginning xxxxxx has altered signature dates with no initials. Review confirms xxxxxx fixed lease for main unit has agreement date of xxxxxx #1 page 1. Original finding remains. - Due Diligence Vendor-03/27/2026 <br> Open-Leases started xxxxxx for 24m with 4 tenants and ADU started xxxxxx with 2 tenants - not supported. (1) Appraisal shows ADU (lower level) is vacant. (3) ADU Lease started xxxxxx but the lease was not made until xxxxxx per page 1 of the lease. Tenants signature dates appear to be altered (4) Bank statements provided do not support rents of $3,700 being collected from tenants who signed the leases. Additional findings may apply. - Due Diligence Vendor-03/18/2026 |  | Resolved-- Leases $3700 (per appraiser includes the ADU) <br> - Market $2670 (includes ADU)<br> - Used lower market rent to qualify.<br> - Evidence of 3 months rents received, actual rents with cap of 120 of market rents= $3204.00 <br> Evidence of 3 months rent for both Subject and ADU in file. Subject lease shows $2400 with xxxxxx transfers for $2100 matching appraiser comments. ADU is cash payments transferred from xxxxxx payments at $1600 matching lease and appraiser comments. - Due Diligence Vendor-04/29/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.032 Required is 0.75 Borrower has 1.032 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861133 | xxxxxx D B A | Closed | xxxxxx | 2026-03-18 17:22 | 2026-04-29 09:30 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received updated appraisal confirming xxxxxx for ADU - Due Diligence Vendor-04/29/2026 <br> Open-Appraisal: 1007 includes ADU in total rent. Appraiser must designate rental amount for ADU specifically. <br> - Due Diligence Vendor-03/18/2026 |  | Resolved-Received updated appraisal confirming xxxxxx for ADU - Due Diligence Vendor-04/29/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.032 Required is 0.75 Borrower has 1.032 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861133 | xxxxxx D B A | Closed | xxxxxx | 2026-03-18 17:23 | 2026-04-20 11:14 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received utility bills supporting primary residence xxxxxx for 12 months and member noted since xxxxxx - Due Diligence Vendor-04/20/2026 <br> Open-Per 1003 borrower has been at current primary residence (xxxxxx) for 5 years. Online xxxxxx rental listing for the main home says the basement is occupied by the family. xxxxxx and xxxxxx rental listing for the basement ADU show the main home is owner occupied. Note for blanket mortgage made xxxxxx in file shows the primary residence was included. Blanket mortgages are generally reserved for Investment properties. Missing supporting documentation that borrower is currently and has had occupied the primary residence on the 1003 for the past 5 years. - Due Diligence Vendor-03/18/2026 |  | Resolved-Received utility bills supporting primary residence xxxxxx for 12 months and member noted since xxxxxx - Due Diligence Vendor-04/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.032 Required is 0.75 Borrower has 1.032 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861133 | xxxxxx D B A | Closed | xxxxxx | 2026-03-18 16:43 | 2026-03-18 17:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/18/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower has title only ownership in current primary residence. Payments made by other. Exception in file. - Due Diligence Vendor-03/18/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.032 Required is 0.75 Borrower has 1.032 | - Credit Score 30+ points > minimum required<br> - Experienced investor owns and manages 2 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 861135 | xxxxxx D B A | Closed | xxxxxx | 2026-03-17 14:35 | 2026-04-29 15:37 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received Lease agreements with evidence of rents received. - Due Diligence Vendor-04/29/2026 <br> Open-Appraisal is missing (1) 1007 includes ADU in total rent. Appraiser must designate rental amount for ADU and confirm which rental comps also have a basement ADU with xxxxxx like subject. (2) Appraiser provides a photo of a well system but page 1 of the report states Public. No additional comments provided. Additional findings may apply. - Due Diligence Vendor-03/18/2026 |  | Resolved-Received Lease agreements with evidence of rents received. - Due Diligence Vendor-04/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789<br>LTV is less than guideline maximum - Required is 70 Borrower has 63.83<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.003 Required is 0 Borrower has 1.003 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861135 | xxxxxx D B A | Closed | xxxxxx | 2026-03-17 14:21 | 2026-04-29 14:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-The request for an exception for property eligibility criteria is granted. Primary property xxxxxx sq ft. and ADU xxxxxx sq ft. - Due Diligence Vendor-04/29/2026 <br> Open-Property Issues are identified for the property Per 2.10.1.1.4 ADU square footage must be smaller than the primary dwelling. Main xxxxxx sq ft. ADU xxxxxx sq ft. ADU is larger and does not meet guides. - Due Diligence Vendor-03/17/2026 |  | Waived-The request for an exception for property eligibility criteria is granted. Primary property xxxxxx sq ft. and ADU xxxxxx sq ft. - Due Diligence Vendor-04/29/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789<br>LTV is less than guideline maximum - Required is 70 Borrower has 63.83<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.003 Required is 0 Borrower has 1.003 | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 861135 | xxxxxx D B A | Closed | xxxxxx | 2026-03-17 14:40 | 2026-04-23 10:20 | Resolved | 1 - Information C A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Received proof of liens paid on CD. - Due Diligence Vendor-04/23/2026 <br> Counter-Received recorded security instrument dated xxxxxx. Finding remains. - Due Diligence Vendor-04/20/2026 <br> Counter-Received note from originator subject is cash out. Preliminary title reflects only 1 mtg xxxxxx opened xxxxxx. Transaction must meet 2.9.3.3 of guidelines. Finding remains. - Due Diligence Vendor-03/27/2026 <br> Open-Payoff(s) on the CD/HUD are not reported on Title Report. Title does not reflect the blanket mortgage secured against the subject xxxxxx and paid on the final CD. Additional findings may apply. - Due Diligence Vendor-03/18/2026 |  | Resolved-Received proof of liens paid on CD. - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789<br>LTV is less than guideline maximum - Required is 70 Borrower has 63.83<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.003 Required is 0 Borrower has 1.003 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861135 | xxxxxx D B A | Closed | xxxxxx | 2026-03-17 14:43 | 2026-04-20 11:23 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received utility bills supporting 12 months at xxxxxx and member since xxxxxx - Due Diligence Vendor-04/20/2026 <br> Open-Per 1003 borrower has been at current primary residence (xxxxxx) for 5 years. Online xxxxxx rental listing for the main home says the basement is occupied by the family. xxxxxx and xxxxxx rental listing for the basement ADU show the main home is owner occupied. Note for blanket mortgage made xxxxxx in file shows the primary residence was included. Blanket mortgages are generally reserved for Investment properties. Missing supporting documentation that borrower is currently and has had occupied the primary residence on the 1003 for the past 5 years. - Due Diligence Vendor-03/18/2026 |  | Resolved-Received utility bills supporting 12 months at xxxxxx and member since xxxxxx - Due Diligence Vendor-04/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789<br>LTV is less than guideline maximum - Required is 70 Borrower has 63.83<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.003 Required is 0 Borrower has 1.003 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861135 | xxxxxx D B A | Closed | xxxxxx | 2026-03-17 14:04 | 2026-04-15 15:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Upon further review, the lender used the lower Market Rent value. - Due Diligence Vendor-04/15/2026 <br> Open-Lease starting xxxxxx for 24m with 7 tenants not supported. (1) Appraisal shows main home is partially occupied with signs of either being recently re-occupied or vacating. (2) Appraisal shows basement ADU is vacant. (3) Lease started xxxxxx but the lease was not made until xxxxxx(?) per page 1 of the lease. Tenant signatures are from xxxxxx. (4) Bank statements provided do not support rents of $4500 being collected. They show payments from xxxxxx only for $2450 on 02/03/26 and $2600 on 12/01/25. There is no evidence of January payment or payments from any other tenant. (5) Lease does not specify if made for whole home or main only. However (a) Appraiser comments $2500 for main and $2k for ADU. Unknown how appraiser was able to make this determination. (b) Online xxxxxx rental listing histories show they were listed separately. The main home was listed for rent on 01/18/25 and removed 02/18/25 (which coincides with the lease start date xxxxxx but not the lease made date xxxxxx). The ADU was listed on 05/07/25 which is AFTER the start of the lease. (6) For ADU rents to be eligible certain criteria must be in place (see appraisal findings). Auditor must be able to determine current rents for the main home and ADU. (7) Unable to determine eligible qualifying rents. Additional findings may apply. - Due Diligence Vendor-03/17/2026 |  | Resolved-Upon further review, the lender used the lower Market Rent value. - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789<br>LTV is less than guideline maximum - Required is 70 Borrower has 63.83<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.003 Required is 0 Borrower has 1.003 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861135 | xxxxxx D B A | Closed | xxxxxx | 2026-03-17 14:52 | 2026-03-18 17:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/18/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower has title only ownership in current primary residence. Payments made by other. Exception in file. - Due Diligence Vendor-03/17/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789<br>LTV is less than guideline maximum - Required is 70 Borrower has 63.83<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.003 Required is 0 Borrower has 1.003 | - Credit Score 30+ points > minimum required<br> - Experienced investor owns and manages 2 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 861136 | xxxxxx D B A | Closed | xxxxxx | 2026-03-17 16:28 | 2026-04-29 15:44 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received updated appraisal. - Due Diligence Vendor-04/29/2026 <br> Counter-Received note from originator not considering rental income from ADU. Review response: must meet guideline 2.10.1.1.3 ADU. Review is unable to confirm rental income noted on 1007. Original finding remains. - Due Diligence Vendor-03/27/2026 <br> Open-Appraisal is missing (1) Confirmation the SFR xxxxxx-unit with ADU is legally permissible under current zoning. (2) Confirmation that the ADU has all required permits and subject is not required to legally be considered a xxxxxx. (3) Confirmation which comps have a full basement ADU with xxxxxx like subject. (If ADU is non-compliant must have no less than 2 that are also non-compliant with xxxxxx and comparable in size.) (4) Appraiser comments that lease is $4200. Lease provided is $4180. Auditor is unable to determine how Appraiser came to the conclusion that $2500 of the lease rent is for the main home and $1700 for the ADU as lease does not specify. (5) 1007 includes ADU in total rent. Appraiser must designate rental amount for ADU and confirm which rental comps also have a basement ADU with xxxxxx like subject. (6) Appraiser comments zoning and permitting are beyond the scope of the report under Highest and Best Use section but items must be specifically addressed per guides. (7) Items requested are required to be addressed per 2.10.1.1.4 A and impact how the DSCR will be calculated. Non-compliant zoning has additional requirements. Loan submitted with ADU rents included. (8) Additional findings may apply. - Due Diligence Vendor-03/17/2026 |  | Resolved-Received updated appraisal. - Due Diligence Vendor-04/29/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861136 | xxxxxx D B A | Closed | xxxxxx | 2026-03-17 15:40 | 2026-04-29 15:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received Lease agreements with evidence of rents received. - Due Diligence Vendor-04/29/2026 <br> Counter-Received rebuttal rental income from ADU not considered. Please address original finding. - Due Diligence Vendor-03/27/2026 <br> Open-Lease starting xxxxxx for 24m with 5 tenants not supported. (1) Lease started xxxxxx but the lease was not made until xxxxxx(?) per page 1 of the lease. Tenant signatures are from xxxxxx which is prior to when the lease was made. (2) Bank statements provided do not support rents of $4180 being collected. They show payments from xxxxxx only for $1950 on 02/02/26 and 12/02/25. There is no evidence of January payment or payments from any other tenant. (3) Lease does not specify if made for whole home or main only. However (a) Appraiser comments $2500 for main and $1700 for ADU. Unknown how appraiser was able to make this determination. (4) For ADU rents to be eligible certain criteria must be in place (see appraisal findings). Auditor must be able to determine current rents for the main home and ADU. (75 Unable to determine eligible qualifying rents. Additional findings may apply. - Due Diligence Vendor-03/17/2026 |  | Resolved-Received Lease agreements with evidence of rents received. - Due Diligence Vendor-04/29/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861136 | xxxxxx D B A | Closed | xxxxxx | 2026-03-18 15:53 | 2026-04-21 08:25 | Resolved | 1 - Information C A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Received Deeds to Secure Debt on Subject. - Due Diligence Vendor-04/21/2026 <br> Counter-Received note from originator subject is cash out. Preliminary title reflects only 1 mtg xxxxxx opened xxxxxx. Transaction must meet 2.9.3.3 of guidelines. Finding remains.<br> - Due Diligence Vendor-03/27/2026 <br> Open-Payoff(s) on the CD/HUD are not reported on Title Report. Title does not reflect the blanket mortgage secured against the subject xxxxxx and paid on the final CD. Additional findings may apply. - Due Diligence Vendor-03/18/2026 |  | Resolved-Received Deeds to Secure Debt on Subject. - Due Diligence Vendor-04/21/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861136 | xxxxxx D B A | Closed | xxxxxx | 2026-03-18 15:57 | 2026-04-20 11:32 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received 12 months utility bills reflecting member since xxxxxx for xxxxxx - Due Diligence Vendor-04/20/2026 <br> Open-Per 1003 borrower has been at current primary residence (xxxxxx) for 5 years. Online xxxxxx rental listing for the main home says the basement is occupied by the family. xxxxxx and xxxxxx rental listing for the basement ADU show the main home is owner occupied. Note for blanket mortgage made xxxxxx in file shows the primary residence was included. Blanket mortgages are generally reserved for Investment properties. Missing supporting documentation that borrower is currently and has had occupied the primary residence on the 1003 for the past 5 years. - Due Diligence Vendor-03/18/2026 |  | Resolved-Received 12 months utility bills reflecting member since 2020 for xxxxxx - Due Diligence Vendor-04/20/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861136 | xxxxxx D B A | Closed | xxxxxx | 2026-03-17 16:09 | 2026-03-18 17:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/18/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower has title only ownership in current primary residence. Payments made by other. Exception in file. <br> - Due Diligence Vendor-03/17/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-03/18/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 789 | - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> - Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 861190 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861205 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861215 | xxxxxx D A | Closed | xxxxxx | 2026-03-26 15:18 | 2026-05-13 12:40 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received executed I/O Addendum to fixed rate note - Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. - Buyer-05/08/2026 <br> Counter-Received Note, Prepayment Penalty Addendum, Prepayment Penalty Addendum to Note. Missing Interest Only Addendum. - Due Diligence Vendor-04/27/2026 <br> Open-There are Issues Present on the Note that must be addressed. Payment on Note is calculated to be interest only but there is no mention on interest only or addendum. - Due Diligence Vendor-03/26/2026 |  | Resolved-Received executed I/O Addendum to fixed rate note - Due Diligence Vendor-05/11/2026<br>| LTV is less than guideline maximum - Maximum LTV is 70%; Borrower LTV is 65%<br> Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 700; Borrower FICO is 723. Required is 700 Borrower has 723 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861215 | xxxxxx D A | Closed | xxxxxx | 2026-03-26 16:34 | 2026-05-12 15:34 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Business Purpose Affidavit provided. - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. - Buyer-05/12/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing Provide the Business Purpose affidavit or certification. - Due Diligence Vendor-03/26/2026 |  | Resolved-Business Purpose Affidavit provided. - Due Diligence Vendor-05/12/2026<br>| LTV is less than guideline maximum - Maximum LTV is 70%; Borrower LTV is 65%<br> Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 700; Borrower FICO is 723. Required is 700 Borrower has 723 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861215 | xxxxxx D A | Closed | xxxxxx | 2026-03-26 16:18 | 2026-03-31 11:56 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/31/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description is missing - Due Diligence Vendor-03/26/2026 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/31/2026<br>| LTV is less than guideline maximum - Maximum LTV is 70%; Borrower LTV is 65%<br> Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO required is 700; Borrower FICO is 723. Required is 700 Borrower has 723 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861340 | xxxxxx B A | Closed | xxxxxx | 2026-04-14 18:44 | 2026-04-15 05:01 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/14/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 754 Required is 680 Borrower has 754<br>LTV is less than guideline maximum - Required is 70 Borrower has 36.6 Required is 70 Borrower has 36.6<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.41 Required is 50 Borrower has 15.41 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 861371 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861385 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861410 | xxxxxx C A | Closed | xxxxxx | 2026-03-06 12:48 | 2026-03-10 13:28 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received Revised 1003 - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. uploaded. - Seller-03/06/2026 <br> Open-1003 incorrectly reflects borrower is a xxxxxx. File contains Permanent Resident Alien card. Please provide corrected 1003. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. uploaded. - Seller-03/06/2026<br>| Resolved-Received Revised 1003 - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>LTV is less than guideline maximum - Required is 65 Borrower has 51.69 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861410 | xxxxxx C A | Closed | xxxxxx | 2026-03-05 08:54 | 2026-03-10 13:28 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Gap report /Refresh are not required on DSCR. See xxxxxx GL 2.6.2. - Business purpose DSCR transactions are excluded from this requirement. - Seller-03/06/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap credit report completed 11 days before closing - Due Diligence Vendor-03/05/2026 | Ready for Review-Gap report /Refresh are not required on DSCR. See xxxxxx GL 2.6.2. - Business purpose DSCR transactions are excluded from this requirement. - Seller-03/06/2026 | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>LTV is less than guideline maximum - Required is 65 Borrower has 51.69 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861410 | xxxxxx C A | Closed | xxxxxx | 2026-03-05 09:10 | 2026-03-10 13:27 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. SIGN LOX FOR INQUIRIES - Seller-03/06/2026 <br> Open-LOX for credit inquiries is missing. LOX for inquiries not signed. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. SIGN LOX FOR INQUIRIES - Seller-03/06/2026<br>| Resolved-Received LOE. - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>LTV is less than guideline maximum - Required is 65 Borrower has 51.69 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861410 | xxxxxx C A | Closed | xxxxxx | 2026-03-05 09:26 | 2026-03-10 13:27 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received Cash Out Letter. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. UPLOADED. - Seller-03/06/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Not provided - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. UPLOADED. - Seller-03/06/2026<br>| Resolved-Received Cash Out Letter. - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>LTV is less than guideline maximum - Required is 65 Borrower has 51.69 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861440 | xxxxxx D B A | Closed | xxxxxx | 2026-03-06 13:38 | 2026-03-18 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/17/2026 <br> Counter-Document would not open, please re-attach. - Due Diligence Vendor-03/12/2026 <br> Open-Missing Third Party Fraud Report Provide Missing Fraud Report. xxxxxx ran on borrowers only. No OFAC report in file. - Due Diligence Vendor-03/06/2026 |  | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 743. Required is 700 Borrower has 743<br>LTV is less than guideline maximum - LTV Required is 70% Borrower has 65%. Required is 70 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861440 | xxxxxx D B A | Closed | xxxxxx | 2026-03-06 13:00 | 2026-03-12 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received commitment. - Due Diligence Vendor-03/12/2026 <br> Open-Title Document is missing Provide missing title. - Due Diligence Vendor-03/06/2026 |  | Resolved-Received commitment. - Due Diligence Vendor-03/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 743. Required is 700 Borrower has 743<br>LTV is less than guideline maximum - LTV Required is 70% Borrower has 65%. Required is 70 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861440 | xxxxxx D B A | Closed | xxxxxx | 2026-03-09 13:35 | 2026-03-09 13:35 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-03/09/2026 |  | Waived-Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-03/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 743. Required is 700 Borrower has 743<br>LTV is less than guideline maximum - LTV Required is 70% Borrower has 65%. Required is 70 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 861448 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861454 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861455 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861504 | xxxxxx D A | Closed | xxxxxx | 2026-03-19 09:43 | 2026-06-09 09:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Language is within the DOT. - Due Diligence Vendor-03/24/2026 <br> Open-Rider Missing from DOT screen based on Property Type selected on Property Page. Missing Condo Rider - Due Diligence Vendor-03/20/2026 |  | Resolved-Language is within the DOT. - Due Diligence Vendor-03/24/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 734 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861593 | xxxxxx C A | Closed | xxxxxx | 2026-05-07 09:51 | 2026-05-13 08:51 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received confirmation all high and medium alerts on fraud report have been cleared. - Due Diligence Vendor-05/13/2026 <br> Open-Fraud Report Shows Uncleared Alerts high and med alerts - Due Diligence Vendor-05/07/2026 |  | Resolved-Received confirmation all high and medium alerts on fraud report have been cleared. - Due Diligence Vendor-05/13/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.61 Required is 50 Borrower has 42.61<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 706 Required is 660 Borrower has 706 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861604 | xxxxxx C A | Closed | xxxxxx | 2026-03-04 17:00 | 2026-03-12 12:16 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Note and Mortgage Statement, borrower is not obligated. - Due Diligence Vendor-03/12/2026 <br> Counter-Client Comments - Please see the attached Property Profile of the primary residence xxxxxx owned by the borrower. xxxxxx! - Audit Response, please provide the payment history or documentation to support the borrower is not obligated. <br> - Due Diligence Vendor-03/09/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter from the owner of the borrower's primary residence. - Due Diligence Vendor-03/04/2026 |  | Resolved-Received Note and Mortgage Statement, borrower is not obligated. - Due Diligence Vendor-03/12/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 65.79<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 808 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861604 | xxxxxx C A | Closed | xxxxxx | 2026-03-04 16:12 | 2026-03-10 10:31 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Updated xxxxxx Title Policy with sufficient coverage. - Due Diligence Vendor-03/10/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-03/04/2026 |  | Resolved-Received Updated xxxxxx Title Policy with sufficient coverage. - Due Diligence Vendor-03/10/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 65.79<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 808 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861607 | xxxxxx D A | Closed | xxxxxx | 2026-04-03 11:11 | 2026-04-14 10:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-04/14/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-04/03/2026 |  | Resolved-Received business purpose affidavit. - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784<br>LTV is less than guideline maximum - Required is 75 Borrower has 54 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861608 | xxxxxx C B A | Closed | xxxxxx | 2026-05-18 12:41 | 2026-05-22 10:45 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/22/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/18/2026 |  | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/22/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.42<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 716<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861608 | xxxxxx C B A | Closed | xxxxxx | 2026-05-18 11:52 | 2026-05-18 13:55 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/18/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/18/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.42<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 716<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 861624 | xxxxxx C A | Closed | xxxxxx | 2026-03-10 16:29 | 2026-03-24 17:15 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-Permanent Resident Card and Social Security Number verification were provided. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/24/2026 <br> Open-Missing Permanent Resident Card and Social Security Number verification - Due Diligence Vendor-03/10/2026 |  | Resolved-Permanent Resident Card and Social Security Number verification were provided. - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 687 Required is 660 Borrower has 687<br>LTV is less than guideline maximum - Required is 70 Borrower has 57.5 Required is 70 Borrower has 57.5 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861648 | xxxxxx C A | Closed | xxxxxx | 2026-04-07 10:27 | 2026-05-19 12:37 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/19/2026 <br> Counter-Received legal attached to security instrument. Legal reflects blanks within chain of title. Please confirm this was accepted as final legal for recording. - Due Diligence Vendor-04/13/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description. - Due Diligence Vendor-04/07/2026 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-05/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 779<br>On time mortgage history exceeds guideline requirement - 0x30x36 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861651 | xxxxxx D A C | Closed | xxxxxx | 2026-03-18 15:58 | 2026-04-02 10:39 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-03/23/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU/LCA both > 2.5 - Due Diligence Vendor-03/18/2026 |  | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-03/23/2026<br>| Months Reserves exceed minimum required - 46 available, 2 required<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861651 | xxxxxx D A C | Closed | xxxxxx | 2026-03-18 15:36 | 2026-04-01 12:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received EIN - Due Diligence Vendor-04/01/2026 <br> Counter-Received xxxxxx, Articles of Organization and Certificate of Organization. Missing IRS confirmation of EIN. - Due Diligence Vendor-03/23/2026 <br> Open-Business Entity EIN value is invalid (Field value is ''). Missing EIN, two member LLC. - Due Diligence Vendor-03/20/2026 |  | Resolved-Received EIN - Due Diligence Vendor-04/01/2026<br>| Months Reserves exceed minimum required - 46 available, 2 required<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861651 | xxxxxx D A C | Closed | xxxxxx | 2026-03-18 15:36 | 2026-04-01 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-04/01/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing Occupancy cert on it's own does not suffice. - Due Diligence Vendor-03/20/2026 |  | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-04/01/2026<br>| Months Reserves exceed minimum required - 46 available, 2 required<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861651 | xxxxxx D A C | Closed | xxxxxx | 2026-03-18 15:36 | 2026-04-01 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received personal guaranty agreement. - Due Diligence Vendor-03/26/2026 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-03/18/2026 |  | Resolved-Received personal guaranty agreement. - Due Diligence Vendor-03/26/2026<br>| Months Reserves exceed minimum required - 46 available, 2 required<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861655 | xxxxxx C A | Closed | xxxxxx | 2026-03-23 10:24 | 2026-04-09 13:23 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Document Uploaded. Guidelines require the entity to be searched in the Excluded Parties Search, which was provided. - Due Diligence Vendor-04/09/2026 <br> Counter-Client response: The borrowing LLC has it's individual search, see uploaded SAM.GOV document. Furthermore, the sponsor is included in the fraud report. Please clear/waive this condition, all requirements have been met. Audit- Provide Fraud report including all parties checked against all list. - Due Diligence Vendor-04/07/2026 <br> Counter-Loan Participant Analysis did not include the borrowers LLC. - Due Diligence Vendor-04/02/2026 <br> Counter-1 page of the Fraud Report provided, please provide all pages for review. - Due Diligence Vendor-03/27/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Borrower's LLC was not included in Fraud Report search. - Due Diligence Vendor-03/23/2026 |  | Resolved-Document Uploaded. Guidelines require the entity to be searched in the Excluded Parties Search, which was provided. - Due Diligence Vendor-04/09/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 46.9 Required is 70 Borrower has 46.9<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735 Required is 660 Borrower has 735 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861655 | xxxxxx C A | Closed | xxxxxx | 2026-03-23 09:48 | 2026-03-27 13:55 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised Appraisal. - Due Diligence Vendor-03/27/2026 <br> Open-Appraisal shows property was purchased in xxxxxx. Per title & settlement statement it was purchased in xxxxxx. - Due Diligence Vendor-03/23/2026 |  | Resolved-Received revised Appraisal. - Due Diligence Vendor-03/27/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 46.9 Required is 70 Borrower has 46.9<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735 Required is 660 Borrower has 735 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861667 | xxxxxx C B A | Closed | xxxxxx | 2026-02-27 09:48 | 2026-03-05 08:25 | Waived | 2 - Non-Material C B | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Waived-Originator exception applied to non-material finding with comp ractors. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. please see attached exceptions. - Seller-03/03/2026 <br> Open-Borrower 1 Credit Report is Partially Present. Guidelines state, section 5.2.1, all credit documentation, including the credit report, may not be more than 90 days old at the time of closing. The credit report is 104 days old as of the Note date.<br> - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. please see attached exceptions. - Seller-03/03/2026<br>| Waived-Originator exception applied to non-material finding with comp ractors. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 | FICO 765, min. 680, LTV is 75%, max 80. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 861673 | xxxxxx C B A | Closed | xxxxxx | 2026-02-26 12:17 | 2026-03-04 14:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator provided a waiver to allow investor concentration exceeding 70% per guidelines, applied to non material finding with comp factors - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. See attached exception - Seller-03/03/2026 <br> Open-Property Issues are identified for the property Non Warrantable condo due to investor concentration of 86%. Investor concentration in project up to 51% allowed per guidelines. Higher percentages may be considered on investment property transactions when an established history of a high percentage of rental units in the condominium project can be demonstrated. Missing documentation of established history. <br> - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. See attached exception - Seller-03/03/2026<br>| Waived-Originator provided a waiver to allow investor concentration exceeding 70% per guidelines, applied to non material finding with comp factors - Due Diligence Vendor-03/04/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 41.24<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 | FICO 787 <br> DSCR >1.00<br> 3+ months reserves <br> Low LTV | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 861682 | xxxxxx C A | Closed | xxxxxx | 2026-02-26 16:27 | 2026-03-16 11:26 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Per our guidelines "we do not source large deposits" on a Business Purpose No Ratio transaction. - Seller-03/13/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements The loan file contains an underwriter memo stating the borrower is receiving funds from a lawsuit for closing. However, a review of the loan file did not contain any documentation about the lawsuit or the amount of funds the borrower would be receiving. In addition, a wire was deposited on 2/18/2026 into the borrower's account for $143,044.00 and it was not sourced and documented at all. - Due Diligence Vendor-02/26/2026 | Ready for Review-Per our guidelines "we do not source large deposits" on a Business Purpose No Ratio transaction. - Seller-03/13/2026<br>| Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 683<br>Months Reserves exceed minimum required - 3 months of reserves required. Borrower has 6.32 month of verified reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861682 | xxxxxx C A | Closed | xxxxxx | 2026-02-25 12:28 | 2026-03-16 11:26 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. see attached copy of the recorded DOT with legal description - Seller-03/13/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit "A" legal description left blank in mortgage document chain. <br> - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. see attached copy of the recorded DOT with legal description - Seller-03/13/2026<br>| Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 683<br>Months Reserves exceed minimum required - 3 months of reserves required. Borrower has 6.32 month of verified reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861689 | xxxxxx D B A | Closed | xxxxxx | 2026-03-02 16:46 | 2026-04-08 14:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Originator exception granted to allow an expired credit report. UDM provided - waiver applied to non-material finding with comp factors. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. see attached credit report exception - Seller-03/19/2026 <br> Open-and borrower 2 credit report is expired. Per guidelines Credit to be within 90 days of closing. In file is 98 days to close. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. see attached credit report exception - Seller-03/19/2026<br>| Waived-Originator exception granted to allow an expired credit report. UDM provided - waiver applied to non-material finding with comp factors. - Due Diligence Vendor-04/08/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.008 Required is 0.75 Borrower has 1.008<br>Months Reserves exceed minimum required - Reserves = 7 months – Required Reserves = 3 Months | 7 months reserves provided with 3 months required<br> DSCR of 1.008 and min. of .75 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 861689 | xxxxxx D B A | Closed | xxxxxx | 2026-02-27 16:59 | 2026-03-25 17:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Application | Resolved-Received 1003 for B2 - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. see attached URLA for B2 - Seller-03/24/2026 <br> Open-Missing final URLA/1003 for borrower 2, additional findings may apply. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. see attached URLA for B2 - Seller-03/24/2026<br>| Resolved-Received 1003 for B2 - Due Diligence Vendor-03/25/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.008 Required is 0.75 Borrower has 1.008<br>Months Reserves exceed minimum required - Reserves = 7 months – Required Reserves = 3 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861698 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861704 | xxxxxx C A | Closed | xxxxxx | 2026-03-04 12:18 | 2026-03-20 10:55 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Business purpose does not require housing on primary. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. see attached pages 48-49 of our guidelines and refer to the highlighted of section 5.5 paragraph 4 that states: <br> For Consumer Purpose Purchases, xxxxxx requires a VOM for the departing residence, or a VOR if the borrower <br> rents (and doesn't live rent free) - Seller-03/19/2026 <br> Counter-Finding is for a 12 month payment history for the Primary residence. Note borrower has been renting for 6 months, prior housing history is required. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-The subject property is owned free and clear, cash out refi per the closing statement This is a business purpose loan the guidelines do not require mortgage not reporting on the credit report to be rated. - Seller-03/11/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOR from institutional landlord or private VOR with proof of payments for most recent 6 months required by Guideline Section 5.6. Although Guideline Section 5.5.1 states for borrowers who do not have a complete 12-month housing history must comply with the VOM/VOR history on rate sheet and matrices. The BPA BPD BPN rate sheet has a provision for no VOM but not for no VOR. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. see attached pages 48-49 of our guidelines and refer to the highlighted of section 5.5 paragraph 4 that states: <br> For Consumer Purpose Purchases, xxxxxx requires a VOM for the departing residence, or a VOR if the borrower <br> rents (and doesn't live rent free) - Seller-03/19/2026 <br> Ready for Review-The subject property is owned free and clear, cash out refi per the closing statement This is a business purpose loan the guidelines do not require mortgage not reporting on the credit report to be rated. - Seller-03/11/2026 | Resolved-Business purpose does not require housing on primary. - Due Diligence Vendor-03/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 766<br>DSCR % greater than 1.20 - Required is 1.5 Borrower has 2.871 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861704 | xxxxxx C A | Closed | xxxxxx | 2026-03-04 06:39 | 2026-03-12 15:54 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Title received removing #7 & #8 - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. attached is the free and clear affidavit executed at settlement- required on schedule B1<br> Nos. 7 & 8 were removed due to the conditions being met prior to settlement. - Seller-03/11/2026 <br> Open-Property Title Issue 1. Missing Free and Clear Affidavit required by Schedule B - Part I Item #6.<br> 2. Missing evidence that Schedule B - Part I Item #8 was either paid or deleted. Item #8 is a Judgment and lien against the LLC. Additional findings may apply. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. attached is the free and clear affidavit executed at settlement- required on schedule B1<br> Nos. 7 & 8 were removed due to the conditions being met prior to settlement. - Seller-03/11/2026<br>| Resolved-Title received removing #7 & #8 - Due Diligence Vendor-03/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 766<br>DSCR % greater than 1.20 - Required is 1.5 Borrower has 2.871 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861705 | xxxxxx D A | Closed | xxxxxx | 2026-03-02 11:40 | 2026-03-06 07:49 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Certificate of good standing provided. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-03/06/2026 <br> Open-The Business Entity Formation Document is incomplete Missing Certificate of Good Standing - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. See attached - Seller-03/06/2026<br>| Resolved-Certificate of good standing provided. - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806<br>Months Reserves exceed minimum required - MIn 0, actual 125.64 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861705 | xxxxxx D A | Closed | xxxxxx | 2026-03-01 12:43 | 2026-03-06 07:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-After further review, an initial escrow disclosure is not required on investment properties. - Due Diligence Vendor-03/06/2026 <br> Counter-Subject loan has escrows. Escrow disclosure required. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-This is a Business Purpose Loan there are no Disclosure sent out the BP loans - Seller-03/03/2026 <br> Open-MISSING INITIAL ESCROW DISCLOSURE - Due Diligence Vendor-03/01/2026 | Ready for Review-This is a Business Purpose Loan there are no Disclosure sent out the BP loans - Seller-03/03/2026<br>| Resolved-After further review, an initial escrow disclosure is not required on investment properties. - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 806<br>Months Reserves exceed minimum required - MIn 0, actual 125.64 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861710 | xxxxxx D A | Closed | xxxxxx | 2026-03-05 16:04 | 2026-03-16 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Page 4 of the loan application for borrower 3 was provided. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see page 4<br> - Seller-03/13/2026 <br> Open-Borrower 3 on final 1003 is incomplete in section 5 declarations "Have you declared bankruptcy in the past 7 years" not answered. Please provide updated documment with bankruptcy question answered. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Please see page 4<br> - Seller-03/13/2026<br>| Resolved-Page 4 of the loan application for borrower 3 was provided. - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 766. Required is 620 Borrower has 766<br>Months Reserves exceed minimum required - 6 months required : borrower has 105.38 months of reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861710 | xxxxxx D A | Closed | xxxxxx | 2026-03-05 15:52 | 2026-03-16 11:14 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Recorded DOT was provided. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. see atta - Seller-03/13/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. see atta - Seller-03/13/2026<br>| Resolved-Recorded DOT was provided. - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 766. Required is 620 Borrower has 766<br>Months Reserves exceed minimum required - 6 months required : borrower has 105.38 months of reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861713 | xxxxxx C A | Closed | xxxxxx | 2026-03-09 16:43 | 2026-03-12 09:16 | Resolved | 1 - Information C A | Credit | Eligibility | Issue with First Payment Letter | Resolved-Received Lender Calculation for Taxes and email lox for increase based on "historical increased millage rate year after year" - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Use the Millage x the new acquired value <br>Property tax: xxxxxx - Seller-03/10/2026 <br> Open-First Payment Letter discloses monthly tax escrow payment of xxxxxx Tax document in file discloses total annual tax amount due as xxxxxx monthly. - Due Diligence Vendor-03/09/2026 | Ready for Review-Use the Millage x the new acquired value <br>Property tax: xxxxxx - Seller-03/10/2026 | Resolved-Received Lender Calculation for Taxes and email lox for increase based on "historical increased millage rate year after year" - Due Diligence Vendor-03/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 766<br>Months Reserves exceed minimum required - required zero months. borrower has 117.43 months of reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861715 | xxxxxx D A | Closed | xxxxxx | 2026-03-10 11:29 | 2026-03-20 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-The file contains the documentation to support the 1031 exchange in the amount of $179,381.33. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Where in our guidelines are you coming up with this? Our guidelines have none requirement for 1031 exchanges "Only on non-owner properties". We have everything we internally require which was all provided in the TPR package which is more than Calrifii should require. Please clear this finding. - Seller-03/17/2026 <br> Counter-Review is unable to locate 1031 documentation supporting $177,381.33 deposit. Please provide. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-1031 exchange doc, final statement , and funds to close $140,444.37 wire confirmation is in the TPR package provided to clarifiii, please review again. - Seller-03/13/2026 <br> Counter-Received final settlement statement reflecting 1031 exchange funds. Missing 1031 Agreement and accommodator confirmation. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED SIGNED CD DATED xxxxxx - Seller-03/10/2026 <br> Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Most recently printed settlement statement is missing signatures (dated xxxxxx) - Due Diligence Vendor-03/10/2026 | Ready for Review-Where in our guidelines are you coming up with this? Our guidelines have none requirement for 1031 exchanges "Only on non-owner properties". We have everything we internally require which was all provided in the TPR package which is more than Calrifii should require. Please clear this finding. - Seller-03/17/2026 <br> Ready for Review-1031 exchange doc, final statement , and funds to close $140,444.37 wire confirmation is in the TPR package provided to clarifiii, please review again. - Seller-03/13/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED SIGNED CD DATED xxxxxx - Seller-03/10/2026 | Resolved-The file contains the documentation to support the 1031 exchange in the amount of $179,381.33. - Due Diligence Vendor-03/20/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 781 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861736 | xxxxxx D A | Closed | xxxxxx | 2026-05-07 17:12 | 2026-05-11 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Per GL, P&L is required when the 1099 reporting period is GREATER than 120 days from the Note date. Note date is xxxxxx making the 2025 1099 reporting period at 120 days - Due Diligence Vendor-05/11/2026 <br> Open-Borrower 1 YTD Profit & Loss Missing Missing third-party P&L or other acceptable documentation for verification of YTD earnings to support continued receipt of income from same source - Due Diligence Vendor-05/07/2026 |  | Resolved-Per GL, P&L is required when the 1099 reporting period is GREATER than 120 days from the Note date. Note date is xxxxxx making the 2025 1099 reporting period at 120 days - Due Diligence Vendor-05/11/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 792<br>LTV is less than guideline maximum - Required is 90 Borrower has 72.05 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861752 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 861761 | xxxxxx C B A | Closed | xxxxxx | 2026-03-09 14:14 | 2026-03-26 08:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client waiver applied to non-material finding with compensating factors. Fico score exception. - Due Diligence Vendor-03/26/2026 <br> Open-Audited FICO of 649 is less than Guideline FICO of 700 First time investor - Due Diligence Vendor-03/09/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors. Fico score exception. - Due Diligence Vendor-03/26/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 63.84<br>Months Reserves exceed minimum required - 6 months exceeds 3 required | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines 63.84%, max 75%<br> DSCR > 1.15<br> 6 months of reserves | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 861761 | xxxxxx C B A | Closed | xxxxxx | 2026-03-06 13:16 | 2026-03-20 13:57 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-03/20/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-03/06/2026 |  | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-03/20/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 63.84<br>Months Reserves exceed minimum required - 6 months exceeds 3 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861779 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861799 | xxxxxx D A | Closed | xxxxxx | 2026-03-17 14:49 | 2026-03-23 09:06 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the credit report is in the loan file with a housing history. - Due Diligence Vendor-03/23/2026 <br> Counter-Received Lender comment Please review credit report on page 52 of credit package and advise if anything further is needed. Audit. File included Credit supplement dated 1/8. Missing credit report. - Due Diligence Vendor-03/20/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOMs on all properties owned and Missing VOM on primary - credit report missing from file - Due Diligence Vendor-03/18/2026 |  | Resolved-After further review, the credit report is in the loan file with a housing history. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 753 Required is 640 Borrower has 753<br>Months Reserves exceed minimum required - 62 Months Reserves exceed 2 months minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861799 | xxxxxx D A | Closed | xxxxxx | 2026-03-17 14:49 | 2026-03-23 09:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-After further review, the credit report is in the loan file. - Due Diligence Vendor-03/23/2026 <br> Counter-Received Lender comment Please review credit report on page 52 of credit package and advise if anything further is needed. Audit. File included Credit supplement dated 1/8. Missing credit report. - Due Diligence Vendor-03/20/2026 <br> Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-03/18/2026 |  | Resolved-After further review, the credit report is in the loan file. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 753 Required is 640 Borrower has 753<br>Months Reserves exceed minimum required - 62 Months Reserves exceed 2 months minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861803 | xxxxxx C B A | Closed | xxxxxx | 2026-01-16 23:42 | 2026-01-20 10:52 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Inquiry letter provided. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. - Seller-01/20/2026 <br> Open-LOX for credit inquiries is missing. Missing LOX for credit inquiries - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. - Seller-01/20/2026<br>| Resolved-Inquiry letter provided. - Due Diligence Vendor-01/20/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 73.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861803 | xxxxxx C B A | Closed | xxxxxx | 2026-01-14 07:24 | 2026-01-14 07:24 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material findings. - Due Diligence Vendor-01/14/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Originator waiver applied to non-material findings. - Due Diligence Vendor-01/14/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 73.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 861804 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861810 | xxxxxx D A C | Closed | xxxxxx | 2026-03-31 14:27 | 2026-04-17 12:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Statement, no late payments. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Uploaded. See xxxxxx Card Statements for February and March. xxxxxx, forgot to include most recent xxxxxx with $0 past due. We will upload once this has been reviewed. - Seller-04/15/2026 <br> Counter-Received gap credit report reflecting revolving account xxxxxxxx past due $127. Provide confirmation paid current. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. Uploaded. See xxxxxx. - Seller-04/11/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Uploaded. See xxxxxx Card Statements for February and March. xxxxxx, forgot to include most recent xxxxxx with $0 past due. We will upload once this has been reviewed. - Seller-04/15/2026 <br> Ready for Review-Document Uploaded. Uploaded. See xxxxxx. - Seller-04/11/2026 | Resolved-Received Statement, no late payments. - Due Diligence Vendor-04/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.63<br>LTV is less than guideline maximum - Required is 80 Borrower has 74.19 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861810 | xxxxxx D A C | Closed | xxxxxx | 2026-03-31 11:03 | 2026-04-15 10:36 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD, finding resolved. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Uploaded. PCCD. - Seller-04/13/2026 <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. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Uploaded. PCCD. - Seller-04/13/2026<br>| Resolved-Received PCCD, finding resolved. - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.63<br>LTV is less than guideline maximum - Required is 80 Borrower has 74.19 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861817 | xxxxxx C A | Closed | xxxxxx | 2026-03-27 17:14 | 2026-04-02 10:14 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received 24 mos chain of title. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/31/2026 <br> Open-Unsatisfactory Chain of Title provided. Not showing on title and no property report provided. - Due Diligence Vendor-03/27/2026 |  | Resolved-Received 24 mos chain of title. - Due Diligence Vendor-04/02/2026<br>| Months Reserves exceed minimum required - 30 months reserves; 6 months reserves required.<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.5<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861818 | xxxxxx C A | Closed | xxxxxx | 2026-04-07 17:24 | 2026-04-15 12:41 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. please see the attached documentation - Seller-04/13/2026 <br> Open-LOX for credit inquiries is missing. New inquiry noted on gap report to be addressed. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. please see the attached documentation - Seller-04/13/2026<br>| Resolved-Received LOE. - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 17.3 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861970 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 13:31 | 2026-04-29 07:18 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/29/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $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). -----Zero (0%) tolerance fees increased by $205.00 (Title Insurance Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $205.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx.<br> - Due Diligence Vendor-04/14/2026 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/29/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 14.71<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 8.8<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 774 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 861989 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862030 | xxxxxx D A | Closed | xxxxxx | 2026-03-06 15:47 | 2026-03-17 11:47 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received property management lease and 12 month history of receipts. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/16/2026 <br> Open-Missing Third Party Market Rent Source 1007 is missing from Appraisal. In addition, per guidelines of STR's, 12-month look back period to account for seasonality required along with a screen shot of the online listing showing the property(s) activity marketed as a short-term rental - Due Diligence Vendor-03/10/2026 |  | Resolved-Received property management lease and 12 month history of receipts. - Due Diligence Vendor-03/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730<br>Months Reserves exceed minimum required - Min 2, Borrower has 17.56 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862030 | xxxxxx D A | Closed | xxxxxx | 2026-03-06 16:21 | 2026-03-16 12:26 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received clear OFAC and SAM for non borrowing spouse. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/13/2026 <br> Counter-Fraud report provided did not include the non-borrower on participant list. Finding Remains. - Due Diligence Vendor-03/12/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Non Borrower was not included in Fraud Report search. - Due Diligence Vendor-03/10/2026 |  | Resolved-Received clear OFAC and SAM for non borrowing spouse. - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730<br>Months Reserves exceed minimum required - Min 2, Borrower has 17.56 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862044 | xxxxxx D B A | Closed | xxxxxx | 2026-03-12 16:33 | 2026-03-27 16:04 | Waived | 2 - Non-Material C B | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Waived-Client waiver applied to non-material finding with compensating factors. Exception for rent loss coverage. - Due Diligence Vendor-03/27/2026 <br> Open-Rent Loss Coverage is Insufficient or Missing. Business interruption/rent loss insurance for 6 months required - Due Diligence Vendor-03/12/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for rent loss coverage. - Due Diligence Vendor-03/27/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 722 | 722 fico min 660<br> 60% LTV, max 70% | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 862044 | xxxxxx D B A | Closed | xxxxxx | 2026-03-12 14:07 | 2026-03-26 16:15 | Resolved | 1 - Information D A | Credit | Eligibility | Borrower1 Signed As Trustee (ONLY) | Resolved-The Note is signed as a trustee and the borrower signed the guaranty agreement as an individual. - Due Diligence Vendor-03/26/2026 <br> Open-Borrower1 Signed As Individuals as Trustee Did not sign as an individual AND trustee not allowed. - Due Diligence Vendor-03/16/2026 |  | Resolved-The Note is signed as a trustee and the borrower signed the guaranty agreement as an individual. - Due Diligence Vendor-03/26/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 722 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862045 | xxxxxx B A | Closed | xxxxxx | 2026-04-24 17:23 | 2026-04-24 17:23 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br>- Due Diligence Vendor-04/24/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br>- Due Diligence Vendor-04/24/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 730 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 862075 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 862079 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 862080 | xxxxxx C A | Closed | xxxxxx | 2026-03-26 14:12 | 2026-04-17 09:46 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received PCCD, subject transaction is a rate/term. Audited LTV of 74.2% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Uploaded. PCCD. - Seller-04/13/2026 <br> Open-Audited LTV of 74.2% exceeds Guideline LTV of 70% Per final CD this is a cash out transaction max 70%. If another CD is provided then TRID must be re-ran as well. - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. Uploaded. PCCD. - Seller-04/13/2026<br>| Resolved-Received PCCD, subject transaction is a rate/term. Audited LTV of 74.2% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-04/17/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.36<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 725 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862080 | xxxxxx C A | Closed | xxxxxx | 2026-03-26 14:03 | 2026-04-10 11:56 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received updated credit report dated prior to disbursement reflecting 0x30 for the 2nd lien. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Uploaded. See Credit Report (It is a home improvement loan). Rebuttal: Please see closing package pages 40-48. - Seller-04/08/2026 <br> Open-Housing History Does Not Meet Guideline Requirements 2x30 on primary home late payments from xxxxxx bank. These liens show on title and are reporting on the original credit report as mortgages. - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. Uploaded. See Credit Report (It is a home improvement loan). Rebuttal: Please see closing package pages 40-48. - Seller-04/08/2026<br>| Resolved-Received updated credit report dated prior to disbursement reflecting 0x30 for the 2nd lien. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 29.36<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 725 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862089 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-30 10:59 | 2026-06-08 17:13 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/30/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759<br>Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862089 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-31 17:30 | 2026-04-28 17:38 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Waiver applied to DTI finding with compensating factors. - Due Diligence Vendor-04/28/2026 <br> Counter-Pending DTI resolution. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Seller-04/17/2026 <br> Counter-Received bank statements. Missing supporting income documentation for large deposit and DTI > 50.00% - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/15/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. B1 Provide April and December 2025.<br> B2 Provide December 2025. <br> Large deposit of $7,609.50 to be verified as income<br> - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. - Seller-04/17/2026<br>| Resolved-Waiver applied to DTI finding with compensating factors. - Due Diligence Vendor-04/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759<br>Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862089 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-31 15:59 | 2026-04-28 17:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client waiver applied to non-material finding with compensating factors. Exception for a 50.30% DTI, max 50%. - Due Diligence Vendor-04/28/2026 <br> Counter-Updated income calculation using additional bank statements provided. DTI currently 50.30%. - Due Diligence Vendor-04/28/2026 <br> Counter-Received 12 months bank statement analysis for B1. Missing confirmation the following deposits are business related 3/10/25 $554.68; 3/31/25 $326.19; 5/15/25 $144.65; 5/20 $72.28; 6/9/25 $1210.98; 6/9/25 $144.65; 7/22/25 $313.53 wepay deposits and are currently omitted from consideration by review. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. - Seller-04/24/2026 <br> Counter-Received business bank statement analysis for B1 reflecting only 11 months considered in calculation. finding remains DTI 51.93% exceeds 50.00%. B1 income is lower $6,725.26 from $7,106 considered on 1003/1008 - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/17/2026 <br> Counter-Received business bank statements. DTI 51.93% exceeds 50.00%. B1 income is lower $6,725.26 from $7,106 considered on 1003/1008 - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/15/2026 <br> Open-Audited DTI of 51.93% exceeds Guideline DTI of 50% - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. - Seller-04/24/2026<br>| Waived-Client waiver applied to non-material finding with compensating factors. Exception for a 50.30% DTI, max 50%. - Due Diligence Vendor-04/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759<br>Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required | $5549 residual<br> 759 fico | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 862089 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-30 19:27 | 2026-04-20 10:56 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received copy of large deposit supporting business income. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Seller-04/17/2026 <br> Counter-Received dec statements. Please provide supporting documentation large $7,609.50 deposit on 3/31/25 is verified as income as included in income calculations. B2 - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/15/2026 <br> Open-Income and Employment Do Not Meet Guidelines Large deposit of $7,609.50 to be verified as income. Supporting docs needed. Additional conditions may apply. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. - Seller-04/17/2026<br>| Resolved-Received copy of large deposit supporting business income. - Due Diligence Vendor-04/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759<br>Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862089 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-30 19:25 | 2026-04-16 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received April and Dec statements for B1 - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. - Seller-04/15/2026 <br> Open-Borrower 1 Business Bank Statements Missing Provide April and December 2025. Additional conditions may apply. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. - Seller-04/15/2026<br>| Resolved-Received April and Dec statements for B1 - Due Diligence Vendor-04/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759<br>Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862089 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-30 19:42 | 2026-04-13 10:22 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received purchase contract addendum confirming furniture does not convey. - Due Diligence Vendor-04/13/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Contract addendum shows furniture is included. Verify value assigned. - Due Diligence Vendor-03/30/2026 |  | Resolved-Received purchase contract addendum confirming furniture does not convey. - Due Diligence Vendor-04/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759<br>Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862089 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-31 17:08 | 2026-04-10 10:47 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC report, Check Completed and Cleared - Due Diligence Vendor-04/10/2026 <br> Open-OFAC Check Not Completed and/or Cleared Missing OFAC Check - Due Diligence Vendor-03/31/2026 |  | Resolved-Received OFAC report, Check Completed and Cleared - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759<br>Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862089 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-30 22:25 | 2026-04-10 10:47 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries, no new debt acquired. - Due Diligence Vendor-04/10/2026 <br> Open-LOX for credit inquiries is missing. Provide LOX for all inquiries in the past 90 days. - Due Diligence Vendor-03/31/2026 |  | Resolved-Received LOX for credit inquiries, no new debt acquired. - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759<br>Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862089 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-31 17:08 | 2026-04-10 10:46 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/10/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-03/31/2026 |  | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759<br>Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862089 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-30 19:25 | 2026-04-07 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Business Bank Statements Missing | Resolved-Received borrower 2 Dec 2025 bank statement - Due Diligence Vendor-04/07/2026 <br> Open-Borrower 2 Business Bank Statements Missing Provide December 2025. Additional conditions may apply. - Due Diligence Vendor-03/31/2026 |  | Resolved-Received borrower 2 Dec 2025 bank statement - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759<br>Months Reserves exceed minimum required - 14.45 Months Reserves exceed 12 months minimum required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862107 | xxxxxx B A | Closed | xxxxxx | 2026-03-26 15:22 | 2026-04-29 12:47 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-03/26/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-03/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.43<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 755 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 862126 | xxxxxx D A | Closed | xxxxxx | 2026-04-23 22:39 | 2026-04-28 10:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Lender response: It hasn't been a full year since the borrower purchased the property. Our calculation method was purchase price x 1.25% / 12 months. We applied this rate to maintain a more conservative calculation. Audit- Lender calculation acceptable. - Due Diligence Vendor-04/28/2026 <br> Open-Missing evidence to support property taxes in the amount of xxxxxx for REO Property xxxxxx. - Due Diligence Vendor-04/24/2026 |  | Resolved-Received Lender response: It hasn't been a full year since the borrower purchased the property. Our calculation method was purchase price x 1.25% / 12 months. We applied this rate to maintain a more conservative calculation. Audit- Lender calculation acceptable. - Due Diligence Vendor-04/28/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.19<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 770 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862144 | xxxxxx D A | Closed | xxxxxx | 2026-04-15 11:06 | 2026-04-23 12:22 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received 1003. Review of Vested Entity documents reflect xxxxxx. - Due Diligence Vendor-04/23/2026 <br> Open-B2's first/last name on green card are flipped on the Note and Mortgage. Missing confirmation of B2's name (and correction of loan documents, if applicable). Additional findings may apply. - Due Diligence Vendor-04/15/2026 |  | Resolved-Received 1003. Review of Vested Entity documents reflect xxxxxx. - Due Diligence Vendor-04/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862144 | xxxxxx D A | Closed | xxxxxx | 2026-04-15 11:24 | 2026-04-22 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower Citizenship Documentation Provided. Lender confirms Borrower is a Permanent Resident Alien. Updated 1003 in file. - Due Diligence Vendor-04/22/2026 <br> Open-Borrower Citizenship Documentation Is Missing Final 1003 notes B2 is xxxxxx but file includes copy of a permanent resident card. Provide documentation supporting B2 is xxxxxx or provide an updated final loan application to reflect the borrower's citizenship documented in file. - Due Diligence Vendor-04/15/2026 |  | Resolved-Borrower Citizenship Documentation Provided. Lender confirms Borrower is a Permanent Resident Alien. Updated 1003 in file. - Due Diligence Vendor-04/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862175 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862183 | xxxxxx C A | Closed | xxxxxx | 2026-03-20 13:06 | 2026-04-10 10:32 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Updated fraud report provided. - Due Diligence Vendor-04/10/2026 <br> Counter-Lender response- Who are we missing? this really should not be coming up. We check everyone that comes up in Data Verify. Audit- Review of Fraud report did not reflect Settlement Agent or Lender - Due Diligence Vendor-03/27/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing the lender. - Due Diligence Vendor-03/20/2026 |  | Resolved-Updated fraud report provided. - Due Diligence Vendor-04/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 796<br>LTV is less than guideline maximum - Required is 70 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862183 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 09:59 | 2026-03-27 15:27 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-Asset 2 not needed, cash out covers reserves. - Due Diligence Vendor-03/27/2026 <br> Counter-Received Lender note borrower cashed out 175k. We don't need to use that bank statement. Please disregard that one and we can just count the other one with two consecutive months. No document provided to confirm cash out. Audit unclear of lender request to "count other one". Finding remains. - Due Diligence Vendor-03/27/2026 <br> Open-Asset 2 Less Than 2 Months Verified Guidelines require 2 month recent months, Acct xxxxxx statement covers 1/9/26 to 2/8/26. Missing additional consecutive month. - Due Diligence Vendor-03/17/2026 |  | Resolved-Asset 2 not needed, cash out covers reserves. - Due Diligence Vendor-03/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 796<br>LTV is less than guideline maximum - Required is 70 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862183 | xxxxxx C A | Closed | xxxxxx | 2026-03-20 13:05 | 2026-03-27 15:00 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-12 month pay history for subject provided. - Due Diligence Vendor-03/27/2026 <br> Counter-Received xxxxxx payment history. Unable to confirm payment due being paid for each payment. - Due Diligence Vendor-03/27/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing the 12 months mortgage history with xxxxxx for the subject property. - Due Diligence Vendor-03/20/2026 |  | Resolved-12 month pay history for subject provided. - Due Diligence Vendor-03/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 796<br>LTV is less than guideline maximum - Required is 70 Borrower has 65 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862192 | xxxxxx C A | Closed | xxxxxx | 2026-05-07 11:53 | 2026-06-08 17:19 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/07/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 10.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 669 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862192 | xxxxxx C A | Closed | xxxxxx | 2026-05-07 11:53 | 2026-06-02 07:25 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received COC's. Finding Resolved. - Due Diligence Vendor-06/02/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-05/07/2026 |  | Resolved-Received COC's. Finding Resolved. - Due Diligence Vendor-06/02/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 10.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 669 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862192 | xxxxxx C A | Closed | xxxxxx | 2026-05-11 18:27 | 2026-05-13 08:56 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received SOS confirm original filing date for B1 self-employment. - Due Diligence Vendor-05/13/2026 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months CPA letter in file does not specify that the borrower has been self-employed as sole owner of his business for at least 24 months. - Due Diligence Vendor-05/11/2026 |  | Resolved-Received SOS confirm original filing date for B1 self-employment. - Due Diligence Vendor-05/13/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 10.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 669 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862192 | xxxxxx C A | Closed | xxxxxx | 2026-05-07 11:53 | 2026-05-13 07:10 | Resolved | 1 - Information C A | Compliance | ComplianceEase | GSE (xxxxxx public guidelines) QM APR Test | Resolved-These are non QM findings. - Due Diligence Vendor-05/13/2026 <br> Open-This loan failed the QM APR test. (xxxxxx Lender Letter 2021-11)The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to xxxxxx unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-05/07/2026 |  | Resolved-These are non QM findings. - Due Diligence Vendor-05/13/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 10.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 669 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862192 | xxxxxx C A | Closed | xxxxxx | 2026-05-07 11:53 | 2026-05-13 07:10 | Resolved | 1 - Information C A | Compliance | ComplianceEase | GSE (xxxxxx public guidelines) QM APR Test | Resolved-These are non QM findings. - Due Diligence Vendor-05/13/2026 <br> Open-This loan failed the QM APR test. (xxxxxx Bulletin 2021-13)The loan exceeds the APR threshold as set forth under the revised qualified mortgage (QM) rule. All loans subject to the revised QM rule are ineligible for sale to xxxxxx unless the loan meets the general QM definition under the revised QM rule. - Due Diligence Vendor-05/07/2026 |  | Resolved-These are non QM findings. - Due Diligence Vendor-05/13/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 10.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 669 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862192 | xxxxxx C A | Closed | xxxxxx | 2026-05-07 11:53 | 2026-05-13 07:10 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | Resolved-These are non QM findings. - Due Diligence Vendor-05/13/2026 <br> Open-This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to (xxxxxx), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 2.25%; orThe note amount for a first lien on a manufactured home is less than (xxxxxx), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 6.5%; orThe note amount for a first lien a non-manufactured home is less than (xxxxxx) but greater than or equal to (xxxxxx), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to (xxxxxx), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount on a first lien a non-manufactured home or a second lien is less than (xxxxxx), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 6.5%. - Due Diligence Vendor-05/07/2026 |  | Resolved-These are non QM findings. - Due Diligence Vendor-05/13/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 10.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 669 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862192 | xxxxxx C A | Closed | xxxxxx | 2026-05-07 11:53 | 2026-05-13 07:10 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | Resolved-These are non QM findings. - Due Diligence Vendor-05/13/2026 <br> Open-This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §1026.43(b)(4), (e)(1))This loan does not qualify for a safe harbor. The loan has an APR of 8.780%. The APR threshold to qualify for a safe harbor is 7.620%.A creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section.Higher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by 1.5 or more percentage points for a first-lien covered transaction, or by 3.5 or more percentage points for a subordinate-lien covered transaction. - Due Diligence Vendor-05/07/2026 |  | Resolved-These are non QM findings. - Due Diligence Vendor-05/13/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 10.87<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 669 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862195 | xxxxxx D A | Closed | xxxxxx | 2026-03-13 11:31 | 2026-03-18 15:53 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review not required, - Due Diligence Vendor-03/13/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. No cash out letter (BP disclosure missing) - Due Diligence Vendor-03/13/2026 |  | Resolved-Upon further review not required, - Due Diligence Vendor-03/13/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 70 Borrower has 65<br>DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.286<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 769 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862195 | xxxxxx D A | Closed | xxxxxx | 2026-03-13 11:11 | 2026-03-18 15:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present. - Due Diligence Vendor-03/13/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose Disclosure required on a cash out transaction - Due Diligence Vendor-03/13/2026 |  | Resolved-The Business Purpose Affidavit Disclosure is Present. - Due Diligence Vendor-03/13/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 70 Borrower has 65<br>DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.286<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 769 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862197 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 862271 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862285 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 11:32 | 2026-04-07 12:33 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received percentage of ownership. - Due Diligence Vendor-04/07/2026 <br> Counter-No additional document received. Client note Uploaded docs including Articles of Inc and Annual report from xxxxxx and Cert of Incumbency to Clarifii as shown as OPEN.. Audit- reviewed loan file, unable to locate. Please reupload. - Due Diligence Vendor-03/31/2026 <br> Counter-Review did not received additional documentation. Please provide Operating Agreement or CPA letter to confirm ownership percentage. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/27/2026 <br> Counter-Received Certificate of Incumbency. Need proof of ownership for xxxxxx. Finding remains. - Due Diligence Vendor-03/27/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing evidence the Borrower/guarantor has the required ownership interest of 25% or greater of the entity holding the account xxxxxx. - Due Diligence Vendor-03/19/2026 |  | Resolved-Received percentage of ownership. - Due Diligence Vendor-04/07/2026<br>| Credit history exceeds minimum required - Credit History = 94 Months Minimum Credit History = 24 Months. 11 tradelines exceed minimum 3 tradelines reporting<br>Qualifying FICO score is at least 20 points above minimum for program - 772 is greater than min required 680 Required is 680 Borrower has 772 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862290 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 862328 | xxxxxx D A C | Closed | xxxxxx | 2026-03-31 09:59 | 2026-06-08 13:25 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-CDA provided and supports value. - Due Diligence Vendor-04/03/2026 <br> Open-Appraisal is Missing All loans must have a second appraisal, xxxxxx CDA, xxxxxx ARR, Commercial BPO or equivalent product or field review evidencing a reasonable appraisal value. - Due Diligence Vendor-03/31/2026 |  | Resolved-CDA provided and supports value. - Due Diligence Vendor-04/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying score 738 min score 700 Required is 700 Borrower has 738<br>LTV is less than guideline maximum - Required is 75 Borrower has 63.64<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.778 min DSCR 0.75 Required is 0.75 Borrower has 1.778 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862328 | xxxxxx D A C | Closed | xxxxxx | 2026-03-30 14:19 | 2026-04-21 12:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Client provided letter from xxxxxx regarding 1031 with a balance of $316782.36 - Due Diligence Vendor-04/03/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/30/2026 |  | Resolved-Client provided letter from xxxxxx regarding 1031 with a balance of $316782.36 - Due Diligence Vendor-04/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - qualifying score 738 min score 700 Required is 700 Borrower has 738<br>LTV is less than guideline maximum - Required is 75 Borrower has 63.64<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.778 min DSCR 0.75 Required is 0.75 Borrower has 1.778 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862328 | xxxxxx D A C | Closed | xxxxxx | 2026-03-31 09:49 | 2026-04-21 12:10 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review the file contains a rent free letter for Brws primary residence. All guideline requirements have been met for a first time investor. - Due Diligence Vendor-04/21/2026 <br> Counter-Provide proof of housing history for xxxxxx. Final 1003 reflects Rent for past 2 years. VOR required - Due Diligence Vendor-04/03/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12 month housing history on the primary home. - Due Diligence Vendor-03/31/2026 |  | Resolved-After further review the file contains a rent free letter for Brws primary residence. All guideline requirements have been met for a first time investor. - Due Diligence Vendor-04/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying score 738 min score 700 Required is 700 Borrower has 738<br>LTV is less than guideline maximum - Required is 75 Borrower has 63.64<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.778 min DSCR 0.75 Required is 0.75 Borrower has 1.778 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862328 | xxxxxx D A C | Closed | xxxxxx | 2026-03-30 14:09 | 2026-04-03 11:32 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Client provided letter from Trust Exchange that is holding funds on a 1031 tax exchange. They release $110,000 EMD from the 1031 - Due Diligence Vendor-04/03/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-96509.01'. Assets are Insufficient. EMD not verified causing shortage - Due Diligence Vendor-03/31/2026 |  | Resolved-Client provided letter from Trust Exchange that is holding funds on a 1031 tax exchange. They release $110,000 EMD from the 1031 - Due Diligence Vendor-04/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying score 738 min score 700 Required is 700 Borrower has 738<br>LTV is less than guideline maximum - Required is 75 Borrower has 63.64<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.778 min DSCR 0.75 Required is 0.75 Borrower has 1.778 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862342 | xxxxxx C A | Closed | xxxxxx | 2026-04-08 12:02 | 2026-04-14 10:29 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-04/14/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-04/08/2026 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-04/14/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 802 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862494 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 862510 | xxxxxx D A | Closed | xxxxxx | 2026-04-23 23:12 | 2026-04-28 10:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Received CPA Letter. - Due Diligence Vendor-04/28/2026 <br> Open-Missing VVOE dated within 10 days consummation. - Due Diligence Vendor-04/24/2026 |  | Resolved-Received CPA Letter. - Due Diligence Vendor-04/28/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 770 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862510 | xxxxxx D A | Closed | xxxxxx | 2026-04-23 17:16 | 2026-04-28 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-04/28/2026 <br> Open-Borrower 1 Lease Agreements Missing Missing Lease Agreement for REO property at xxxxxx. <br> - Due Diligence Vendor-04/23/2026 |  | Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-04/28/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 770 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862519 | xxxxxx C B A | Closed | xxxxxx | 2026-03-25 06:07 | 2026-06-08 17:12 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML.<br> - Due Diligence Vendor-06/08/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML.<br> - Due Diligence Vendor-06/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722 Required is 700 Borrower has 722<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $18,038.67; minimum required NONE |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862519 | xxxxxx C B A | Closed | xxxxxx | 2026-03-25 16:28 | 2026-03-30 15:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material.<br> - Due Diligence Vendor-03/30/2026 <br> Open-Audited Reserves of 6.34 month(s) are less than Guideline Required Reserves of 12 month(s) Assets Short Reserves: Audited Reserves of 6.34 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-03/25/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material.<br> - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722 Required is 700 Borrower has 722<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 6+ Years – Minimum = 2 Years<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $18,038.67; minimum required NONE | 1 - Residual income more than 2.5x the amount required by guidelines <br> 2 - Self-employed for > 2 years | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 862521 | xxxxxx C A | Closed | xxxxxx | 2026-03-20 15:53 | 2026-04-23 13:22 | Resolved | 1 - Information C A | Credit | Assets | Asset 6 Less Than 2 Months Verified | Resolved-Only 1 mos stmt provided for xxxxxx Bank#xxxxxx (12/11/25-1/10/26). Funds from this acct are not needed for CTC or reserves. Removed xxxxxx from qualifying. - Due Diligence Vendor-04/23/2026 <br> Counter-Received xxxxxx through post close that reflect transfers to/from xxxxxx. Please provide most recent consecutive statement for xxxxxx Additional findings may apply. - Due Diligence Vendor-04/23/2026 <br> Counter-Missing additional consecutive account statements for xxxxxx accounts xxxxxx and xxxxxx. Received duplicate 1/10/26 stmnt received in initial file. - Due Diligence Vendor-03/25/2026 <br> Open-Asset 6 Less Than 2 Months Verified Guides require two months most recent bank statements. Lender to provide an updated bank statement. - Due Diligence Vendor-03/20/2026 |  | Resolved-Only 1 mos stmt provided for xxxxxx Bank xxxxxx (12/11/25-1/10/26). Funds from this acct are not needed for CTC or reserves. Removed xxxxxx from qualifying. - Due Diligence Vendor-04/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723<br>DSCR % greater than 1.20 - Min required is 1, borrower has 1.212 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862521 | xxxxxx C A | Closed | xxxxxx | 2026-03-20 15:53 | 2026-04-23 13:21 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Only 1 mos stmt provided for xxxxxx Bank xxxxxx (12/11/25-1/10/26). Funds from this acct are not needed for CTC or reserves. Removed from qualifying. - Due Diligence Vendor-04/23/2026 <br> Counter-Received duplicate statement dated 1/10/26. Need additional consecutive statement for Acct xxxxxx - Due Diligence Vendor-03/25/2026 <br> Open-Asset 1 Less Than 2 Months Verified Guides require two months most recent bank statements. Lender to provide an updated bank statement. - Due Diligence Vendor-03/20/2026 |  | Resolved-Only 1 mos stmt provided for xxxxxx Bank xxxxxx (12/11/25-1/10/26). Funds from this acct are not needed for CTC or reserves. Removed from qualifying. - Due Diligence Vendor-04/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723<br>DSCR % greater than 1.20 - Min required is 1, borrower has 1.212 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862521 | xxxxxx C A | Closed | xxxxxx | 2026-03-20 15:53 | 2026-03-25 11:44 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Less Than 2 Months Verified | Resolved-Received additional consecutive month statement for acct xxxxxx - Due Diligence Vendor-03/25/2026 <br> Open-Asset 4 Less Than 2 Months Verified Guides require two months most recent bank statements. Lender to provide an updated bank statement. - Due Diligence Vendor-03/20/2026 |  | Resolved-Received additional consecutive month statement for acct xxxxxx - Due Diligence Vendor-03/25/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723<br>DSCR % greater than 1.20 - Min required is 1, borrower has 1.212 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862521 | xxxxxx C A | Closed | xxxxxx | 2026-03-20 15:53 | 2026-03-25 11:42 | Resolved | 1 - Information C A | Credit | Assets | Asset 7 Less Than 2 Months Verified | Resolved-Received additional month statement for Asset 7. - Due Diligence Vendor-03/25/2026 <br> Open-Asset 7 Less Than 2 Months Verified Guides require two months most recent bank statements. Lender to provide an updated bank statement. - Due Diligence Vendor-03/20/2026 |  | Resolved-Received additional month statement for Asset 7. - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723<br>DSCR % greater than 1.20 - Min required is 1, borrower has 1.212 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862526 | xxxxxx D A | Closed | xxxxxx | 2026-03-19 08:33 | 2026-04-21 13:30 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received tax preparer letter. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Uploaded. See CPA letter validation.. - Seller-04/16/2026 <br> Counter-Received internet search but no validation. CPA to confirm phone number not required or confirmation of business address and phone number for borrowers schedule C. - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. Uploaded. Google Search Business. - Seller-04/09/2026 <br> Open-Income and Employment Do Not Meet Guidelines Missing - Business phone number verification via Google Search, 411.com or internet is required. Otherwise,<br> CPA must verify the borrower's nature of business and confirm that the business phone number is<br> not required for the type of business being operated by the borrower - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Uploaded. See CPA letter validation.. - Seller-04/16/2026 <br>Ready for Review-Document Uploaded. Uploaded. Google Search Business. - Seller-04/09/2026<br>| Resolved-Received tax preparer letter. - Due Diligence Vendor-04/21/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.7 Required is 49.99 Borrower has 40.7<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Required is 680 Borrower has 703 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862526 | xxxxxx D A | Closed | xxxxxx | 2026-03-18 09:24 | 2026-04-15 16:56 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Alerts summary with cleared alerts. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Uploaded. See Fraud Report. - Seller-04/14/2026 <br> Counter-Received SAM clearance. Missing other confirmation of High Alerts cleared on fraud report. - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. Uploaded. Sam clearance & OFAC. - Seller-04/10/2026 <br> Open-Fraud Report Shows Uncleared Alerts Missing evidence that high alert for potential SAM.gov match for listing agent was cleared. Additional findings may apply. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Uploaded. See Fraud Report. - Seller-04/14/2026 <br>Ready for Review-Document Uploaded. Uploaded. Sam clearance & OFAC. - Seller-04/10/2026<br>| Resolved-Received Alerts summary with cleared alerts. - Due Diligence Vendor-04/15/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.7 Required is 49.99 Borrower has 40.7<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Required is 680 Borrower has 703 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862526 | xxxxxx D A | Closed | xxxxxx | 2026-03-18 09:18 | 2026-04-10 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Please See xxxxxx - Seller-04/09/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing gap/xxxxxx credit report completed with 10 days before or 10 days after note date. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Please See xxxxxx - Seller-04/09/2026<br>| Resolved-Received credit refresh. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.7 Required is 49.99 Borrower has 40.7<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Required is 680 Borrower has 703 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862542 | xxxxxx C A | Closed | xxxxxx | 2026-04-16 10:24 | 2026-06-08 11:51 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received CD . - Due Diligence Vendor-04/23/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-04/16/2026 |  | Resolved-Received CD . - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 730 min score 680. Required is 680 Borrower has 730<br>Qualifying DTI below maximum allowed - DTI 36.88 max 50%. Required is 50 Borrower has 36.88 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 862542 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 13:22 | 2026-04-23 09:08 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/23/2026 <br> Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-04/15/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 730 min score 680. Required is 680 Borrower has 730<br>Qualifying DTI below maximum allowed - DTI 36.88 max 50%. Required is 50 Borrower has 36.88 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 862552 | xxxxxx C A | Closed | xxxxxx | 2026-05-05 17:17 | 2026-05-11 09:42 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received access letter for the business account being used for closing/reserves - Due Diligence Vendor-05/11/2026 <br> Open-Access letter for business bank account to use for reserves for use of this subject property. Letter in file was for previously purchased properties. - Due Diligence Vendor-05/05/2026 |  | Resolved-Received access letter for the business account being used for closing/reserves - Due Diligence Vendor-05/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.31 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862559 | xxxxxx B A | Closed | xxxxxx | 2026-04-16 10:04 | 2026-04-22 11:04 | Resolved | 1 - Information B A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/22/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-04/16/2026 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/22/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.43<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 731 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862579 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 862615 | xxxxxx C A | Closed | xxxxxx | 2026-03-30 11:17 | 2026-04-09 12:11 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM and OFAC clearance. - Due Diligence Vendor-04/09/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Settlement agent to be added to the loan participant report. - Due Diligence Vendor-03/30/2026 |  | Resolved-Received SAM and OFAC clearance. - Due Diligence Vendor-04/09/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Per guideline the minimum is 0.75 Required is 0.75 Borrower has 1.035<br>LTV is less than guideline maximum - Required is 80 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862615 | xxxxxx C A | Closed | xxxxxx | 2026-03-31 06:57 | 2026-04-09 12:09 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received gift wire documentation. - Due Diligence Vendor-04/09/2026 <br> Open-Asset Record 3 Does Not Meet G/L Requirements The file contains a gift letter dated 03/18/2026 in the amount of $110,000.00 indicating funds to be transferred at closing. The file contains an email dated xxxxxx indicating wired funds in the amount of $110,000.00 from a xxxxxx account referencing donor name, however it did not reference the donor account number. In addition, the final closing disclosure dated xxxxxx did not reference the gift of $110,000.00. Per the guidelines when the funds are not transferred prior to settlement, documentation must show that the donor gave the closing agent the gift funds. - Due Diligence Vendor-03/31/2026 |  | Resolved-Received gift wire documentation. - Due Diligence Vendor-04/09/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Per guideline the minimum is 0.75 Required is 0.75 Borrower has 1.035<br>LTV is less than guideline maximum - Required is 80 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862640 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 862643 | xxxxxx C A | Closed | xxxxxx | 2026-03-30 13:53 | 2026-04-28 14:43 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Nothing in guidelines to support the request to source the $50,000 deposit on 3/10/26 into xxxxxx#xxxxxx. The source of a large deposit does not need to be documented as the eligible assets on file are from a xxxxxx and there is no indication this wire was a gift, originated from a financing firm or are net proceeds from a new loan. There are only 4 documented gifts from family and gift letters are in file for each of those. <br> - Due Diligence Vendor-04/28/2026 <br> Counter-Received rebuttal however loan approval requires gift letter for total of $157k. Original finding remains. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Rebuttal: Please waive condition. We are not required to source any large deposits for this program. - Seller-04/22/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements xxxxxx acct#xxxxxx 3/16/2026 reflect a $50K wire transfer on 3/10/2026 from an individual and does not reflect acct recent deposit activity. Per guides xxxxxx; source of a large deposit does not need to be documented if eligible assets are from xxxxxx or brokerage accounts however, a signed gift letter from a donor is required. - Due Diligence Vendor-03/30/2026 | Ready for Review-Rebuttal: Please waive condition. We are not required to source any large deposits for this program. - Seller-04/22/2026<br>| Resolved-Nothing in guidelines to support the request to source the $50,000 deposit on 3/10/26 into xxxxxxxxxxxx. The source of a large deposit does not need to be documented as the eligible assets on file are from a xxxxxx<br> bank and there is no indication this wire was a gift, originated from a financing firm or are net proceeds from a new loan. There are only 4 documented gifts from family and gift letters are in file for each of those. <br> - Due Diligence Vendor-04/28/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731 Required is 680 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.84 Required is 49.99 Borrower has 33.84 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862690 | xxxxxx D A | Closed | xxxxxx | 2026-04-08 20:24 | 2026-05-01 09:41 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-'xxxxxx is the Master HOA name as stated in the legal description on page 247-248 of initial package and the Sub HOA name is xxxxxx, also listed in the legal. - Due Diligence Vendor-05/01/2026 <br> Counter-Received corrected HOA Name xxxxxx. Review is unable to tie the Insured xxxxxx with xxxxxx Please confirm. Please provide corrected Condo Limited Warranty with correct HOA community name. - Due Diligence Vendor-04/29/2026 <br> Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name Condo Master Insurance Policy HOA name xxxxxx. Per Appraisal/Condo Rider HOA name xxxxxx at the Preserve. - Due Diligence Vendor-04/09/2026 |  | Resolved-'The Preserve at xxxxxx is the Master HOA name as stated in the legal description on page 247-248 of initial package and the Sub HOA name is xxxxxx, also listed in the legal. - Due Diligence Vendor-05/01/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 66.98<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.48<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 691 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862690 | xxxxxx D A | Closed | xxxxxx | 2026-04-10 12:01 | 2026-04-29 12:02 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received corrected 1008 and 1003 confirming total HOA dues. - Due Diligence Vendor-04/29/2026 <br> Open-Income and Employment Do Not Meet Guidelines Missing verification of "other" PITIA debt of $152.26 listed on the Loan Application and Transmittal Summary. - Due Diligence Vendor-04/10/2026 |  | Resolved-Received corrected 1008 and 1003 confirming total HOA dues. - Due Diligence Vendor-04/29/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 66.98<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.48<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 691 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862690 | xxxxxx D A | Closed | xxxxxx | 2026-04-10 11:45 | 2026-04-29 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing current budget from HOA | Resolved-Received corrected 1008 and 1003 confirming HOA dues. - Due Diligence Vendor-04/29/2026 <br> Open-Loans file is absent HOA documentation for verification of monthly payment in the amount of $360.00. - Due Diligence Vendor-04/10/2026 |  | Resolved-Received corrected 1008 and 1003 confirming HOA dues. - Due Diligence Vendor-04/29/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 66.98<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.48<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 691 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862694 | xxxxxx C B A | Closed | xxxxxx | 2026-04-16 14:11 | 2026-04-17 08:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Investor waiver applied to non-material finding with compensating factors. Exception approved to exceed exposure. - Due Diligence Vendor-04/17/2026 <br> Open-xxxxxx aggregate exposure to a single borrower and/or household shall not exceed $5,000,000 in current unpaid principal balance (UPB) or ten (10) loans. Request exception to exceed exposure. UPB for all loans is xxxxxx. - Due Diligence Vendor-04/16/2026 |  | Waived-Investor waiver applied to non-material finding with compensating factors. Exception approved to exceed exposure. - Due Diligence Vendor-04/17/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734 | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines, Self-employed for > 10 years, Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 862697 | xxxxxx D A | Closed | xxxxxx | 2026-04-16 09:14 | 2026-04-23 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Received LOE - Due Diligence Vendor-04/23/2026 <br> Open-Missing satisfactory explanation how B2 manages 3 full-time jobs. B2 is employed by an accounting firm and also receives income as a caregiver for two individuals. Additional findings may apply. - Due Diligence Vendor-04/16/2026 |  | Resolved-Received LOE - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.84<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 69.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862697 | xxxxxx D A | Closed | xxxxxx | 2026-04-16 09:51 | 2026-04-23 13:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for B1 - Due Diligence Vendor-04/23/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing a verbal VOE dated no more than 10 calendar days prior to Note date required by Guideline Section 2.8.5.2. Verbal VOE in file is dated xxxxxx, or 7 days after note date. - Due Diligence Vendor-04/16/2026 |  | Resolved-Received VVOE for B1 - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.84<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 69.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862697 | xxxxxx D A | Closed | xxxxxx | 2026-04-16 09:51 | 2026-04-23 13:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VVOEs for B2 - Due Diligence Vendor-04/23/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing 1. Missing a verbal VOE for B2's second job dated no more than 10 calendar days prior to Note date required by Guideline Section 2.8.5.2. VOE in file is dated xxxxxx, or 7 days after note date.<br> 2. Missing a verbal VOE for B2's third job dated no more than 10 calendar days prior to Note date required by Guideline Section 2.8.5.2. VOE in file is dated xxxxxx, or 7 days after note date. - Due Diligence Vendor-04/16/2026 |  | Resolved-Received VVOEs for B2 - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.84<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 69.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862697 | xxxxxx D A | Closed | xxxxxx | 2026-04-16 10:13 | 2026-04-23 12:52 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-04/23/2026 <br> Open-LOX for credit inquiries is missing. Missing LOX for the 03/02/2026 inquiries. - Due Diligence Vendor-04/16/2026 |  | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.84<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 69.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862727 | xxxxxx C B A | Closed | xxxxxx | 2026-03-27 14:28 | 2026-04-29 11:34 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Date Creditor Received Application Validation Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Uploaded. See ICD. - Seller-04/27/2026 <br> Open-This loan failed the TRID initial closing disclosure date and date creditor received application validation test.This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is before the date creditor received the application. Please review the loan data to ensure the dates are in the correct fields. -----Option 2: Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. Uploaded. See ICD. - Seller-04/27/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.8 Required is 49.99 Borrower has 40.8 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862727 | xxxxxx C B A | Closed | xxxxxx | 2026-03-27 13:52 | 2026-03-27 13:52 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/27/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.8 Required is 49.99 Borrower has 40.8 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 862733 | xxxxxx D A C | Closed | xxxxxx | 2026-04-29 12:23 | 2026-06-08 17:23 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/29/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 711 is higher than the required 660 Required is 660 Borrower has 711<br> Verified employment history exceeds guidelines - B1 has owned business for over 45 years. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862733 | xxxxxx D A C | Closed | xxxxxx | 2026-04-30 12:37 | 2026-05-07 09:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Back of i-551 card. - Due Diligence Vendor-05/07/2026 <br> Open-Borrower Citizenship Documentation Is Missing Missing the back of the Permanent Resident card only font of the card. Please provide. - Due Diligence Vendor-04/30/2026 |  | Resolved-Received Back of i-551 card. - Due Diligence Vendor-05/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 711 is higher than the required 660 Required is 660 Borrower has 711<br>Verified employment history exceeds guidelines - B1 has owned business for over 45 years. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862738 | xxxxxx D B A | Closed | xxxxxx | 2026-03-17 11:25 | 2026-05-06 09:25 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Waiver applied to parent finding with comp factors. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. Please see attached Exception - Seller-04/27/2026 <br> Counter-Received Pay History for xxxxxx #xxxxxx – 3 x 30 x 12. Max Housing History per Matrix – 1 x 30 x 12<br> 12/2025 Due – Payment made 1/21/2026<br> 10/2025 Due – Payment made 11/7/2025<br> 8/2025 Due – Payment Made 9/3/25<br> - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Please see attached full history - Seller-04/15/2026 <br> Counter-Pending resolution of the Housing History Finding. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Not a valid Finding, Please escalate this matter for manager review as TPR counters are looping without resolution. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 <br> Counter-Received statements. Missing VOM - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. - Seller-03/19/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing VOM for REO. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached Exception - Seller-04/27/2026 <br> Ready for Review-Document Uploaded. Please see attached full history - Seller-04/15/2026 <br> Ready for Review-Not a valid Finding, Please escalate this matter for manager review as TPR counters are looping without resolution. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 <br> Ready for Review-Document Uploaded. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. - Seller-03/19/2026 | Resolved-Waiver applied to parent finding with comp factors. - Due Diligence Vendor-04/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 738. Required is 680 Borrower has 738<br> LTV is less than guideline maximum - LTV Required is 75% Borrower has 59.59%. Required is 75 Borrower has 59.59<br> Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 28.03%. Required is 50 Borrower has 28.03 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862738 | xxxxxx D B A | Closed | xxxxxx | 2026-03-18 20:14 | 2026-04-27 12:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for 3x30x12 - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. Please see updated exception allowing the loan to close with 3X30 - Seller-04/27/2026 <br> Counter-Received Pay History for xxxxxx #xxxxxx – 3 x 30 x 12. Max Housing History per Matrix – 1 x 30 x 12<br> 12/2025 Due – Payment made 1/21/2026<br> 10/2025 Due – Payment made 11/7/2025<br> 8/2025 Due – Payment Made 9/3/25<br> - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Please see attached full history - Seller-04/15/2026 <br> Counter-Finding remains. Provide VOM for verification of 12 month payment history - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Mtg is All Current - Supporting docs already provided reflect No Principal Balance change due to payments are only for interest, and docs verify No deferred amounts and No / ZERO - Past Due Payment(s) 0.00, Deferred Principal 0.00, Statement shows the $290.72 other fee is including breakdown the amount 140.36 charge was added 1.16, this is not 30 days late, and other fees is for Flood ins payment... these are not 30 day lates. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. Please expedite this to be cleared as soon as possible - Seller-04/03/2026 <br> Counter-Please provide the documentation used to verify paid current since xxxxxx as it was not located in the loan file. We only have 1 statement next due 3/1/2026 and 12 months is required. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Can this please be cleared, Supporting docs reflect ZERO - Past Due Payment(s) 0.00, Deferred Principal 0.00, Statement shows the $290.72 other fee is including breakdown the amount 140.36 charge was added 1.16, this is not 30 days late, and other fees is for Flood ins payment... these are not 30 day lates. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. Please expedite this to be cleared as soon as possible - Seller-03/27/2026 <br> Counter-Received the customer dashboard and mortgage statement dated 2/12/26 from xxxxxx and a mortgage inquiry. Statement reflects fees and other charges in the amount of $290.72. Documents provided do not support the most recent 12 month mortgage history. Verification of the most recent 12 month mortgage history is required. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Not a valid Finding, Please escalate this matter for manager review as TPR counters are looping without resolution. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 <br> Counter-Received Feb statement, mortgage terms. Missing VOM for 12 months acceptable rating. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. - Seller-03/19/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide updated Payment history or VOM for the most recent 12 months for the property xxxxxx. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Please see updated exception allowing the loan to close with 3X30 - Seller-04/27/2026 <br> Ready for Review-Document Uploaded. Please see attached full history - Seller-04/15/2026 <br> Ready for Review-Document Uploaded. Mtg is All Current - Supporting docs already provided reflect No Principal Balance change due to payments are only for interest, and docs verify No deferred amounts and No / ZERO - Past Due Payment(s) 0.00, Deferred Principal 0.00, Statement shows the $290.72 other fee is including breakdown the amount 140.36 charge was added 1.16, this is not 30 days late, and other fees is for Flood ins payment... these are not 30 day lates. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. Please expedite this to be cleared as soon as possible - Seller-04/03/2026 <br> Ready for Review-Can this please be cleared, Supporting docs reflect ZERO - Past Due Payment(s) 0.00, Deferred Principal 0.00, Statement shows the $290.72 other fee is including breakdown the amount 140.36 charge was added 1.16, this is not 30 days late, and other fees is for Flood ins payment... these are not 30 day lates. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. Please expedite this to be cleared as soon as possible - Seller-03/27/2026 <br> Ready for Review-Not a valid Finding, Please escalate this matter for manager review as TPR counters are looping without resolution. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 <br> Ready for Review-Document Uploaded. Lender notes the xxxxxx mtg is an interest only loan type with impounds / an escrow account for taxes and insurance tied to xxxxxx. Please see attached the supporting docs reflect no amounts due, with next payment due of 3.1.2026, All paid current since xxxxxx origination date. - Seller-03/19/2026 | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for 3x30x12 - Due Diligence Vendor-04/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 738. Required is 680 Borrower has 738<br> LTV is less than guideline maximum - LTV Required is 75% Borrower has 59.59%. Required is 75 Borrower has 59.59<br> Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 28.03%. Required is 50 Borrower has 28.03 | \* LTV if 5% Less than Max allowed; 59.59%, max 75%<br> \* DTI +5% below max MAX allowed; 28.03%<br> • Residual income $92,707 per month<br> \* 24+ month credit history exceeds minimum required<br> \* 5+ years in current employment  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 862738 | xxxxxx D B A | Closed | xxxxxx | 2026-03-16 09:48 | 2026-03-20 15:16 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Federal debt or other loan, mortgage, or financial obligation according to the 1003 Declaration | Resolved-Received confirmation loan current - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Borrower provided documentation of delinquent xxxxxx mortgage but recently brought current. Please see attached - Seller-03/19/2026 <br> Open-Delinquent Federal debt or other loan, mortgage, or financial obligation according to the 1003 Declaration. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Borrower provided documentation of delinquent xxxxxx mortgage but recently brought current. Please see attached - Seller-03/19/2026 | Resolved-Received confirmation loan current - Due Diligence Vendor-03/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 738. Required is 680 Borrower has 738<br>LTV is less than guideline maximum - LTV Required is 75% Borrower has 59.59%. Required is 75 Borrower has 59.59<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 28.03%. Required is 50 Borrower has 28.03 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862738 | xxxxxx D B A | Closed | xxxxxx | 2026-03-18 20:30 | 2026-03-18 20:47 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Waived-Loan must be Escrow for Loan Amount of xxxxxx. Escrow Waiver Exception provided\*\*\*Originator exception granted and in file, waiver applied with comp factors… - Due Diligence Vendor-03/19/2026 <br> Open-Loan must be Escrow for Loan Amount of xxxxxx. Escrow Waiver Exception provided\*\*\* - Due Diligence Vendor-03/19/2026 |  | Waived-Loan must be Escrow for Loan Amount of xxxxxx. Escrow Waiver Exception provided\*\*\*Originator exception granted and in file, waiver applied with comp factors… - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 738. Required is 680 Borrower has 738<br> LTV is less than guideline maximum - LTV Required is 75% Borrower has 59.59%. Required is 75 Borrower has 59.59<br> Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 28.03%. Required is 50 Borrower has 28.03 | LTV +5% less than guideline Max<br> DTI +5% Below max Max Allowed. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 862741 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 862753 | xxxxxx C A | Closed | xxxxxx | 2026-03-11 13:41 | 2026-03-26 14:19 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history for primary and subject. Subject was 1x30 at close which meet guidelines. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Please see attached xxxxxx matured xxxxxx - Under xxxxxx and xxxxxx (borrowers on mortgage) \*\*\*\*are not our borrowers,\*\*\*\* xxxxxx And xxxxxx. This Mtg- Closed Out. Lender provided the xxxxxx VOM xxxxxx for xxxxxx showing verified since xxxxxx, never late. Please expedite this to be cleared as soon as possible<br> - Seller-03/25/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026 <br> Counter-Housing history for primary has been met. Per GL 6.7 - Missing 12 months payment history for Subject property with xxxxxx and xxxxxx- For Private Mortgages, provide a fully executed VOM - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Please see attached VOR is not needed due to documentation shows payment history, The housing history requirement has been met. Please clear as soon as possible - Seller-03/17/2026 <br> Counter-Received rent ledger and Processor Cert. Missing VOR to meet guideline requirement 6.7 Housing History- If a borrower is renting their primary residence, a VOR from the landlord is required with no additional documentation (e.g. cancelled checks not required)<br> - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Rents paid documentation has been provided. Please expedite this to be cleared as soon as possible - Seller-03/16/2026 <br> Counter-Per GL 6.7 - Missing 12 months payment history for Subject property. Per Title, loan was with xxxxxx, VOM required. VOR required for Current residence for previous 12 months per same GL - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached payment history - Seller-03/13/2026 <br> Open-Housing History Does Not Meet Guideline Requirements 1. The borrower has been renting his primary residence for the last 2.2 years for $3,343/monthly, per the application. Guidelines state a VOR from the landlord is required with no additional documentation. This requirement has not been met and must be provided. <br> 2. Provide verification of mortgage for the previous 12 months for the subject property<br> - Due Diligence Vendor-03/11/2026 | Ready for Review-Please see attached xxxxxx matured xxxxxx - Under xxxxxx and xxxxxx (borrowers on mortgage) \*\*\*\*are not our borrowers,\*\*\*\* xxxxxx And xxxxxx. This Mtg- Closed Out. Lender provided the xxxxxx VOM xxxxxx for xxxxxx showing verified since xxxxxx, never late. Please expedite this to be cleared as soon as possible<br> - Seller-03/25/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026 <br> Ready for Review-Please see attached VOR is not needed due to documentation shows payment history, The housing history requirement has been met. Please clear as soon as possible - Seller-03/17/2026 <br> Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Rents paid documentation has been provided. Please expedite this to be cleared as soon as possible - Seller-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached payment history - Seller-03/13/2026 | Resolved-Received payment history for primary and subject. Subject was 1x30 at close which meet guidelines. - Due Diligence Vendor-03/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 759 Required is 700 Borrower has 759<br> Months Reserves exceed minimum required - Reserves 24.91 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862770 | xxxxxx C B A | Closed | xxxxxx | 2026-03-11 16:26 | 2026-03-27 17:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received additional lease for REO xxxxxx. Audited DTI of 49.94% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Please see attached PC 1003. PC 1008 and rental income worksheet. Updated the new payment of $745 from xxxxxx for the property at xxxxxx resulting to a DTI of 49.76% which meets the max 50%DTI allowed. No issues found. Please clear this finding. - Seller-03/25/2026 <br> Ready for Review-Document Uploaded. Per your request, Reviewed the income and REO discrepancies noted in the bulletin board. Please see attached re-calculated rental income worksheet that shows total net rent loss is $264.08. <br> The HOA fee of $445 has been added to Property xxxxxx to reflect the full PITIA. Additionally, the rental income for Property xxxxxx has been updated to reflect xxxxxx units. The property located at xxxxxx consists of an upstairs and downstairs unit, currently rented for $850 and $895, respectively. Supporting lease agreements have been provided.<br> Based on these updates, the recalculated DTI is 48.27%, with total monthly income of $22,939.58 and total monthly liabilities of $11,073.92.<br> Please review and clear this condition.<br> - Seller-03/25/2026 <br> Counter-Income matches, REO's are different. Please review worksheet in Bulletin Board. Also notes from UW state several properties did not include the full PITIA. Current DTI is 53.65% - Due Diligence Vendor-03/18/2026 <br> Ready for Review-I respectfully disagree with the finding that the DTI exceeds 50%.<br>The qualifying income used in the income calculation worksheet is based on the fixed expense ratio provided by the CPA, which is 10%, as evidenced by the CPA letter included in the loan file. Per Section 7.1.1 – Business Bank Statements, a fixed expense ratio provided by a CPA may be used to determine qualifying income.<br>Using the CPA expense factor of 10%, the borrower's qualifying income was calculated at $22,939.58.<br>The total of all monthly liabilities is $11,464.24. When calculating the DTI:<br>$11,464.24 ÷ $22,939.58 = 49.976% DTI<br>This result is below the 50% DTI threshold.<br>Based on the above calculation and supporting CPA documentation already included in the file, the DTI remains within allowable guidelines.<br>Please clear this finding. - Seller-03/16/2026 <br> Ready for Review-Document Uploaded. - Seller-03/16/2026 <br> Counter-Finding remains. Inc worksheet matches UW calculations. DTI still exceeds 50% - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached Income Calculation Worksheet. Please clear this finding. - Seller-03/13/2026 <br> Open-Audited DTI of 53.21% exceeds Guideline DTI of 50%. The DTI exceeds the max allowed of 50%. Income worksheet not provided to determine reason for variance. Provide any additional renewal leases if applicable. Additional findings may apply. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Please see attached PC 1003. PC 1008 and rental income worksheet. Updated the new payment of $745 from xxxxxx for the property at xxxxxx resulting to a DTI of 49.76% which meets the max 50%DTI allowed. No issues found. Please clear this finding. - Seller-03/25/2026 <br> Ready for Review-Document Uploaded. Per your request, Reviewed the income and REO discrepancies noted in the bulletin board. Please see attached re-calculated rental income worksheet that shows total net rent loss is $264.08. <br> The HOA fee of $445 has been added to Property xxxxxx to reflect the full PITIA. Additionally, the rental income for Property xxxxxx has been updated to reflect xxxxxx units. The property located at xxxxxx consists of an xxxxxx unit, currently rented for $850 and $895, respectively. Supporting lease agreements have been provided.<br> Based on these updates, the recalculated DTI is 48.27%, with total monthly income of $22,939.58 and total monthly liabilities of $11,073.92.<br> Please review and clear this condition.<br> - Seller-03/25/2026 <br> Ready for Review-I respectfully disagree with the finding that the DTI exceeds 50%.<br>The qualifying income used in the income calculation worksheet is based on the fixed expense ratio provided by the CPA, which is 10%, as evidenced by the CPA letter included in the loan file. Per Section 7.1.1 – Business Bank Statements, a fixed expense ratio provided by a CPA may be used to determine qualifying income.<br>Using the CPA expense factor of 10%, the borrower's qualifying income was calculated at $22,939.58.<br>The total of all monthly liabilities is $11,464.24. When calculating the DTI:<br>$11,464.24 ÷ $22,939.58 = 49.976% DTI<br>This result is below the 50% DTI threshold.<br>Based on the above calculation and supporting CPA documentation already included in the file, the DTI remains within allowable guidelines.<br>Please clear this finding. - Seller-03/16/2026 <br> Ready for Review-Document Uploaded. - Seller-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached Income Calculation Worksheet. Please clear this finding. - Seller-03/13/2026 | Resolved-Received additional lease for REO xxxxxx. Audited DTI of 49.94% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Borrower has 761 Required is 720 Borrower has 765<br> Months Reserves exceed minimum required - 6 mths reserves req'd. Borrowers have 12.83 mths in reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862770 | xxxxxx C B A | Closed | xxxxxx | 2026-03-11 09:58 | 2026-03-16 08:56 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received Cd xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. DISAGREE- INITAL CD SENT ON xxxxxx, CD SENT xxxxxx & FINAL CD SENT ON xxxxxx- THERE WAS NO APR INCREASE TO CAUSE A NEW THREE-DAY WAIT PERIOD 7.579% TO 7.553% TO 7.589%. THE BORROWER ONLY HAS TO SIGN THE FINAL CD. - Seller-03/13/2026 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. DISAGREE- INITAL CD SENT ON xxxxxx, CD SENT xxxxxx & FINAL CD SENT ON xxxxxx- THERE WAS NO APR INCREASE TO CAUSE A NEW THREE-DAY WAIT PERIOD 7.579% TO 7.553% TO 7.589%. THE BORROWER ONLY HAS TO SIGN THE FINAL CD. - Seller-03/13/2026 | Resolved-Received Cd xxxxxx and xxxxxx. Finding Resolved. - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Borrower has 761 Required is 720 Borrower has 765<br> Months Reserves exceed minimum required - 6 mths reserves req'd. Borrowers have 12.83 mths in reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862770 | xxxxxx C B A | Closed | xxxxxx | 2026-03-11 09:39 | 2026-03-16 08:55 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/13/2026 <br> Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. This Finding is NOT curable - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/13/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Borrower has 761 Required is 720 Borrower has 765<br> Months Reserves exceed minimum required - 6 mths reserves req'd. Borrowers have 12.83 mths in reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862770 | xxxxxx C B A | Closed | xxxxxx | 2026-03-11 09:39 | 2026-03-11 10:56 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/11/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-03/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Borrower has 761 Required is 720 Borrower has 765<br> Months Reserves exceed minimum required - 6 mths reserves req'd. Borrowers have 12.83 mths in reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 862772 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 862777 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862793 | xxxxxx D A | Closed | xxxxxx | 2026-03-17 23:06 | 2026-03-23 11:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Mortgage Statement for REO xxxxxx. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Mortgage statement from 1-2025 to 1-2026 for REO xxxxxx that was uploaded to your system. Taxes and insurance are impounded. No issues found. - Seller-03/19/2026 <br> Open-Missing verification of mortgage payment and if taxes and insurance were escrowed for REO xxxxxx. Only HOA was provided. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Please see attached xxxxxx Mortgage statement from 1-2025 to 1-2026 for REO xxxxxx that was uploaded to your system. Taxes and insurance are impounded. No issues found. - Seller-03/19/2026 | Resolved-Received Mortgage Statement for REO xxxxxx. - Due Diligence Vendor-03/23/2026 | LTV is less than guideline maximum - LTV Required is 85% Borrower has 69.42%. Required is 85 Borrower has 69.42<br> Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 726. Required is 660 Borrower has 726 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862795 | xxxxxx D A C | Closed | xxxxxx | 2026-03-10 09:10 | 2026-04-21 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 4506-C - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/20/2026 <br> Counter-Received Guideline for bank statement. Borrower also used Wage income. 6.1 indicate 4506-C required for all Standard income documentation. Finding remains. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Please escalate this matter for manager review as TPR counters are looping without resolution. NON QM Self employment 24 mo Bank statement and does not require for the 4506C. Please expedite this to be cleared as soon as possible - Seller-03/16/2026 <br> Counter-Finding remains. Borrower was qualified using S/E and Wage income from xxxxxx - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Disagree, not applicable due to Lender notes the loan product used to qualify is a NON QM Self employment 24 mo Bank statement and does not require for the 4506C. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing Missing the executed 4506C. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/20/2026 <br> Ready for Review-Document Uploaded. Please escalate this matter for manager review as TPR counters are looping without resolution. NON QM Self employment 24 mo Bank statement and does not require for the 4506C. Please expedite this to be cleared as soon as possible - Seller-03/16/2026 <br> Ready for Review-Disagree, not applicable due to Lender notes the loan product used to qualify is a NON QM Self employment 24 mo Bank statement and does not require for the 4506C. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 | Resolved-Received 4506-C - Due Diligence Vendor-04/21/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 722 Required is 680 Borrower has 722<br> Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.19 Required is 50 Borrower has 38.19 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862795 | xxxxxx D A C | Closed | xxxxxx | 2026-03-10 09:10 | 2026-03-27 17:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Received WVOE and LOE. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Please see attached, reflects the xxxxxx began xxxxxx, Verified via The Work Number, and Verified via xxxxxx HR Letter by xxxxxx xxxxxx. Please expedite this to be cleared as soon as possible - Seller-03/25/2026 <br> Counter-Per Clients 1003, there are (2) xxxxxx and xxxxxx both showing income. Provide explanation why 1003 is showing 2 xxxxxx employers yet client states there is only (1). VOE letter dated xxxxxx states borrower employed from xxxxxx to present at xxxxxx. Email in file that is a Tentative offer letter for other xxxxxx start date is xxxxxx. Provide Clarification please - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. There is only one xxxxxx, the xxxxxx is an extension to the previous contract, this Verification dated xxxxxx does suffice. Please expedite this to be cleared as soon as possible - Seller-03/16/2026 <br> Counter-Client provided VVOE for xxxxxx that began xxxxxx, missing WVOE or paystub for new position that began xxxxxx. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Borrower has been contacted by the xxxxxx as a xxxxxx and recently received a contract to start on xxxxxx, and VVOE was received xxxxxx reflects as active full time xxxxxx. Also see CPA letter for Self Employment income source. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 <br> Open-Borrower 1 WVOE Missing Missing the updated WVOE or current paystub for new job with the Department of xxxxxx that began xxxxxx. The email provided is dated 10/15/25, and is outdated. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached, reflects the xxxxxx began xxxxxx, Verified via The Work Number, and Verified via xxxxxx HR Letter by xxxxxx xxxxxx. Please expedite this to be cleared as soon as possible - Seller-03/25/2026 <br> Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. There is only one xxxxxx, the xxxxxx is an extension to the previous contract, this Verification dated xxxxxx does suffice. Please expedite this to be cleared as soon as possible - Seller-03/16/2026 <br> Ready for Review-Document Uploaded. Borrower has been contacted by the xxxxxx as a xxxxxx and recently received a contract to start on xxxxxx, and VVOE was received xxxxxx reflects as active full time xxxxxx. Also see CPA letter for Self Employment income source. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 | Resolved-Received WVOE and LOE. - Due Diligence Vendor-03/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 722 Required is 680 Borrower has 722<br> Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.19 Required is 50 Borrower has 38.19 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862795 | xxxxxx D A C | Closed | xxxxxx | 2026-03-10 08:32 | 2026-03-13 11:06 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Client provided Ex A legal description. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/11/2026 <br> Open-The Deed of Trust is Incomplete Missing the Legal Description (Exhibit A) from the Deed of Trust (Mortgage Document). - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/11/2026 | Resolved-Client provided Ex A legal description. - Due Diligence Vendor-03/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 722 Required is 680 Borrower has 722<br> Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.19 Required is 50 Borrower has 38.19 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862795 | xxxxxx D A C | Closed | xxxxxx | 2026-03-10 09:11 | 2026-03-13 11:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Client provided last paystub in 2025 to replace W2 - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Please see attached is the Final 2025 Paystub used in lieu of the 2025 W2. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 <br> Open-Borrower 1 W2/1099 Missing Missing the 2025 W2s. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached is the Final 2025 Paystub used in lieu of the 2025 W2. Please expedite this to be cleared as soon as possible - Seller-03/11/2026 | Resolved-Client provided last paystub in 2025 to replace W2 - Due Diligence Vendor-03/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 722 Required is 680 Borrower has 722<br> Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.19 Required is 50 Borrower has 38.19 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862795 | xxxxxx D A C | Closed | xxxxxx | 2026-03-10 09:54 | 2026-03-13 10:41 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Client agreed w/ UW, updated 1003 and 1008. Ratio's are in line - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Please see attached updated taxes estimated per Sales Price xxxxxx \* 1.25% = xxxxxx/ 12 = xxxxxx - Seller-03/12/2026 <br> Open-Missing proof that the taxes are as low as the Lender calculated on a xxxxxx. Based on the Assessed value X 1.25%, the monthly taxes should be xxxxxx/mth. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached updated taxes estimated per Sales Price xxxxxx \* 1.25% = xxxxxx/ 12 = xxxxxx - Seller-03/12/2026 | Resolved-Client agreed w/ UW, updated 1003 and 1008. Ratio's are in line - Due Diligence Vendor-03/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 722 Required is 680 Borrower has 722<br> Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.19 Required is 50 Borrower has 38.19 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862795 | xxxxxx D A C | Closed | xxxxxx | 2026-03-09 14:39 | 2026-03-13 09:56 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. CURE CD PROVIDED. TOTAL CURE IS $1585 = $1275 FOR THE APPRAISAL FEE AND $310 FOR THE 1004D - Seller-03/12/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $310.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $310.00 (Re-Inspection Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $310.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx.<br> - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. CURE CD PROVIDED. TOTAL CURE IS $1585 = $1275 FOR THE APPRAISAL FEE AND $310 FOR THE 1004D - Seller-03/12/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 722 Required is 680 Borrower has 722<br> Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 38.19 Required is 50 Borrower has 38.19 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862796 | xxxxxx C B A | Closed | xxxxxx | 2026-03-19 14:03 | 2026-06-08 17:11 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/19/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - DTI of 26.51% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 26.51<br> LTV is less than guideline maximum - LTV of 26% is below the maximum of 70% allowed per guidelines Required is 70 Borrower has 26<br> Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 702 which exceeds the minimum of 620 Required is 620 Borrower has 702 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862796 | xxxxxx C B A | Closed | xxxxxx | 2026-03-19 12:31 | 2026-03-19 12:31 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Originator waiver applied to non-material Findings. Future date is due to correct 1003 signed Post-Closing. - Due Diligence Vendor-03/19/2026 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Originator waiver applied to non-material Findings. Future date is due to correct 1003 signed Post-Closing. - Due Diligence Vendor-03/19/2026 | Qualifying DTI below maximum allowed - DTI of 26.51% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 26.51<br> LTV is less than guideline maximum - LTV of 26% is below the maximum of 70% allowed per guidelines Required is 70 Borrower has 26<br> Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 702 which exceeds the minimum of 620 Required is 620 Borrower has 702 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 862797 | xxxxxx D A C | Closed | xxxxxx | 2026-02-18 23:13 | 2026-02-24 14:27 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received secondary valuation. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/23/2026 <br> Counter-Appraisal provided, however we are missing the secondary valuation. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see attached copy - Seller-02/19/2026 <br> Open-Appraisal is Missing - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/23/2026 <br>Ready for Review-Document Uploaded. Please see attached copy - Seller-02/19/2026<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-02/24/2026 | LTV is less than guideline maximum - LTV Required is 70% Borrower has 65%. Required is 70 Borrower has 65<br> Months Reserves exceed minimum required - The Borrower has 28.03 months in reserves; 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862797 | xxxxxx D A C | Closed | xxxxxx | 2026-02-18 11:41 | 2026-02-20 13:09 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, cash out letter is not required. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/19/2026 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Provide Missing cash out letter. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/19/2026<br>| Resolved-Upon further review, cash out letter is not required. - Due Diligence Vendor-02/20/2026 | LTV is less than guideline maximum - LTV Required is 70% Borrower has 65%. Required is 70 Borrower has 65<br> Months Reserves exceed minimum required - The Borrower has 28.03 months in reserves; 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862797 | xxxxxx D A C | Closed | xxxxxx | 2026-02-18 23:08 | 2026-02-20 13:08 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/19/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Signature page and Exhibit A - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/19/2026<br>| Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-02/20/2026 | LTV is less than guideline maximum - LTV Required is 70% Borrower has 65%. Required is 70 Borrower has 65<br> Months Reserves exceed minimum required - The Borrower has 28.03 months in reserves; 6 months required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862799 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862803 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-11 10:32 | 2026-03-31 14:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Transaction histories for xxxxxx and xxxxxx - both after closing date balances. Working backwards here are the following balances:<br>xxxxxx: $6425.71 - $1000 (Deposit) = $5425.71<br> xxxxxx: $6430 - $1500 + $260 + $1000 = $6190 - Due Diligence Vendor-03/31/2026 <br> Counter-Most recent balance confirmed prior to close was on 2/3/2026. Manually calculated the balance as of xxxxxx (disbursement date) the balance is $722.23. Reserves are now calculating at 8.72 months and 9 months are required. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Counter is not valid, The attached docs support sufficient assets used to close, no further docs are required. The Balance is there and it is common practice to back out the deposits dated after the closing to verify loan closed with sufficient assets. Please expedite this to be cleared as soon as possible - Seller-03/27/2026 <br> Counter-Received rebuttal. Finding remains. Balance is not provided per date on printout received. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Disagree, The assets are still documented even if you back out any deposits post funding 3.5.2026.... Please see attached other xxxxxx account xxxxxx for better support of funds and if you backout deposits after 3.52026 you will still see sufficient funds. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 <br> Counter-Subject transaction disbursed on xxxxxx; Unable to utilize xxxxxx account xxxxxx with a transaction history through 3/17/2026. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached the updated funds for xxxxxx acct xxxxxx, assets are sufficient. See updated 1003 & FTC calc - Seller-03/17/2026 <br> Counter-Received 1/22 xxxxxx statement. Review has considered 2/3 balance for both xxxxxx accounts. Finding remains. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx acct xxxxxx BAL $8,506.33 & 9527 BAL $358.35 funds and FTC Calc - Seller-03/14/2026 <br> Open-Audited Reserves of 8.69 month(s) are less than Guideline Required Reserves of 9 month(s) Missing proof of required reserves. Currently we are short funds by .50 months. Upon receipt additional conditions may apply. - Due Diligence Vendor-03/11/2026 | Ready for Review-Counter is not valid, The attached docs support sufficient assets used to close, no further docs are required. The Balance is there and it is common practice to back out the deposits dated after the closing to verify loan closed with sufficient assets. Please expedite this to be cleared as soon as possible - Seller-03/27/2026 <br> Ready for Review-Document Uploaded. Disagree, The assets are still documented even if you back out any deposits post funding 3.5.2026.... Please see attached other xxxxxx account xxxxxx for better support of funds and if you backout deposits after 3.52026 you will still see sufficient funds. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached the updated funds for xxxxxx acct xxxxxx, assets are sufficient. See updated 1003 & FTC calc - Seller-03/17/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx acct xxxxxx BAL $8,506.33 & 9527 BAL $358.35 funds and FTC Calc - Seller-03/14/2026 | Resolved-Received Transaction histories for xxxxxx and xxxxxx - both after closing date balances. Working backwards here are the following balances:<br>xxxxxx: $6425.71 - $1000 (Deposit) = $5425.71<br> xxxxxx: $6430 - $1500 + $260 + $1000 = $6190 - Due Diligence Vendor-03/31/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862803 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-11 10:14 | 2026-03-19 15:14 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Updated final 1003 and 1008 were provided. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 <br> Counter-Received HELOC associated with xxxxxx. Final 1003 does not reflect. Provide corrected final 1003 reflecting all encumbrances for REO. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Lender notes the xxxxxx has been verified as not tied to the subject property (See Prelim) and the only other property this could be tied to is the Other REO located at xxxxxx or a slight possibility the Borrowers may have co-signed for the Parents home of which borrower does not own property. Nevertheless, the obligation is already accounted for. No further documentation is need as it does not change the qualifying ratios, We respectfully request that this condition be cleared as soon as possible. - Seller-03/14/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing proof of what property xxxxxx is against. Upon receipt, additional conditions may apply. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 <br> Ready for Review-Lender notes the xxxxxx has been verified as not tied to the subject property (See Prelim) and the only other property this could be tied to is the Other REO located at xxxxxx or a slight possibility the Borrowers may have co-signed for the Parents home of which borrower does not own property. Nevertheless, the obligation is already accounted for. No further documentation is need as it does not change the qualifying ratios, We respectfully request that this condition be cleared as soon as possible. - Seller-03/14/2026 | Resolved-Updated final 1003 and 1008 were provided. - Due Diligence Vendor-03/19/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862803 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-10 14:12 | 2026-03-19 09:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure issued xxxxxx with xxxxxx website. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026 | Resolved-Homeownership Counseling Disclosure issued xxxxxx with xxxxxx website. - Due Diligence Vendor-03/16/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862803 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-11 07:32 | 2026-03-19 09:38 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Lender provided E-Consent tracked by system and must e-consent prior to e-signing, no further docs are required. Please expedite this to be cleared as soon as possible - Seller-03/17/2026 <br> Ready for Review-Document Uploaded. Please see attached E-signed - Seller-03/13/2026 <br> Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-03/11/2026 | Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Lender provided E-Consent tracked by system and must e-consent prior to e-signing, no further docs are required. Please expedite this to be cleared as soon as possible - Seller-03/17/2026 <br> Ready for Review-Document Uploaded. Please see attached E-signed - Seller-03/13/2026 | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/19/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862803 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-10 14:12 | 2026-03-10 14:12 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. <br> - Due Diligence Vendor-03/10/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. <br> - Due Diligence Vendor-03/10/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 862811 | xxxxxx D B A | Closed | xxxxxx | 2026-03-16 14:16 | 2026-03-18 19:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non-material finding with comp factors. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 <br> Open-Audited LTV of 85% exceeds Guideline LTV of 80% Per guides Declining Markets the maximum CLTV is limited to 75% for refinances. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 | Waived-Originator waiver applied to non-material finding with comp factors. - Due Diligence Vendor-03/18/2026 | Long term residence - Long term residence of 6+ years<br>Months Reserves exceed minimum required - Months Reserves 85 months exceed minimum required | Reserves 3+ months above min. 5+ years of employment history. DTI 5% less than max, FICO is 20+ points above min | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 862811 | xxxxxx D B A | Closed | xxxxxx | 2026-03-16 14:16 | 2026-03-18 13:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Received credit report confirming fico 788 - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 <br> Open-Audited FICO of is less than Guideline FICO of 700 Missing credit report - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 | Resolved-Received credit report confirming fico 788 - Due Diligence Vendor-03/18/2026 | Long term residence - Long term residence of 6+ years<br>Months Reserves exceed minimum required - Months Reserves 85 months exceed minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862811 | xxxxxx D B A | Closed | xxxxxx | 2026-03-16 12:27 | 2026-03-18 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received final CD for xxxxxx - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 <br> Open-Missing verification in file of PITIA for the Borrower's investment property also located on xxxxxx, that is closing concurrently with the subject property. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 | Resolved-Received final CD for xxxxxx - Due Diligence Vendor-03/18/2026 | Long term residence - Long term residence of 6+ years<br>Months Reserves exceed minimum required - Months Reserves 85 months exceed minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862811 | xxxxxx D B A | Closed | xxxxxx | 2026-03-16 11:44 | 2026-03-18 13:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received credit report. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 <br> Open-Borrower 1 Credit Report is Missing. The Credit report is missing from the file and must be provided per guideline requirements. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/17/2026 | Resolved-Received credit report. - Due Diligence Vendor-03/18/2026 | Long term residence - Long term residence of 6+ years<br>Months Reserves exceed minimum required - Months Reserves 85 months exceed minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862823 | xxxxxx C A | Closed | xxxxxx | 2026-03-06 12:53 | 2026-03-11 11:15 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client provided Rent fee letter and proof of ownership - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Please see attached, rent free docs - Seller-03/10/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOR or rent free letter for borrower. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. Please see attached, rent free docs - Seller-03/10/2026 | Resolved-Client provided Rent fee letter and proof of ownership - Due Diligence Vendor-03/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 792 Required is 720 Borrower has 792<br> Qualifying DTI below maximum allowed - DTI of 41% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 41.23 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862832 | xxxxxx C A | Closed | xxxxxx | 2026-03-18 13:23 | 2026-04-02 11:01 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. - Seller-03/31/2026 <br> Counter-The Final CD provided in file has the recording fee at $495. Refund should be $20.90. Finding remains. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/25/2026 <br> Counter-Tolerance variance amount for charges that in total cannot increase more than 10% is 20.90. Compliance Ease Report uploaded to Bulletin Board. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-The cure should be $43.70- please advise - Seller-03/25/2026 <br> Ready for Review-The recording fees went from $431 to $425 to $445. Why is the cure $64? Please advise - Seller-03/23/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($495.00) exceed the comparable charges ($431.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees (Recording Fee) increased by $64 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $64, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. <br> - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. - Seller-03/31/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/25/2026 <br> Ready for Review-The cure should be $43.70- please advise - Seller-03/25/2026 <br> Ready for Review-The recording fees went from $431 to $425 to $445. Why is the cure $64? Please advise - Seller-03/23/2026 | Resolved-Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 761 Required is 660 Borrower has 761<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 43.23 Required is 50 Borrower has 43.23<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 68.57 Required is 80 Borrower has 68.57 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862832 | xxxxxx C A | Closed | xxxxxx | 2026-03-20 09:22 | 2026-03-23 14:24 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Client provided Ex A legal description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/20/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description attached to the Mortgage. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/20/2026 | Resolved-Client provided Ex A legal description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 761 Required is 660 Borrower has 761<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 43.23 Required is 50 Borrower has 43.23<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 68.57 Required is 80 Borrower has 68.57 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862834 | xxxxxx D A | Closed | xxxxxx | 2026-03-19 09:39 | 2026-03-24 09:10 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Assets and gift letter with phone number were provided. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/23/2026 <br> Counter-Received Donor letter and Bank statements. Donor letter missing phone number of donor. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. xxxxxx shows ending Balance $258,492.93 as of March 6, 2026, Then Transaction history provided shows continued transactions reflects Wire to xxxxxx escrow on 3.10, and more deposits upto 3.12.2026 updated balance of $65,542.65. see gift funds deposited - Seller-03/19/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-11138.49'. Assets are Insufficient. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/23/2026 <br> Ready for Review-Document Uploaded. xxxxxx shows ending Balance $258,492.93 as of March 6, 2026, Then Transaction history provided shows continued transactions reflects Wire to xxxxxx escrow on 3.10, and more deposits upto 3.12.2026 updated balance of $65,542.65. see gift funds deposited - Seller-03/19/2026 | Resolved-Assets and gift letter with phone number were provided. - Due Diligence Vendor-03/24/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.39<br>Long term residence - Borrower has owned departing residence for 10 years and 4 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862834 | xxxxxx D A | Closed | xxxxxx | 2026-03-18 11:00 | 2026-03-24 09:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Assets and gift letter with phone number were provided. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/23/2026 <br> Counter-Received Donor letter and Bank statements. Donor letter missing phone number of donor. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. xxxxxx shows ending Balance $258,492.93 as of March 6, 2026, Then Transaction history provided shows continued transactions reflects Wire to xxxxxx escrow on 3.10, and more deposits upto 3.12.2026 updated balance of $65,542.65. see gift funds deposited - Seller-03/19/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Verified assets are less than the minimum required per guidelines. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/23/2026 <br> Ready for Review-Document Uploaded. xxxxxx shows ending Balance $258,492.93 as of March 6, 2026, Then Transaction history provided shows continued transactions reflects Wire to xxxxxx escrow on 3.10, and more deposits upto 3.12.2026 updated balance of $65,542.65. see gift funds deposited - Seller-03/19/2026 | Resolved-Assets and gift letter with phone number were provided. - Due Diligence Vendor-03/24/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.39<br>Long term residence - Borrower has owned departing residence for 10 years and 4 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862834 | xxxxxx D A | Closed | xxxxxx | 2026-03-19 09:12 | 2026-03-23 13:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Mortgage statement and property profile. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Lender notes the Credit report verifies the xxxxxx acct xxxxxx, is a xxxxxx Government loan which requires the loan to impound Taxes and Insurance. Also, See attached xxxxxx is serviced by xxxxxx acct xxxxxx reflects escrowed funds. Lastly, please see attached property profile reflect property is SFR not in a community, No HOA. - Seller-03/19/2026 <br> Open-Provide verification that taxes and insurance are escrowed on REO xxxxxx and if there are any HOA fees. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Lender notes the Credit report verifies the xxxxxx acct xxxxxx, is a xxxxxx Government loan which requires the loan to impound Taxes and Insurance. Also, See attached xxxxxx is serviced by xxxxxx acct xxxxxx reflects escrowed funds. Lastly, please see attached property profile reflect property is SFR not in a community, No HOA. - Seller-03/19/2026 | Resolved-Received Mortgage statement and property profile. - Due Diligence Vendor-03/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.39<br>Long term residence - Borrower has owned departing residence for 10 years and 4 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862834 | xxxxxx D A | Closed | xxxxxx | 2026-03-18 07:44 | 2026-03-23 12:46 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/19/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to deed of trust. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/19/2026 | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-03/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.39<br>Long term residence - Borrower has owned departing residence for 10 years and 4 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862838 | xxxxxx D A C | Closed | xxxxxx | 2026-03-20 10:20 | 2026-06-09 13:25 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd LE and COC. Finding resolved. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. THE LE WAS RE-DISCLOSED ON xxxxxx ADDING THE 1004D FEE OF $300- NO CURE IS NEEDED - Seller-03/24/2026 <br> Counter-Received Initial LE - Finding Remains. Zero (0%) tolerance fees increased by $230.00 (Appraisal Re-ionspection fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $230.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx.<br> - Due Diligence Vendor-03/24/2026 <br> Ready for 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 $230.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $19,155.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. THE LE WAS RE-DISCLOSED ON xxxxxx ADDING THE 1004D FEE OF $300- NO CURE IS NEEDED - Seller-03/24/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 | Resolved-Rec'd LE and COC. Finding resolved. - Due Diligence Vendor-03/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862838 | xxxxxx D A C | Closed | xxxxxx | 2026-03-20 10:20 | 2026-06-08 17:01 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved--Loan contains full appraisal and escrows and is compliant with HPML - Due Diligence Vendor-06/08/2026 <br> Ready for Review-THIS LOAN HAS IMPOUNDS AND AN APPRAISAL- HPML IS ALLOWED- PLEASE CLEAR - Seller-03/26/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/20/2026 | Ready for Review-THIS LOAN HAS IMPOUNDS AND AN APPRAISAL- HPML IS ALLOWED- PLEASE CLEAR - Seller-03/26/2026 | Resolved--Loan contains full appraisal and escrows and is compliant with HPML - Due Diligence Vendor-06/08/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862838 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 15:29 | 2026-03-27 17:36 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-After further review, this is an xxxxxx loan and the 4506 is only required on xxxxxx loans per guides. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Please refer to uploaded documents in related finding. - Seller-03/19/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Waiting on income verification docs to validate income. Additional conditions maybe apply. - Due Diligence Vendor-03/17/2026 | Ready for Review-Please refer to uploaded documents in related finding. - Seller-03/19/2026 | Resolved-After further review, this is an xxxxxx loan and the 4506 is only required on xxxxxx loans per guides. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862838 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 15:03 | 2026-03-27 17:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-After further review, this is an xxxxxx loan and the 4506 is only required on xxxxxx loans per guides. - Due Diligence Vendor-03/27/2026 <br> Counter-Borrower 1 has been qualified using wage income from xxxxxx and xxxxxx and xxxxxx. The 4506 requirement is due to the wage income - Due Diligence Vendor-03/20/2026 <br> Ready for Review-We respectfully disagree. per xxxxxx guidelines, 5.1.20 IRS Form 4506-C are only required on xxxxxx loans. The subject loan is a xxxxxx, 24 mo. personal bank statements income verification type. - Seller-03/19/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing Missing executed 4506c. - Due Diligence Vendor-03/17/2026 | Ready for Review-We respectfully disagree. per xxxxxx Non QM guidelines, 5.1.20 IRS Form 4506-C are only required on xxxxxx loans. The subject loan is a xxxxxx, 24 mo. personal bank statements income verification type. - Seller-03/19/2026 | Resolved-After further review, this is an xxxxxx loan and the 4506 is only required on xxxxxx loans per guides. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862838 | xxxxxx D A C | Closed | xxxxxx | 2026-03-20 10:20 | 2026-03-26 14:45 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received LE xxxxxx. Finding is a rounding issues. Finding Resolved. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($6,205.50) does not exceed or equal the comparable sum of specific and non-specific lender credits ($6,206.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 | Resolved-Received LE xxxxxx. Finding is a rounding issues. Finding Resolved. - Due Diligence Vendor-03/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862838 | xxxxxx D A C | Closed | xxxxxx | 2026-03-20 10:20 | 2026-03-24 13:44 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($3,085.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862838 | xxxxxx D A C | Closed | xxxxxx | 2026-03-20 10:20 | 2026-03-24 13:44 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/23/2026 | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-03/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862838 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 15:03 | 2026-03-20 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Per xxxxxx GL 5.1.25, VVOE can be replace with the most recent paystub immediately preceding the Note date - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. In lieu of VVOE, the delivered loan file included xxxxxx paystubs, which is allowed per guidelines if it's within 15 business days of funding. The loan disbursed on xxxxxx. The loan file included xxxxxx paystubs dated 03/05/2026 which is within 15 business days of funding. Please see attached. - Seller-03/19/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Verbal Verifications for xxxxxx for xxxxxx and xxxxxx for xxxxxx completed within 10 days prior to closing (xxxxxx). - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. In lieu of VVOE, the delivered loan file included xxxxxx paystubs, which is allowed per guidelines if it's within 15 business days of funding. The loan disbursed on xxxxxx. The loan file included xxxxxx paystubs dated 03/05/2026 which is within 15 business days of funding. Please see attached. - Seller-03/19/2026 | Resolved-Per xxxxxx GL 5.1.25, VVOE can be replace with the most recent paystub immediately preceding the Note date - Due Diligence Vendor-03/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862838 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 15:24 | 2026-03-20 14:44 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received proof gift funds received by title - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. The gift amount was $108,400.14. Please see attached evidence of receipt of gift funds. - Seller-03/19/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing proof of receipt of gift funds in the amount of $114,259.00. Please provide wire receipt or evidence of certified funds received directly by the escrow agent/settlement agent from the gift donor. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. The gift amount was $108,400.14. Please see attached evidence of receipt of gift funds. - Seller-03/19/2026 | Resolved-Received proof gift funds received by title - Due Diligence Vendor-03/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862838 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 11:57 | 2026-03-20 10:30 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure not received by the borrower 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED- CLOSING DATE IS xxxxxx, NOT xxxxxx. THIS DATE IS SHOWN ON THE FINAL CD - Seller-03/19/2026 <br> Open-Missing initial closing disclosure 3 days prior to closing. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. SEE ATTACHED- CLOSING DATE IS xxxxxx, NOT xxxxxx. THIS DATE IS SHOWN ON THE FINAL CD - Seller-03/19/2026 | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862838 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 10:04 | 2026-03-20 10:16 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 <br> Open-Missing e-Consent. Missing e-Consent, please provide - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 748 Required is 700 Borrower has 748<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 43.71 Required is 50.49 Borrower has 43.71 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862840 | xxxxxx C A | Closed | xxxxxx | 2026-03-06 11:53 | 2026-03-16 10:39 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-Received Master Policy Expiration Date of xxxxxx - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/12/2026 <br> Open-Master Policy Expiration Date of xxxxxx is Prior To the Transaction Date of xxxxxx Missing current Master HOA Condo Policy. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/12/2026 | Resolved-Received Master Policy Expiration Date of xxxxxx - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.66<br>LTV is less than guideline maximum - Required is 80 Borrower has 60 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862840 | xxxxxx C A | Closed | xxxxxx | 2026-03-06 11:53 | 2026-03-16 10:39 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Upon further review, Fidelity coverage is not required - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Fidelity or Employee Dishonestly Insurance is required for condominium projects consisting of more than 20 units; the subject is a xxxxxx-unit xxxxxx project. Fidelity or Employee Dishonestly Insurance is not required. - Seller-03/10/2026 <br> Open-Fidelity Coverage not met. Missing proof from the Master Policy acceptable Fidelity Coverage. - Due Diligence Vendor-03/06/2026 | Ready for Review-Fidelity or Employee Dishonestly Insurance is required for condominium projects consisting of more than 20 units; the subject is a xxxxxx-unit condo project. Fidelity or Employee Dishonestly Insurance is not required. - Seller-03/10/2026 | Resolved-Upon further review, Fidelity coverage is not required - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.66<br>LTV is less than guideline maximum - Required is 80 Borrower has 60 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862840 | xxxxxx C A | Closed | xxxxxx | 2026-03-06 10:01 | 2026-03-11 08:22 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. CORRECTED DOC UPLOADED - Seller-03/10/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Credit Report Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. CORRECTED DOC UPLOADED - Seller-03/10/2026 | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.66<br>LTV is less than guideline maximum - Required is 80 Borrower has 60 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862841 | xxxxxx D A C | Closed | xxxxxx | 2026-03-19 11:07 | 2026-03-27 10:20 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received proof of second lien payment. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Provide Missing Mortgage Statement for Property d see worksheet, in the amount of xxxxxx. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 | Resolved-Received proof of second lien payment. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.65 Required is 80 Borrower has 62.65 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862841 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 14:29 | 2026-03-26 15:05 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-PCCD received. Finding resolved. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. - Seller-03/24/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($700.00) exceed the comparable charges ($400.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees (Recording Fee) increased by $300.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $260.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. - Seller-03/24/2026 | Resolved-PCCD received. Finding resolved. - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.65 Required is 80 Borrower has 62.65 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862841 | xxxxxx D A C | Closed | xxxxxx | 2026-03-18 13:07 | 2026-03-23 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Mortgage statement for Second Lien. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 <br> Open-Provide Missing Mortgage Statement for Property d see worksheet, in the amount of xxxxxx.; Change QM to Pending Status. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 | Resolved-Received Mortgage statement for Second Lien. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.65 Required is 80 Borrower has 62.65 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862841 | xxxxxx D A C | Closed | xxxxxx | 2026-03-19 10:41 | 2026-03-23 14:03 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 <br> Open-Trust/POA Does Not Meet Guideline Requirements Missing trust documentation - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026<br>| Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 Required is 660 Borrower has 727<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.65 Required is 80 Borrower has 62.65 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862847 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 14:48 | 2026-06-08 17:05 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML.<br> - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/17/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML.<br> - Due Diligence Vendor-06/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725<br>Months Reserves exceed minimum required - Guidelines require 6 months of reerves. The borrower has 10.48 months of verified reserves. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862847 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 11:47 | 2026-03-31 07:08 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Receipt of $35,000 gift received. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-An ACH credit transfer into borrower's xxxxxx was uploaded with the other documents. Please refer to the previously uploaded Gift pdf. - Seller-03/25/2026 <br> Counter-Received Gift letter and xxxxxx transaction Detail. Unable to confirm receipt. Funds are not noted in borrower's account nor on CD. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. The borrower received $35,000 gift. All other gifts were not required and removed from the transaction. The borrower has the following assets: Gift $35,000, xxxxxx: $29,403.80, xxxxxx 401K @70% $9,860.18, xxxxxx xxxxxx $4,788.50, xxxxxx xxxxxx: $10,134.31. Total verified assets $89,186.79. FTC $53,875.56, reserves $31,972.74. Please see attached assets and revised 1003 and 1008. - Seller-03/24/2026 <br> Open-Asset 5 Does Not Meet Guideline Requirements Provide escrow receipt for gift funds. - Due Diligence Vendor-03/19/2026 | Ready for Review-An ACH credit transfer into borrower's xxxxxx was uploaded with the other documents. Please refer to the previously uploaded Gift pdf. - Seller-03/25/2026 <br> Ready for Review-Document Uploaded. The borrower received $35,000 gift. All other gifts were not required and removed from the transaction. The borrower has the following assets: Gift $35,000, xxxxxx: $29,403.80, xxxxxx 401K @70% $9,860.18, xxxxxx xxxxxx $4,788.50, xxxxxx xxxxxx: $10,134.31. Total verified assets $89,186.79. FTC $53,875.56, reserves $31,972.74. Please see attached assets and revised 1003 and 1008. - Seller-03/24/2026 | Resolved-Receipt of $35,000 gift received. - Due Diligence Vendor-03/31/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725<br>Months Reserves exceed minimum required - Guidelines require 6 months of reerves. The borrower has 10.48 months of verified reserves. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862847 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 11:47 | 2026-03-25 14:39 | Resolved | 1 - Information C A | Credit | Assets | Asset 7 Does Not Meet Guideline Requirements | Resolved-Received updated 1003 on alternate finding removing gift funds - Due Diligence Vendor-03/25/2026 <br> Ready for Review-The borrower received $35,000 gift. All other gifts were not required and removed from the transaction. The borrower has the following assets: Gift $35,000, xxxxxx: $29,403.80, xxxxxx 401K @70% $9,860.18, xxxxxx xxxxxx $4,788.50, xxxxxx xxxxxx: $10,134.31. Total verified assets $89,186.79. FTC $53,875.56, reserves $31,972.74. Please see attached assets and revised 1003 and 1008 in related finding. - Seller-03/24/2026 <br> Open-Asset 7 Does Not Meet Guideline Requirements Provide escrow receipt for gift funds. - Due Diligence Vendor-03/19/2026 | Ready for Review-The borrower received $35,000 gift. All other gifts were not required and removed from the transaction. The borrower has the following assets: Gift $35,000, xxxxxx: $29,403.80, xxxxxx 401K @70% $9,860.18, xxxxxx xxxxxx $4,788.50, xxxxxx xxxxxx: $10,134.31. Total verified assets $89,186.79. FTC $53,875.56, reserves $31,972.74. Please see attached assets and revised 1003 and 1008 in related finding. - Seller-03/24/2026 | Resolved-Received updated 1003 on alternate finding removing gift funds - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725<br>Months Reserves exceed minimum required - Guidelines require 6 months of reerves. The borrower has 10.48 months of verified reserves. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862847 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 11:47 | 2026-03-25 14:39 | Resolved | 1 - Information C A | Credit | Assets | Asset 6 Does Not Meet Guideline Requirements | Resolved-Received updated 1003 on alternate finding removing gift funds - Due Diligence Vendor-03/25/2026 <br> Ready for Review-The borrower received $35,000 gift. All other gifts were not required and removed from the transaction. The borrower has the following assets: Gift $35,000, xxxxxx: $29,403.80, xxxxxx 401K @70% $9,860.18, xxxxxx xxxxxx $4,788.50, xxxxxx xxxxxx: $10,134.31. Total verified assets $89,186.79. FTC $53,875.56, reserves $31,972.74. Please see attached assets and revised 1003 and 1008 in related finding. - Seller-03/24/2026 <br> Open-Asset 6 Does Not Meet Guideline Requirements Provide escrow receipt for gift funds. - Due Diligence Vendor-03/19/2026 | Ready for Review-The borrower received $35,000 gift. All other gifts were not required and removed from the transaction. The borrower has the following assets: Gift $35,000, xxxxxx: $29,403.80, xxxxxx 401K @70% $9,860.18, xxxxxx xxxxxx $4,788.50, xxxxxx xxxxxx: $10,134.31. Total verified assets $89,186.79. FTC $53,875.56, reserves $31,972.74. Please see attached assets and revised 1003 and 1008 in related finding. - Seller-03/24/2026 | Resolved-Received updated 1003 on alternate finding removing gift funds - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725<br>Months Reserves exceed minimum required - Guidelines require 6 months of reerves. The borrower has 10.48 months of verified reserves. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862847 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 11:40 | 2026-03-23 13:29 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Settlement agent to be added to loan participant list. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 | Resolved-Received Fraud report. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725<br>Months Reserves exceed minimum required - Guidelines require 6 months of reerves. The borrower has 10.48 months of verified reserves. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862847 | xxxxxx C A | Closed | xxxxxx | 2026-03-18 12:18 | 2026-03-23 13:26 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12 month payment history for current primary. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026<br>| Resolved-Received VOR. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725<br>Months Reserves exceed minimum required - Guidelines require 6 months of reerves. The borrower has 10.48 months of verified reserves. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862847 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 14:14 | 2026-03-23 09:24 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 <br> Open-Missing e-Consent. Missing proof borrower agreed to electronic documents - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 725<br>Months Reserves exceed minimum required - Guidelines require 6 months of reerves. The borrower has 10.48 months of verified reserves. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862852 | xxxxxx D A | Closed | xxxxxx | 2026-03-18 12:23 | 2026-03-23 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Settlement statement for xxxxxx. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 <br> Open-Missing CD for recent refinance of REO xxxxxx. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026<br>| Resolved-Received Settlement statement for xxxxxx. - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 790 min score 700 Required is 700 Borrower has 790<br>Qualifying DTI below maximum allowed - DTI 43.79% max 50%. Required is 50 Borrower has 43.79 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862852 | xxxxxx D A | Closed | xxxxxx | 2026-03-19 10:27 | 2026-03-23 11:08 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received proof of Feb payment for xxxxxx and xxxxxx - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing pay history for REO xxxxxx and xxxxxx. These were refinanced in December with first payment due in February, program requires no more than 1x30x12 - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026<br>| Resolved-Received proof of Feb payment for xxxxxx and xxxxxx - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 790 min score 700 Required is 700 Borrower has 790<br>Qualifying DTI below maximum allowed - DTI 43.79% max 50%. Required is 50 Borrower has 43.79 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862860 | xxxxxx C A | Closed | xxxxxx | 2026-03-18 13:47 | 2026-03-26 13:07 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received reason for LTV increase. Finding resolved - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/25/2026 <br> Counter-Received COC xxxxxx, same in file. Reason for decrease in lender credits on LE dated xxxxxx identified as LTV increase. Please provide specific reason that LTV increased. Finding countered. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/23/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($33,619.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($56,532.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender credit decreased from $56,532.00 to $33,619.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $22,913.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/25/2026 <br>Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/23/2026<br>| Resolved-Received reason for LTV increase. Finding resolved - Due Diligence Vendor-03/26/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 786<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.69 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862860 | xxxxxx C A | Closed | xxxxxx | 2026-03-18 12:51 | 2026-03-25 12:07 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved by PCCD issued xxxxxx. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. ATTACHED - Seller-03/23/2026 <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. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. ATTACHED - Seller-03/23/2026<br>| Resolved-Resolved by PCCD issued xxxxxx. - Due Diligence Vendor-03/25/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 786<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.69 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862860 | xxxxxx C A | Closed | xxxxxx | 2026-03-18 12:17 | 2026-03-25 11:45 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-consent document, finding resolved. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 <br> Open-Missing e-Consent. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026<br>| Resolved-Received E-consent document, finding resolved. - Due Diligence Vendor-03/25/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 786<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.69 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862868 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 21:46 | 2026-04-17 12:47 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent free letter and proof of ownership of property - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached rent free letter with the corresponding property profile. Please clear this finding. - Seller-04/15/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide Rent free letter from Family Member new living arrangements. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. Please see attached rent free letter with the corresponding property profile. Please clear this finding. - Seller-04/15/2026 | Resolved-Received Rent free letter and proof of ownership of property - Due Diligence Vendor-04/17/2026<br>| Qualifying DTI below maximum allowed - . Required is 50 Borrower has 1.04<br>LTV is less than guideline maximum - . Required is 75 Borrower has 62.3 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862873 | xxxxxx D A C | Closed | xxxxxx | 2026-03-18 13:18 | 2026-03-31 16:28 | Resolved | 1 - Information C A | Property | Property | Loan does not meet Flip transaction requirements | Resolved-After further review, the subject transaction is not considered a flip because the seller purchased the loan as a foreclosure. Guides state exclusions to flip requirements includes sales by the holder of a defaulted loan. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Per your comments "bank foreclosure Contract signed xxxxxx" and See Guideline section 10.9The recent purchase was a bank repossession per appraisal which is also noted on the 1008. These are exempt from the flip rule. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 <br> Open-Loan and does not meet the Flip Transaction requirement and a full 2nd appraisal is required. Seller acquired subj xxxxxx - bank foreclosure Contract signed xxxxxx (this is a Flip Transaction - resold within 180 days a sales price increased more than 10%). It requires a second full appraisal due to seller acquiring in the past 90 days and sales price increasing greater than 10%. - Due Diligence Vendor-03/18/2026 | Ready for Review-Per your comments "bank foreclosure Contract signed xxxxxx" and See Guideline section 10.9The recent purchase was a bank repossession per appraisal which is also noted on the 1008. These are exempt from the flip rule. Please expedite this to be cleared as soon as possible - Seller-03/23/2026 | Resolved-After further review, the subject transaction is not considered a flip because the seller purchased the loan as a foreclosure. Guides state exclusions to flip requirements includes sales by the holder of a defaulted loan. - Due Diligence Vendor-03/31/2026<br>| Months Reserves exceed minimum required - 3 months required - provided 6.03 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 720 Borrower has 780. Required is 720 Borrower has 780 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862873 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 12:46 | 2026-03-30 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VOE. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Please see xxxxxx VVOE attached - Seller-03/27/2026 <br> Counter-Received acceptable VVOE for xxxxxx. Missing for income source 2 xxxxxx - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/23/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide Missing VVOE for Employer 1 and 2 completed within 10 days from closing (xxxxxx). - Due Diligence Vendor-03/17/2026 | Ready for Review-Please see xxxxxx VVOE attached - Seller-03/27/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/23/2026 | Resolved-Received VOE. - Due Diligence Vendor-03/30/2026<br>| Months Reserves exceed minimum required - 3 months required - provided 6.03 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 720 Borrower has 780. Required is 720 Borrower has 780 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862874 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 17:00 | 2026-06-08 17:06 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML.<br> - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/17/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML.<br> - Due Diligence Vendor-06/08/2026 | LTV is less than guideline maximum - LTV 72.38% max 80% LTV. Required is 80 Borrower has 72.38<br>Qualifying DTI below maximum allowed - DTI 41.11% max 50%. Required is 50 Borrower has 41.11 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862874 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 15:26 | 2026-03-23 11:41 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-03/23/2026<br>| LTV is less than guideline maximum - LTV 72.38% max 80% LTV. Required is 80 Borrower has 72.38<br>Qualifying DTI below maximum allowed - DTI 41.11% max 50%. Required is 50 Borrower has 41.11 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862874 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 15:54 | 2026-03-23 09:47 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 <br> Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/23/2026<br>| LTV is less than guideline maximum - LTV 72.38% max 80% LTV. Required is 80 Borrower has 72.38<br>Qualifying DTI below maximum allowed - DTI 41.11% max 50%. Required is 50 Borrower has 41.11 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862876 | xxxxxx D A C | Closed | xxxxxx | 2026-03-13 12:08 | 2026-06-08 16:56 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved--Loan contains full appraisal and escrows and is compliant with HPML - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. --------Statute of limitations – One year; Expiration date: xxxxxx - Due Diligence Vendor-03/13/2026 |  | Resolved--Loan contains full appraisal and escrows and is compliant with HPML - Due Diligence Vendor-06/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 790 which exceeds the minimum of 700 Required is 700 Borrower has 790<br> Qualifying DTI below maximum allowed - DTI of 26.7% is below the maximum allowed per guidelines of 50.49% Required is 50.49 Borrower has 26.7 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862876 | xxxxxx D A C | Closed | xxxxxx | 2026-03-13 11:18 | 2026-03-23 13:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Document Uploaded. Country of origin provided. - Due Diligence Vendor-03/23/2026 <br> Counter-Received screenshot. Must provide proof of Country of Origin with a formal document. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 <br> Counter-Please provide the country of origin for the ITIN borrower. If unable to provide, a waiver to a B is acceptable (no more than 5% of these types of loans in a securitization pool). - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026 <br> Open-Borrower Citizenship Documentation Is Missing Missing citizenship documentation for borrower. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/19/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026<br>| Resolved-Document Uploaded. Country of origin provided. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 790 which exceeds the minimum of 700 Required is 700 Borrower has 790<br>Qualifying DTI below maximum allowed - DTI of 26.7% is below the maximum allowed per guidelines of 50.49% Required is 50.49 Borrower has 26.7 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862876 | xxxxxx D A C | Closed | xxxxxx | 2026-03-16 12:54 | 2026-03-19 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE for borrower. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/18/2026<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 790 which exceeds the minimum of 700 Required is 700 Borrower has 790<br>Qualifying DTI below maximum allowed - DTI of 26.7% is below the maximum allowed per guidelines of 50.49% Required is 50.49 Borrower has 26.7 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862877 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 11:00 | 2026-03-23 11:43 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached Loan Participant Analysis Report. No matches found for Appraiser and Settlement Agent. - Seller-03/19/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser and settlement agent to be added to the loan participant list. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Please see attached Loan Participant Analysis Report. No matches found for Appraiser and Settlement Agent. - Seller-03/19/2026 | Resolved-Received updated fraud report. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 755<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.01 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862877 | xxxxxx C A | Closed | xxxxxx | 2026-03-18 08:07 | 2026-03-23 09:36 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Disagree- the borrower does not need to sign the initial CD unless the APR causes a 3 day wait period - Seller-03/19/2026 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. Disagree- the borrower does not need to sign the initial CD unless the APR causes a 3 day wait period - Seller-03/19/2026 | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 755<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.01 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862877 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 15:07 | 2026-03-23 09:29 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-03/19/2026 <br> Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. UPLOADED - Seller-03/19/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 755<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.01 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862879 | xxxxxx D A C | Closed | xxxxxx | 2026-03-26 10:50 | 2026-04-07 13:11 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received fully executed CD sent through E.docs - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Counter is not valid, All docs were e-signed and LOS tracking history reflects same. - Seller-04/03/2026 <br> Counter-Missing acknowledgement of Initial CD per initial finding - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. - Seller-03/27/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. Counter is not valid, All docs were e-signed and LOS tracking history reflects same. - Seller-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-03/27/2026 | Resolved-Received fully executed CD sent through E.docs - Due Diligence Vendor-04/07/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.01 Required is 50 Borrower has 44.01<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862879 | xxxxxx D A C | Closed | xxxxxx | 2026-03-30 10:26 | 2026-04-01 11:23 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received LOE from Lender that Lender Credit Decreased and points where added due to the change in DIT, but was not listed on the COC. Finding Resolved. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. LOCK AND EXPLANATION ATTACHED - Seller-03/31/2026 <br> Counter-Received CD and COC. COC only references adjustment to DTI. Not to decrease in fees. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. See response on other condition - Seller-03/30/2026 <br> Open-\*\*\*\*NEW\*\*\*\*\* Lender credit decreased from $2,979.20 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $2,979.20, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. LOCK AND EXPLANATION ATTACHED - Seller-03/31/2026 <br> Ready for Review-Document Uploaded. See response on other condition - Seller-03/30/2026 | Resolved-Received LOE from Lender that Lender Credit Decreased and points where added due to the change in DIT, but was not listed on the COC. Finding Resolved. - Due Diligence Vendor-04/01/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.01 Required is 50 Borrower has 44.01<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862879 | xxxxxx D A C | Closed | xxxxxx | 2026-03-30 10:26 | 2026-04-01 11:23 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received LOE from Lender that Lender Credit Decreased and points where added due to the change in DIT, but was not listed on the COC. Finding Resolved. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. LOCK AND EXPLANATION ATTACHED - Seller-03/31/2026 <br> Counter-Received CD and COC. COC only references adjustment to DTI. Not to increase in fees. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. The change from a lender credit of $2979 to a discount of $8420.80 was due to the change in DTI. COC and CD attached - Seller-03/30/2026 <br> Open-\*\*\*\*\*NEW\*\*\*\*\* Zero (0%) tolerance fees increased by $8,420.80 (Discount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $8,420.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. LOCK AND EXPLANATION ATTACHED - Seller-03/31/2026 <br> Ready for Review-Document Uploaded. The change from a lender credit of $2979 to a discount of $8420.80 was due to the change in DTI. COC and CD attached - Seller-03/30/2026 | Resolved-Received LOE from Lender that Lender Credit Decreased and points where added due to the change in DIT, but was not listed on the COC. Finding Resolved. - Due Diligence Vendor-04/01/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.01 Required is 50 Borrower has 44.01<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862879 | xxxxxx D A C | Closed | xxxxxx | 2026-03-23 07:49 | 2026-03-30 10:39 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/27/2026 <br> Counter-Please provide Initial CD as well. finding remains- - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/27/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026<br>| Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-03/30/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.01 Required is 50 Borrower has 44.01<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862879 | xxxxxx D A C | Closed | xxxxxx | 2026-03-23 11:53 | 2026-03-26 13:35 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026 <br> Open-Appraisal is Missing - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026<br>| Resolved-Received Appraisal - Due Diligence Vendor-03/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.01 Required is 50 Borrower has 44.01<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862879 | xxxxxx D A C | Closed | xxxxxx | 2026-03-23 06:51 | 2026-03-24 15:51 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Rec'd E-Consent Agreement acknowledged by borrower. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026 <br> Open-Missing e-Consent. -----E-Consent is missing from loan file. Please provide. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/24/2026<br>| Resolved-Rec'd E-Consent Agreement acknowledged by borrower. - Due Diligence Vendor-03/24/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.01 Required is 50 Borrower has 44.01<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 786 Required is 660 Borrower has 786 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862887 | xxxxxx D B A | Closed | xxxxxx | 2026-04-17 13:06 | 2026-04-17 15:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Guidelines require a Max LTV of 75% for a Condotel. Exception to allow the loan to close with an 80% LTV - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with an 80% LTV - Seller-04/17/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Per the condo questionnaire, the subject is a xxxxxx. Per the xxxxxx matrix the max LTV allowed for a condotel is 75%. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with an 80% LTV - Seller-04/17/2026 | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Guidelines require a Max LTV of 75% for a Condotel. Exception to allow the loan to close with an 80% LTV - Due Diligence Vendor-04/17/2026 | Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 | DTI if 5% Less than Max allowed<br> 3+ months reseves above minimum required<br> FICO score is 20 points above minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 862887 | xxxxxx D B A | Closed | xxxxxx | 2026-03-19 14:17 | 2026-04-17 15:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003 signed/dated - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached 1003 which was sent on 2/19/2026 - Seller-04/17/2026 <br> Counter-Need Initial 1003 that was signed and generated by the MLO. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. please see attached. - Seller-03/26/2026 <br> Counter-Received Initial 1003 without a date. Provide evidence borrower received Initial 1003 with signature date. Finding remains. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/23/2026 <br> Open-The Initial 1003 is Missing ----- The Initial 1003 is Missing - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Please see attached 1003 which was sent on 2/19/2026 - Seller-04/17/2026 <br> Ready for Review-Document Uploaded. please see attached. - Seller-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/23/2026 | Resolved-Received Initial 1003 signed/dated - Due Diligence Vendor-04/17/2026<br>| Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 862887 | xxxxxx D B A | Closed | xxxxxx | 2026-03-23 14:32 | 2026-04-17 12:52 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Property | Resolved-lender provided new guides to be used, and therefore, the finding is no longer valid. - Due Diligence Vendor-04/17/2026 <br> Open-xxxxxx, non-warrantable condo and leaseholds are not eligible properties for the xxxxxx<br> - Due Diligence Vendor-03/23/2026 |  | Resolved-lender provided new guides to be used, and therefore, the finding is no longer valid. - Due Diligence Vendor-04/17/2026 | Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 862887 | xxxxxx D B A | Closed | xxxxxx | 2026-03-23 11:43 | 2026-04-17 12:51 | Resolved | 1 - Information C A | Credit | Eligibility | Leasehold does not meet guideline requirement | Resolved-Lender provided new guides to be used, and therefore, the finding is no longer valid. - Due Diligence Vendor-04/17/2026 <br> Open-Does the leasehold meet guideline requirements? If it does meet the requirements, update the condition status to Rescinded. Leasehold property not eligible for xxxxxx - Due Diligence Vendor-03/23/2026 |  | Resolved-Lender provided new guides to be used, and therefore, the finding is no longer valid. - Due Diligence Vendor-04/17/2026 | Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 862887 | xxxxxx D B A | Closed | xxxxxx | 2026-03-23 14:18 | 2026-04-16 16:17 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing credit documentation. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Please refer to comments and uploaded documents in related finding. - Seller-03/26/2026 <br> Counter-Pending HOA documents for REO. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Please refer to comments and uploaded documents in related finding. - Seller-03/24/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing the lease agreement on one of the properties, HOA dues verification and the DTI is not yet finalized - Due Diligence Vendor-03/23/2026 | Ready for Review-Please refer to comments and uploaded documents in related finding. - Seller-03/26/2026 <br>Ready for Review-Please refer to comments and uploaded documents in related finding. - Seller-03/24/2026<br>| Resolved-Received missing credit documentation. - Due Diligence Vendor-03/30/2026 | Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 862887 | xxxxxx D B A | Closed | xxxxxx | 2026-03-23 11:19 | 2026-03-30 13:23 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM, LOE not required. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-The inquiry is related to the subject transaction and from the same reporting agency. An LOE is not required. - Seller-03/26/2026 <br> Counter-UDM reflect an inquiry dated xxxxxx after initial credit date of 2/17. Provide lox for xxxxxx credit inquiry. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Yes because the Final DV delivered with the loan file had the UDM monitoring started on xxxxxx, which is within 10 days of the Note date. Please review the date the UDM was started and not the report date and clear this finding accordingly. - Seller-03/25/2026 <br> Counter-Received duplicate UDM dated xxxxxx. Please provide updated UDM report. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on xxxxxx, which is within 10 days of the Note date. Please see attached. - Seller-03/23/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-03/23/2026 | Ready for Review-The inquiry is related to the subject transaction and from the same reporting agency. An LOE is not required. - Seller-03/26/2026 <br> Ready for Review-Yes because the Final DV delivered with the loan file had the UDM monitoring started on xxxxxx, which is within 10 days of the Note date. Please review the date the UDM was started and not the report date and clear this finding accordingly. - Seller-03/25/2026 <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on xxxxxx, which is within 10 days of the Note date. Please see attached. - Seller-03/23/2026 | Resolved-Received UDM, LOE not required. - Due Diligence Vendor-03/30/2026 | Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 862887 | xxxxxx D B A | Closed | xxxxxx | 2026-03-23 13:58 | 2026-03-30 13:23 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Per Client, removed rental income. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-The alternate finding was cleared. Neither xxxxxx is a xxxxxx-Unit property and xxxxxx is a SFR, have HOA dues. Please clear this finding as well. - Seller-03/26/2026 <br> Counter-Received 1008 and 1003. Still missing HOA noted on alternate finding. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Rental income is not being used for qualification. Please see attached revised 1003 and 1008. - Seller-03/24/2026 <br> Open-Income 3 Months Income Verified is Missing The file is missing the Lease Agreement for property xxxxxx<br> - Due Diligence Vendor-03/23/2026 | Ready for Review-The alternate finding was cleared. Neither xxxxxx property and xxxxxx is a SFR, have HOA dues. Please clear this finding as well. - Seller-03/26/2026 <br> Ready for Review-Document Uploaded. Rental income is not being used for qualification. Please see attached revised 1003 and 1008. - Seller-03/24/2026 | Resolved-Per Client, removed rental income. - Due Diligence Vendor-03/30/2026 | Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 862887 | xxxxxx D B A | Closed | xxxxxx | 2026-03-19 15:15 | 2026-03-26 17:52 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC, explanation and updated rate lock. Borrower increased loan amount by $60,000 which added discount points and increased Broker compensation, Lender credit decrease is valid, finding resolved. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. - Seller-03/26/2026 <br> Counter-COC needs to specifically state decrease in lender credits and explanation. Finding remains. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. The COC uploaded says that there was a change in loan amount. This is what caused the change in lender credit - lock uploaded - Seller-03/26/2026 <br> Counter-COC provided is for an increase in Compensation. COC is needed for explanation in decrease in lender credits. Going from $2790 to $0. Finding remains. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. attached - Seller-03/24/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($2,790.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $2790 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $2790, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. - Seller-03/26/2026 <br> Ready for Review-Document Uploaded. The COC uploaded says that there was a change in loan amount. This is what caused the change in lender credit - lock uploaded - Seller-03/26/2026 <br> Ready for Review-Document Uploaded. attached - Seller-03/24/2026 | Resolved-Received COC, explanation and updated rate lock. Borrower increased loan amount by xxxxxx which added discount points and increased Broker compensation, Lender credit decrease is valid, finding resolved. - Due Diligence Vendor-03/26/2026 | Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 862887 | xxxxxx D B A | Closed | xxxxxx | 2026-03-23 14:30 | 2026-03-25 14:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation no HOA dues. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please see attached. xxxxxx is a xxxxxx-Unit property and xxxxxx is a SFR, neither one have HOA dues. - Seller-03/23/2026 <br> Open-- Missing verification of any HOA dues for properties xxxxxx<br>- Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. Please see attached. xxxxxx property and xxxxxx is a SFR, neither one have HOA dues. - Seller-03/23/2026 | Resolved-Received confirmation no HOA dues. - Due Diligence Vendor-03/25/2026 | Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 862887 | xxxxxx D B A | Closed | xxxxxx | 2026-03-19 14:36 | 2026-03-23 15:10 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Upon further review, no additional documentation required. - Due Diligence Vendor-03/23/2026 <br> Open-Missing e-Consent. ----- Missing e-Consent. - Due Diligence Vendor-03/19/2026 |  | Resolved-Upon further review, no additional documentation required. - Due Diligence Vendor-03/23/2026 | Qualifying DTI below maximum allowed - Calculated DTI is 22.13%, guideline max is 50.49%.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 769 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 862889 | xxxxxx C B A | Closed | xxxxxx | 2026-03-18 13:46 | 2026-06-08 17:08 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML.<br> - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/18/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML.<br> - Due Diligence Vendor-06/08/2026 | LTV is less than guideline maximum - LTV Required is 90% Borrower has 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 Required is 680 Borrower has 769 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862889 | xxxxxx C B A | Closed | xxxxxx | 2026-03-20 09:33 | 2026-03-31 07:15 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Original value xxxxxx, new value xxxxxx (same appraisal); value on CDA xxxxxx. This is acceptable since the original appraiser lowered value and the desk was done on the appraisal prior to the value reduction. - Due Diligence Vendor-03/31/2026 <br> Counter-Received guideline snip. CDA provided was not completed for appraisal uploaded. Finding remains. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. Disagree, ALL NON QM guidelines have been met. see 10.1.5 requirements of Appraisal report and secondary appraisal review product has been provided. The CDA provided is for the correct xxxxxx appraisal and supports the appraisal value as reviewed at that xxxxxx date. The same appraiser "xxxxxx" provided same revised xxxxxx appraisal report with a lower / decreased value and this is what the UW used to qualify the loan, No further documentation is required since documentation meets and supports the said requirements of which CDA falls under - The following review products are eligible when the primary valuation is a full appraisal: \*\*\*\* Please escalate this matter for manager review as TPR counters are looping without resolution. The lender utilized the most conservative value available for underwriting purposes. Although the xxxxxx appraisal reflects a decrease in value from xxxxxx, an updated CDA is not required, as the revised value does not impact the qualifying parameters or loan eligibility. All ratios, thresholds, and program requirements continue to be met under the lower value. Therefore, the loan remains eligible as structured, and no change to the credit decision or documentation is necessary. Please expedite this to be cleared as soon as possible - Seller-03/27/2026 <br> Counter-The desk review reflects the appraisal value is xxxxxx; however, the appraisal in file reflects a value of xxxxxx. Therefore, original finding remains as the desk review should reflect the accurate appraisal value. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-The lender utilized the most conservative value available for underwriting purposes. Although the xxxxxx appraisal reflects a decrease in value from xxxxxx, an updated CDA is not required, as the revised value does not impact the qualifying parameters or loan eligibility. All ratios, thresholds, and program requirements continue to be met under the lower value. Therefore, the loan remains eligible as structured, and no change to the credit decision or documentation is necessary. - Seller-03/20/2026 <br> Open-Appraisal under review value on desk review does not match appraised value on appraisal report provided - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. Disagree, ALL NON QM guidelines have been met. see 10.1.5 requirements of Appraisal report and secondary appraisal review product has been provided. The CDA provided is for the correct xxxxxx appraisal and supports the appraisal value as reviewed at that xxxxxx date. The same appraiser "xxxxxx" provided same revised xxxxxx appraisal report with a lower / decreased value and this is what the UW used to qualify the loan, No further documentation is required since documentation meets and supports the said requirements of which CDA falls under - The following review products are eligible when the primary valuation is a full appraisal: \*\*\*\* Please escalate this matter for manager review as TPR counters are looping without resolution. The lender utilized the most conservative value available for underwriting purposes. Although the xxxxxx appraisal reflects a decrease in value from xxxxxx, an updated CDA is not required, as the revised value does not impact the qualifying parameters or loan eligibility. All ratios, thresholds, and program requirements continue to be met under the lower value. Therefore, the loan remains eligible as structured, and no change to the credit decision or documentation is necessary. Please expedite this to be cleared as soon as possible - Seller-03/27/2026 <br> Ready for Review-The lender utilized the most conservative value available for underwriting purposes. Although the xxxxxx appraisal reflects a decrease in value from xxxxxx, an updated CDA is not required, as the revised value does not impact the qualifying parameters or loan eligibility. All ratios, thresholds, and program requirements continue to be met under the lower value. Therefore, the loan remains eligible as structured, and no change to the credit decision or documentation is necessary. - Seller-03/20/2026 | Resolved-Original value xxxxxx, new value xxxxxx (same appraisal); value on CDA xxxxxx. This is acceptable since the original appraiser lowered value and the desk was done on the appraisal prior to the value reduction. - Due Diligence Vendor-03/31/2026 | LTV is less than guideline maximum - LTV Required is 90% Borrower has 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 Required is 680 Borrower has 769 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862889 | xxxxxx C B A | Closed | xxxxxx | 2026-03-18 13:46 | 2026-03-25 10:38 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received Final CD with $18 credit applied for Credit Report increase. Upon further review, no addiotnal documentation required. Finding resolved. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. UPLOADED. APPLIED ON THE FINAL CD - Seller-03/23/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $18.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $18 (Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $18, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx.<br> - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. UPLOADED. APPLIED ON THE FINAL CD - Seller-03/23/2026 | Resolved-Received Final CD with $18 credit applied for Credit Report increase. Upon further review, no addiotnal documentation required. Finding resolved. - Due Diligence Vendor-03/25/2026 | LTV is less than guideline maximum - LTV Required is 90% Borrower has 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 Required is 680 Borrower has 769 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862889 | xxxxxx C B A | Closed | xxxxxx | 2026-03-18 13:16 | 2026-03-25 10:29 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received e-consent, finding resolved. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 <br> Open-Missing e-Consent. Missing borrower consent to electronic documents - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026<br>| Resolved-Received e-consent, finding resolved. - Due Diligence Vendor-03/25/2026<br>| LTV is less than guideline maximum - LTV Required is 90% Borrower has 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 Required is 680 Borrower has 769 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862889 | xxxxxx C B A | Closed | xxxxxx | 2026-03-18 22:43 | 2026-03-24 12:13 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-VOR for Borrower 1 was provided. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide Missing Rental History for B1 in the amount of $4,400; additional conditions may apply. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/20/2026<br>| Resolved-VOR for Borrower 1 was provided. - Due Diligence Vendor-03/24/2026<br>| LTV is less than guideline maximum - LTV Required is 90% Borrower has 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 Required is 680 Borrower has 769 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862889 | xxxxxx C B A | Closed | xxxxxx | 2026-03-18 13:16 | 2026-03-18 13:16 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/18/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-03/18/2026 | LTV is less than guideline maximum - LTV Required is 90% Borrower has 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 Required is 680 Borrower has 769 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 862898 | xxxxxx C A | Closed | xxxxxx | 2026-03-18 10:13 | 2026-06-08 17:07 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML.<br> - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/18/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML.<br> - Due Diligence Vendor-06/08/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 44.32 Required is 50.49 Borrower has 44.32 | Originator waiver applied to non material finding with comp factors. Deemed non material | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862898 | xxxxxx C A | Closed | xxxxxx | 2026-03-18 14:03 | 2026-03-23 14:27 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/20/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide missing VOR verifying 12m housing history for borrower's rental of primary residence. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/20/2026<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730 Required is 700 Borrower has 730<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 44.32 Required is 50.49 Borrower has 44.32 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862899 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 15:11 | 2026-03-24 10:02 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-1008 with UW Attestation was provided. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Please see attached PC 1008 - Warrantable Condo. - Seller-03/23/2026 <br> Open-UW Attestation/Docs stating warrantability are missing. Provide UW Attestation/Docs stating condo warrantability. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. Please see attached PC 1008 - Warrantable Condo. - Seller-03/23/2026<br>| Resolved-1008 with UW Attestation was provided. - Due Diligence Vendor-03/24/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.49<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862899 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 11:26 | 2026-03-23 15:01 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Upon further review, no additional documentation required - Due Diligence Vendor-03/23/2026 <br> Open-Missing e-Consent. -----Missing proof e-consent was received and agreed upon by borrower. Non-Curable Finding - Due Diligence Vendor-03/19/2026 |  | Resolved-Upon further review, no additional documentation required - Due Diligence Vendor-03/23/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.49<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862904 | xxxxxx D A | Closed | xxxxxx | 2026-03-16 13:11 | 2026-04-14 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-2/2024 and 3/2024 business bank statements provided. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. Please see attached Feb 2024 and March 2024 Business Bank Statements, Please clear this finding. - Seller-04/11/2026 <br> Open-Borrower 1 Business Bank Statements Missing Missing complete bank statements for Business Account for the months 2/2024 and 3/2024. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see attached Feb 2024 and March 2024 Business Bank Statements, Please clear this finding. - Seller-04/11/2026<br>| Resolved-2/2024 and 3/2024 business bank statements provided. - Due Diligence Vendor-04/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 5.28 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862906 | xxxxxx C B A | Closed | xxxxxx | 2026-03-04 17:19 | 2026-03-06 12:50 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client provide VOR with no lates Housing History Meets Guideline Requirements - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached the VOR reflects Zero Lates for xxxxxx - Seller-03/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOR on current primary residence - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Please see attached the VOR reflects Zero Lates for xxxxxx - Seller-03/05/2026 | Resolved-Client provide VOR with no lates Housing History Meets Guideline Requirements - Due Diligence Vendor-03/06/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 753<br>LTV is less than guideline maximum - Required is 75 Borrower has 60 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862906 | xxxxxx C B A | Closed | xxxxxx | 2026-02-26 14:43 | 2026-03-06 10:57 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-----Received notification of receipt within 3 days of application. finding Resolved. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Disagree, Lender notes the application date is xxxxxx and the initial disclosures were sent on xxxxxx, received and e-signed same date. - Seller-03/05/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. ----- The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. Disagree, Lender notes the application date is xxxxxx and the initial disclosures were sent on xxxxxx, received and e-signed same date. - Seller-03/05/2026 | Resolved-----Received notification of receipt within 3 days of application. finding Resolved. - Due Diligence Vendor-03/06/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 753<br>LTV is less than guideline maximum - Required is 75 Borrower has 60 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862906 | xxxxxx C B A | Closed | xxxxxx | 2026-02-26 14:43 | 2026-03-06 10:57 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. CURE OF $2361 DONE ON FINAL CD- ATTACHED - Seller-03/05/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,316.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $2316 (Appraisal, Appraisal reinspection, and Credit report) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2316, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. CURE OF $2361 DONE ON FINAL CD- ATTACHED - Seller-03/05/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/06/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 753<br>LTV is less than guideline maximum - Required is 75 Borrower has 60 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862906 | xxxxxx C B A | Closed | xxxxxx | 2026-02-26 14:16 | 2026-02-26 15:07 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '11'). Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/26/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '11'). Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/26/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 753<br>LTV is less than guideline maximum - Required is 75 Borrower has 60 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 862907 | xxxxxx C A | Closed | xxxxxx | 2026-03-25 09:39 | 2026-03-27 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/25/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser and settlement agent to be added to the loan participant list. - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/25/2026<br>| Resolved-Received Fraud report. - Due Diligence Vendor-03/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 785 Required is 660 Borrower has 785<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.37<br>LTV is less than guideline maximum - Required is 80 Borrower has 68.11 Required is 80 Borrower has 68.11 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862955 | xxxxxx D A | Closed | xxxxxx | 2026-04-03 14:01 | 2026-04-28 09:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis. - Due Diligence Vendor-04/28/2026 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Provide Lender bank statement worksheet. Additional conditions may apply, pending review. - Due Diligence Vendor-04/03/2026 |  | Resolved-Received business bank statement analysis. - Due Diligence Vendor-04/28/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.22<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 778<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 49.47 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862958 | xxxxxx C B A | Closed | xxxxxx | 2026-05-27 16:44 | 2026-06-01 10:24 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/28/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/27/2026 |  | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/28/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 661<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.23<br>LTV is less than guideline maximum - Required is 70 Borrower has 48 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862958 | xxxxxx C B A | Closed | xxxxxx | 2026-05-27 16:44 | 2026-06-01 10:23 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC and Lock Confirmation listing origination fee change. finding Resolved. - Due Diligence Vendor-06/01/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $120.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----Zero (0%) tolerance fees increased by $120.00 (Loan Origination Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $120.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires xxxxxx (2) within 60 days of discovery expires xxxxxx remains xxxxxx under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: xxxxxx remains xxxxxx - Due Diligence Vendor-05/28/2026 |  | Resolved-Received COC and Lock Confirmation listing origination fee change. finding Resolved. - Due Diligence Vendor-06/01/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 661<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.23<br>LTV is less than guideline maximum - Required is 70 Borrower has 48 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862958 | xxxxxx C B A | Closed | xxxxxx | 2026-05-27 16:05 | 2026-05-27 16:05 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). -----ROR Form H8 acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material findings<br> - Due Diligence Vendor-05/27/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). -----ROR Form H8 acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material findings<br> - Due Diligence Vendor-05/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 661<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.23<br>LTV is less than guideline maximum - Required is 70 Borrower has 48 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 862993 | xxxxxx B A | Closed | xxxxxx | 2026-04-17 09:43 | 2026-04-17 09:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/17/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/17/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.6<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 736 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863007 | xxxxxx D A | Closed | xxxxxx | 2026-03-27 10:14 | 2026-04-03 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Property tax calc provided. Purchase price is xxxxxx (non-ad valorem) = xxxxxx - Due Diligence Vendor-04/03/2026 <br> Counter-Received Lender response-We use county tax assessor to calculate in xxxxxx. Please clear. Audit- Please provide calculation used. Unable to match taxes noted with tax bill information provided. - Due Diligence Vendor-03/31/2026 <br> Open-Missing Evidence of Property Tax Missing lender calculation to match the escrowed amount showing on the settlement statement. The calculation breakdown shows a lower averaged amount. - Due Diligence Vendor-03/27/2026 |  | Resolved-Property tax calc provided. Purchase price is xxxxxx (non-ad valorem) = xxxxxx - Due Diligence Vendor-04/03/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 73.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 754 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863007 | xxxxxx D A | Closed | xxxxxx | 2026-03-26 17:50 | 2026-03-31 11:02 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received update Title. - Due Diligence Vendor-03/31/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Coverage does not meet the loan amount. - Due Diligence Vendor-03/27/2026 |  | Resolved-Received update Title. - Due Diligence Vendor-03/31/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 73.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 754 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863012 | xxxxxx C A | Closed | xxxxxx | 2026-03-23 15:52 | 2026-03-24 14:08 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-After further review, a first-time homebuyer is defined as a borrower who has not owned a residential property at any time during the prior three years. This is a refinance. - Due Diligence Vendor-03/24/2026 <br> Open-First time homebuyers are not eligible for loans originated by xxxxxx. The loan application reflects the borrower has rented at their current residence for the past 2 years and did not indicate they had previously owned a primary residence. Lender to provide documentation verifying the borrower owned a primary residence prior to renting, within the past 3 years. - Due Diligence Vendor-03/23/2026 |  | Resolved-After further review, a first-time homebuyer is defined as a borrower who has not owned a residential property at any time during the prior three years. This is a refinance. - Due Diligence Vendor-03/24/2026 | Months Reserves exceed minimum required - 18 months required (12 months for DSCR < 1 + 6 months for vacant prop on refinance), borrower has 41 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863051 | xxxxxx C B A | Closed | xxxxxx | 2026-05-01 13:19 | 2026-06-05 12:17 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-06/05/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/01/2026 |  | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-06/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.24<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863051 | xxxxxx C B A | Closed | xxxxxx | 2026-05-04 20:15 | 2026-05-27 17:03 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio | Resolved-After further review- as the tradeline is reported under closed accounts with a current balance of $0 and status of paid, this indicates the account has been satisfied with no outstanding balance. Additionally, there is no information on the credit report to indicate the existence of an active or ongoing child support obligation. A review of the title & fraud reports also do not reflect any judgment or lien related to child support. - Due Diligence Vendor-05/27/2026 <br> Counter-Received Lender response: xxxxxx disagrees with condition. Condition is invalid. Please waive this condition. The credit report reflects a child support tradeline reported under closed accounts with a current balance of $0 and status of paid, indicating the account has been satisfied with no outstanding balance. Additionally, there is no information on the credit report to indicate the existence of an active or ongoing child support obligation, nor is there any associated monthly payment requiring inclusion in the borrowers DTI. A review of the title report also does not reflect any judgment or lien related to child support, further supporting that there is no outstanding or delinquent obligation impacting the subject property. As such, there is no recurring liability identified that would require inclusion in the borrowers DTI calculation. AUDIT Response- A zero balance for child support on a credit report generally indicates that you have no arrears (backdated, overdue debt) and are current, but it does not necessarily mean your legal obligation to pay ongoing child support has finished. Provide court order to confirm no on going obligation. Finding remains. - Due Diligence Vendor-05/12/2026 <br> Open-ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio Child support found on credit report. Provide divorce decree to confirm if any obligations are required. - Due Diligence Vendor-05/05/2026 |  | Resolved-After further review- as the tradeline is reported under closed accounts with a current balance of $0 and status of paid, this indicates the account has been satisfied with no outstanding balance. Additionally, there is no information on the credit report to indicate the existence of an active or ongoing child support obligation. A review of the title & fraud reports also do not reflect any judgment or lien related to child support. - Due Diligence Vendor-05/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.24<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863051 | xxxxxx C B A | Closed | xxxxxx | 2026-05-04 19:06 | 2026-05-22 15:33 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received rebuttal. Non-arms length tenant purchasing property. Full purchase contract and no seller concessions noted. CPM in file. - Due Diligence Vendor-05/22/2026 <br> Counter-Received rebuttal regarding arms length. Please refer to section 7 of guidelines. Non-Arms Length Transactions and Eligible Non-Arms length transaction. Finding remains. - Due Diligence Vendor-05/21/2026 <br> Counter-Received Lender response - The appraisal report addresses the overall condition and marketability of the condominium project and indicates no adverse or unusual project characteristics known to the appraiser. Specifically, within the Project Analysis section, the appraiser reports no known special or unusual characteristics impacting value or marketability.<br>Additionally, the appraisal is subject to standard limiting conditions, which state the appraiser is not responsible for matters of a legal nature affecting the property and relies on available information during the appraisal process.<br>Further, the subject project, xxxxxx at xxxxxx., has been reviewed and approved through xxxxxx Project Standards, with an active certification and expiration date of xxxxxx. This approval reflects that the project has undergone a formal review process and meets investor eligibility requirements. <br>There is no indication within the appraisal or project approval documentation of any adverse project conditions impacting value or marketability. As such, the appraisal sufficiently addresses project-level risk from a valuation perspective.<br>Also, The transaction is confirmed to be an arms length transaction.<br>The borrower has provided a signed Letter of Explanation explicitly confirming that there is no relationship between the borrower and the seller. The borrower states that the seller is simply the current owner of the property and no personal, business, or affiliated relationship exists.<br>Additionally, the appraisal report reflects that the transaction was analyzed as an arms length sale within the contract analysis section, with no indication of non-arms length characteristics.<br>There is no documentation in the file indicating any affiliation, shared interest, or relationship between the parties. As such, the transaction meets the definition of an arms length transaction and does not meet criteria for classification as non-arms length. AUDIT- Per lease agreement in file, borrower is currently renting subject property making this a non-arm's length transaction. - Due Diligence Vendor-05/12/2026 <br> Open-Property Issues are identified for the property Appraiser to comment on whether any evidence of pending litigation with HOA and also change to non-arm's length transaction. - Due Diligence Vendor-05/04/2026 |  | Resolved-Received rebuttal. Non-arms length tenant purchasing property. Full purchase contract and no seller concessions noted. CPM in file. - Due Diligence Vendor-05/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.24<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863051 | xxxxxx C B A | Closed | xxxxxx | 2026-05-01 12:30 | 2026-05-01 12:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/01/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/01/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.24<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863077 | xxxxxx C B A | Closed | xxxxxx | 2026-04-30 11:42 | 2026-06-09 11:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow 1099 issued to borrower's LLC and not under individual . Non-material waiver applied with comp factors. Deemed non-material due to income calculated with a 50% expense factor. - Due Diligence Vendor-04/30/2026 <br> Open-1099 in file issued to borrower's LLC name and not them as an individual - Due Diligence Vendor-04/30/2026 |  | Waived-Originator exception granted to allow 1099 issued to borrower's LLC and not under individual . Non-material waiver applied with comp factors. Deemed non-material due to income calculated with a 50% expense factor. - Due Diligence Vendor-04/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 33.29 | Credit Score 30+ points > minimum required<br> Residual income more than 2.5x the amount required by guidelines<br> Reserves exceed requirement by 10 months or more<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Employed in same profession > 5 years | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 863077 | xxxxxx C B A | Closed | xxxxxx | 2026-04-30 11:11 | 2026-06-09 11:07 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Originator exception granted to allow 12 months self employed under same LLC. Non-material waiver applied with comp factors. - Due Diligence Vendor-04/30/2026 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months One year self employed 1099 as a loan officer with current company does not meet 24 months required. - Due Diligence Vendor-04/30/2026 |  | Waived-Originator exception granted to allow 12 months self employed under same LLC. Non-material waiver applied with comp factors. - Due Diligence Vendor-04/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 33.29 | Credit Score 30+ points > minimum required<br> Residual income more than 2.5x the amount required by guidelines<br> Reserves exceed requirement by 10 months or more<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Employed in same profession > 5 years | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 863077 | xxxxxx C B A | Closed | xxxxxx | 2026-04-30 10:11 | 2026-05-07 09:26 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received email from xxxxxx with xxxxxx that indicated Legal description will be recorded with DOT. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. - Buyer-05/06/2026 <br> Counter-Received Legal Description. Please provide chain to confirm legal recorded with Deed of Trust. - Due Diligence Vendor-05/05/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A legal description. - Due Diligence Vendor-04/30/2026 |  | Resolved-Received email from xxxxxx with xxxxxx that indicated Legal description will be recorded with DOT. - Due Diligence Vendor-05/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 33.29 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863077 | xxxxxx C B A | Closed | xxxxxx | 2026-04-29 11:08 | 2026-04-30 14:17 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.029% is within allowable threshold of APOR of 6.37% + 1.75% or 8.12% - Due Diligence Vendor-04/30/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.029% is within allowable threshold of APOR of 6.37% + 1.75% or 8.12% - Due Diligence Vendor-04/29/2026 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.029% is within allowable threshold of APOR of 6.37% + 1.75% or 8.12% - Due Diligence Vendor-04/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 33.29 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863085 | xxxxxx D A | Closed | xxxxxx | 2026-03-11 13:17 | 2026-03-19 13:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Client provided Fraud Report w/ all parties included - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. see attached clear fraud report - Seller-03/17/2026 <br> Open-Third Party Fraud Report Partially Provided All loans must include a third-party fraud detection report for all borrowers. Only B1 & B2 were provided. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. see attached clear fraud report - Seller-03/17/2026<br>| Resolved-Client provided Fraud Report w/ all parties included - Due Diligence Vendor-03/19/2026 | Months Reserves exceed minimum required - 520 months reserves documented, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 795 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863085 | xxxxxx D A | Closed | xxxxxx | 2026-03-11 13:14 | 2026-03-18 08:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. see attached clear fraud , look at page 35 for UDM on all 3 borrowers - Seller-03/17/2026 <br> Open-Borrower 1 Gap Credit Report is Missing A gap credit report is required on all ATR Consumer Purpose and Business Purpose loans within 10 days of<br> closing. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. see attached clear fraud , look at page 35 for UDM on all 3 borrowers - Seller-03/17/2026<br>| Resolved-Received UDM - Due Diligence Vendor-03/18/2026 | Months Reserves exceed minimum required - 520 months reserves documented, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 795 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863085 | xxxxxx D A | Closed | xxxxxx | 2026-03-11 13:14 | 2026-03-18 08:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. see attached. this is a waterfall from previous findings - Seller-03/17/2026 <br> Open-Borrower 2 Gap Credit Report is Missing A gap credit report is required on all ATR Consumer Purpose and Business Purpose loans within 10 days of<br> closing. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. see attached. this is a waterfall from previous findings - Seller-03/17/2026<br>| Resolved-Received UDM - Due Diligence Vendor-03/18/2026 | Months Reserves exceed minimum required - 520 months reserves documented, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 795 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863085 | xxxxxx D A | Closed | xxxxxx | 2026-03-11 13:14 | 2026-03-18 08:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 3 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. see attached , this is a waterfall from the other findings - Seller-03/17/2026 <br> Open-Borrower 3 Gap Credit Report is Missing A gap credit report is required on all ATR Consumer Purpose and Business Purpose loans within 10 days of<br> closing. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. see attached , this is a waterfall from the other findings - Seller-03/17/2026<br>| Resolved-Received UDM - Due Diligence Vendor-03/18/2026 | Months Reserves exceed minimum required - 520 months reserves documented, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 795 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863089 | xxxxxx C A | Closed | xxxxxx | 2026-03-05 12:00 | 2026-03-16 11:48 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED UPDATED FTP , the requirements have been removed - Seller-03/13/2026 <br> Open-Property Title Issue Schedule B Part 1 (Items #12 on Requirements) reflects 2 open Two Mechanic's and Municipal Claims on title. Both in favor of the xxxxxx (xxxxxx for $1344 and xxxxxx for $1344). Final CD does not show these items paid. Please provide documentation that both have been paid in full or cleared and have been removed from title requirements. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. SEE ATTACHED UPDATED FTP , the requirements have been removed - Seller-03/13/2026<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-03/16/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863092 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863093 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 863094 | xxxxxx C A | Closed | xxxxxx | 2026-03-11 15:25 | 2026-03-17 15:53 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. See attached clear fraud report dated 3/9, look at page 38 of the fraud , this is the UDM showing no new credit inquiries. - Seller-03/16/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. See attached clear fraud report dated 3/9, look at page 38 of the fraud , this is the UDM showing no new credit inquiries. - Seller-03/16/2026<br>| Resolved-Received UDM - Due Diligence Vendor-03/17/2026 | Months Reserves exceed minimum required - minimum required is 3 months - provided 30.01 months.<br>LTV is less than guideline maximum - Required is 75 Borrower has 64.46 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863101 | xxxxxx B A | Closed | xxxxxx | 2026-03-11 15:10 | 2026-03-16 12:17 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Waiver applied to non-material findings. Loan closed in entity name. - Due Diligence Vendor-03/16/2026 <br> Open-Property located in xxxxxx and vested in LLC - Due Diligence Vendor-03/11/2026 |  | Waived-Waiver applied to non-material findings. Loan closed in entity name. - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - 721 score exceeds min 6660 Required is 660 Borrower has 721<br>LTV is less than guideline maximum - 54.17 is lower than max 70 Required is 70 Borrower has 54.17 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 863104 | xxxxxx C B A | Closed | xxxxxx | 2026-04-09 13:49 | 2026-04-09 13:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for xxxxxx with a sub-market score below 60. - Due Diligence Vendor-04/09/2026 <br> Open-xxxxxx provided; however, the sub-market score is 54 and the minimum is 60 per the guidelines. - Due Diligence Vendor-04/09/2026 |  | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for xxxxxx with a sub-market score below 60. - Due Diligence Vendor-04/09/2026 | Months Reserves exceed minimum required - No reserves required. Borrower verified 58.74 months of reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 | 745 fico, min 680<br> 58 months of reserves. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 863104 | xxxxxx C B A | Closed | xxxxxx | 2026-03-11 15:28 | 2026-04-09 13:53 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Utilizing STR the DRSC is over 1. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. See correction exception - Seller-03/31/2026 <br> Counter-xxxxxx provided; however, the sub-market score is 54 and the minimum is 60 per the guidelines; Additionally, the guidelines state that a minimum of 3 comps in the same zip code are required; however, this cannot be determined with the xxxxxx provided. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx to Support the figure we used for qualifying. - Seller-03/13/2026 <br> Open-The Calculated DSCR of '0.652' is less than the minimum DSCR per lender guidelines of '0.75'. 0.652 DSCR does not meet minimum DSCR of 0.75. The lender's calculation was not provided. Other findings may apply. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. See correction exception - Seller-03/31/2026 <br>Ready for Review-Document Uploaded. Please see attached xxxxxx to Support the figure we used for qualifying. - Seller-03/13/2026<br>| Resolved-Utilizing STR the DRSC is over 1. - Due Diligence Vendor-04/09/2026 | Months Reserves exceed minimum required - No reserves required. Borrower verified 58.74 months of reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745 | 745 FICO<br> 65% LTV. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863113 | xxxxxx D A | Closed | xxxxxx | 2026-03-16 15:06 | 2026-03-20 09:37 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-03/20/2026 <br> Ready for Review-This is a business purpose loan and we do not require large deposit documentation. - Seller-03/19/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements File contains a wire transfer request form from xxxxxx showing an available balance of $112,498.96. Statement prior ending 02/26/2026 reflects an ending balance of $2897.59. Please provide documentation confirming deposit and LOX for large deposit. Upon receipt additional conditions may apply. - Due Diligence Vendor-03/16/2026 | Ready for Review-This is a business purpose loan and we do not require large deposit documentation. - Seller-03/19/2026<br>| Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-03/20/2026 | DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.003 Required is 0.75 Borrower has 1.003<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 704 Required is 600 Borrower has 704 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863113 | xxxxxx D A | Closed | xxxxxx | 2026-03-13 19:15 | 2026-03-20 09:35 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Reserves are not required. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. see attached page 88 of our guidelines regarding reserves. please clear - Seller-03/19/2026 <br> Open-Audited Reserves of 5.81 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. see attached page 88 of our guidelines regarding reserves. please clear - Seller-03/19/2026<br>| Resolved-Reserves are not required. - Due Diligence Vendor-03/20/2026 | DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.003 Required is 0.75 Borrower has 1.003<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 704 Required is 600 Borrower has 704 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863113 | xxxxxx D A | Closed | xxxxxx | 2026-03-13 17:08 | 2026-03-19 16:08 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Upon further review, the loan file contained all require PUD documentation within security instrument - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. PUD RIDER IS BUILT IN THE DEED. SEE ATTACHED AND LOOK AT PAGE 20, LINE 38. - Seller-03/17/2026 <br> Open-PUD Rider is Missing - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. PUD RIDER IS BUILT IN THE DEED. SEE ATTACHED AND LOOK AT PAGE 20, LINE 38. - Seller-03/17/2026 | Resolved-Upon further review, the loan file contained all require PUD documentation within security instrument - Due Diligence Vendor-03/19/2026 | DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.003 Required is 0.75 Borrower has 1.003<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 704 Required is 600 Borrower has 704 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863119 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-16 10:17 | 2026-06-08 16:59 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved--Loan contains full appraisal and escrows and is compliant with HPML - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/16/2026 |  | Resolved--Loan contains full appraisal and escrows and is compliant with HPML - Due Diligence Vendor-06/08/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705<br>Long term residence - Borrower has owned the primary residence for 8 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863119 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-16 19:44 | 2026-05-05 08:01 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Waived-Originator provided a waiver non-sourcing/explanation of $52,157.74 on 2/5/26, applied to non material finding with reviewed comp factors - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. see attached exception - Seller-05/04/2026 <br> Counter-Deposit in question is out of the norm based on previous deposits into the xxxxxx xxxxxx. Provide documentation to support that the deposit in the amount of $52157.74 is income related - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. The deposit of $52,157.74 into xxxxxx xxxxxx business account for xxxxxx is already calculated as business income by the reviewer please see the reviewer's worksheet. - Seller-04/16/2026 <br> Counter-Received rebuttal not applicable. Please provide documentation supporting deposit xxxxxx xxxxxx: Deposit of $52,157.74 on 2/5/26 is income related meeting guideline requirements 8.2.1. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Not applicable. Please clear - Seller-04/14/2026 <br> Open-xxxxxx xxxxxx: Deposit of $52,157.74 on 2/5/26 to be verified as income. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. see attached exception - Seller-05/04/2026 <br> Ready for Review-Document Uploaded. The deposit of $52,157.74 into xxxxxx xxxxxx business account for xxxxxx is already calculated as business income by the reviewer please see the reviewer's worksheet. - Seller-04/16/2026 <br> Ready for Review-Not applicable. Please clear - Seller-04/14/2026 | Waived-Originator provided a waiver non-sourcing/explanation of $52,157.74 on 2/5/26, applied to non material finding with reviewed comp factors - Due Diligence Vendor-05/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705<br>Long term residence - Borrower has owned the primary residence for 8 years. | Required FICO 680 Borrower has 705<br> Borrower has owned the primary residence for 8 years. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 863119 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-18 06:10 | 2026-04-28 16:57 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-After further review, the lenders guidelines are silent and we can refer to xxxxxx, which allows an access letter to use 100% of the funds. - Due Diligence Vendor-04/28/2026 <br> Counter-Received rebuttal sufficient assets. Review is unable to validate sufficient funds for closing meeting guidelines 10.3.2 and 10.3.1. Borrower is not 100% owner of either businesses and no additional assets provided $53,130.31 validated. Original finding remains. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Sufficient assets to cover the down payment are sourced. Please clear - Seller-04/14/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-49730.83'. Assets are Insufficient. Guidelines state Business assets are an acceptable source of funds for down payment, closing costs, and reserves for self-employed borrowers based on their ownership percentage. - Due Diligence Vendor-03/18/2026 | Ready for Review-Sufficient assets to cover the down payment are sourced. Please clear - Seller-04/14/2026<br>| Resolved-After further review, the lenders guidelines are silent and we can refer to xxxxxx, which allows an access letter to use 100% of the funds. - Due Diligence Vendor-04/28/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705<br>Long term residence - Borrower has owned the primary residence for 8 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863119 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-18 05:53 | 2026-04-22 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received mtg statement for xxxxxx - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. Attached is the correct mortgage statement for xxxxxx - Seller-04/21/2026 <br> Counter-Reviewed documents provided however none are related to REO xxxxxx. Finding remains - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. see attached mtg statement for xxxxxx - Seller-04/16/2026 <br> Counter-Received mtg statement for xxxxxx confirming escrowed. Missing mtg statement for xxxxxx confirm escrows included. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. PLEASE SEE ATTACHED Copies of the mortgage statements and evidence of HOA for property xxxxxx and xxxxxx on the URLA. - Seller-04/15/2026 <br> Open-Provide mortgage statements for properties xxxxxx and xxxxxx to verify taxes and insurance are included in the monthly payment. Additional conditions may apply. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. Attached is the correct mortgage statement for xxxxxx - Seller-04/21/2026 <br> Ready for Review-Document Uploaded. see attached mtg statement for xxxxxx - Seller-04/16/2026 <br> Ready for Review-Document Uploaded. PLEASE SEE ATTACHED Copies of the mortgage statements and evidence of HOA for property xxxxxx and xxxxxx on the URLA. - Seller-04/15/2026 | Resolved-Received mtg statement for xxxxxx - Due Diligence Vendor-04/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705<br>Long term residence - Borrower has owned the primary residence for 8 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863119 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-18 06:19 | 2026-04-20 13:43 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable, DTI updated - Due Diligence Vendor-04/14/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds the guideline maximum. - Due Diligence Vendor-03/18/2026 |  | Resolved-The Final Reviewed QM Status is acceptable, DTI updated - Due Diligence Vendor-04/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705<br>Long term residence - Borrower has owned the primary residence for 8 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863119 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-16 11:21 | 2026-04-16 08:08 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. see page 6 of the attached. borrower consented - Seller-04/15/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD xxxxxx is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. see page 6 of the attached. borrower consented - Seller-04/15/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705<br>Long term residence - Borrower has owned the primary residence for 8 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863119 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-16 21:19 | 2026-04-14 14:17 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Upon further review - there was over $28,000 in deposits that were not captured originally on Audit Worksheet. Updated and DTI < 50%. - Due Diligence Vendor-04/14/2026 <br> Counter-Please refer to the Reviewed Income work sheet located in the Bulletin Board. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Why is Clarifii using $53,000.97 instead of $53,802.20 as shown on the worksheets provided. Please clear or escalate. xxxxxx - Seller-03/30/2026 <br> Counter-Received worksheets for both accounts for xxxxxx reflecting Feb 2025- Jan 2026. Review has updated dates and income total for both accounts $53,000.97. DTI 50.25%>50.00% - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. see two screenshots attached . The auditor missed the 2nd set of income. highlighted are the two different accounts on the same statement. Adding the two qualifying incomes total: $53,802 - Seller-03/27/2026 <br> Open-Audited DTI of 50.6% exceeds Guideline DTI of 50% Due to lower income calculated for xxxxxx. The 1003 reflects $53,802 but the lender's worksheet reflects $46,441.61. Audit calculated income at $52,528.81. - Due Diligence Vendor-03/17/2026 | Ready for Review-Why is Clarifii using $53,000.97 instead of $53,802.20 as shown on the worksheets provided. Please clear or escalate. xxxxxx - Seller-03/30/2026 <br> Ready for Review-Document Uploaded. see two screenshots attached . The auditor missed the 2nd set of income. highlighted are the two different accounts on the same statement. Adding the two qualifying incomes total: $53,802 - Seller-03/27/2026 | Resolved-Upon further review - there was over $28,000 in deposits that were not captured originally on Audit Worksheet. Updated and DTI < 50%. - Due Diligence Vendor-04/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705<br>Long term residence - Borrower has owned the primary residence for 8 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863119 | xxxxxx D B C A | Closed | xxxxxx | 2026-03-16 11:05 | 2026-03-26 15:09 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-eConsent received. Finding resolved. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED WITH CONSENTED DATE - Seller-03/24/2026 <br> Counter-There is no consent date on disclosure provided. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-03/19/2026 <br> Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. SEE ATTACHED WITH CONSENTED DATE - Seller-03/24/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-03/19/2026 | Resolved-eConsent received. Finding resolved. - Due Diligence Vendor-03/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705<br>Long term residence - Borrower has owned the primary residence for 8 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863128 | xxxxxx D A | Closed | xxxxxx | 2026-03-16 15:01 | 2026-03-23 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax cert and calculations considered. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see the Tax Cert 0.5400 +0.6475 = 1.1875% - Seller-03/19/2026 <br> Counter-Finding remains. UW to provided documentation in order to calculate taxes - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Business Purpose DSCR 30 Year Fixed , Purchase, Investment Property; Borrower is xxxxxx, Credit Score of 774.<br> property tax: xxxxxx x 1.1875% = xxxxxx - Seller-03/18/2026 <br> Open-Missing Evidence of Property Tax Missing lender calculation worksheet used to formulate the qualifying property taxes. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. Please see the Tax Cert 0.5400 +0.6475 = 1.1875% - Seller-03/19/2026 <br> Ready for Review-Business Purpose DSCR 30 Year Fixed , Purchase, Investment Property; Borrower is xxxxxx, Credit Score of 774.<br> property tax: xxxxxx - Seller-03/18/2026 | Resolved-Received tax cert and calculations considered. - Due Diligence Vendor-03/23/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.089<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 774 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863140 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 863178 | xxxxxx C B A | Closed | xxxxxx | 2026-05-05 10:44 | 2026-05-11 13:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Originator waiver applied to non-material finding. xxxxxx loan vested in an entity - Due Diligence Vendor-05/06/2026 <br> Ready for Review-This was waived on the other loan xxxxxx and I sent an email that is allowed for xxxxxx - Seller-05/05/2026 <br> Open- Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an Individual. - Due Diligence Vendor-05/05/2026 | Ready for Review-This was waived on the other loan xxxxxx and I sent an email that is allowed for xxxxxx - Seller-05/05/2026 | Waived-Originator waiver applied to non-material finding. xxxxxx loan vested in an entity - Due Diligence Vendor-05/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781<br>Months Reserves exceed minimum required - 19 mths reserves; 2 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 863178 | xxxxxx C B A | Closed | xxxxxx | 2026-05-05 10:36 | 2026-05-06 13:21 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Previous HOI policy provided. - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. You got the renewal here is the old one.<br>- Seller-05/05/2026 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx Dated after Disbursement date, no additional HOI docs on file. - Due Diligence Vendor-05/05/2026 | Ready for Review-Document Uploaded. You got the renewal here is the old one.<br>- Seller-05/05/2026 | Resolved-Previous HOI policy provided. - Due Diligence Vendor-05/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781<br>Months Reserves exceed minimum required - 19 mths reserves; 2 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863178 | xxxxxx C B A | Closed | xxxxxx | 2026-05-05 09:46 | 2026-05-06 13:20 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. - Seller-05/05/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-05/05/2026 | Ready for Review-Document Uploaded. - Seller-05/05/2026<br>| Resolved-Legal description provided. - Due Diligence Vendor-05/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781<br>Months Reserves exceed minimum required - 19 mths reserves; 2 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863179 | xxxxxx C B A | Closed | xxxxxx | 2026-05-05 15:00 | 2026-05-06 13:29 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Previous HOI policy provided - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. You got the renewal here is the old one. - Seller-05/05/2026 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx HOI effective date after disbursement date - Due Diligence Vendor-05/05/2026 | Ready for Review-Document Uploaded. You got the renewal here is the old one. - Seller-05/05/2026<br>| Resolved-Previous HOI policy provided - Due Diligence Vendor-05/06/2026 | Months Reserves exceed minimum required - 12.97 mths reserves; 2 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863179 | xxxxxx C B A | Closed | xxxxxx | 2026-05-05 15:10 | 2026-05-05 17:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-05/05/2026 <br> Open-Prepayment Penalty is not allowed. Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law, a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-05/05/2026 |  | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-05/05/2026 | Months Reserves exceed minimum required - 12.97 mths reserves; 2 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 863183 | xxxxxx D A C | Closed | xxxxxx | 2026-04-01 09:10 | 2026-04-23 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Loan is no longer an HPML loan. - Due Diligence Vendor-04/23/2026 <br> Open-Escrow required due to HPML. - Due Diligence Vendor-04/01/2026 |  | Resolved-Loan is no longer an HPML loan. - Due Diligence Vendor-04/23/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.55<br>Months Reserves exceed minimum required - Months reserves required is 4; qualifying reserves is 4.78 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863183 | xxxxxx D A C | Closed | xxxxxx | 2026-03-31 13:24 | 2026-04-23 13:58 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Required Escrow Account Test | Resolved-Updated lock date to xxxxxx. Finding resolved. - Due Diligence Vendor-04/23/2026 <br> Counter-Page 7 of the Loan Detail Report reflects - Federal High Cost/HPML - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. xxxxxx Please See QM Worksheet Point and Fees Passed and it shows this is not High Priced Loan - Seller-04/16/2026 <br> Open-This loan failed the higher-priced mortgage loan required escrow account test. (12 CFR §1026.35(b))This loan fails to collect reserves for either:The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, orThe loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; orThe payment of property taxes for condominium, or high rise condominium, or planned unit development.Except as provided in 1026.35(b)(2) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings.PLEASE NOTE:(1)This test does not consider whether the creditor complies with 12 CFR §1026.35(b)(2)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the xxxxxx.(2)This test does not account for instances when mortgage insurance reserves must be escrowed based on 12 CFR §1026.35. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements. -----Statute of limitations – One year; Expiration date: xxxxxx- Loan closed with no escrows. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. xxxxxx Please See QM Worksheet Point and Fees Passed and it shows this is not High Priced Loan - Seller-04/16/2026 | Resolved-Updated lock date to xxxxxx. Finding resolved. - Due Diligence Vendor-04/23/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.55<br>Months Reserves exceed minimum required - Months reserves required is 4; qualifying reserves is 4.78 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863183 | xxxxxx D A C | Closed | xxxxxx | 2026-03-31 13:24 | 2026-04-23 13:58 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Updated lock date to xxxxxx. Finding resolved. - Due Diligence Vendor-04/23/2026 <br> Counter-Final closing Disclosure disclosed an APOR of 7.573%. There are no escrows on the this loan. Due to HPML , loan must remain Material until the 1 yr SOL is up - Due Diligence Vendor-04/22/2026 <br> Ready for Review-xxxxxx, on page 7 it says Warning, not Fail. If this is an HPML loan, that section will say FAIL, and it will be red. - Seller-04/18/2026 <br> Counter-Page 7 of the Loan Detail Report reflects - Federal High Cost/HPML - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-04/16/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. -----Statute of limitations – One year; Expiration date: xxxxxx - Due Diligence Vendor-03/31/2026 | Ready for Review-xxxxxx, on page 7 it says Warning, not Fail. If this is an HPML loan, that section will say FAIL, and it will be red. - Seller-04/18/2026 <br> Ready for Review-Document Uploaded. 0225-966226 - Seller-04/16/2026 | Resolved-Updated lock date to xxxxxx. Finding resolved. - Due Diligence Vendor-04/23/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.55<br>Months Reserves exceed minimum required - Months reserves required is 4; qualifying reserves is 4.78 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863183 | xxxxxx D A C | Closed | xxxxxx | 2026-04-01 08:38 | 2026-04-14 13:45 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. Uploaded. See Final TP. - Seller-04/13/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Coverage is for xxxxxx - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. Uploaded. See Final TP. - Seller-04/13/2026<br>| Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-04/14/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 34.55<br> Months Reserves exceed minimum required - Months reserves required is 4; qualifying reserves is 4.78 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863185 | xxxxxx D A | Closed | xxxxxx | 2026-04-17 16:17 | 2026-04-23 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. - Seller-04/21/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. - Seller-04/21/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-04/23/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 36.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863209 | xxxxxx D A | Closed | xxxxxx | 2026-04-17 12:37 | 2026-04-29 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received corrected 1003 and 1008 reflecting the correct income - Due Diligence Vendor-04/29/2026 <br> Counter-Received Lender response: Could you please clarify which items need to be updated? xxxxxx. Audit. Income on Final 1003 to be updated as noted in previous finding. - Due Diligence Vendor-04/28/2026 <br> Counter-Finding remains. Original Finding: Provide updated final 1003 for B1 and B2 reflecting calculated income documented in-file in the amount of $6257.86/mo each. Per Tax Preparer letter in file B1/B2 each has 50% ownership the business. However, final 1003 in file reflect 100% of income in the amount of $12,515.71/mo given to B1 only and B2 estimated stated income $13,000/mo from initial 1003 transposed to final 1008/1003 - Due Diligence Vendor-04/27/2026 <br> Counter-Received 1003's for both borrowers however the income section is incomplete. Finding remains - Due Diligence Vendor-04/23/2026 <br> Open-Provide updated final 1003 for B1 and B2 reflecting calculated income documented in-file in the amount of $6257.86/mo each. Per Tax Preparer letter in file B1/B2 each has 50% ownership the business. However, final 1003 in file reflect 100% of income in the amount of $12,515.71/mo given to B1 only and B2 estimated stated income $13,000/mo from initial 1003 transposed to final 1008/1003. - Due Diligence Vendor-04/17/2026 |  | Resolved-Received corrected 1003 and 1008 reflecting the correct income - Due Diligence Vendor-04/29/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863209 | xxxxxx D A | Closed | xxxxxx | 2026-04-17 12:28 | 2026-04-23 11:20 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Received updated 1008 showing corrected income per finding - Due Diligence Vendor-04/23/2026 <br> Open-Approval/Underwriting Summary Partially Provided Provide updated 1008 reflecting B1/B2 calculated income documented in-file in the amount of $6257.86/mo each. Per Tax Preparer letter in file B1/B2 each has 50% ownership the business. However, 1008 reflect 100% of income $12,515.71/mo given to B1 only. The 1008 also reflect undocumented income of $13,000/mo to B2, which appears on the initial 1003 and transposed to final 1008/1003. - Due Diligence Vendor-04/17/2026 |  | Resolved-Received updated 1008 showing corrected income per finding - Due Diligence Vendor-04/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863213 | xxxxxx D A C | Closed | xxxxxx | 2026-04-17 08:01 | 2026-05-05 13:30 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-Upon further review, a Power Purchase does not have monthly payments. - Due Diligence Vendor-05/05/2026 <br> Counter-Received Lender comment: It's a power purchase and doesn't have a monthly payment. Audit: Review of Guideline 9.11 Property with xxxxxx xxxxxx- Must conform to xxxxxx guidelines. xxxxxx-xxxxxx, Special Property Eligibility Considerations (xxxxxx)-Properties with xxxxxx xxxxxx-f the xxxxxx xxxxxx are leased from or owned by a third party under a power purchase agreement or other similar lease arrangement, the following requirements apply (whether to the original agreement or as subsequently amended)-1. The lender must obtain and review copies of the lease or power purchase agreement. 2. The monthly lease payment must be included in the DTI ratio calculation unless the lease is structured to<br>provide delivery of a specific amount of energy at a fixed payment during a given period, and<br> have a production guarantee that compensates the borrower on a prorated basis in the event the xxxxxx xxxxxx fail to meet the energy output required for in the lease for that period.<br> Payments under power purchase agreements where the payment is calculated solely based on the energy produced may be excluded from the DTI ratio. 3. The property must maintain access to an alternate source of xxxxxx that meets community standards. 4. The lease or power purchase agreement must indicate that<br>any damage that occurs as a result of installation, malfunction, manufacturing defect, or the removal of the xxxxxx xxxxxx is the responsibility of the owner of the equipment and the owner must be obligated to repair the damage and return the improvements to their original or prior condition (for example, sound and watertight conditions that are architecturally consistent with the home);<br> the owner of the xxxxxx xxxxxx agrees not to be named loss payee (or named insured) on the property owner's property insurance policy covering the residential structure on which the xxxxxx are attached. As an alternative to this requirement, the lender may verify that the owner of the xxxxxx xxxxxx is not a named loss payee (or named insured) on the property owner's property insurance policy; and<br> in the event of foreclosure, the lender or assignee has the discretion to<br> terminate the lease/agreement and require the third-party owner to remove the equipment;<br> become, without payment of any transfer or similar fee, the beneficiary of the borrower's lease/agreement with the third party; or<br> enter into a new lease/agreement with the third party, under terms no less favorable than the prior owner. 5. Unable to confirm agreement meets requirements if not available. Additional findings may apply. - Due Diligence Vendor-05/04/2026 <br> Counter-Received 1003 and 1008 removing the xxxxxx, however we are missing the supporting documentation to support the removal. - Due Diligence Vendor-04/29/2026 <br> Open-Missing documentation supporting the xxxxxx lease payment noted on 1003. Power Purchase Agreement Amendment in file does not disclose a lease payment. Additional findings may apply since Audit used the payment noted on 1003. - Due Diligence Vendor-04/17/2026 |  | Resolved-Upon further review, a Power Purchase does not have monthly payments. - Due Diligence Vendor-05/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700<br> LTV is less than guideline maximum - Required is 80 Borrower has 71.25 Required is 80 Borrower has 71.25<br> On time mortgage history exceeds guideline requirement - 0x30x48 mortgage pay history for one additional property owned. and 12 months required.<br> Months Reserves exceed minimum required - 43.59 months reserves and no reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863213 | xxxxxx D A C | Closed | xxxxxx | 2026-04-24 12:06 | 2026-05-04 09:28 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-05/04/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. \*NEW\* Received updated appraisal and SSRs. SSR scores >2.5. Desk Review required. - Due Diligence Vendor-04/24/2026 |  | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-05/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700<br> LTV is less than guideline maximum - Required is 80 Borrower has 71.25 Required is 80 Borrower has 71.25<br> On time mortgage history exceeds guideline requirement - 0x30x48 mortgage pay history for one additional property owned. and 12 months required.<br> Months Reserves exceed minimum required - 43.59 months reserves and no reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863213 | xxxxxx D A C | Closed | xxxxxx | 2026-04-17 08:04 | 2026-04-28 10:45 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received REO info. - Due Diligence Vendor-04/28/2026 <br> Counter-Upon further review, it is noted that the file is missing a payment for the xxxxxx xxxxxx, HOA for REO. These items could affect DTI however once received and reviewed the ATR condition would be cleared - Due Diligence Vendor-04/23/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Finding made. - Due Diligence Vendor-04/17/2026 |  | Resolved-Received REO info. - Due Diligence Vendor-04/28/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700<br> LTV is less than guideline maximum - Required is 80 Borrower has 71.25 Required is 80 Borrower has 71.25<br> On time mortgage history exceeds guideline requirement - 0x30x48 mortgage pay history for one additional property owned. and 12 months required.<br> Months Reserves exceed minimum required - 43.59 months reserves and no reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863213 | xxxxxx D A C | Closed | xxxxxx | 2026-04-24 12:09 | 2026-04-28 10:32 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received updated 1003 on alternate finding xxxxxx. - Due Diligence Vendor-04/28/2026 <br> Counter-Received comments stating borrower is a Non Permanent Resident as well as an updated 1003 and 1008. 1003 provided is checked Permanent Resident Alien. Unable to clear finding - Due Diligence Vendor-04/27/2026 <br> Open-\*NEW\* Provide corrected final 1003 reflecting borrowers correct citizenship status as Non Perm Resident. - Due Diligence Vendor-04/24/2026 |  | Resolved-Received updated 1003 on alternate finding xxxxxx. - Due Diligence Vendor-04/28/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700<br> LTV is less than guideline maximum - Required is 80 Borrower has 71.25 Required is 80 Borrower has 71.25<br> On time mortgage history exceeds guideline requirement - 0x30x48 mortgage pay history for one additional property owned. and 12 months required.<br> Months Reserves exceed minimum required - 43.59 months reserves and no reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863213 | xxxxxx D A C | Closed | xxxxxx | 2026-04-17 06:13 | 2026-04-24 12:09 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received corrected appraisal. - Due Diligence Vendor-04/24/2026 <br> Open-1. Appraiser to address comments that there is an xxxxxx added without permits that only has an xxxxxx photo that shows a xxxxxx. Appraiser to address if legal zoning exists for the xxxxxx and/or if it is typical for the market. Additional findings may apply.<br> 2. Appraiser to address page 1 of appraisal that notes xxxxxx and sketch that shows xxxxxx. Audit could not determine from photos if there were xxxxxx. Additional findings may apply. - Due Diligence Vendor-04/17/2026 |  | Resolved-Received corrected appraisal. - Due Diligence Vendor-04/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700<br> LTV is less than guideline maximum - Required is 80 Borrower has 71.25 Required is 80 Borrower has 71.25<br> On time mortgage history exceeds guideline requirement - 0x30x48 mortgage pay history for one additional property owned. and 12 months required.<br> Months Reserves exceed minimum required - 43.59 months reserves and no reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863213 | xxxxxx D A C | Closed | xxxxxx | 2026-04-16 11:09 | 2026-04-24 12:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received EAD card. - Due Diligence Vendor-04/24/2026 <br> Counter-Received Limited Term Drivers License that indicates limited term or temporary status. Missing copy of Permanent Residence card front and back to confirm residence status. Finding remains. - Due Diligence Vendor-04/22/2026 <br> Open-Borrower Citizenship Documentation Is Missing Missing copy of Green Card (I-551) front & back. 1003 identifies borrower as permanent resident alien. Additional findings may apply. - Due Diligence Vendor-04/16/2026 |  | Resolved-Received EAD card. - Due Diligence Vendor-04/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700<br> LTV is less than guideline maximum - Required is 80 Borrower has 71.25 Required is 80 Borrower has 71.25<br> On time mortgage history exceeds guideline requirement - 0x30x48 mortgage pay history for one additional property owned. and 12 months required.<br> Months Reserves exceed minimum required - 43.59 months reserves and no reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863213 | xxxxxx D A C | Closed | xxxxxx | 2026-04-17 08:07 | 2026-04-24 09:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation no HOA. RE Taxes are not escrowed an included on 1003 - Due Diligence Vendor-04/24/2026 <br> Open-Missing verification of HOA for REO xxxxxx. Audit used lender's payment to qualify. Additional findings may apply and DTI may require recalculation. - Due Diligence Vendor-04/17/2026 |  | Resolved-Received confirmation no HOA. RE Taxes are not escrowed an included on 1003 - Due Diligence Vendor-04/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 700 Required is 660 Borrower has 700<br> LTV is less than guideline maximum - Required is 80 Borrower has 71.25 Required is 80 Borrower has 71.25<br> On time mortgage history exceeds guideline requirement - 0x30x48 mortgage pay history for one additional property owned. and 12 months required.<br> Months Reserves exceed minimum required - 43.59 months reserves and no reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863214 | xxxxxx C A | Closed | xxxxxx | 2026-04-23 16:30 | 2026-04-28 11:18 | Resolved | 1 - Information C A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-Received xxxxxx statement documenting xxxxxx deposits. - Due Diligence Vendor-04/28/2026 <br> Open-Need rental records for short term rental amount used in DSCR calculator for January 2026 - March 2026. Rental records must total the amount used on 1008 transmittal in addition to xxxxxx statement for calculation. - Due Diligence Vendor-04/23/2026 |  | Resolved-Received xxxxxx statement documenting xxxxxx deposits. - Due Diligence Vendor-04/28/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 62.63<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 783 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863214 | xxxxxx C A | Closed | xxxxxx | 2026-04-23 18:04 | 2026-04-28 10:50 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-04/28/2026 <br> Open-Appraisal page 1 Occupant section is marked as "Owner". Loan is a DSCR loan. Please provide corrected page 1 with Occupant section corrected to "Tenant". - Due Diligence Vendor-04/23/2026 |  | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-04/28/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 62.63<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 783 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863224 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-13 12:30 | 2026-05-06 07:20 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. Used date of check as date of CD since the CD date wasn't changed. - Due Diligence Vendor-05/06/2026 <br> Counter-Received a copy of check and shipping label, need copy of PCCD and LOE to borrower. Finding Remains. - Due Diligence Vendor-05/04/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $15.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $15.00 Collateral Desktop Analysis Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $15.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/13/2026 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. Used date of check as date of CD since the CD date wasn't changed. - Due Diligence Vendor-05/06/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.93<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863224 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-13 21:05 | 2026-04-28 10:46 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received corrected 1003 reflecting correct PITIA - Due Diligence Vendor-04/28/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing information used for taxes, insurance, and/or HOA for REO xxxxxx. 1003 reflects additional $800 fee. Documentation in file does not reflect total used to qualify on final 1003. Additional findings may apply. - Due Diligence Vendor-04/14/2026 |  | Resolved-Received corrected 1003 reflecting correct PITIA - Due Diligence Vendor-04/28/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.93<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863224 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-13 20:15 | 2026-04-28 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received corrected 1003 confirming PITIA. - Due Diligence Vendor-04/28/2026 <br> Counter-For clarification: the property associated with xxxxxx is xxxxxx xxxxxx - Due Diligence Vendor-04/24/2026 <br> Open-Missing information used for taxes, insurance, and/or HOA for REO xxxxxx. 1003 reflects additional $800 fee. Documentation in file does not reflect total used to qualify on final 1003. Additional findings may apply. - Due Diligence Vendor-04/14/2026 |  | Resolved-Received corrected 1003 confirming PITIA. - Due Diligence Vendor-04/28/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.93<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863224 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-13 20:31 | 2026-04-28 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report , no changes - Due Diligence Vendor-04/27/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-04/14/2026 |  | Resolved-Received Borrower 1 Gap Credit Report , no changes - Due Diligence Vendor-04/27/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.93<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863224 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-13 11:28 | 2026-04-13 11:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.93<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863236 | xxxxxx C A | Closed | xxxxxx | 2026-04-08 16:31 | 2026-04-17 10:47 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Operating Agreement provided. The Business Entity Formation Document is not incomplete - Due Diligence Vendor-04/17/2026 <br> Open-The Business Entity Formation Document is incomplete Missing Operating Agreement for the vested entity. - Due Diligence Vendor-04/08/2026 |  | Resolved-Operating Agreement provided. The Business Entity Formation Document is not incomplete - Due Diligence Vendor-04/17/2026 | DSCR % greater than 1.20 - DSCR: 1.290 Min 1.0<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 752<br> LTV is less than guideline maximum - Required is 75 Borrower has 63.64 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863237 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863241 | xxxxxx C A | Closed | xxxxxx | 2026-05-08 16:50 | 2026-05-18 09:17 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, credit inquiry >90 days from credit date, no additional documentation required. - Due Diligence Vendor-05/18/2026 <br> Open-LOX for credit inquiries is missing. 10/06/2025 xxxxxx - Due Diligence Vendor-05/08/2026 |  | Resolved-Upon further review, credit inquiry >90 days from credit date, no additional documentation required. - Due Diligence Vendor-05/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 789<br> Long term residence - B2 has 40 years in primary residence |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863241 | xxxxxx C A | Closed | xxxxxx | 2026-05-06 13:33 | 2026-05-14 14:05 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, no addiotnal documentation required. - Due Diligence Vendor-05/14/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-05/06/2026 |  | Resolved-Upon further review, no addiotnal documentation required. - Due Diligence Vendor-05/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 789<br> Long term residence - B2 has 40 years in primary residence |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863241 | xxxxxx C A | Closed | xxxxxx | 2026-05-06 13:33 | 2026-05-14 13:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, no additional documentation is required. - Due Diligence Vendor-05/14/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $350.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $300 Appraisal Fee and $50 for Title Recording Service Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $350, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date:xxxxxx.<br> - Due Diligence Vendor-05/06/2026 |  | Resolved-Upon further review, no additional documentation is required. - Due Diligence Vendor-05/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 789<br> Long term residence - B2 has 40 years in primary residence |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863241 | xxxxxx C A | Closed | xxxxxx | 2026-05-06 13:50 | 2026-05-13 14:06 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 8.121% is within allowable threshold of APOR of 6.37% + 1.75% or 8.121% - Due Diligence Vendor-05/13/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 8.121% is within allowable threshold of APOR of 6.37% + 1.75% or 8.121%. - Due Diligence Vendor-05/06/2026 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 8.121% is within allowable threshold of APOR of 6.37% + 1.75% or 8.121% - Due Diligence Vendor-05/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 789<br> Long term residence - B2 has 40 years in primary residence |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863244 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863271 | xxxxxx D A C | Closed | xxxxxx | 2026-04-16 06:52 | 2026-04-28 10:35 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-04/28/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOR required by Guideline Section 1.5.5.3. File included a copy of the lease and evidence of rent payments for the most recent 12 months (6-months required for private VOR.) Additional findings may apply. - Due Diligence Vendor-04/16/2026 |  | Resolved-Received VOR. - Due Diligence Vendor-04/28/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 770 Required is 680 Borrower has 770<br> Qualifying DTI below maximum allowed - Required is 45 Borrower has 37.16 Required is 45 Borrower has 37.16<br> LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863271 | xxxxxx D A C | Closed | xxxxxx | 2026-04-16 06:25 | 2026-04-21 09:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received evidence of xxxxxx certification. - Due Diligence Vendor-04/21/2026 <br> Open-Missing evidence of xxxxxx certification from xxxxxx required by Guideline Section 1.7.8. - Due Diligence Vendor-04/16/2026 |  | Resolved-Received evidence of xxxxxx certification. - Due Diligence Vendor-04/21/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 770 Required is 680 Borrower has 770<br> Qualifying DTI below maximum allowed - Required is 45 Borrower has 37.16 Required is 45 Borrower has 37.16<br> LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863271 | xxxxxx D A C | Closed | xxxxxx | 2026-04-15 13:01 | 2026-04-21 07:11 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/21/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($9,160.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $9160 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $9160, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/15/2026 |  | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 770 Required is 680 Borrower has 770<br> Qualifying DTI below maximum allowed - Required is 45 Borrower has 37.16 Required is 45 Borrower has 37.16<br> LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863275 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863294 | xxxxxx D A | Closed | xxxxxx | 2026-04-13 13:07 | 2026-04-28 10:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD and property profile. - Due Diligence Vendor-04/28/2026 <br> Counter-Documents were not attached, xxxxxx. - please validated new loan PITIA as not received in upload. - Due Diligence Vendor-04/27/2026 <br> Counter-For clarification: xxxxxx-property profile confirm SFR and no HOA. xxxxxx. - please validated new loan PITIA as not received in upload. <br> - Due Diligence Vendor-04/24/2026 <br> Counter-Received lender note Could you please clarify on the correct REO address for xxxxxx and xxxxxx? Audit- xxxxxx.<br> - Due Diligence Vendor-04/21/2026 <br> Open-REO xxxxxx – Provide documentation for HOA dues.<br> REO xxxxxx – Provide first payment letter for new loan with lender and HOA dues. If not escrowed, also provide taxes and HOI. <br> - Due Diligence Vendor-04/13/2026 |  | Resolved-Received CD and property profile. - Due Diligence Vendor-04/28/2026<br>| Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Borrower has 28.52 months of reserves.<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 692 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863294 | xxxxxx D A | Closed | xxxxxx | 2026-04-13 10:58 | 2026-04-21 10:19 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-There are no issues present on the Note. - Due Diligence Vendor-04/21/2026 <br> Open-There are Issues Present on the Note that must be addressed. PPP Max Prepayment Amount of xxxxxx per the PPP Addendum to Note does not correlate with the PPP Max amount on the Final CD stated at xxxxxx. - Due Diligence Vendor-04/13/2026 |  | Resolved-There are no issues present on the Note. - Due Diligence Vendor-04/21/2026 | Months Reserves exceed minimum required - Guidelines require 6 months of reserves. Borrower has 28.52 months of reserves.<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 692 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863295 | xxxxxx C A | Closed | xxxxxx | 2026-04-17 15:15 | 2026-04-28 07:13 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received acknowledgement of broker compensation. Finding Resolved. - Due Diligence Vendor-04/28/2026 <br> Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-04/17/2026 |  | Resolved-Received acknowledgement of broker compensation. Finding Resolved. - Due Diligence Vendor-04/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.43 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863295 | xxxxxx C A | Closed | xxxxxx | 2026-04-20 08:11 | 2026-04-27 10:04 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Title Coverage Supplement in the Amount of xxxxxx - Due Diligence Vendor-04/27/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-04/20/2026 |  | Resolved-Received Title Coverage Supplement in the Amount of xxxxxx - Due Diligence Vendor-04/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.43 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863299 | xxxxxx C A | Closed | xxxxxx | 2026-04-08 08:27 | 2026-04-16 12:08 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received SSR reflecting acceptable score. - Due Diligence Vendor-04/15/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. The loan file is missing a desk review to substantiate the value. - Due Diligence Vendor-04/08/2026 |  | Resolved-Received SSR reflecting acceptable score. - Due Diligence Vendor-04/15/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863302 | xxxxxx D A | Closed | xxxxxx | 2026-04-16 15:07 | 2026-04-23 11:44 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Per GL 1.7.10 if Asset Utilization is used to supplement other income sources then the minimum asset requirements under the qualification method is waived - Due Diligence Vendor-04/23/2026 <br> Open-Asset Utilization funds do not meet minimum required asset amount of 150% of the loan amount. - Due Diligence Vendor-04/16/2026 |  | Resolved-Per GL 1.7.10 if Asset Utilization is used to supplement other income sources then the minimum asset requirements under the qualification method is waived - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810<br>LTV is less than guideline maximum - Required is 90 Borrower has 64.65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863302 | xxxxxx D A | Closed | xxxxxx | 2026-04-16 15:39 | 2026-04-23 11:43 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Per GL 1.7.10 if Asset Utilization is used to supplement other income sources then the minimum asset requirements under the qualification method is waived - Due Diligence Vendor-04/23/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Asset Utilization funds do not meet minimum required asset amount of 150% of the loan amount. - Due Diligence Vendor-04/17/2026 |  | Resolved-Per GL 1.7.10 if Asset Utilization is used to supplement other income sources then the minimum asset requirements under the qualification method is waived - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810<br>LTV is less than guideline maximum - Required is 90 Borrower has 64.65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863302 | xxxxxx D A | Closed | xxxxxx | 2026-04-16 14:56 | 2026-04-22 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Guidelines allow rental income from a departure residence to be documented with a Single Family Comparable Rent Schedule and a copy of the current lease OR a copy of current lease and evidence of receipt of the damage deposit and first month's rent. 1007 for departure residence along with Lease agreement in file for xxxxxx- Guideline has been met. - Due Diligence Vendor-04/22/2026 <br> Open-Canceled rent checks documenting security deposit and first months rents for the departure residence not received. - Due Diligence Vendor-04/16/2026 |  | Resolved-Guidelines allow rental income from a departure residence to be documented with a Single Family Comparable Rent Schedule and a copy of the current lease OR a copy of current lease and evidence of receipt of the damage deposit and first month's rent. 1007 for departure residence along with Lease agreement in file for xxxxxx- Guideline has been met. - Due Diligence Vendor-04/22/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 810<br>LTV is less than guideline maximum - Required is 90 Borrower has 64.65 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863309 | xxxxxx D A | Closed | xxxxxx | 2026-04-16 12:58 | 2026-04-23 14:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received signed an initial Supplemental Instructions. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. - Seller-04/21/2026 <br> Counter-Received supplement instructions dated xxxxxx that were not ratified. Missing ratified instructions and purchase contract noted on instructions: INSTRUCTIONS/COUNTERS/SUPPLEMENTS/ADDENDUMS: Escrow Holders responsibility is limited to the items listed in Purchase Agreement – For Sale By Owner dated xxxxxx, Receipt for Deposit dated March 11, 2026. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Seller-04/17/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. - Seller-04/21/2026 <br>Ready for Review-Document Uploaded. - Seller-04/17/2026<br>| Resolved-Received signed an initial Supplemental Instructions. - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 790<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.36 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863310 | xxxxxx B A | Closed | xxxxxx | 2026-04-14 13:11 | 2026-04-14 13:11 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/14/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/14/2026<br>| Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - 785 score exceeds 680 minimum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 863314 | xxxxxx C B A | Closed | xxxxxx | 2026-04-03 23:43 | 2026-04-20 13:32 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received title receipt of gift funds. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Uploaded. See Receipt of Funds Wired Gift $490,500. - Seller-04/16/2026 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Missing evidence of receipt by escrow the gift of 490,500.00 - Due Diligence Vendor-04/04/2026 | Ready for Review-Document Uploaded. Uploaded. See Receipt of Funds Wired Gift $490,500. - Seller-04/16/2026<br>| Resolved-Received title receipt of gift funds. - Due Diligence Vendor-04/20/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 12.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 801 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863314 | xxxxxx C B A | Closed | xxxxxx | 2026-04-02 12:18 | 2026-04-02 12:18 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/02/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/02/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 12.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 801 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 863320 | xxxxxx D A | Closed | xxxxxx | 2026-03-30 10:46 | 2026-03-30 17:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-After further review, the business purpose affidavit is in the loan file. - Due Diligence Vendor-03/30/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing (required on cash-out refinance transactions) - Due Diligence Vendor-03/30/2026 |  | Resolved-After further review, the business purpose affidavit is in the loan file. - Due Diligence Vendor-03/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 687; min 660 required<br>DSCR % greater than 1.20 - 1.293<br>Months Reserves exceed minimum required - 28.07 mos reserves; 6 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863320 | xxxxxx D A | Closed | xxxxxx | 2026-03-27 14:55 | 2026-03-30 11:33 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review The file contains a letter from the HOA stating lawsuit is covered by Insurance. The amount of the lawsuit is xxxxxx. This demand is reasonable, measured and made in good faith. It is also well within the available liability insurance coverage applicable to this claim. Condition resolved - Due Diligence Vendor-03/30/2026 <br> Open-The condo project has pending litigation. Lawsuit is from Tenant slip and fall. it is against the HOA . The file contains a letter from the HOA stating lawsuit is covered by Insurance. The amount of the lawsuit is xxxxxx. This demand is reasonable, measured and made in good faith. It is also well within the available liability insurance coverage applicable to this claim. - Due Diligence Vendor-03/30/2026 |  | Resolved-After further review The file contains a letter from the HOA stating lawsuit is covered by Insurance. The amount of the lawsuit is xxxxxx. This demand is reasonable, measured and made in good faith. It is also well within the available liability insurance coverage applicable to this claim. Condition resolved - Due Diligence Vendor-03/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - 687; min 660 required<br>DSCR % greater than 1.20 - 1.293<br>Months Reserves exceed minimum required - 28.07 mos reserves; 6 mos required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863334 | xxxxxx C A | Closed | xxxxxx | 2026-04-17 17:31 | 2026-05-01 10:06 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received Gift Letter that indicated 36k of 270 was for EMD. - Due Diligence Vendor-05/01/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements The loan application reflects a gift for $234,000. The loan file is missing a gift letter for the $234,000 gift and the loan file is missing evidence of the $234,000 gift being received. Once received and reviewed, additional findings may apply. - Due Diligence Vendor-04/17/2026 |  | Resolved-Received Gift Letter that indicated 36k of 270 was for EMD. - Due Diligence Vendor-05/01/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.34<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 746 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863345 | xxxxxx C A | Closed | xxxxxx | 2026-05-21 08:40 | 2026-05-28 11:11 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received revised 1008 and 1003 loan application indicating Cash-Out Transaction. - Due Diligence Vendor-05/28/2026 <br> Open-Final 1003 and Lender 1008 reflects Rate/Term Refinance where Lock reflects Cash Out. Per guides, on a rate/term refinance, cash back is limited to lesser of 2% of the new loan amount or $5000. Borrower is receiving greater than $20,000 in cash back, which does not conform to rate/term requirements. - Due Diligence Vendor-05/21/2026 |  | Resolved-Received revised 1008 and 1003 loan application indicating Cash-Out Transaction. - Due Diligence Vendor-05/28/2026<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 71.65 Required is 90 Borrower has 71.65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 774 Required is 680 Borrower has 774<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.75 Required is 50 Borrower has 37.75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863424 | xxxxxx C B A | Closed | xxxxxx | 2026-04-03 06:40 | 2026-06-08 17:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/09/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Months Reserves exceed minimum required - Reserves = 62.38 months – none required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863424 | xxxxxx C B A | Closed | xxxxxx | 2026-04-07 13:16 | 2026-04-16 12:03 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received confirmation all high and medium alerts cleared. - Due Diligence Vendor-04/16/2026 <br> Open-Fraud Report Shows Uncleared Alerts Fraud Report has not been cleared. - Due Diligence Vendor-04/07/2026 |  | Resolved-Received confirmation all high and medium alerts cleared. - Due Diligence Vendor-04/16/2026<br>| Months Reserves exceed minimum required - Reserves = 62.38 months – none required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863424 | xxxxxx C B A | Closed | xxxxxx | 2026-04-09 13:58 | 2026-04-10 10:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted to allow ITIN borrower on a Bk Statement program. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/10/2026 <br> Open-EA does not allow ITIN borrower. - Due Diligence Vendor-04/09/2026 |  | Waived-Client exception granted to allow ITIN borrower on a Bk Statement program. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/10/2026<br>| Months Reserves exceed minimum required - Reserves = 62.38 months – none required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 744 | Credit Score 30+ points > minimum required <br> Reserves exceed requirement by 10 months or more | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863476 | xxxxxx C B A | Closed | xxxxxx | 2026-03-31 10:42 | 2026-04-17 15:03 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Borrower has owned primary since xxxxxx, per fraud report and credit appears to be free and clear. - Due Diligence Vendor-04/17/2026 <br> Counter-Received rebuttal borrower owns xxxxxx Fraud report received reflects added to title 7/15/2025. Please provide confirmation owned for 12 months or rent free for portion required to complete 12 months housing history. - Due Diligence Vendor-04/16/2026 <br> Counter-Verification of rent comes from the property owner. In this case the Rent Free letter must be provide from the property owner. In addition, evidence the borrower owned a primary for at least 12 months to not be considered a first-time homebuyer. Additional Conditions may apply. - Due Diligence Vendor-04/09/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide Rent Free Letter from other property owner. Provide evidence that the borrower has owned the primary for at least 12 months to not be considered a first-time homebuyer. Additional conditions may apply. - Due Diligence Vendor-04/01/2026 |  | Resolved-Borrower has owned primary since xxxxxx, per fraud report and credit appears to be free and clear. - Due Diligence Vendor-04/17/2026 | Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Borrower has 11.06 months of reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 774 Required is 640 Borrower has 774 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863476 | xxxxxx C B A | Closed | xxxxxx | 2026-04-01 08:34 | 2026-04-15 13:08 | Resolved | 1 - Information C A | Property | Property | Loan does not meet Flip transaction requirements | Resolved-After further review, the property meets the definition of a flip but is not an HPML loan and does not require a 2nd appraisal. - Due Diligence Vendor-04/15/2026 <br> Open-Loan and does not meet the Flip Transaction requirement and a full 2nd appraisal is required. Guidelines state properties, including xxxxxx, acquired within 12 months after the date of the seller's acquisition where the contract price exceeds the seller's acquisition price by 10% or more are considered flips. Seller purchased the subject on xxxxxx for xxxxxx. The contract sales price is xxxxxx. - Due Diligence Vendor-04/01/2026 |  | Resolved-After further review, the property meets the definition of a flip but is not an HPML loan and does not require a 2nd appraisal. - Due Diligence Vendor-04/15/2026<br>| Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Borrower has 11.06 months of reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 774 Required is 640 Borrower has 774 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863476 | xxxxxx C B A | Closed | xxxxxx | 2026-04-01 08:44 | 2026-04-01 08:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Waived to non-material with compensating factors. - Due Diligence Vendor-04/01/2026 <br> Open-Allow appraiser provided alternative short term rental analysis vs using form 1007. Approved exception in file. - Due Diligence Vendor-04/01/2026 |  | Waived-Waived to non-material with compensating factors. - Due Diligence Vendor-04/01/2026<br>| Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Borrower has 11.06 months of reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 774 Required is 640 Borrower has 774 | FICO 774 (640)<br> Reserves 11 mo (2mo)<br> DSCR 1.137% (DSCR>=1.25) | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863491 | xxxxxx C A | Closed | xxxxxx | 2026-04-09 16:39 | 2026-04-10 08:58 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-The appraiser also confirmed that no value was given to the unpermitted area: The work was done in a workman-like manner; there are no health, safety, or functional obsolescence issues; and there is no negative impact on the subject's marketability.<br> - Due Diligence Vendor-04/10/2026 <br> Open-Per page 1 of the appraisal and the sale comparison grid, the subject has xxxxxx. Photos and sketch of the property support the property has xxxxxx. - Due Diligence Vendor-04/09/2026 |  | Resolved-The appraiser also confirmed that no value was given to the unpermitted area: The work was done in a workman-like manner; there are no health, safety, or functional obsolescence issues; and there is no negative impact on the subject's marketability.<br> - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.42<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 66.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863494 | xxxxxx D A C | Closed | xxxxxx | 2026-04-24 16:20 | 2026-05-06 09:46 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries is present in file - Due Diligence Vendor-05/06/2026 <br> Open-LOX for credit inquiries is missing. File does not contain LOX for credit inquiries. - Due Diligence Vendor-04/24/2026 |  | Resolved-Received LOX for credit inquiries is present in file - Due Diligence Vendor-05/06/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.53<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.72 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863494 | xxxxxx D A C | Closed | xxxxxx | 2026-04-24 16:33 | 2026-05-06 09:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received tax bill and hoi for REO's listed in finding. - Due Diligence Vendor-05/06/2026 <br> Open-Missing H6 Policy for REO Property xxxxxx and Missing Taxes for REO Property xxxxxx on the final 1003. - Due Diligence Vendor-04/24/2026 |  | Resolved-Received tax bill and hoi for REO's listed in finding. - Due Diligence Vendor-05/06/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.53<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.72 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863494 | xxxxxx D A C | Closed | xxxxxx | 2026-04-23 10:17 | 2026-05-06 07:30 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/06/2026 <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. ----- Transaction/Notary date is xxxxxx. Final CD has a disbursement date of xxxxxx. Provide PCCD. Additional findings may apply upon receipt. - Due Diligence Vendor-04/23/2026 |  | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/06/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.53<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.72 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863494 | xxxxxx D A C | Closed | xxxxxx | 2026-04-23 10:17 | 2026-05-06 07:30 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/06/2026 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-04/23/2026 |  | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/06/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.53<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.72 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863553 | xxxxxx D A C | Closed | xxxxxx | 2026-04-06 10:14 | 2026-06-08 17:14 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/06/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.73<br>Months Reserves exceed minimum required - Months Reserves 7 months exceed minimum required 0. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863553 | xxxxxx D A C | Closed | xxxxxx | 2026-04-07 06:36 | 2026-04-10 14:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. - Seller-04/09/2026 <br> Open-Borrower 1 Gap Credit Report is Missing. A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. - Seller-04/09/2026<br>| Resolved-Received credit refresh. - Due Diligence Vendor-04/10/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 38.73<br>Months Reserves exceed minimum required - Months Reserves 7 months exceed minimum required 0. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863576 | xxxxxx D A | Closed | xxxxxx | 2026-04-21 23:25 | 2026-04-29 07:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Affiliated Business Disclosure. finding Resolved - Due Diligence Vendor-04/29/2026 <br> Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-04/22/2026 |  | Resolved-Received Affiliated Business Disclosure. finding Resolved - Due Diligence Vendor-04/29/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 66.64<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 715 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863577 | xxxxxx C A | Closed | xxxxxx | 2026-03-31 14:04 | 2026-04-03 13:27 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. UPLOADED xxxxxx CONTAINS COMPLETE WATCHLIST - Seller-04/02/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Addressed in other findings. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. UPLOADED xxxxxx CONTAINS COMPLETE WATCHLIST - Seller-04/02/2026<br>| Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/03/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x12 required - have 0x30x35 <br>Months Reserves exceed minimum required - 2 required - have 162.62 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863577 | xxxxxx C A | Closed | xxxxxx | 2026-03-31 14:04 | 2026-04-03 13:27 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. UPLOADED xxxxxx CONTAINS COMPLETE WATCHLIST - Seller-04/02/2026 <br> Open-OFAC Check Not Completed and/or Cleared Addressed in other findings. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. UPLOADED xxxxxx CONTAINS COMPLETE WATCHLIST - Seller-04/02/2026<br>| Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-04/03/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x12 required - have 0x30x35 <br>Months Reserves exceed minimum required - 2 required - have 162.62 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863591 | xxxxxx C A | Closed | xxxxxx | 2026-04-10 14:31 | 2026-04-28 11:44 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-After further review, the high alerts have been cleared. - Due Diligence Vendor-04/28/2026 <br> Counter-Received acceptable appraisal commentary. Please provide updated fraud report clearing other high risk items. - Due Diligence Vendor-04/24/2026 <br> Open-Fraud Report Shows Uncleared Alerts Provide evidence that the subject property is free and clear of any EPA regulations and water test has been completed, additional findings may apply. - Due Diligence Vendor-04/10/2026 |  | Resolved-After further review, the high alerts have been cleared. - Due Diligence Vendor-04/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 689<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.86 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863591 | xxxxxx C A | Closed | xxxxxx | 2026-04-10 12:01 | 2026-04-21 15:31 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/21/2026 <br> Open-There are Issues Present on the Note that must be addressed. -----PPP Max Prepayment Amount of xxxxxx per the PPP Addendum to Note does not correlate with the PPP MAX amount on the Final CD stated at xxxxxx - Due Diligence Vendor-04/10/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 689<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.86 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863591 | xxxxxx C A | Closed | xxxxxx | 2026-04-10 13:59 | 2026-04-17 12:24 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-CPA letter confirms percentage of ownership. Business docs provided list an officer of the company, and are not required to be completed by the owner. - Due Diligence Vendor-04/17/2026 <br> Open-Income and Employment Do Not Meet Guidelines Verification provided for business does not indicate borrowers name, provide evidence borrower is 100% owner of business, additional findings may apply. Requesting evidence borrower is 100% owner of business, cpa indicates 100% but all business docs indicate spouse - Due Diligence Vendor-04/10/2026 |  | Resolved-CPA letter confirms percentage of ownership. Business docs provided list an officer of the company, and are not required to be completed by the owner. - Due Diligence Vendor-04/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 689<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.86 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863598 | xxxxxx C A | Closed | xxxxxx | 2026-04-27 09:10 | 2026-05-05 11:42 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Received confirmation borrower is experienced investor. - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Per guidelines 2.9.1.1, we have documented history. It doesn't appear 2 months receipts of rent to document experience is required. - Buyer-05/04/2026 <br> Counter-Received lender comment: Please re-review documentation provided shows borrower primary is xxxxxx he owns. He rents the other unit which makes him an experienced investor.- Audit: Property profile provided document property SFR for address of xxxxxx as also noted as primary address on 1003. 2. Guideline indicate experience investors are documented by receiving rent at least 1 yr in the last 3 years. - Lender to provide proof of 12 months receipts of rent to document experience. Additional conditions may apply. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Please re-review documentation provided shows borrower primary is xxxxxx he owns. He rents the other unit which makes him an experienced investor. - Buyer-05/01/2026 <br> Counter-Document provided is not Subject property that affects the DSCR calculation. Finding remains. - Due Diligence Vendor-04/29/2026 <br> Open-MIN DSCR 1.00 for First time investor. DSCR 0.889 - Due Diligence Vendor-04/27/2026 |  | Resolved-Received confirmation borrower is experienced investor. - Due Diligence Vendor-05/05/2026 | Months Reserves exceed minimum required - 2 months required - have 24.75 months<br>Long term residence - Long term residence 21 years at primary |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863640 | xxxxxx D B A | Closed | xxxxxx | 2026-04-01 08:12 | 2026-04-15 17:03 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The findings have been resolved. - Due Diligence Vendor-04/15/2026 <br> Counter-Pending receipt of the Note and 1003. - Due Diligence Vendor-04/15/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing LP findings to determine if loan is approved and cannot determine if we have the required income, asset and credit docs - Due Diligence Vendor-04/01/2026 |  | Resolved-The findings have been resolved. - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 784 FICO<br>Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863640 | xxxxxx D B A | Closed | xxxxxx | 2026-03-30 11:57 | 2026-04-15 16:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Full Final 1003 Received, Finding resolved. - Due Diligence Vendor-04/15/2026 <br> Counter-1003 upload is missing page 1. Please provide a full copy of the final 1003 - Due Diligence Vendor-04/08/2026 <br> Open-The Final 1003 is Missing Missing signed final 1003. - Due Diligence Vendor-03/30/2026 |  | Resolved-Full Final 1003 Received, Finding resolved. - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 784 FICO<br>Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863640 | xxxxxx D B A | Closed | xxxxxx | 2026-03-30 09:50 | 2026-04-15 16:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-Note Provided, Finding resolved - Due Diligence Vendor-04/15/2026 <br> Open-The Note is Missing Note is missing from file - Due Diligence Vendor-03/30/2026 |  | Resolved-Note Provided, Finding resolved - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 784 FICO<br>Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863640 | xxxxxx D B A | Closed | xxxxxx | 2026-03-31 09:24 | 2026-04-15 15:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Upon further review, Fraud Report is not a requirement. - Due Diligence Vendor-04/15/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-03/31/2026 |  | Resolved-Upon further review, Fraud Report is not a requirement. - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 784 FICO<br>Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863640 | xxxxxx D B A | Closed | xxxxxx | 2026-03-31 09:19 | 2026-04-15 15:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, Gap Report is not required. - Due Diligence Vendor-04/15/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/31/2026 |  | Resolved-Upon further review, Gap Report is not required. - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 784 FICO<br>Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863640 | xxxxxx D B A | Closed | xxxxxx | 2026-03-31 17:39 | 2026-04-15 15:52 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal photos | Resolved-Received complete Appraisal. - Due Diligence Vendor-04/15/2026 <br> Open-Missing Interior photos of subject - Due Diligence Vendor-03/31/2026 |  | Resolved-Received complete Appraisal. - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 784 FICO<br>Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863640 | xxxxxx D B A | Closed | xxxxxx | 2026-03-31 17:08 | 2026-04-15 15:48 | Resolved | 1 - Information D A | Credit | Missing Doc | AUS Not Provided | Resolved-AUS provided. - Due Diligence Vendor-04/15/2026 <br> Open-Missing AUS Missing LPA Underwriting Findings - Due Diligence Vendor-03/31/2026 |  | Resolved-AUS provided. - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 784 FICO<br>Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863640 | xxxxxx D B A | Closed | xxxxxx | 2026-03-30 10:17 | 2026-03-30 10:17 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing Client waiver applied to non-material Findings - Due Diligence Vendor-03/30/2026 |  | Waived-Initial Escrow Account Disclosure is Missing Client waiver applied to non-material Findings - Due Diligence Vendor-03/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 784 FICO<br>Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863640 | xxxxxx D B A | Closed | xxxxxx | 2026-03-30 10:17 | 2026-03-30 10:17 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-03/30/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-03/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 784 FICO<br>Months Reserves exceed minimum required - 97.83 mos reserves; 6 mos required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863647 | xxxxxx C B A | Closed | xxxxxx | 2026-04-08 13:30 | 2026-06-08 17:41 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/08/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $9,008.46 residual income<br>Months Reserves exceed minimum required - 4 months required, borrower has 12 months.<br>On time mortgage history exceeds guideline requirement - VOR in file reflects borrower has 0x30x24 months rental history. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863647 | xxxxxx C B A | Closed | xxxxxx | 2026-04-09 12:09 | 2026-04-23 12:01 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received updated CBR, all inquiries are over 90 days from CBR date - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. - Seller-04/23/2026 <br> Open-LOX for credit inquiries is missing. Missing LOX for credit inquires - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. - Seller-04/23/2026<br>| Resolved-Received updated CBR, all inquiries are over 90 days from CBR date - Due Diligence Vendor-04/23/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $9,008.46 residual income<br>Months Reserves exceed minimum required - 4 months required, borrower has 12 months.<br>On time mortgage history exceeds guideline requirement - VOR in file reflects borrower has 0x30x24 months rental history. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863647 | xxxxxx C B A | Closed | xxxxxx | 2026-04-10 11:58 | 2026-04-23 11:56 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Borrower 1 Credit Report is not Expired. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. - Seller-04/23/2026 <br> Open-Guides allow a maximum of 90 days for a credit report. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. - Seller-04/23/2026<br>| Resolved-Borrower 1 Credit Report is not Expired. - Due Diligence Vendor-04/23/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $9,008.46 residual income<br>Months Reserves exceed minimum required - 4 months required, borrower has 12 months.<br>On time mortgage history exceeds guideline requirement - VOR in file reflects borrower has 0x30x24 months rental history. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863647 | xxxxxx C B A | Closed | xxxxxx | 2026-04-08 13:14 | 2026-04-08 13:35 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/08/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/08/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $9,008.46 residual income<br>Months Reserves exceed minimum required - 4 months required, borrower has 12 months.<br>On time mortgage history exceeds guideline requirement - VOR in file reflects borrower has 0x30x24 months rental history. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863649 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 863663 | xxxxxx C B A | Closed | xxxxxx | 2026-04-02 21:12 | 2026-04-07 16:40 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Client acknowledges the discrepancy and the Note is accurate. - Due Diligence Vendor-04/07/2026 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '0' Diligence value '60'. Tape prepayment reflects 0; Note reflects 60 month prepayment penalty. - Due Diligence Vendor-04/03/2026 |  | Resolved-Client acknowledges the discrepancy and the Note is accurate. - Due Diligence Vendor-04/07/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 42.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 814 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863663 | xxxxxx C B A | Closed | xxxxxx | 2026-04-03 05:57 | 2026-04-07 09:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/07/2026 <br> Open-Prepayment Penalty is not allowed. Prepayment Penalty is not allowed on LLC in xxxxxx. - Due Diligence Vendor-04/03/2026 |  | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/07/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 42.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 814 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 863663 | xxxxxx C B A | Closed | xxxxxx | 2026-04-03 06:01 | 2026-04-07 09:33 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding - Due Diligence Vendor-04/07/2026 <br> Open-Missing Approval/Underwriting Summary. - Due Diligence Vendor-04/03/2026 |  | Waived-Client waiver applied to non material finding - Due Diligence Vendor-04/07/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 42.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 814 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 863670 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863691 | xxxxxx D A | Closed | xxxxxx | 2026-04-13 21:07 | 2026-04-17 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA verification. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/16/2026 <br> Open-Borrower 1 CPA Letter Missing • CPA Letter provided however, missing CPA validation documentation, as guidelines require that the most recent 12 month P&L statement be prepared by a CPA or licensed tax preparer firm. Additionally Documents prepared by PTINs are not acceptable. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/16/2026<br>| Resolved-Received CPA verification. - Due Diligence Vendor-04/17/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863691 | xxxxxx D A | Closed | xxxxxx | 2026-04-13 22:00 | 2026-04-17 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/16/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/16/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-04/17/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863693 | xxxxxx C A | Closed | xxxxxx | 2026-04-22 16:19 | 2026-05-05 08:49 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Corrected OFAC check. - Due Diligence Vendor-05/05/2026 <br> Counter-Received OFAC however the spelling of the non borrowering spouse is incorrect. Per DOT it should be xxxxxx xxxxxx xxxxxx and OFAC has xxxxxx. Please correct spelling - Due Diligence Vendor-04/29/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Need Borrowers spouse checked through OFAC as she signed mortgage and final CD. - Due Diligence Vendor-04/22/2026 |  | Resolved-Received Corrected OFAC check. - Due Diligence Vendor-05/05/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 66.84<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.59 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863693 | xxxxxx C A | Closed | xxxxxx | 2026-04-22 16:27 | 2026-04-28 11:59 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Upon further review, assets verified within application date are acceptable. - Due Diligence Vendor-04/28/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Borrower is a non-permanent resident alien and must source any deposits greater than 100% of the borrowers qualifying income: Personal bank account - dated 2/2/26. Business Bank account - deposits 12/5/25 $483,239.24, 12/23/25 $200,000 and 12/29/25 $150,000. - Due Diligence Vendor-04/22/2026 |  | Resolved-Upon further review, assets verified within application date are acceptable. - Due Diligence Vendor-04/28/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 66.84<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.59 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863693 | xxxxxx C A | Closed | xxxxxx | 2026-04-21 11:56 | 2026-04-28 07:18 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for Lender Credit. Finding Resolved. - Due Diligence Vendor-04/28/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,294.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $1294.00 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1294.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/21/2026 |  | Resolved-Received COC for Lender Credit. Finding Resolved. - Due Diligence Vendor-04/28/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 66.84<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.59 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863693 | xxxxxx C A | Closed | xxxxxx | 2026-04-22 16:38 | 2026-04-24 17:33 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Upon further review, prior purchase settlement statement and invoice of improvement are in file. LTV updated. - Due Diligence Vendor-04/24/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. LTV exceeds guides since property was purchased less than 6 months between prior purchase note date and note date for this for transaction. - Due Diligence Vendor-04/22/2026 |  | Resolved-Upon further review, prior purchase settlement statement and invoice of improvement are in file. LTV updated. - Due Diligence Vendor-04/24/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 66.84<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.59 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863693 | xxxxxx C A | Closed | xxxxxx | 2026-04-22 21:18 | 2026-04-24 17:30 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, prior purchase settlement statement and invoice of improvement are in file. - Due Diligence Vendor-04/24/2026 <br> Open-Audited LTV of 82.8% exceeds Guideline LTV of 75% Borrower has not owned property six month prior to closing of this transaction. LTV would be based upon original sales price when property was purchased in xxxxxx. LTV exceeds guidelines. Need copy of fully executed CD/Settlement statement from when they purchased property and any copies of invoices for material/labor if any updates were completed after purchase. Additional condition could apply. - Due Diligence Vendor-04/23/2026 |  | Resolved-Upon further review, prior purchase settlement statement and invoice of improvement are in file. - Due Diligence Vendor-04/24/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 66.84<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.59 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863694 | xxxxxx C A | Closed | xxxxxx | 2026-04-09 10:34 | 2026-06-08 17:42 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/09/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Months Reserves exceed minimum required - 14.38mos reserves. Per guides, 4 reserves required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income $38873.<br>Credit history exceeds minimum required - exceed minimum tradeline requirements |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863699 | xxxxxx C A | Closed | xxxxxx | 2026-04-06 18:59 | 2026-04-17 09:47 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-The Loan Billing Statement documents the payment history on all three loans listed above. The loan with xxxxxx for xxxxxx+ is a cross-collateral loan in which they released three properties with a release price of xxxxxx. Loan number xxxxxx is on pay history printouts and the partial release/paydown. The paydown also references the individual addresses of xxxxxx, and xxxxxx to tie them together and title reflects xxxxxx liens. - Due Diligence Vendor-04/17/2026 <br> Counter-Received partial release for 3 properties. Missing payoff for subject property. - Due Diligence Vendor-04/15/2026 <br> Open-Missing payoff demand which supports the funds paid on the settlement statement. Other findings may apply. - Due Diligence Vendor-04/06/2026 |  | Resolved-The Loan Billing Statement documents the payment history on all three loans listed above. The loan with xxxxxx for xxxxxx is a cross-collateral loan in which they released three properties with a release price of xxxxxx. Loan number xxxxxx is on pay history printouts and the partial release/paydown. The paydown also references the individual addresses of xxxxxx, and xxxxxx to tie them together and title reflects xxxxxx liens. - Due Diligence Vendor-04/17/2026 | Months Reserves exceed minimum required - Reserves: 20 Min 6<br>LTV is less than guideline maximum - Required is 75 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863699 | xxxxxx C A | Closed | xxxxxx | 2026-04-06 18:55 | 2026-04-17 09:47 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The Loan Billing Statement documents the payment history on all three loans listed above. The loan with xxxxxx for xxxxxx is a cross-collateral loan in which they released three properties with a release price of xxxxxx. Loan number xxxxxx is on pay history printouts and the partial release/paydown. The paydown also references the individual addresses of xxxxxx, and xxxxxx to tie them together and title reflects xxxxxx liens. - Due Diligence Vendor-04/17/2026 <br> Counter-Received property profile confirming primary residence owned free and clear. Received Loan Billing Statement that does not identify property nor lender and only identifies xxxxxx. Please provide acceptable validation of 12 months payments for subject property. - Due Diligence Vendor-04/15/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing documentation which confirms borrower's primary and subject housing payment history that meets lender guideline minimum. Other findings may apply. - Due Diligence Vendor-04/06/2026 |  | Resolved-The Loan Billing Statement documents the payment history on all three loans listed above. The loan with xxxxxx for xxxxxx is a cross-collateral loan in which they released three properties with a release price of xxxxxx. Loan number xxxxxx is on pay history printouts and the partial release/paydown. The paydown also references the individual addresses of xxxxxx, and xxxxxx to tie them together and title reflects xxxxxx liens. - Due Diligence Vendor-04/17/2026 | Months Reserves exceed minimum required - Reserves: 20 Min 6<br>LTV is less than guideline maximum - Required is 75 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863699 | xxxxxx C A | Closed | xxxxxx | 2026-04-06 18:18 | 2026-04-16 08:58 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title Coverage - Title Coverage Amount of xxxxxx is sufficient based on the type of subject lien - Due Diligence Vendor-04/16/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing title commitment and/or title policy which reflects the final loan amount of xxxxxx as reflected on the Note. Other findings may apply. - Due Diligence Vendor-04/06/2026 |  | Resolved-Received updated Title Coverage - Title Coverage Amount of xxxxxx is sufficient based on the type of subject lien - Due Diligence Vendor-04/16/2026 | Months Reserves exceed minimum required - Reserves: 20 Min 6<br>LTV is less than guideline maximum - Required is 75 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863704 | xxxxxx C A | Closed | xxxxxx | 2026-04-06 20:48 | 2026-04-17 09:48 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The Loan Billing Statement documents the payment history on all three loans listed above. The loan with xxxxxx for xxxxxx is a cross-collateral loan in which they released three properties with a release price of xxxxxx. Loan number xxxxxx is on pay history printouts and the partial release/paydown. The paydown also references the individual addresses of xxxxxx, and xxxxxx to tie them together and title reflects xxxxxx liens. - Due Diligence Vendor-04/17/2026 <br> Counter-Received 12 months of statements however the Collateral listed is xxxxxx which is not our primary or subject. Finding remains - Due Diligence Vendor-04/16/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing documentation which confirms borrower's primary and subject housing payment history that meets lender guideline minimum. Other findings may apply. - Due Diligence Vendor-04/07/2026 |  | Resolved-The Loan Billing Statement documents the payment history on all three loans listed above. The loan with xxxxxx for xxxxxx is a cross-collateral loan in which they released three properties with a release price of xxxxxx. Loan number xxxxxx is on pay history printouts and the partial release/paydown. The paydown also references the individual addresses of xxxxxx, and xxxxxx to tie them together and title reflects xxxxxx liens. - Due Diligence Vendor-04/17/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863704 | xxxxxx C A | Closed | xxxxxx | 2026-04-06 20:49 | 2026-04-17 09:44 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-The Loan Billing Statement documents the payment history on all three loans listed above. The loan with xxxxxx for xxxxxx is a cross-collateral loan in which they released three properties with a release price of xxxxxx. Loan number xxxxxx is on pay history printouts and the partial release/paydown. The paydown also references the individual addresses of xxxxxx, and xxxxxx to tie them together and title reflects xxxxxx liens. - Due Diligence Vendor-04/17/2026 <br> Counter-Received partial payoff however the amounts for all 3 properties are lumped together. CD reflects payoff of xxxxxx, document this amount matches what is due on loan with xxxxxx - Due Diligence Vendor-04/16/2026 <br> Open-Missing payoff demand which supports the funds paid on the settlement statement. Other findings may apply. - Due Diligence Vendor-04/07/2026 |  | Resolved-The Loan Billing Statement documents the payment history on all three loans listed above. The loan with xxxxxx for xxxxxx is a cross-collateral loan in which they released three properties with a release price of xxxxxx. Loan number xxxxxx is on pay history printouts and the partial release/paydown. The paydown also references the individual addresses of xxxxxx, and xxxxxx to tie them together and title reflects xxxxxx liens. - Due Diligence Vendor-04/17/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 779 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863719 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 10:56 | 2026-04-15 09:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material due to only 6 months short housing history and not FTHB.<br> - Due Diligence Vendor-04/15/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Allow FTI owning primary for only 6 months vs 12 months. Exception in loan file. - Due Diligence Vendor-04/14/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material due to only 6 months short housing history and not FTHB.<br> - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 748<br>LTV is less than guideline maximum - Required is 70 Borrower has 65 | 748 Fico (700)<br> DSCR 1.215% (1%)<br> LTV 5% lower than max allowed | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 863727 | xxxxxx D A | Closed | xxxxxx | 2026-03-31 17:39 | 2026-04-07 11:37 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Received documentation to support not a FTHB. - Due Diligence Vendor-04/07/2026 <br> Counter-Client provided Property Detail that reflects borrower being place on title xxxxxx. Unable to validate the housing history required for 12 months - Due Diligence Vendor-04/06/2026 <br> Open-Borrower cannot be a first time investor and FTHB. - Due Diligence Vendor-03/31/2026 |  | Resolved-Received documentation to support not a FTHB. - Due Diligence Vendor-04/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 721<br>Months Reserves exceed minimum required - Reserves: 220 Min 3 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863727 | xxxxxx D A | Closed | xxxxxx | 2026-03-30 21:59 | 2026-04-06 09:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-04/06/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Dwelling coverage expiration date is incorrect as it states xxxxxx. Please provide updated policy with the correct expiration date. - Due Diligence Vendor-03/31/2026 |  | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 721<br>Months Reserves exceed minimum required - Reserves: 220 Min 3 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863755 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-30 12:11 | 2026-06-08 17:22 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/30/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - DTI 37.68 max 50%. Required is 50 Borrower has 37.68<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 797 min score 680. Required is 680 Borrower has 797 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863755 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-30 12:11 | 2026-05-18 12:38 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-05/18/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $700,159.12. The disclosed finance charge of $699,949.50 is not considered accurate because it is understated by more than $100. ----- This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $700,159.12. The disclosed finance charge of $699,949.50 is not considered accurate because it is understated by more than $100 at $209.62. Provide evidence of refund or principal reduction of $209.62, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-04/30/2026 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-05/18/2026 | Qualifying DTI below maximum allowed - DTI 37.68 max 50%. Required is 50 Borrower has 37.68<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 797 min score 680. Required is 680 Borrower has 797 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863755 | xxxxxx D B A C | Closed | xxxxxx | 2026-05-04 08:57 | 2026-05-07 09:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter, CPA verification, and SOS. - Due Diligence Vendor-05/07/2026 <br> Open-Borrower 1 CPA Letter Missing Missing verification of business for 2 years. <br> - Due Diligence Vendor-05/04/2026 |  | Resolved-Received CPA letter, CPA verification, and SOS. - Due Diligence Vendor-05/07/2026<br>| Qualifying DTI below maximum allowed - DTI 37.68 max 50%. Required is 50 Borrower has 37.68<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 797 min score 680. Required is 680 Borrower has 797 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863755 | xxxxxx D B A C | Closed | xxxxxx | 2026-05-04 07:12 | 2026-05-06 09:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-05/06/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing GAP report. - Due Diligence Vendor-05/04/2026 |  | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-05/06/2026<br>| Qualifying DTI below maximum allowed - DTI 37.68 max 50%. Required is 50 Borrower has 37.68<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 797 min score 680. Required is 680 Borrower has 797 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863805 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-20 15:47 | 2026-04-24 10:53 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received asset documentation - Due Diligence Vendor-04/24/2026 <br> Counter-Pending Asset Finding. - Due Diligence Vendor-04/23/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-04/20/2026 |  | Resolved-Received asset documentation - Due Diligence Vendor-04/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863805 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-20 16:02 | 2026-04-24 10:50 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received 401K Terms. - Due Diligence Vendor-04/24/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Large deposit to xxxxxx from xxxxxx not sourced. 401K terms of withdrawal not provided. - Due Diligence Vendor-04/20/2026 |  | Resolved-Received 401K Terms. - Due Diligence Vendor-04/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863805 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-20 13:09 | 2026-04-23 12:54 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-04/23/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-04/20/2026 |  | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863805 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-17 16:47 | 2026-04-23 09:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/23/2026 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-04/17/2026 |  | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863805 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-17 16:09 | 2026-04-23 09:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003. Finding Resolved. - Due Diligence Vendor-04/23/2026 <br> Open-The Initial 1003 is Missing -----Initial 1003 is not in file, please provide for clarification of application date. - Due Diligence Vendor-04/17/2026 |  | Resolved-Received Initial 1003. Finding Resolved. - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863805 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-17 16:23 | 2026-04-17 16:23 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/17/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 756<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863806 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-17 09:58 | 2026-06-08 17:33 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.77 Required is 50 Borrower has 11.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 Required is 700 Borrower has 801 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863806 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-20 09:07 | 2026-04-30 10:35 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received CPA letter confirming access to business funds with no negative impact. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. CPA letter that was provided in condition# xxxxxx<br>- Seller-04/29/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements missing documentation to prove that the withdrawal of funds will not negatively impact<br> the business - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. CPA letter that was provided in condition# xxxxxx<br>- Seller-04/29/2026 | Resolved-Received CPA letter confirming access to business funds with no negative impact. - Due Diligence Vendor-04/30/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.77 Required is 50 Borrower has 11.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 Required is 700 Borrower has 801 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863806 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-20 09:53 | 2026-04-27 10:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received Title - Due Diligence Vendor-04/27/2026 <br> Counter-Received Lenders Supplemental Report page 7 of 19 that indicate no Conveyances recorded in last 24 months. Schedule B document Deeds recorded 12/12/24 and 10/17/25, but do not cover 24 months chain of title. Finding remains. - Due Diligence Vendor-04/23/2026 <br> Open-Title Document is missing with 24 mo chain of title. - Due Diligence Vendor-04/20/2026 |  | Resolved-Received Title - Due Diligence Vendor-04/27/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.77 Required is 50 Borrower has 11.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 Required is 700 Borrower has 801 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863806 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-17 12:55 | 2026-04-27 07:24 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx correcting Payee in Section B. Finding Resolved. - Due Diligence Vendor-04/27/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----(Tax Service) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx.<br> - Due Diligence Vendor-04/17/2026 |  | Resolved-Received PCCD xxxxxx correcting Payee in Section B. Finding Resolved. - Due Diligence Vendor-04/27/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.77 Required is 50 Borrower has 11.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 Required is 700 Borrower has 801 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863806 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-20 08:41 | 2026-04-23 13:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter confirming 30 yrs of SE. - Due Diligence Vendor-04/23/2026 <br> Open-Borrower 1 CPA Letter Missing CPA letter not in file confirming a minimum of 2 years of business - Due Diligence Vendor-04/20/2026 |  | Resolved-Received CPA letter confirming 30 yrs of SE. - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.77 Required is 50 Borrower has 11.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 Required is 700 Borrower has 801 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863806 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-17 09:38 | 2026-04-17 10:03 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/17/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.77 Required is 50 Borrower has 11.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 Required is 700 Borrower has 801 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863826 | xxxxxx D A | Closed | xxxxxx | 2026-04-10 11:38 | 2026-04-23 13:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received Title. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/23/2026 <br> Open-Title Document is missing - Due Diligence Vendor-04/10/2026 |  | Resolved-Received Title. - Due Diligence Vendor-04/23/2026<br>| Credit history exceeds minimum required - <br> Credit History = 78 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - 83.88 mos reserves; 6 mos requierd |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863853 | xxxxxx D A | Closed | xxxxxx | 2026-05-08 18:10 | 2026-05-28 15:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-After further review, the social security is for the borrower's parents. - Due Diligence Vendor-05/28/2026 <br> Open-Provide 3 year continuance documentation for both Social Security letters provided in order to use. - Due Diligence Vendor-05/08/2026 |  | Resolved-After further review, the social security is for the borrower's parents. - Due Diligence Vendor-05/28/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863853 | xxxxxx D A | Closed | xxxxxx | 2026-05-08 17:58 | 2026-05-28 15:04 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-After further review, the social security is for the borrower's parents. - Due Diligence Vendor-05/28/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending proof of continuance for SS income received for minors. - Due Diligence Vendor-05/08/2026 |  | Resolved-After further review, the social security is for the borrower's parents. - Due Diligence Vendor-05/28/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863853 | xxxxxx D A | Closed | xxxxxx | 2026-05-08 14:53 | 2026-05-28 10:07 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Received HOI updating address included xxxxxx after xxxxxx in Address. - Due Diligence Vendor-05/28/2026 <br> Open-Subject Property on Note does not match Insured Property Address Correct address on homeowner's insurance to full address listed on final title, note and mortgage. - Due Diligence Vendor-05/08/2026 |  | Resolved-Received HOI updating address included xxxxxx after xxxxxx in Address. - Due Diligence Vendor-05/28/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863853 | xxxxxx D A | Closed | xxxxxx | 2026-05-08 17:50 | 2026-05-26 09:29 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received December and January statement #xxxxxx - Due Diligence Vendor-05/26/2026 <br> Counter-For clarification: Investment account xxxxxx. Review only received 2/28 statement. Please provide additional months statement. - Due Diligence Vendor-05/18/2026 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Missing December statement. 60 days required. - Due Diligence Vendor-05/08/2026 |  | Resolved-Received December and January statement xxxxxx - Due Diligence Vendor-05/26/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863860 | xxxxxx C A | Closed | xxxxxx | 2026-05-15 09:33 | 2026-05-15 09:36 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received Final 1003. - Due Diligence Vendor-05/15/2026 <br> Open-The Final 1003 is Incomplete Final Loan application is incomplete as it does not reflect the creditor for borrower's primary residence according to the Note and Mortgage included in lender's loan file. Other findings may apply. - Due Diligence Vendor-05/15/2026 |  | Resolved-Received Final 1003. - Due Diligence Vendor-05/15/2026<br>| Months Reserves exceed minimum required - Reserves: 461 Min 3 <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 769 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863863 | xxxxxx D A | Closed | xxxxxx | 2026-04-21 08:13 | 2026-04-24 13:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, no additional documentation is required. - Due Diligence Vendor-04/24/2026 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt - Due Diligence Vendor-04/21/2026 |  | Resolved-Upon further review, no additional documentation is required. - Due Diligence Vendor-04/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 698<br>LTV is less than guideline maximum - Required is 80 Borrower has 69.75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863864 | xxxxxx B A | Closed | xxxxxx | 2026-04-08 22:22 | 2026-04-23 13:38 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received Loan Approval - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/23/2026 <br> Open-Missing Approval/Underwriting Summary The loan file is missing a loan approval and a 1008. - Due Diligence Vendor-04/09/2026 |  | Resolved-Received Loan Approval - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 758 Required is 700 Borrower has 758<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75<br>Months Reserves exceed minimum required - Guidelines require 6 months reserves and the borrower has over 20 months verified. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863869 | xxxxxx B A | Closed | xxxxxx | 2026-04-27 14:00 | 2026-04-29 11:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Client waiver applied to non-material findings - Due Diligence Vendor-04/27/2026 |  | Waived-Client waiver applied to non-material findings - Due Diligence Vendor-04/27/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $50,600 residual income exceeds $5250.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.74 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863901 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863905 | xxxxxx C B A | Closed | xxxxxx | 2026-04-06 11:32 | 2026-04-06 11:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-xxxxxx: Prepayment penalties are not allowed when vesting in an individual, LLC, LLP, or LP-COMMENT: Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/06/2026 <br> Open-xxxxxx: Prepayment penalties are not allowed when vesting in an individual, LLC, LLP, or LP - Due Diligence Vendor-04/06/2026 |  | Waived-xxxxxx: Prepayment penalties are not allowed when vesting in an individual, LLC, LLP, or LP-COMMENT: Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 766<br>LTV is less than guideline maximum - Required is 80 Borrower has 61.82<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.004 Required is 0.75 Borrower has 1.004 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 863907 | xxxxxx C B A | Closed | xxxxxx | 2026-05-01 08:01 | 2026-05-01 13:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/01/2026 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Lenders Exception pg 761<br> Allow Rural Property with 5 acres with 5 of 6 comps over 5 miles vs Rural Property Ineligible<br> - Due Diligence Vendor-05/01/2026 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/01/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 776 is higher than the required 680 Required is 680 Borrower has 776<br>CLTV is less than guidelines maximum - CLTV 60.94% is lower than maximum 90% Required is 90 Borrower has 60.94<br>Qualifying DTI below maximum allowed - DTI 38.66% is lower than allowable 50% Required is 50 Borrower has 38.66 | Comps<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Employed at same job > 10 years<br> Credit Score 30+ points > minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 863915 | xxxxxx D A | Closed | xxxxxx | 2026-04-09 10:14 | 2026-04-24 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/23/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/09/2026 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-04/24/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863930 | xxxxxx D A | Closed | xxxxxx | 2026-04-20 17:46 | 2026-04-30 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Resolved-Received 2023 Personal and Business Tax returns. - Due Diligence Vendor-04/30/2026 <br> Counter-Received all pages of the 2024 tax returns. Please provide all pages of the 2023 tax returns. - Due Diligence Vendor-04/24/2026 <br> Open-Borrower 1 Business Tax Returns Missing Tax returns are missing K1 and all pages, additional findings may apply. - Due Diligence Vendor-04/20/2026 |  | Resolved-Received 2023 Personal and Business Tax returns. - Due Diligence Vendor-04/30/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 863930 | xxxxxx D A | Closed | xxxxxx | 2026-04-20 18:51 | 2026-04-30 10:09 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Tax returns. - Due Diligence Vendor-04/30/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending income - Due Diligence Vendor-04/20/2026 |  | Resolved-Received Tax returns. - Due Diligence Vendor-04/30/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 863932 | xxxxxx C A | Closed | xxxxxx | 2026-05-11 09:28 | 2026-06-08 17:17 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/11/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 665 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863932 | xxxxxx C A | Closed | xxxxxx | 2026-05-13 10:47 | 2026-05-20 11:49 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received UDM - Due Diligence Vendor-05/20/2026 <br> Counter-Received first pages of Fraud Report dated 4/14 reflecting Monitoring not started. Please provide UDM or credit refresh. - Due Diligence Vendor-05/19/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Gap credit report is missing. additional conditions may apply, pending review. - Due Diligence Vendor-05/13/2026 |  | Resolved-Received UDM - Due Diligence Vendor-05/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 665 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863932 | xxxxxx C A | Closed | xxxxxx | 2026-05-12 21:27 | 2026-05-20 11:48 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM. - Due Diligence Vendor-05/20/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report 4/16/2026 is Expired (Greater than 10 days from Closing/Settlement Date xxxxxx). - Due Diligence Vendor-05/13/2026 |  | Resolved-Received UDM. - Due Diligence Vendor-05/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 665 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863932 | xxxxxx C A | Closed | xxxxxx | 2026-05-12 19:09 | 2026-05-15 10:56 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-After further review, the appraiser did not state there are no xxxxxx present. - Due Diligence Vendor-05/15/2026 <br> Open-Property Issues are identified for the property Appraiser did not note the presence of xxxxxx Per xxxxxx state legislation: effective xxxxxx required in residential settings for both new and existing homes. Effective xxxxxx required for dwelling units that feature attached xxxxxx. - Due Diligence Vendor-05/12/2026 |  | Resolved-After further review, the appraiser did not state there are no xxxxxx present. - Due Diligence Vendor-05/15/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 665 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863947 | xxxxxx D A | Closed | xxxxxx | 2026-04-23 12:28 | 2026-05-07 17:48 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-As the VOD is dated within 30 days of the loan application and guidelines do not require large deposits to be sourced- there are no seasoning requirements to meet. VOD provided meets G/L requirements. - Due Diligence Vendor-05/07/2026 <br> Counter-Received Note requesting exception but nothing provided. Document does not show whether it's a 30,60,90 day VOD therefore unable to determine if funds are seasoned. Other conditions may apply - Due Diligence Vendor-05/07/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing 1 month bank statements printout. what was provided was a letter from xxxxxx. - Due Diligence Vendor-04/23/2026 |  | Resolved-As the VOD is dated within 30 days of the loan application and guidelines do not require large deposits to be sourced- there are no seasoning requirements to meet. VOD provided meets G/L requirements. - Due Diligence Vendor-05/07/2026<br>| LTV is less than guideline maximum - LTV 55.56% max 80%. Required is 80 Borrower has 55.56<br>Qualifying DTI below maximum allowed - DTI 42.28 mas 50%. Required is 50 Borrower has 42.28<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 692 min score 660. Required is 660 Borrower has 692 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863947 | xxxxxx D A | Closed | xxxxxx | 2026-04-23 12:07 | 2026-05-07 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received Condo Master policy, sufficient coverages - Due Diligence Vendor-05/07/2026 <br> Open-Missing Condo Master Insurance Policy Missing Condo Maser Insurance policy. - Due Diligence Vendor-04/23/2026 |  | Resolved-Received Condo Master policy, sufficient coverages - Due Diligence Vendor-05/07/2026<br>| LTV is less than guideline maximum - LTV 55.56% max 80%. Required is 80 Borrower has 55.56<br>Qualifying DTI below maximum allowed - DTI 42.28 mas 50%. Required is 50 Borrower has 42.28<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 692 min score 660. Required is 660 Borrower has 692 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863947 | xxxxxx D A | Closed | xxxxxx | 2026-04-23 12:07 | 2026-05-07 10:17 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received Master policy and fidelity coverage is reflected - Due Diligence Vendor-05/07/2026 <br> Open-Fidelity Coverage not met. Missing Condo master policy to verify fidelity coverage. - Due Diligence Vendor-04/23/2026 |  | Resolved-Received Master policy and fidelity coverage is reflected - Due Diligence Vendor-05/07/2026<br>| LTV is less than guideline maximum - LTV 55.56% max 80%. Required is 80 Borrower has 55.56<br>Qualifying DTI below maximum allowed - DTI 42.28 mas 50%. Required is 50 Borrower has 42.28<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 692 min score 660. Required is 660 Borrower has 692 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863947 | xxxxxx D A | Closed | xxxxxx | 2026-04-23 12:07 | 2026-05-07 10:05 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Rec'd PCCD, disbursement date of xxxxxx, HOI effective date is xxxxxx - Due Diligence Vendor-05/07/2026 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-04/23/2026 |  | Resolved-Rec'd PCCD, disbursement date of xxxxxx, HOI effective date is xxxxxx - Due Diligence Vendor-05/07/2026 | LTV is less than guideline maximum - LTV 55.56% max 80%. Required is 80 Borrower has 55.56<br>Qualifying DTI below maximum allowed - DTI 42.28 mas 50%. Required is 50 Borrower has 42.28<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 692 min score 660. Required is 660 Borrower has 692 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864005 | xxxxxx C A | Closed | xxxxxx | 2026-05-01 09:20 | 2026-05-07 12:54 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review the borrower has no late rent payments in the last 12 months. The borrower was late on 12/24 and 1/25 however the loan closed xxxxxx. - Due Diligence Vendor-05/07/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Rental history does not meet 0x30x60 requirement. Exception in file by Lender, not approved by Client.<br> - Due Diligence Vendor-05/01/2026 |  | Resolved-After further review the borrower has no late rent payments in the last 12 months. The borrower was late on 12/24 and 1/25 however the loan closed xxxxxx - Due Diligence Vendor-05/07/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.7 Required is 50 Borrower has 17.7<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773 Required is 660 Borrower has 773 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864005 | xxxxxx C A | Closed | xxxxxx | 2026-05-01 07:43 | 2026-05-06 10:03 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Written Consent of Sole members authority to sign list for xxxxxx - Due Diligence Vendor-05/06/2026 <br> Open-Property Title Issue Provide the LLC documents for the Selling LLC so that it may be verified there is no relationship between buyer and seller. A review of Opencorporates was inconclusive. Additional findings may apply.<br> - Due Diligence Vendor-05/01/2026 |  | Resolved-Received Written Consent of Sole members authority to sign list for xxxxxx - Due Diligence Vendor-05/06/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.7 Required is 50 Borrower has 17.7<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773 Required is 660 Borrower has 773 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864006 | xxxxxx D A | Closed | xxxxxx | 2026-04-09 19:47 | 2026-04-17 09:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-xxxxxx rebranded to xxxxxx. - Due Diligence Vendor-04/17/2026 <br> Counter-Received HOI Policy, Mortgagee is shown as xxxxxx, please refer to original finding - Due Diligence Vendor-04/16/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided The Note verified the lender as xxxxxx Per Notes, the hazard policy is required to list xxxxxx as the mortgagee. The policy is missing the required information. - Due Diligence Vendor-04/09/2026 |  | Resolved-xxxxxx rebranded to xxxxxx. - Due Diligence Vendor-04/17/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 72.18 Required is 80 Borrower has 72.18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 726 Required is 640 Borrower has 726 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864006 | xxxxxx D A | Closed | xxxxxx | 2026-04-09 19:47 | 2026-04-17 09:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Received Flood Certificate fully completed - Due Diligence Vendor-04/16/2026 <br> Open-Flood Certificate is Partially Provided The flood certificate number is not on the certificate. - Due Diligence Vendor-04/09/2026 |  | Resolved-Received Flood Certificate fully completed - Due Diligence Vendor-04/16/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 72.18 Required is 80 Borrower has 72.18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 726 Required is 640 Borrower has 726 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864006 | xxxxxx D A | Closed | xxxxxx | 2026-04-09 17:16 | 2026-04-16 11:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax bill which reflects xxxxxx as of xxxxxx - Due Diligence Vendor-04/16/2026 <br> Open-Missing Evidence of Property Tax Missing tax document supporting annual amount of xxxxxx - Due Diligence Vendor-04/09/2026 |  | Resolved-Received tax bill which reflects xxxxxx as of xxxxxx - Due Diligence Vendor-04/16/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 72.18 Required is 80 Borrower has 72.18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 726 Required is 640 Borrower has 726 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864010 | xxxxxx C B A | Closed | xxxxxx | 2026-04-08 13:18 | 2026-04-20 17:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/20/2026 <br> Open-Prepayment Penalty is not allowed. Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/08/2026 |  | Waived-Client waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-04/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701 Required is 660 Borrower has 701<br>LTV is less than guideline maximum - Required is 75 Borrower has 64.3 Required is 75 Borrower has 64.3<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.455 Required is 0.75 Borrower has 1.455 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 864024 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864034 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-09 07:32 | 2026-04-28 15:22 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/22/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Verification of payment history and PITI missing for primary residence (xxxxxx). Additional findings may apply.<br> Verification of new PI payment for property xxxxxx missing. Additional findings may apply. - Due Diligence Vendor-04/09/2026 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/22/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 50<br>On time mortgage history exceeds guideline requirement - All mortgages report reflect no lates for up to 97 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864034 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-09 06:19 | 2026-04-22 09:57 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received HOI for all REOs. - Due Diligence Vendor-04/22/2026 <br> Counter-Payment history for subject reports on CR over 12 months(this used to be primary per 1003) Received Property Detail reports for xxxxxx and xxxxxx which reflects taxes and shows as SFD. Missing HOI for xxxxxx and xxxxxx. Other conditions may apply - Due Diligence Vendor-04/20/2026 <br> Counter-Received Note for xxxxxx and xxxxxx. Missing Taxes and HOA for both properties. If no HOA dues on either property LOX from borrower advising this. Payment history missing for xxxxxx - Due Diligence Vendor-04/16/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Verification of Primary residence xxxxxx PITI and payment history missing from loan file. Additional findings may apply. <br> Verification of new PI missing for property xxxxxx. <br> Additional findings may apply. - Due Diligence Vendor-04/09/2026 |  | Resolved-Received HOI for all REOs. - Due Diligence Vendor-04/22/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 50<br>On time mortgage history exceeds guideline requirement - All mortgages report reflect no lates for up to 97 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864034 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-09 06:09 | 2026-04-15 11:05 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 W2/1099 Less Than 24 Months Provided | Resolved-Upon further review loan was qualified on 1 year xxxxxx. 2 years W-2 not required, 1 year in file. - Due Diligence Vendor-04/15/2026 <br> Open-Borrower 1 W2/1099 Less Than 24 Months Provided 2024 W2 missing from loan file. Additional findings may apply. - Due Diligence Vendor-04/09/2026 |  | Resolved-Upon further review loan was qualified on 1 year xxxxxx. 2 years W-2 not required, 1 year in file. - Due Diligence Vendor-04/15/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 50<br>On time mortgage history exceeds guideline requirement - All mortgages report reflect no lates for up to 97 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864034 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-08 13:53 | 2026-04-15 07:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/15/2026 <br> Open-Right of Rescission is Missing -----Missing executed Right of Rescission. Please provide. - Due Diligence Vendor-04/08/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/15/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 50<br>On time mortgage history exceeds guideline requirement - All mortgages report reflect no lates for up to 97 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864034 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-09 06:32 | 2026-04-10 15:27 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-04/10/2026 <br> Open-Missing Approval/Underwriting Summary Loan is missing Approval/Underwriting Summary. Additional findings may apply, pending review. - Due Diligence Vendor-04/09/2026 |  | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-04/10/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 50<br>On time mortgage history exceeds guideline requirement - All mortgages report reflect no lates for up to 97 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 864034 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-09 07:18 | 2026-04-10 14:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow. - Due Diligence Vendor-04/10/2026 <br> Open-Max xxxxxx exposure is $5,000,000 for xxxxxx for 1 borrower, seek exception to xxxxxx. The file contains an approved exception. - Due Diligence Vendor-04/09/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow. - Due Diligence Vendor-04/10/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 50<br>On time mortgage history exceeds guideline requirement - All mortgages report reflect no lates for up to 97 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 804 | Credit Score 30+ points > minimum required<br> Residual income more than 2.5x the amount required by guidelines<br> 0x30 for 48 months on subject mortgage | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 864043 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 08:06 | 2026-04-21 08:04 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received Trust documents that show xxxxxx - Due Diligence Vendor-04/21/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Purchase contract has seller - xxxxxx who does not match with title and appraisal. provide documentation she is authorized representative of xxxxxx of the xxxxxx dated xxxxxx - Due Diligence Vendor-04/15/2026 |  | Resolved-Received Trust documents that show xxxxxx - Due Diligence Vendor-04/21/2026 | LTV is less than guideline maximum - LTV 65% max 75%. Required is 75 Borrower has 65<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.228 min DSCR 0.00 Required is 0 Borrower has 1.228<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 672 min score 640. Required is 640 Borrower has 672 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864056 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864090 | xxxxxx D C A | Closed | xxxxxx | 2026-04-08 13:41 | 2026-05-04 07:22 | Waived | 3 - Material C | Compliance | ComplianceEase | Initial Loan Estimate Delivery Date Test (prior to consummation) | Waived-Investor agrees to accept as xxxxxx with 1 years SOL which expires xxxxxx - Due Diligence Vendor-05/04/2026 <br> Open-This loan failed the initial loan estimate delivery date test (prior to consummation) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(B))The initial loan estimate delivery date is less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orThe initial loan estimate delivery date is on or after consummation of the transaction.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i) (provision of loan estimate form) not later than the seventh business day before consummation of the transaction. --------Initial LE xxxxxx not provided to borrower a minimum of 7 days prior to consummation xxxxxx counting all calendar days except Saturday (excluded for initial LE), Sunday and Federal Holidays. There is no obvious cure for this violation. statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-04/08/2026 |  | Waived-Investor agrees to accept as xxxxxx with 1 years SOL which expires xxxxxx - Due Diligence Vendor-05/04/2026 | Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. <br> Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 864090 | xxxxxx D C A | Closed | xxxxxx | 2026-04-08 13:41 | 2026-05-04 07:22 | Waived | 3 - Material C | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Waived-Investor agrees to accept as xxxxxx with 3 years SOL which expires xxxxxx. - Due Diligence Vendor-05/04/2026 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). ---------The written list of service providers disclosure date is less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction. [Due to LE not 7 days prior to Close date. Unable to test properly. Additional finings may apply upon receipt.] - Due Diligence Vendor-04/08/2026 |  | Waived-Investor agrees to accept as xxxxxx with 3 years SOL which expires xxxxxx - Due Diligence Vendor-05/04/2026 | Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. <br> Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 864090 | xxxxxx D C A | Closed | xxxxxx | 2026-04-08 13:41 | 2026-05-04 07:21 | Waived | 3 - Material C | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Waived-Investor agrees to accept as xxxxxx with 3 years SOL which expires xxxxxx. - Due Diligence Vendor-05/04/2026 <br> Counter-Loan cannot be properly tested Due to LE not 7 days prior to Close date. Unable to test properly. Additional finings may apply upon receipt. - Due Diligence Vendor-04/20/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,140.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ---------Ten (10%) tolerance fees Lender's Title Insurance Policy, Notary Fee, Recording Service Fee, Settlement or Closing Fee, Tie-in Fee, Title Endorsement Fee and Recording Fee increased by $2,344.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2344.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. [Due to LE not 7 days prior to Close date. Unable to test properly. Additional finings may apply upon receipt.] - Due Diligence Vendor-04/08/2026 |  | Waived-Investor agrees to accept as xxxxxx with 3 years SOL which expires xxxxxx - Due Diligence Vendor-05/04/2026 | Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. <br> Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 864090 | xxxxxx D C A | Closed | xxxxxx | 2026-04-08 13:41 | 2026-05-04 07:21 | Waived | 3 - Material C | Compliance | TRID | Charges That Cannot Increase Test | Waived-Investor agrees to accept as xxxxxx with 3 years SOL which expires xxxxxx. - Due Diligence Vendor-05/04/2026 <br> Counter-Loan cannot be properly tested Due to LE not 7 days prior to Close date. Unable to test properly. Additional finings may apply upon receipt. - Due Diligence Vendor-04/20/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $2,463.95.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ---------Zero (0%) tolerance fees increased by $2,463.95 Processing Fee, Appraisal Fee, Credit Report Fee and Transfer Taxes without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2,463.95, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. [Due to LE not 7 days prior to Close date. Unable to test properly. Additional finings may apply upon receipt.] - Due Diligence Vendor-04/08/2026 |  | Waived-Investor agrees to accept as xxxxxx with 3 years SOL which expires xxxxxx - Due Diligence Vendor-05/04/2026 | Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. <br> Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 864090 | xxxxxx D C A | Closed | xxxxxx | 2026-04-09 11:40 | 2026-05-01 09:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh for B1 - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. uploaded gap credit rpt for all 3 loans<br> - Buyer-04/30/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report for borrower - Due Diligence Vendor-04/09/2026 |  | Resolved-Received credit refresh for B1 - Due Diligence Vendor-05/01/2026<br>| Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. <br> Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864090 | xxxxxx D C A | Closed | xxxxxx | 2026-04-09 10:52 | 2026-04-29 11:37 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Tax Returns Not Signed | Resolved-Received Efile signatures from both borrowers - Due Diligence Vendor-04/29/2026 <br> Counter-Missing signature for both personal and business tax returns. Received efile signature for xxxxxx - Due Diligence Vendor-04/20/2026 <br> Open-Borrower 2 Tax Returns Not Signed Both co-borrowers are to sign and date personal and business tax returns. - Due Diligence Vendor-04/09/2026 |  | Resolved-Received Efile signatures from both borrowers - Due Diligence Vendor-04/29/2026<br>| Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. <br> Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864090 | xxxxxx D C A | Closed | xxxxxx | 2026-04-09 10:52 | 2026-04-29 11:37 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 3 Tax Returns Not Signed | Resolved-Received Efile for tax returns for both borrowers - Due Diligence Vendor-04/29/2026 <br> Counter-Missing signature for both personal and business tax returns. Received efile signature for xxxxxx - Due Diligence Vendor-04/20/2026 <br> Open-Borrower 3 Tax Returns Not Signed Both co-borrowers are to sign and date personal and business tax returns. - Due Diligence Vendor-04/09/2026 |  | Resolved-Received Efile for tax returns for both borrowers - Due Diligence Vendor-04/29/2026<br>| Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. <br> Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864090 | xxxxxx D C A | Closed | xxxxxx | 2026-04-09 12:34 | 2026-04-29 11:27 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received LOX from borrower regarding deposit which matches up with Receipt from xxxxxx. Borrower sold 10 xxxxxx xxxxxx - Due Diligence Vendor-04/29/2026 <br> Counter-Received what appears to be a receipt in the name of xxxxxx for the purchase from xxxxxx in the amount of $50,000 paid in cash. SOF for the deposit in the amount of $50,000 on 2/23 is required - Due Diligence Vendor-04/20/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Borrower must address and source large deposit dated 2/23/26 - Due Diligence Vendor-04/09/2026 |  | Resolved-Received LOX from borrower regarding deposit which matches up with Receipt from xxxxxx. Borrower sold 10 xxxxxx xxxxxx - Due Diligence Vendor-04/29/2026 | Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. <br> Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864090 | xxxxxx D C A | Closed | xxxxxx | 2026-04-09 09:45 | 2026-04-29 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Title provided tax estimate calculations which is included in the excel sheet provided by client - Due Diligence Vendor-04/29/2026 <br> Counter-Upon review, Post CD reflects estimated taxes at xxxxxx annually however the tax bill provided is xxxxxx. Confirmation from title as to the property taxes estimated - Due Diligence Vendor-04/20/2026 <br> Open-Missing Evidence of Property Tax Missing tax calculation for subject property to determine we have correct monthly tax amount utilize for payment. - Due Diligence Vendor-04/09/2026 |  | Resolved-Title provided tax estimate calculations which is included in the excel sheet provided by client - Due Diligence Vendor-04/29/2026<br>| Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. <br> Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864090 | xxxxxx D C A | Closed | xxxxxx | 2026-04-09 11:35 | 2026-04-20 12:10 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Received Jan 2026 bank statement to validate 2 full months - Due Diligence Vendor-04/20/2026 <br> Open-Asset 1 Less Than 2 Months Verified AUS requires two months bank statements verified for funds to close. (We have one bank statement without that does not support a full two months) - Due Diligence Vendor-04/09/2026 |  | Resolved-Received Jan 2026 bank statement to validate 2 full months - Due Diligence Vendor-04/20/2026<br>| Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. <br> Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864090 | xxxxxx D C A | Closed | xxxxxx | 2026-04-09 10:52 | 2026-04-20 12:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 3 Executed 4506-T/4506-C is Missing | Resolved-4506 signed by borrower 2 and 3 for 2 years - Due Diligence Vendor-04/20/2026 <br> Open-Borrower 3 Executed 4506-T/4506-C is Missing Missing 4506C signed and dated for Co-Borrower 2 (as only 4506C in business name is in file) - Due Diligence Vendor-04/09/2026 |  | Resolved-4506 signed by borrower 2 and 3 for 2 years - Due Diligence Vendor-04/20/2026<br>| Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. <br> Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864090 | xxxxxx D C A | Closed | xxxxxx | 2026-04-09 11:40 | 2026-04-20 12:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 3 Gap Credit Report is Missing | Resolved-Received Gap credit report, no new tradelines or inquires - Due Diligence Vendor-04/20/2026 <br> Open-Borrower 3 Gap Credit Report is Missing Missing Gap Credit Report for borrower - Due Diligence Vendor-04/09/2026 |  | Resolved-Received Gap credit report, no new tradelines or inquires - Due Diligence Vendor-04/20/2026<br>| Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. <br> Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864090 | xxxxxx D C A | Closed | xxxxxx | 2026-04-09 11:40 | 2026-04-20 12:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Gap credit report, no new tradelines or inquires - Due Diligence Vendor-04/20/2026 <br> Open-Borrower 2 Gap Credit Report is Missing Missing Gap Credit Report for borrower - Due Diligence Vendor-04/09/2026 |  | Resolved-Received Gap credit report, no new tradelines or inquires - Due Diligence Vendor-04/20/2026<br>| Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. <br> Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864090 | xxxxxx D C A | Closed | xxxxxx | 2026-04-10 10:02 | 2026-04-20 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Third Party Fraud Report - Due Diligence Vendor-04/20/2026 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/10/2026 |  | Resolved-Received Third Party Fraud Report - Due Diligence Vendor-04/20/2026<br>| Long term residence - Credit report shows mortgage on Co-borrowers primary home was opened xxxxxx - reflect long term residence of 4 years. <br> Credit history exceeds minimum required - Co-borrowers mortgage on primary residence exceeds 12 months credit history showing reviewed 49 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864100 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 864116 | xxxxxx C A | Closed | xxxxxx | 2026-05-14 19:07 | 2026-05-19 12:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, the loan file contained all required reserves. - Due Diligence Vendor-05/19/2026 <br> Open-Audited Reserves of 3.94 month(s) are less than Guideline Required Reserves of 4 month(s) Missing documentation which evidences sufficient assets to meet minimum reserve requirements of no less than 4 months property expenses as required by guidelines. - Due Diligence Vendor-05/14/2026 |  | Resolved-Upon further review, the loan file contained all required reserves. - Due Diligence Vendor-05/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 733<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.77 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864126 | xxxxxx C B A | Closed | xxxxxx | 2026-04-24 14:53 | 2026-06-08 17:24 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 709 Required is 640 Borrower has 709<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $6375 exceeds $5250 residual income |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864126 | xxxxxx C B A | Closed | xxxxxx | 2026-04-27 11:53 | 2026-05-04 11:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material due to only sort by less than 2 months and residual income exceeds required Guideline amount.<br> - Due Diligence Vendor-05/04/2026 <br> Open-Audited Reserves of 10.11 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-04/27/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material due to only sort by less than 2 months and residual income exceeds required Guideline amount.<br> - Due Diligence Vendor-05/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 709 Required is 640 Borrower has 709<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $6375 exceeds $5250 residual income | 1 - Credit Score 30+ points > minimum required <br> 2 - Residual income more than 2x the amount required by guidelines <br> 3 - Self-employed for > 5 years | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864126 | xxxxxx C B A | Closed | xxxxxx | 2026-04-27 11:21 | 2026-05-01 09:02 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. - Buyer-05/01/2026 <br> Counter-Received HUD LDP, unable to identify Seller and xxxxxx. Please run Seller and xxxxxx thru xxxxxx/Data Verify for LDP/EPLS - Due Diligence Vendor-04/29/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Not found for seller and xxxxxx - Due Diligence Vendor-04/27/2026 |  | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-05/01/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 709 Required is 640 Borrower has 709<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $6375 exceeds $5250 residual income |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864126 | xxxxxx C B A | Closed | xxxxxx | 2026-04-27 11:21 | 2026-05-01 09:02 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC for Seller and xxxxxx, all cleared - Due Diligence Vendor-04/29/2026 <br> Open-OFAC Check Not Completed and/or Cleared Not found for seller and xxxxxx - Due Diligence Vendor-04/27/2026 |  | Resolved-Received OFAC for Seller and xxxxxx, all cleared - Due Diligence Vendor-04/29/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 709 Required is 640 Borrower has 709<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $6375 exceeds $5250 residual income |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864126 | xxxxxx C B A | Closed | xxxxxx | 2026-04-27 13:55 | 2026-04-30 15:26 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Property profile verifies owner of xxxxxx as xxxxxx which is a match to the individual who provided the rent free letter for Brw. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. - Seller-04/30/2026 <br> Counter-Received Rent Free letter, please provide ownership of xxxxxx - Due Diligence Vendor-04/29/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter. <br> - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. - Seller-04/30/2026<br>| Resolved-Property profile verifies owner of xxxxxx as xxxxxx which is a match to the individual who provided the rent free letter for Brw. - Due Diligence Vendor-04/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 709 Required is 640 Borrower has 709<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $6375 exceeds $5250 residual income |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864127 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864141 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-15 13:08 | 2026-05-13 11:18 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received CDA, value is supported - Due Diligence Vendor-04/27/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. CU/LCA both > 2.5 - Due Diligence Vendor-04/15/2026 |  | Resolved-Received CDA, value is supported - Due Diligence Vendor-04/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864141 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-23 09:38 | 2026-05-06 10:12 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-04/23/2026 <br> Open-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). - Due Diligence Vendor-04/23/2026 |  | Waived-Client waiver applied to non-material Findings. - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 864141 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-16 08:56 | 2026-05-05 08:53 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received re-recorded DOT with PUD rider. - Due Diligence Vendor-05/05/2026 <br> Open-Appraiser labels subject as a PUD however the title and DOT indicate a SFR not in a development. - Due Diligence Vendor-04/16/2026 |  | Resolved-Received re-recorded DOT with PUD rider. - Due Diligence Vendor-05/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864141 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-15 10:50 | 2026-04-29 07:50 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Construction to per refinance 3 day waiting period not required. Finding Resolved. - Due Diligence Vendor-04/29/2026 <br> Counter-Missing ROR signed by borrower's xxxxxx and xxxxxx. - Due Diligence Vendor-04/23/2026 <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. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-04/15/2026 |  | Resolved-Construction to per refinance 3 day waiting period not required. Finding Resolved. - Due Diligence Vendor-04/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864141 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-15 10:22 | 2026-04-29 07:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received ROR signed by one borrower. - Due Diligence Vendor-04/23/2026 <br> Open-Right of Rescission is Missing -----Provide the executed Right of Recission. - Due Diligence Vendor-04/15/2026 |  | Resolved-Received ROR signed by one borrower. - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864141 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-23 09:38 | 2026-04-29 07:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-04/29/2026 <br> Open-\*\*\*\*\*NEW\*\*\*\*\*Missing ROR signed by borrower's xxxxxx and xxxxxx. - Due Diligence Vendor-04/23/2026 |  | Resolved-Right of Rescission is Provided - Due Diligence Vendor-04/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864151 | xxxxxx C B A | Closed | xxxxxx | 2026-04-23 16:19 | 2026-04-30 11:35 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received updated rent-free letter. - Due Diligence Vendor-04/30/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Letter provided does not indicate that borrower is living rent free or living with no obligation. Please provide updated letter that confirms the borrwer's monthly rent obligation or if the borrower is living rent free. - Due Diligence Vendor-04/23/2026 |  | Resolved-Received updated rent-free letter. - Due Diligence Vendor-04/30/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 64.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864151 | xxxxxx C B A | Closed | xxxxxx | 2026-04-23 17:02 | 2026-04-24 09:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client waiver applied to non-material finding with comp factors. Appraisal reflect no needed repairs noted at this time. - Due Diligence Vendor-04/24/2026 <br> Open-Property Issues are identified for the property Exception requested due to Missing Invoice and Completion Report for SB-326. - Due Diligence Vendor-04/23/2026 |  | Waived-Client waiver applied to non-material finding with comp factors. Appraisal reflect no needed repairs noted at this time. - Due Diligence Vendor-04/24/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 64.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 749 | credit score > 30 points from required, LTV is 64.91% and maximum is 80% | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864166 | xxxxxx C A | Closed | xxxxxx | 2026-04-27 11:37 | 2026-04-30 11:38 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received Initial Flood Cert. - Due Diligence Vendor-04/30/2026 <br> Open-Flood Certification Date is greater than xxxxxx - Due Diligence Vendor-04/28/2026 |  | Resolved-Received Initial Flood Cert. - Due Diligence Vendor-04/30/2026<br>| Qualifying DTI below maximum allowed - DTI 24.55% max 50%. Required is 50 Borrower has 24.61<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 784 ; Min score 680. Required is 680 Borrower has 784 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864173 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-13 13:04 | 2026-06-09 13:34 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Title received w/ sufficient coverage - Due Diligence Vendor-04/20/2026 <br> Counter-Received comment from Originator to see attached Title policy however nothing is attached. Finding remains - Due Diligence Vendor-04/17/2026 <br> Open-Property Title Issue Need Title Supplement to document correct loan amount of subject (as Supplement shows higher loan amt and so does Escrow Instructions) - Due Diligence Vendor-04/13/2026 |  | Resolved-Title received w/ sufficient coverage - Due Diligence Vendor-04/20/2026<br>| Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864173 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-13 11:36 | 2026-04-24 13:20 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Dual Broker Compensation Test | Waived-This loan failed the Dual Broker Compensation Test. (12 CFR §1026.36(d)(2))This loan has borrower paid broker compensation of $79.50 and broker compensation paid by another party of $13,950.00.This loan contains compensation to the broker from both the borrower and lender for loan origination activities. If any loan originator receives compensation directly from a consumer in a consumer credit transaction secured by a dwelling, no loan originator shall receive compensation, directly or indirectly, from any other person other than the consumer in connection with the transaction for loan origination activities. SOL has expired - Due Diligence Vendor-04/13/2026 |  | Waived-This loan failed the Dual Broker Compensation Test. (12 CFR §1026.36(d)(2))This loan has borrower paid broker compensation of $79.50 and broker compensation paid by another party of $13,950.00.This loan contains compensation to the broker from both the borrower and lender for loan origination activities. If any loan originator receives compensation directly from a consumer in a consumer credit transaction secured by a dwelling, no loan originator shall receive compensation, directly or indirectly, from any other person other than the consumer in connection with the transaction for loan origination activities. SOL has expired - Due Diligence Vendor-04/13/2026<br>| Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864173 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-13 11:36 | 2026-04-24 13:20 | Waived | 2 - Non-Material C B | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. (Credit Report) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx. SOL has expired.<br> - Due Diligence Vendor-04/13/2026 |  | Waived-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. (Credit Report) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx SOL has expired.<br> - Due Diligence Vendor-04/13/2026 | Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864173 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-13 15:33 | 2026-04-23 13:57 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received xxxxxx statements that reflects $80,000 and $120,000 gift clearing. Other gift for $21750 xxxxxx statement in original upload - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. - Seller-04/21/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Donor to provide documentation that EMD and the rest of gift funds on gift letter required for closing came out of accounts listed on gift letter. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. - Seller-04/21/2026<br>| Resolved-Received xxxxxx statements that reflects $80,000 and $120,000 gift clearing. Other gift for $21750 xxxxxx statement in original upload - Due Diligence Vendor-04/23/2026 | Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864173 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-13 15:40 | 2026-04-23 13:54 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/15/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing 2023 Overtime income information to complete verify income calculation matches to lenders income. - Due Diligence Vendor-04/13/2026 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/15/2026<br>| Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864173 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-13 14:13 | 2026-04-23 13:51 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Received Structural Report, no issues noted for our Unit. Within the report there are only recommendations not requirements - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. - Seller-04/21/2026 <br> Counter-Upon further review, located page 1 of the BC&E report however it appears that is is missing pages. Please provide all pages to the structural engineers report - Due Diligence Vendor-04/20/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Need page 1 of the BC&E report. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. - Seller-04/21/2026<br>| Resolved-Received Structural Report, no issues noted for our Unit. Within the report there are only recommendations not requirements - Due Diligence Vendor-04/23/2026<br>| Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864173 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-13 15:19 | 2026-04-20 11:11 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Received 12 months payment for xxxxxx Auto from Parent. Business Account used for these payments and is verified by google search of business name for ownership - Due Diligence Vendor-04/20/2026 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Father who is co-signer on auto loan must provide corresponding bank statements to support account statement provided by auto creditor to show payments paid came out of father's bank account. - Due Diligence Vendor-04/13/2026 |  | Resolved-Received 12 months payment for xxxxxx Auto from Parent. Business Account used for these payments and is verified by google search of business name for ownership - Due Diligence Vendor-04/20/2026<br>| Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864173 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-13 15:01 | 2026-04-15 17:15 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-After further review there is a 2023 income breakdown on page 370 of the loan file. - Due Diligence Vendor-04/15/2026 <br> Open-Income and Employment Do Not Meet Guidelines Need 2023 overtime income used to qualify as we are missing year end stub for 2023 - Due Diligence Vendor-04/13/2026 |  | Resolved-After further review there is a 2023 income breakdown on page 370 of the loan file. - Due Diligence Vendor-04/15/2026<br>| Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864173 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-14 19:10 | 2026-04-15 17:05 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-The DTI is lower, a new AUS is not required. - Due Diligence Vendor-04/15/2026 <br> Open-LP DTI 48%, AUDIT DTI 45.13% Exceeds 2% tolerance. AUS should be re-run. - Due Diligence Vendor-04/14/2026 |  | Resolved-The DTI is lower, a new AUS is not required. - Due Diligence Vendor-04/15/2026<br>| Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864173 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-13 11:31 | 2026-04-13 11:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026<br>| Credit history exceeds minimum required - Borrower has excellent credit with tradelines reporting over 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 620, borrowers mid score is 776 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864176 | xxxxxx D A | Closed | xxxxxx | 2026-03-19 13:58 | 2026-04-02 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-1003's for both borrowers provided and are executed - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. see attached URLA's for B1 and B2 - Seller-04/01/2026 <br> Open-Missing Final 1003 for both borrowers. Additional conditions may apply. - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. see attached URLA's for B1 and B2 - Seller-04/01/2026<br>| Resolved-1003's for both borrowers provided and are executed - Due Diligence Vendor-04/02/2026<br>| DSCR % greater than 1.20 - 1.273 exceeds min required. Required is 0 Borrower has 1.273<br>Qualifying FICO score is at least 20 points above minimum for program - 720 exceeds min required Required is 600 Borrower has 720<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.273 exceeds min required. Required is 0 Borrower has 1.273<br>LTV is less than guideline maximum - 57.32 below max allowed 65% for property listed for sale <6months ago. Required is 65 Borrower has 57.32 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864176 | xxxxxx D A | Closed | xxxxxx | 2026-03-20 15:00 | 2026-03-26 09:00 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Entity Certificate with signing authority provided. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-03/25/2026 <br> Open-The Business Entity Formation Document is Missing. Unanimous Written Consent & Resolution documentation is not executed. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. see attached - Seller-03/25/2026<br>| Resolved-Entity Certificate with signing authority provided. - Due Diligence Vendor-03/26/2026<br>| DSCR % greater than 1.20 - 1.273 exceeds min required. Required is 0 Borrower has 1.273<br>Qualifying FICO score is at least 20 points above minimum for program - 720 exceeds min required Required is 600 Borrower has 720<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.273 exceeds min required. Required is 0 Borrower has 1.273<br>LTV is less than guideline maximum - 57.32 below max allowed 65% for property listed for sale <6months ago. Required is 65 Borrower has 57.32 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864176 | xxxxxx D A | Closed | xxxxxx | 2026-03-20 14:49 | 2026-03-25 17:06 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. see attached copy of the recorded DOT with legal description - Seller-03/24/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description attached to the Mortgage. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. see attached copy of the recorded DOT with legal description - Seller-03/24/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/25/2026<br>| DSCR % greater than 1.20 - 1.273 exceeds min required. Required is 0 Borrower has 1.273<br>Qualifying FICO score is at least 20 points above minimum for program - 720 exceeds min required Required is 600 Borrower has 720<br>DSCR =/> 1.00 and minimum is 0.85 or Less - 1.273 exceeds min required. Required is 0 Borrower has 1.273<br>LTV is less than guideline maximum - 57.32 below max allowed 65% for property listed for sale <6months ago. Required is 65 Borrower has 57.32 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864179 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 13:53 | 2026-04-06 14:03 | Resolved | 1 - Information C A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Received Release of Lien. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. please see attached copy of the recorded release of lien - Seller-04/02/2026 <br> Counter-Received email from title reflecting this lien paid in December. Missing proof of payoff in December. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. The additional mortgage was already paid in full and was being recorded with this transcation , attached is an Email from title to confirm. - Seller-03/26/2026 <br> Open-Payoff(s) on the CD/HUD are not reported on Title Report. Per Schedule B, Part I #7 there is an additional mortgage to be paid off that is not reporting on the credit report. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. please see attached copy of the recorded release of lien - Seller-04/02/2026 <br>Ready for Review-Document Uploaded. The additional mortgage was already paid in full and was being recorded with this transcation , attached is an Email from title to confirm. - Seller-03/26/2026<br>| Resolved-Received Release of Lien. - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 675 Required is 620 Borrower has 675<br>Months Reserves exceed minimum required - Minm 0, Borrower has 20.3 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864179 | xxxxxx C A | Closed | xxxxxx | 2026-03-17 13:34 | 2026-04-01 16:06 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Notes and closing statements for 2 loans provided. Loan originated in xxxxxx and loan originated in xxxxxx. Loan originated in xxxxxx paid off the existing loan as shown on the closing statement provided. The loan originated in xxxxxx paid off the loan originated in xxxxxx as shown in the closing statement. Ledgers for payment made in-between have been provided. Our loan paid off the loan that was originated in xxxxxx. Please clear or escalate. xxxxxx - Seller-03/30/2026 <br> Counter-Received Notes for 3 liens on subject over 12 months. Missing acceptable payment history. Please provide VOMs for each. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. see attachments. <br> Breakdown. <br> xxxxxx closed xxxxxx<br> Paid 3 months in advance on HUD xxxxxx<br> Ledger provided shows payment of 07/2025 (paid 05/01/2025) 08/2025 (Paid 06/01/2025) 09/2025 (paid 08/01/2025) 10/2025<br> This one was then paid off and the new loan was xxxxxx - First payment was due till xxxxxx which was paid and proof in the file. <br>We also have the ledger from the previous lender which shows more than a year of payment before they were paid off by xxxxxx <br> - Seller-03/26/2026 <br> Counter-Audit is unable to determine the payment amounts for Mortgage Experts/Commercial Real Estate with the loan amount of xxxxxx to verify the housing history. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-everything is in the TPR package, we documented 12 monthly payments through bank transactions, closing statements and lender statements plus 2 refinances that covered 2 more payments in the last 12 months. - Seller-03/24/2026 <br> Open-Housing History Does Not Meet Guideline Requirements . Missing a complete 12 month history on the subject property. Ledger on page 553 on reflects 6 months of payments. Page 420 reflects a 7 the payment. - Due Diligence Vendor-03/19/2026 | Ready for Review-Notes and closing statements for 2 loans provided. Loan originated in xxxxxx and loan originated in xxxxxx. Loan originated in xxxxxx paid off the existing loan as shown on the closing statement provided. The loan originated in xxxxxx paid off the loan originated in xxxxxx as shown in the closing statement. Ledgers for payment made in-between have been provided. Our loan paid off the loan that was originated in xxxxxx. Please clear or escalate. xxxxxx - Seller-03/30/2026 <br> Ready for Review-Document Uploaded. see attachments. <br> Breakdown. <br> xxxxxx closed xxxxxx<br> Paid 3 months in advance on HUD xxxxxx<br> Ledger provided shows payment of 07/2025 (paid 05/01/2025) 08/2025 (Paid 06/01/2025) 09/2025 (paid 08/01/2025) 10/2025<br> This one was then paid off and the new loan was xxxxxx - First payment was due till xxxxxx which was paid and proof in the file. <br>We also have the ledger from the previous lender which shows more than a year of payment before they were paid off by xxxxxx <br> - Seller-03/26/2026 <br> Ready for Review-everything is in the TPR package, we documented 12 monthly payments through bank transactions, closing statements and lender statements plus 2 refinances that covered 2 more payments in the last 12 months. - Seller-03/24/2026 | Resolved-Received payment history. - Due Diligence Vendor-04/01/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 675 Required is 620 Borrower has 675<br>Months Reserves exceed minimum required - Minm 0, Borrower has 20.3 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864181 | xxxxxx C A | Closed | xxxxxx | 2026-03-24 15:27 | 2026-04-24 14:37 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Updated loan application, EA letter verifying self-employment good standing and 100% ownership, and business tax certificates provided. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. See attached Docs - Seller-04/23/2026 <br> Counter-Received revised 1st page of 1003 and resume. Provide acceptable confirmation of length of self-employment and complete corrected 1003 - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. see page 2 2014-Now xxxxxx and 1003 - Seller-03/25/2026 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Per guidelines, a borrower using 12 months of bank statements to verify income requires a 1 year employment history. The 1003 does not reflect any employment information and the CPA letter doesn't verify the length of time the borrower has owned the business. Additional conditions may apply. - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. See attached Docs - Seller-04/23/2026 <br> Ready for Review-Document Uploaded. see page 2 2014-Now xxxxxx and 1003 - Seller-03/25/2026 | Resolved-Updated loan application, EA letter verifying self-employment good standing and 100% ownership, and business tax certificates provided. - Due Diligence Vendor-04/24/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.53<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864182 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 12:44 | 2026-06-08 17:03 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved--Loan contains full appraisal and escrows and is compliant with HPML.<br> - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-03/17/2026 |  | Resolved--Loan contains full appraisal and escrows and is compliant with HPML.<br> - Due Diligence Vendor-06/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.85 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864182 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 19:38 | 2026-04-20 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Upon further review, Property Detail for xxxxxx shows as SFD. The explanation below from the Audit team was explaining we needed the full PITIA for securitization which includes the HOA dues. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-If you are looking for PITIA, why do you not have that in the original finding? Why must we go back and forth on the HOA multiple times before the PITIA comes up. This is a waste of time. Also the xxxxxx screenshot is in the TPR package. Please review. xxxxxx - Seller-04/16/2026 <br> Counter-Review confirmed HOA for property xxxxxx. Full validation of PITIA is required for securitization. Please provide HOA validation, xxxxxx or web based is acceptable. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-please waive, this finding is not material. please clarify what letter you are referring to. neither property has HOA - Seller-04/14/2026 <br> Counter-Even though the DTI is low, must still document the HOA dues. Please provide - Due Diligence Vendor-04/01/2026 <br> Ready for Review-DTI is showing 21% , please clear as the HOA is not going to affect this. - Seller-03/30/2026 <br> Open-Property xxxxxx. Letter shows HOA dues were provided, but cert not found in the file. - Due Diligence Vendor-03/17/2026 | Ready for Review-If you are looking for PITIA, why do you not have that in the original finding? Why must we go back and forth on the HOA multiple times before the PITIA comes up. This is a waste of time. Also the xxxxxx screenshot is in the TPR package. Please review. xxxxxx - Seller-04/16/2026 <br> Ready for Review-please waive, this finding is not material. please clarify what letter you are referring to. neither property has HOA - Seller-04/14/2026 <br> Ready for Review-DTI is showing 21% , please clear as the HOA is not going to affect this. - Seller-03/30/2026 | Resolved-Upon further review, Property Detail for xxxxxx shows as SFD. The explanation below from the Audit team was explaining we needed the full PITIA for securitization which includes the HOA dues. - Due Diligence Vendor-04/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.85 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864182 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 12:44 | 2026-04-16 08:19 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. This loan was locked on xxxxxx and the locked LE was disclosed on xxxxxx. see attached - Seller-04/15/2026 <br> Counter-Documentation in the file shows loan was locked on xxxxxx, we do not have a LE or CD within 3 days of the lock. Please provide. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-please clear. the loan amount and rate were the same, there was no change from when the initial LE was sent to when the loan was locked . what change are you referring to? - Seller-03/30/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. -------A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. This loan was locked on xxxxxx and the locked LE was disclosed on xxxxxx. see attached - Seller-04/15/2026 <br> Ready for Review-please clear. the loan amount and rate were the same, there was no change from when the initial LE was sent to when the loan was locked . what change are you referring to? - Seller-03/30/2026 | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.85 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864182 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 12:44 | 2026-04-16 08:19 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. see attached CD dated xxxxxx, the last page includes the esign certificate and shows when it was provided to the borrower and signed. - Seller-03/23/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. --------Initial CD xxxxxx is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. see attached CD dated xxxxxx, the last page includes the esign certificate and shows when it was provided to the borrower and signed. - Seller-03/23/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.85 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864182 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 11:59 | 2026-03-25 15:07 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Rec'd xxxxxx eSign Certificate with borrower's Consented Date of xxxxxx - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-03/23/2026 <br> Open-Missing e-Consent. Missing E-consent in file - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. see attached - Seller-03/23/2026<br>| Resolved-Rec'd xxxxxx eSign Certificate with borrower's Consented Date of xxxxxx. - Due Diligence Vendor-03/25/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.85 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864182 | xxxxxx D A C | Closed | xxxxxx | 2026-03-17 19:50 | 2026-03-25 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received SOS confirming 24+ months self-employment. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. see attached tax preparer letter of self employment verification. the date is on there and attached is also a print out of the business search - Seller-03/23/2026 <br> Open-Borrower 1 CPA Letter Missing CPA letter does not specify how long the borrower has been in business. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. see attached tax preparer letter of self employment verification. the date is on there and attached is also a print out of the business search - Seller-03/23/2026<br>| Resolved-Received SOS confirming 24+ months self-employment. - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.85 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864183 | xxxxxx C A | Closed | xxxxxx | 2026-03-19 14:01 | 2026-03-30 14:10 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received current HOI policy. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. see attached update insurance policy. this one is for 2025-2026 - Seller-03/27/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Lender to provide hazard insurance with effective date prior to the note date of xxxxxx - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. see attached update insurance policy. this one is for 2025-2026 - Seller-03/27/2026<br>| Resolved-Received current HOI policy. - Due Diligence Vendor-03/30/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.197 Required is 0.75 Borrower has 1.197<br>LTV is less than guideline maximum - Required is 75 Borrower has 67.44 Required is 75 Borrower has 67.44 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864183 | xxxxxx C A | Closed | xxxxxx | 2026-03-20 17:51 | 2026-03-26 10:11 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report was provided. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. see attached clear xxxxxx last scored on 3/18, look at page 38, this is the UDM showing no new credit inquiries - Seller-03/24/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide gap report within 10 days of note - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. see attached clear xxxxxx last scored on 3/18, look at page 38, this is the UDM showing no new credit inquiries - Seller-03/24/2026 | Resolved-Borrower 1 Gap Credit Report was provided. - Due Diligence Vendor-03/26/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.197 Required is 0.75 Borrower has 1.197<br>LTV is less than guideline maximum - Required is 75 Borrower has 67.44 Required is 75 Borrower has 67.44 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864184 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864185 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 864186 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864193 | xxxxxx D A | Closed | xxxxxx | 2026-03-24 11:51 | 2026-03-26 08:58 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider within the DOT. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. see attached page 19 SECTION 38 (highlighted), for business purpose loans the PUD rider will be built in the DOT - Seller-03/25/2026 <br> Open-PUD Rider is Missing Missing PUD Rider - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. see attached page 19 SECTION 38 (highlighted), for business purpose loans the PUD rider will be built in the DOT - Seller-03/25/2026<br>| Resolved-PUD Rider within the DOT. - Due Diligence Vendor-03/26/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.47 Required is 0.75 Borrower has 1.473<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 809 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864195 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864196 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864197 | xxxxxx D A | Closed | xxxxxx | 2026-03-27 09:10 | 2026-03-31 16:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax billing for milage. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/30/2026 <br> Open-Missing Evidence of Property Tax Missing calculation for the amount of tax appearing on the settlement statement. - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. SEE ATTACHED - Seller-03/30/2026<br>| Resolved-Received property tax billing for milage. - Due Diligence Vendor-03/31/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 766<br>Months Reserves exceed minimum required - required 0 months. borrower has 661 months of reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864198 | xxxxxx D A | Closed | xxxxxx | 2026-04-01 16:53 | 2026-04-23 14:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Received letter of explanation for overdraft transfers. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. See Attached LOE - Seller-04/22/2026 <br> Counter-Guidelines state: " NSF activity in the past 12 months needs explanation by the borrower. Exception requests for tolerance deviations must include (a) a letter of explanation from the borrower outlining the reason for the occurrences and an explanation of how and when the issue leading to the occurrences was rectified, (b) additional compensating factors outlined by the underwriter supporting the viability of income and a pricing hit of .125% for 3 within the last 12 months or .25 for > 5 occurrences with a max of 10 occurrences." Lock reflects Pricing adjustment of 0.25 for >5 being applied. LOE remains missing. Condition remains. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Guidelines state: " NSF activity in the past 12 months needs explanation by the borrower. Exception requests for tolerance deviations must include (a) a letter of explanation from the borrower outlining the reason for the occurrences and an explanation of how and when the issue leading to the occurrences was rectified, (b) additional compensating factors outlined by the underwriter supporting the viability of income and a pricing hit of .125% for 3 within the last 12 months or .25 for > 5 occurrences with a max of 10 occurrences." Lock reflects Pricing adjustment of 0.25 for >5 being applied. LOE remains missing. Condition remains. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. We did not require a LOE Please see the Lock dated xxxxxx (10 NSF's in the last 12 months Points Adjustment 0.2500) - Seller-04/02/2026 <br> Open-per the buisness bank statements used for income the borrower has NSF fees, missing the letter of explanation for the NSF from the borrower required by guidelines. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. See Attached LOE - Seller-04/22/2026 <br> Ready for Review-Document Uploaded. We did not require a LOE Please see the Lock dated xxxxxx (10 NSF's in the last 12 months Points Adjustment 0.2500) - Seller-04/02/2026 | Resolved-Received letter of explanation for overdraft transfers. - Due Diligence Vendor-04/23/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.76 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864198 | xxxxxx D A | Closed | xxxxxx | 2026-03-30 13:03 | 2026-04-03 13:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received xxxxxx SOS search dated xxxxxx reflecting business active with incorporation date xxxxxx - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. Please see attached borrower is self-employed and the business is active the document was pulled on xxxxxx @2:13 pm - Seller-04/02/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing the verification the business is active within 10 days of closing required per the guidelines. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. Please see attached borrower is self-employed and the business is active the document was pulled on 3.16.26 @2:13 pm - Seller-04/02/2026<br>| Resolved-Received xxxxxx SOS search dated xxxxxx reflecting business active with incorporation date xxxxxx - Due Diligence Vendor-04/03/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.76 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864198 | xxxxxx D A | Closed | xxxxxx | 2026-03-30 13:50 | 2026-04-03 13:13 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review: Credit inquiries are not required to be addressed per the guideline - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Please see guidelines 5.2.4<br>5.2.4 INQUIRIES<br> Does not need to be addressed. - Seller-04/02/2026 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-03/30/2026 | Ready for Review-Please see guidelines 5.2.4<br>5.2.4 INQUIRIES<br> Does not need to be addressed. - Seller-04/02/2026<br>| Resolved-Upon further review: Credit inquiries are not required to be addressed per the guideline - Due Diligence Vendor-04/03/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.76 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864199 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864200 | xxxxxx D A | Closed | xxxxxx | 2026-04-01 11:14 | 2026-05-04 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received documents to document Previous Primary. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. See Attached - Seller-04/30/2026 <br> Counter-Mtg stmt for Brws departure residence confirms no escrows (loan is not in Brws name). Property profile provided to document taxes and HOA stmt is now in file. Letter of intent for departure residence not required per guides but verification if this property has an HO-6 policy is still required as this debt would need to be included in ratios. Provide verification of HO6 for xxxxxx OR confirmation Brw does not carry an individual insurance policy on this property. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. Our guidelines do not require a letter of intent for current primary.<br>Additionally, HOA dues have been provided for departure residence. We do not require evidence of H0-6 insurance on a property that we are not the mortgagor for. DTI has been reconciled via Mt Stmt and HOA payment, no further reconciliation is required per our guidelines<br>- Seller-04/29/2026 <br> Counter-Received corrected 1003 however Section 5 Declarations A to be fully completed. Did not receive HOI on REO xxxxxx or LOX stating xxxxxx in coverage. And letter of intent for current primary is missing. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Please see corrected 1003 and supporting docs - Seller-04/27/2026 <br> Counter-Reviewed documents provided. Per the 1003 page 1 borrower owns current primary. Section 3 and 5 of the 1003 state that borrower does not own any properties. Clarify and correct 1003 accordingly. HOI was not provided for REO xxxxxx however it is a xxxxxx, borrower to provide signed LOX regarding if they have insurance or if Condo covers xxxxxx. Also, letter of intent for current primary as loan is the purchase of a primary - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see the attached information on HOA, TAXES AND MGT STMT - Seller-04/16/2026 <br> Open-Missing verification of the PITIA for the primary residence listed on page 1 of the 1003 whci states the borrower owns the property, or evidence the property has been sold. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. See Attached - Seller-04/30/2026 <br> Ready for Review-Document Uploaded. Our guidelines do not require a letter of intent for current primary.<br>Additionally, HOA dues have been provided for departure residence. We do not require evidence of H0-6 insurance on a property that we are not the mortgagor for. DTI has been reconciled via Mt Stmt and HOA payment, no further reconciliation is required per our guidelines<br>- Seller-04/29/2026 <br> Ready for Review-Document Uploaded. Please see corrected 1003 and supporting docs - Seller-04/27/2026 <br> Ready for Review-Document Uploaded. Please see the attached information on HOA, TAXES AND MGT STMT - Seller-04/16/2026 | Resolved-Received documents to document Previous Primary. - Due Diligence Vendor-05/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 714<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.42 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864200 | xxxxxx D A | Closed | xxxxxx | 2026-04-01 11:12 | 2026-04-13 08:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received 1003 with section 3a filled out for property owned. - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. See updated 1003 - Seller-04/09/2026 <br> Open-The Final 1003 is Incomplete Final 1003 section 1a refelcts the borrower owns primary residence, section 3a does not list any real estate owned. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. See updated 1003 - Seller-04/09/2026<br>| Resolved-Received 1003 with section 3a filled out for property owned. - Due Diligence Vendor-04/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 714<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.42 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864200 | xxxxxx D A | Closed | xxxxxx | 2026-04-01 11:39 | 2026-04-03 13:54 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received mortgage statements for payments due xxxxxx for property located xxxxxx. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. See attached statement from 02-2026 -02-2025 - Seller-04/01/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Per the 1003, the borrower owns primary residence at xxxxxx, missing verification of the mortgage. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. See attached statement from 02-2026 -02-2025 - Seller-04/01/2026<br>| Resolved-Received mortgage statements for payments due xxxxxx for property located xxxxxx. - Due Diligence Vendor-04/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 714<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.42 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864205 | xxxxxx C B A | Closed | xxxxxx | 2026-04-15 11:36 | 2026-06-09 11:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Exception approved to use independent party VOR without 6 months cancelled checks when borrowers FICO is below 700. - Due Diligence Vendor-04/16/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Guidelines state Private VOR with proof of borrowers payment for most recent 6 months (cancelled checks or bank statements). Requirement for 6 months proof of payment is waived with minimum credit score of 700. The borrower's mid FICO is 683 and the file contains a private VOR with no cancelled check. Addiitionally, the borrower's bank statements do not reflect the rent payments. The loan file contains an approved Loan Exception to use independent party VOR without 6 months cancelled checks when borrowers FICO is below 700. - Due Diligence Vendor-04/15/2026 |  | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Exception approved to use independent party VOR without 6 months cancelled checks when borrowers FICO is below 700. - Due Diligence Vendor-04/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 683<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.2 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 864205 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 18:13 | 2026-06-08 17:38 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/14/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 683<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.2 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864208 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864209 | xxxxxx D A | Closed | xxxxxx | 2026-03-30 13:15 | 2026-04-01 16:13 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. see attached clear fraud report - Seller-03/31/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing fraud report, provided is only the summary. - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. see attached clear fraud report - Seller-03/31/2026<br>| Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-04/01/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703<br>Months Reserves exceed minimum required - Reserves 1.46 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864209 | xxxxxx D A | Closed | xxxxxx | 2026-03-31 09:01 | 2026-04-01 16:13 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud Report w/OFAC Check Completed and Cleared - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-03/31/2026 <br> Open-OFAC Check Not Completed and/or Cleared Missing fraud report, provided is only the summary. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. see attached - Seller-03/31/2026<br>| Resolved-Received Fraud Report w/OFAC Check Completed and Cleared - Due Diligence Vendor-04/01/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703<br>Months Reserves exceed minimum required - Reserves 1.46 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864209 | xxxxxx D A | Closed | xxxxxx | 2026-03-31 09:01 | 2026-04-01 16:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED CLEAR FRAUD REPORT - Seller-03/31/2026 <br> Open-Missing Third Party Fraud Report Missing fraud report, provided is only the summary. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. SEE ATTACHED CLEAR FRAUD REPORT - Seller-03/31/2026<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-04/01/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703<br>Months Reserves exceed minimum required - Reserves 1.46 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864210 | xxxxxx C A | Closed | xxxxxx | 2026-03-31 10:01 | 2026-04-06 13:59 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud report. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. see attached clear fraud report - Seller-04/02/2026 <br> Open-Fraud Report Shows Uncleared Alerts Provide report showing alerts have been cleared on report dated 3.13.26 - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. see attached clear fraud report - Seller-04/02/2026<br>| Resolved-Received fraud report. - Due Diligence Vendor-04/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728 Required is 700 Borrower has 728<br>LTV is less than guideline maximum - Required is 70 Borrower has 54.37 Required is 70 Borrower has 54.37 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864214 | xxxxxx D A | Closed | xxxxxx | 2026-04-13 13:23 | 2026-04-14 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-xxxxxx CU provided supporting appraised value. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/14/2026 <br> Ready for Review-Document Uploaded. We do not need secondary valuation please see attached appraisal and SSR score of 1.6 - Seller-04/13/2026 <br> Open-Please provide a secondary valuation for the Appraisal used for qualification. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. - Seller-04/14/2026 <br>Ready for Review-Document Uploaded. We do not need secondary valuation please see attached appraisal and SSR score of 1.6 - Seller-04/13/2026<br>| Resolved-xxxxxx CU provided supporting appraised value. - Due Diligence Vendor-04/14/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.654<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864214 | xxxxxx D A | Closed | xxxxxx | 2026-04-07 22:35 | 2026-04-14 13:59 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal received - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED - Seller-04/09/2026 <br> Open-Appraisal is Missing Appraisal for xxxxxx dated xxxxxx is missing. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. SEE ATTACHED - Seller-04/09/2026<br>| Resolved-Appraisal received - Due Diligence Vendor-04/13/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.654<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864214 | xxxxxx D A | Closed | xxxxxx | 2026-04-07 22:35 | 2026-04-14 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED , appraisal is dated xxxxxx - Seller-04/09/2026 <br> Open-Primary Value Appraisal is Expired Appraisal for xxxxxx dated xxxxxx is missing. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. SEE ATTACHED , appraisal is dated xxxxxx - Seller-04/09/2026 | Resolved-Primary Value Appraisal is Not Expired - Due Diligence Vendor-04/13/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>DSCR =/> 1.00 and minimum is 0.85 or Less - . Required is 0.75 Borrower has 1.654<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 705 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864218 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864219 | xxxxxx C A | Closed | xxxxxx | 2026-03-31 15:07 | 2026-04-09 14:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. See attached Policy - Seller-04/08/2026 <br> Open-Hazard Insurance Expiration Date of xxxxxx is prior to or equal to the Note Date of xxxxxx. Hazard Insurance Expiration Date of xxxxxx is prior to or equal to the Note Date of xxxxxx. - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. See attached Policy - Seller-04/08/2026<br>| Resolved-Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-04/09/2026 | Months Reserves exceed minimum required - 65.39 months reserves; 0 months reserves required.<br>LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 708 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864220 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864222 | xxxxxx D A | Closed | xxxxxx | 2026-04-03 18:33 | 2026-04-13 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax calculation from the title company. Taxes for 2026 used to qualify. - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. Please the tax information from Title xxxxxx for 2026 - Seller-04/08/2026 <br> Open-Missing Evidence of Property Tax Missing lender calculation worksheet used to formulate the qualifying property taxes. Title report reflects annual taxes at xxxxxx; however, lender qualified borrower with xxxxxx/mo at xxxxxx per annum. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. Please the tax information from Title xxxxxx for 2026 - Seller-04/08/2026 | Resolved-Received tax calculation from the title company. Taxes for 2026 used to qualify. - Due Diligence Vendor-04/13/2026<br>| Months Reserves exceed minimum required - Reserves: 65 Min 0<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 730 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864223 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864224 | xxxxxx D A | Closed | xxxxxx | 2026-04-07 15:45 | 2026-04-09 14:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED - Seller-04/07/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing an executed Business Purpose Certification. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. SEE ATTACHED - Seller-04/07/2026<br>| Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-04/09/2026<br>| Months Reserves exceed minimum required - Reserves: 42 Min 0 <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 724 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864226 | xxxxxx D A | Closed | xxxxxx | 2026-04-01 09:20 | 2026-04-08 12:23 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Updated fraud report with the LLC added. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. See attached report - Seller-04/08/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing Seller - xxxxxx - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. See attached report - Seller-04/08/2026<br>| Resolved-Updated fraud report with the LLC added. - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 810<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864226 | xxxxxx D A | Closed | xxxxxx | 2026-03-31 17:10 | 2026-04-08 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-After further review, the DOT includes the assignment of leases and rents - a separate PID rider is not required. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-This is a BP loan please read page 19 section 38 there is not separate document. <br> - Seller-04/08/2026 <br> Counter-Received mortgage however PUD Rider is not attached or built in. Please provide - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. This is a Business Purpose Doc Set the Rider in Built-In the DOT see page 19 Section 38. - Seller-04/07/2026 <br> Open-PUD Rider is Missing - Due Diligence Vendor-04/03/2026 | Ready for Review-This is a BP loan please read page 19 section 38 there is not separate document. <br> - Seller-04/08/2026 <br>Ready for Review-Document Uploaded. This is a Business Purpose Doc Set the Rider in Built-In the DOT see page 19 Section 38. - Seller-04/07/2026<br>| Resolved-After further review, the DOT includes the assignment of leases and rents - a separate PID rider is not required. - Due Diligence Vendor-04/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 810<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864231 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864232 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864237 | xxxxxx C B A | Closed | xxxxxx | 2026-05-01 11:01 | 2026-05-12 10:06 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received corrected appraisal and SSRs reflecting PUD and hOA dues. - Due Diligence Vendor-05/12/2026 <br> Open-Missing corrected appraisal reflecting subject property is a PUD and the HOA dues. PUD section to be completed by appraiser - Due Diligence Vendor-05/01/2026 |  | Resolved-Received corrected appraisal and SSRs reflecting PUD and hOA dues. - Due Diligence Vendor-05/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 64.14<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.86 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864237 | xxxxxx C B A | Closed | xxxxxx | 2026-05-01 11:26 | 2026-05-12 10:03 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-05/12/2026 <br> Open-Missing payoff. - Due Diligence Vendor-05/01/2026 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-05/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 64.14<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.86 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864237 | xxxxxx C B A | Closed | xxxxxx | 2026-04-29 14:56 | 2026-04-30 06:21 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived-Borrower 2 Final Signature Date is greater than the transaction date of xxxxxx ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/29/2026 |  | Waived-Borrower 2 Final Signature Date is greater than the transaction date of xxxxxx ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/29/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 64.14<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.86 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 864237 | xxxxxx C B A | Closed | xxxxxx | 2026-04-29 14:56 | 2026-04-30 06:20 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/29/2026 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/29/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 64.14<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.86 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 864260 | xxxxxx D A | Closed | xxxxxx | 2026-04-29 21:57 | 2026-05-01 10:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Lender removed use of rental income. Income updated. - Due Diligence Vendor-05/01/2026 <br> Open-Borrower 1 Lease Agreements Missing Long term rental income must be verified with a lease for the rental property plus 2 months proof of the receipt of rental income. Leases were provided for REO xxxxxx and xxxxxx; however, the file is missing proof of 2 months' receipt of rental income for both properties. - Due Diligence Vendor-04/30/2026 |  | Resolved-Lender removed use of rental income. Income updated. - Due Diligence Vendor-05/01/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.79<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $197,000 Residual exceeds $5250 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864260 | xxxxxx D A | Closed | xxxxxx | 2026-04-29 12:41 | 2026-05-01 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-05/01/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing Borrower Cert. of Business purpose form required. - Due Diligence Vendor-04/30/2026 |  | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-05/01/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.79<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $197,000 Residual exceeds $5250 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864266 | xxxxxx D A C | Closed | xxxxxx | 2026-04-24 07:39 | 2026-04-30 10:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received updated Title Document that reflects correct coverage - Due Diligence Vendor-04/30/2026 <br> Open-Title Document is Incomplete Please provide an updated title supplemental that reflects title policy coverage. - Due Diligence Vendor-04/24/2026 |  | Resolved-Received updated Title Document that reflects correct coverage - Due Diligence Vendor-04/30/2026<br>| LTV is less than guideline maximum - LTV 60% is lower than maximum 80% Required is 80 Borrower has 60<br>Months Reserves exceed minimum required - 17.36 months reserves exceed required 0 by 17.36 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864266 | xxxxxx D A C | Closed | xxxxxx | 2026-04-22 19:16 | 2026-04-30 07:27 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx Finding Resolved. - Due Diligence Vendor-04/30/2026 <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. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-04/22/2026 |  | Resolved-Received PCCD xxxxxx Finding Resolved. - Due Diligence Vendor-04/30/2026 | LTV is less than guideline maximum - LTV 60% is lower than maximum 80% Required is 80 Borrower has 60<br>Months Reserves exceed minimum required - 17.36 months reserves exceed required 0 by 17.36 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864302 | xxxxxx C A | Closed | xxxxxx | 2026-04-29 14:54 | 2026-05-07 09:31 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received notification that borrower shopped for title and it was a coincidence that they chose an affiliate. Finding Resolved. - Due Diligence Vendor-05/07/2026 <br> Counter-Received notification Borrower shopped for title. Consumers Title Company is payee in Section C on final CD, they are also listed as an affiliate of the lender. Please advise if this is just a coincidence. Finding Remains. - Due Diligence Vendor-05/05/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,968.98.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $100 Appriasal Rush, $280 Document Prep, $3956 Settlement/Closing Fee, Title $75 Courier Fee2, $30 Wire Transfer Fee2, $55 Archival Fee, $450 Loan Tie in, $22.50 Title Service Fee without a valid COC in file. Final CD included a Lender credit of $100.00 for increase in closing cost above legal limit. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $4,868.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. $0.48 Points due to rounding. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-04/29/2026 |  | Resolved-Received notification that borrower shopped for title and it was a coincidence that they chose an affiliate. Finding Resolved. - Due Diligence Vendor-05/07/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.9 Required is 50 Borrower has 36.9<br>LTV is less than guideline maximum - Required is 90 Borrower has 75 Required is 90 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 800 Required is 660 Borrower has 800 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864305 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864306 | xxxxxx B A | Closed | xxxxxx | 2026-04-09 05:45 | 2026-04-22 10:31 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Originator waiver applied to non-material Findings - Due Diligence Vendor-04/22/2026 <br> Rescinded-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026 |  | Waived-Originator waiver applied to non-material Findings - Due Diligence Vendor-04/22/2026 <br>Rescinded-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 751 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 864306 | xxxxxx B A | Closed | xxxxxx | 2026-04-09 05:45 | 2026-04-22 10:30 | Resolved | 1 - Information B A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Resolved-Received Full HC List, Finding resolved. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. Uploaded. See Homeowners Counseling List. - Seller-04/21/2026 <br> Open-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) -----Please provide remaining page(s) as there are only 6 listed on page 1 - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Uploaded. See Homeowners Counseling List. - Seller-04/21/2026<br>| Resolved-Received Full HC List, Finding resolved. - Due Diligence Vendor-04/22/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 35.18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 751 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864309 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 16:03 | 2026-04-21 14:01 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Received confirmation, loan approved with xxxxxx - Due Diligence Vendor-04/21/2026 <br> Ready for Review-The current condition states that the transaction does not meet guideline requirements due to exceeding the $750,000 maximum cash-out when the LTV is greater than 60%, referencing xxxxxx guidelines. However, this loan is under the xxxxxx program, not xxxxxx.<br>Per xxxxxx program guidelines, the $750,000 cash-out limitation does not apply. Therefore, the cited condition appears to have been incorrectly applied based on xxxxxx criteria.<br>Given that this loan is correctly structured under xxxxxx, we respectfully request that this condition be removed. xxxxxx - Seller-04/19/2026 <br> Counter-Matrix provided, however page 11 of the guidelines state LTV's > 60% the Maximum cash out is $750k. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. - Seller-04/16/2026 <br> Open-Cash Out Does Not Meet Guideline Requirements Maximum cash-out is $750,000. Borrower received back $1,101,159.80 - Due Diligence Vendor-04/15/2026 | Ready for Review-The current condition states that the transaction does not meet guideline requirements due to exceeding the $750,000 maximum cash-out when the LTV is greater than 60%, referencing xxxxxx guidelines. However, this loan is under the xxxxxx program, not xxxxxx.<br>Per xxxxxx program guidelines, the $750,000 cash-out limitation does not apply. Therefore, the cited condition appears to have been incorrectly applied based on xxxxxx criteria.<br>Given that this loan is correctly structured under xxxxxx, we respectfully request that this condition be removed. xxxxxx - Seller-04/19/2026 <br> Ready for Review-Document Uploaded. - Seller-04/16/2026 | Resolved-Received confirmation, loan approved with xxxxxx. - Due Diligence Vendor-04/21/2026 | Months Reserves exceed minimum required - 4 required - have 45.88 months <br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.36 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864311 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 864312 | xxxxxx B A | Closed | xxxxxx | 2026-04-20 13:49 | 2026-04-20 13:49 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Originator waiver applied to non-material findings. - Due Diligence Vendor-04/20/2026 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Originator waiver applied to non-material findings. - Due Diligence Vendor-04/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 17.25<br>LTV is less than guideline maximum - Required is 80 Borrower has 74.03 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 864312 | xxxxxx B A | Closed | xxxxxx | 2026-04-20 06:45 | 2026-04-20 06:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/20/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 733<br>Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 17.25<br>LTV is less than guideline maximum - Required is 80 Borrower has 74.03 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 864322 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864330 | xxxxxx D A | Closed | xxxxxx | 2026-05-01 13:35 | 2026-05-05 08:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received The Business Purpose Affidavit Disclosure - Due Diligence Vendor-05/05/2026 <br> Open-The Business Purpose Affidavit Disclosure is Missing Per guide: All investment occupancy loans are considered business purpose transactions and require the borrower to<br> acknowledge the loan is a business purpose loan by completing and signing the appropriate sections of the<br> Borrower Certification of Business Purpose. - Due Diligence Vendor-05/01/2026 |  | Resolved-Received The Business Purpose Affidavit Disclosure - Due Diligence Vendor-05/05/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x58<br>Months Reserves exceed minimum required - 14 months available 2 required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864350 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864361 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 864362 | xxxxxx D B A | Closed | xxxxxx | 2026-04-23 14:19 | 2026-05-01 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Resolved-Received Internet screenshot displaying the phone listing and address verification of the borrower's business which is an option per GL - Due Diligence Vendor-05/01/2026 <br> Open-Borrower 2 CPA Letter Missing Missing CPA letter for B2 verifying self employment. - Due Diligence Vendor-04/23/2026 |  | Resolved-Received Internet screenshot displaying the phone listing and address verification of the borrower's business which is an option per GL - Due Diligence Vendor-05/01/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 808 Required is 640 Borrower has 808<br>LTV is less than guideline maximum - Required is 90 Borrower has 75 Required is 90 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864362 | xxxxxx D B A | Closed | xxxxxx | 2026-04-23 14:04 | 2026-04-23 14:28 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Client exception granted to allow 12 mo bank statement program with out 2 months business bank statements, Non-materialwaiver applied with comp factors. - Due Diligence Vendor-04/23/2026 <br> Open-Exception request to proceed with only 10 months bank statements on a 12 month personal bank statement loan. <br>Comp factors (reflected on exception request report:<br> LTV/CLTV 10% below the maximum allowed<br> Reserves exceed requirment by 10 months or more - Due Diligence Vendor-04/23/2026 |  | Waived-Client exception granted to allow 12 mo bank statement program with out 2 months business bank statements, Non-materialwaiver applied with comp factors. - Due Diligence Vendor-04/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 808 Required is 640 Borrower has 808<br>LTV is less than guideline maximum - Required is 90 Borrower has 75 Required is 90 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864379 | xxxxxx C B A | Closed | xxxxxx | 2026-05-11 11:01 | 2026-05-28 15:08 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-The EMD are all seasoned since they were made in 2022 and 2023. Proof of receipt by the title company provided. - Due Diligence Vendor-05/28/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-166779.85'. Assets are Insufficient. Short funds to close. File is missing source of the earnest money deposit. File only included copies of four wires, 2 from borrower, 1 from non-borrowing member of LLC, and 1 from a third party LLC. If funds from the non-borrowing LLC member and the third party LLC are gifts, missing documentation for gifts meeting requirements of Guideline Section 2.7.4. Although borrower LOX in file states that funds from the third party LLC were not a gift, no documentation provided showing ownership of the third party LLC. Additional findings may apply. - Due Diligence Vendor-05/11/2026 |  | Resolved-The EMD are all seasoned since they were made in 2022 and 2023. Proof of receipt by the title company provided. - Due Diligence Vendor-05/28/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864379 | xxxxxx C B A | Closed | xxxxxx | 2026-05-11 11:19 | 2026-05-28 15:08 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-The EMD are all seasoned since they were made in 2022 and 2023. Proof of receipt by the title company provided. - Due Diligence Vendor-05/28/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 2 month(s) File is missing source of the earnest money deposit. File only included copies of four wires, 2 from borrower, 1 from non-borrowing member of LLC, and 1 from a third party LLC. If funds from the non-borrowing LLC member and the third party LLC are gifts, missing documentation for gifts meeting requirements of Guideline Section 2.7.4. Although borrower LOX in file states that funds from the third party LLC were not a gift, no documentation provided showing ownership of the third party LLC. Additional findings may apply. - Due Diligence Vendor-05/11/2026 |  | Resolved-The EMD are all seasoned since they were made in 2022 and 2023. Proof of receipt by the title company provided. - Due Diligence Vendor-05/28/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864379 | xxxxxx C B A | Closed | xxxxxx | 2026-05-11 09:06 | 2026-05-11 12:45 | Waived | 2 - Non-Material C B | Credit | Borrower | Business Entity Formation Document is Incomplete | Waived-Originator exception granted to allow Closing Entity xxxxxx Articles of Organization have<br> Article# III amended to provide the updated "purpose of usness<br> is restricted to Purchase and management of rea estate" vs.<br> "any legal business, Non-material waiver applied with comp factors.<br> non-material due to - Due Diligence Vendor-05/11/2026 <br> Open-The Business Entity Formation Document is incomplete Closing Entity Articles of Organization have Article# III amended to provide the updated "purpose of business is restricted to "purchase and management of real estate" versus "any legal business". Exception in file by Lender and approved by Client.<br> - Due Diligence Vendor-05/11/2026 |  | Waived-Originator exception granted to allow Closing Entity xxxxxx Articles of Organization have<br> Article# III amended to provide the updated "purpose of usness<br> is restricted to Purchase and management of rea estate" vs.<br> "any legal business, Non-material waiver applied with comp factors.<br> non-material due to - Due Diligence Vendor-05/11/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 | Credit Score 10 points > minimum required<br> Experienced investor owns and manages 2 or more properties for 12 months<br> Credit Score 10 points > minimum required<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864379 | xxxxxx C B A | Closed | xxxxxx | 2026-05-11 10:25 | 2026-05-11 12:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator exception granted to allow xxxxxx, Non-material waiver applied with comp factors. Subject unit is consistent with comparables on appraisal and subject location is within a xxxxxx. - Due Diligence Vendor-05/11/2026 <br> Open-Property Issues are identified for the property Guideline Section 2.10.6.4 requires that a xxxxxx must have a xxxxxx. xxxxxx photos provided with appraisal do not show a xxxxxx. - Due Diligence Vendor-05/11/2026 |  | Waived-Originator exception granted to allow xxxxxx, Non-material waiver applied with comp factors. Subject unit is consistent with comparables on appraisal and subject location is within a xxxxxx. - Due Diligence Vendor-05/11/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864379 | xxxxxx C B A | Closed | xxxxxx | 2026-05-11 09:37 | 2026-05-11 12:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Originator exception granted to allow property < 500 sq ft, Non-material waiver applied with comp factors. Comparables of appraisal are consistent with subject property and has no impact on marketability. - Due Diligence Vendor-05/11/2026 <br> Open-1. Subject property's xxxxxx square feet does not meet the 500 minimum required by Guideline Section 2.10.6.4. Exception in file by Lender and approved by Client. <br> 2. Subject property is a xxxxxx and does not meet the xxxxxx requirement of Guideline Section 2.10.6.4. Exception in file by Lender and approved by Client. - Due Diligence Vendor-05/11/2026 |  | Waived-Originator exception granted to allow property < 500 sq ft, Non-material waiver applied with comp factors. Comparables of appraisal are consistent with subject property and has no impact on marketability. - Due Diligence Vendor-05/11/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 | Credit Score 10 points > minimum required<br> Experienced investor owns and manages 2 or more properties for 12 months<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864386 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864387 | xxxxxx C A | Closed | xxxxxx | 2026-04-21 12:46 | 2026-04-28 07:32 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Received copy Non-Borrower Title Holder signed Right of Rescission Form. Finding Resolved. - Due Diligence Vendor-04/28/2026 <br> Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form -----Missing ROR signed by Non-Borrowing Title Holder. - Due Diligence Vendor-04/21/2026 |  | Resolved-Received copy Non-Borrower Title Holder signed Right of Rescission Form. Finding Resolved. - Due Diligence Vendor-04/28/2026 | CLTV is less than guidelines maximum - Required is 80 Borrower has 54.12<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 776 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864399 | xxxxxx D B A | Closed | xxxxxx | 2026-05-04 08:56 | 2026-05-05 09:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-After further review, the lender's guides do not require a condo questionnaire. Condo warranty in the loan file. - Due Diligence Vendor-05/05/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing Condo Questionnaire. Certification in the file. - Due Diligence Vendor-05/04/2026 |  | Resolved-After further review, the lender's guides do not require a condo questionnaire. Condo warranty in the loan file. - Due Diligence Vendor-05/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 753 Required is 620 Borrower has 753<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.56 Required is 50 Borrower has 33.56<br>LTV is less than guideline maximum - Required is 80 Borrower has 55.56 Required is 80 Borrower has 55.56 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864399 | xxxxxx D B A | Closed | xxxxxx | 2026-04-30 17:43 | 2026-04-30 17:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/30/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/30/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 753 Required is 620 Borrower has 753<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.56 Required is 50 Borrower has 33.56<br>LTV is less than guideline maximum - Required is 80 Borrower has 55.56 Required is 80 Borrower has 55.56 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 864410 | xxxxxx D A | Closed | xxxxxx | 2026-05-07 18:21 | 2026-05-14 13:51 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-REO income calc updated. The borrower did not own property xxxxxx for all 12 months of 2023. Per xxxxxx guides only the 2024 tax returns were used. - Due Diligence Vendor-05/14/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. DTI exceeds guidelines<br> 2. Income docs missing for B1 and B2. - Due Diligence Vendor-05/07/2026 |  | Resolved-REO income calc updated. The borrower did not own property xxxxxx for all 12 months of 2023. Per xxxxxx guides only the 2024 tax returns were used. - Due Diligence Vendor-05/14/2026 | Months Reserves exceed minimum required - Borrower has an additional 51 months of reserves available.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864410 | xxxxxx D A | Closed | xxxxxx | 2026-05-07 18:29 | 2026-05-14 13:50 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-REO income calc updated. The borrower did not own property xxxxxx for all 12 months of 2023. Per xxxxxx guides only the 2024 tax returns were used. - Due Diligence Vendor-05/14/2026 <br> Open-Audited DTI of 52.13% exceeds Guideline DTI of 50% Lender took one year average for REO xxxxxx should have taken a 19 month average which caused a DTI issue. - Due Diligence Vendor-05/07/2026 |  | Resolved-REO income calc updated. The borrower did not own property xxxxxx for all 12 months of 2023. Per xxxxxx guides only the 2024 tax returns were used. - Due Diligence Vendor-05/14/2026 | Months Reserves exceed minimum required - Borrower has an additional 51 months of reserves available.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864410 | xxxxxx D A | Closed | xxxxxx | 2026-05-07 17:06 | 2026-05-12 08:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Received Borrower 1 Paystubs - Due Diligence Vendor-05/12/2026 <br> Open-Borrower 1 Paystubs Missing Provide 1 month of paystubs for Commit Consulting along with 2025 W2. Audit used lender calc at initial review. - Due Diligence Vendor-05/07/2026 |  | Resolved-Received Borrower 1 Paystubs - Due Diligence Vendor-05/12/2026 | Months Reserves exceed minimum required - Borrower has an additional 51 months of reserves available.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864410 | xxxxxx D A | Closed | xxxxxx | 2026-05-07 17:06 | 2026-05-12 08:57 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 W2/1099 Less Than 24 Months Provided | Resolved-Received Borrower 1 W2 2024 - Due Diligence Vendor-05/12/2026 <br> Open-Borrower 1 W2/1099 Less Than 24 Months Provided Provide 2024 W2s for B1. - Due Diligence Vendor-05/07/2026 |  | Resolved-Received Borrower 1 W2 2024 - Due Diligence Vendor-05/12/2026 | Months Reserves exceed minimum required - Borrower has an additional 51 months of reserves available.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864410 | xxxxxx D A | Closed | xxxxxx | 2026-05-07 17:06 | 2026-05-12 08:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Received Borrower 2 W2 2025 - Due Diligence Vendor-05/12/2026 <br> Open-Borrower 2 W2/1099 Missing Provide 2025 W2 for xxxxxx - Due Diligence Vendor-05/07/2026 |  | Resolved-Received Borrower 2 W2 2025 - Due Diligence Vendor-05/12/2026 | Months Reserves exceed minimum required - Borrower has an additional 51 months of reserves available.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864410 | xxxxxx D A | Closed | xxxxxx | 2026-05-07 17:26 | 2026-05-12 08:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Borrower 1 3rd Party VOE - Due Diligence Vendor-05/12/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide verification of employment for B1. - Due Diligence Vendor-05/07/2026 |  | Resolved-Received Borrower 1 3rd Party VOE - Due Diligence Vendor-05/12/2026 | Months Reserves exceed minimum required - Borrower has an additional 51 months of reserves available.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864424 | xxxxxx C B A | Closed | xxxxxx | 2026-05-13 07:29 | 2026-05-13 09:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Client exception granted to allow Rent is paid in cash and no current lease for xxxxxx or<br> ADU., Non-materialwaiver applied with comp factors. nonmaterial due to FICO and LTV. - Due Diligence Vendor-05/13/2026 <br> Open-Property is SFR with ADU no lease on property - rent is paid in cash. Exception in file pg 638. - Due Diligence Vendor-05/13/2026 |  | Waived-Client exception granted to allow Rent is paid in cash and no current lease for main house or<br> ADU., Non-materialwaiver applied with comp factors. nonmaterial due to FICO and LTV. - Due Diligence Vendor-05/13/2026 | Long term residence - Borrower has been at current residence for 2+ years. <br>LTV is less than guideline maximum - Required is 70 Borrower has 48.99 Required is 70 Borrower has 48.99 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 864428 | xxxxxx D A | Closed | xxxxxx | 2026-04-20 15:10 | 2026-04-24 11:45 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received asset statement. - Due Diligence Vendor-04/24/2026 <br> Open-Audited Reserves of 3.77 month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-04/20/2026 |  | Resolved-Received asset statement. - Due Diligence Vendor-04/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 21.03<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864428 | xxxxxx D A | Closed | xxxxxx | 2026-04-20 14:36 | 2026-04-24 11:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/24/2026 <br> Open-Missing Third Party Fraud Report. All parties to be cleared through interested parties and OFAC. - Due Diligence Vendor-04/20/2026 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 782<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 21.03<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864430 | xxxxxx C B A | Closed | xxxxxx | 2026-05-04 07:44 | 2026-05-04 16:42 | Waived | 2 - Non-Material C B | Credit | Insurance | Flood Certification Date is greater than Note Date | Waived-Waiver applied to non-material finding. Life of Loan cert was obtained prior to funding, subject is not located in a flood zone (Zone X) and matches the determination on the appraisal. - Due Diligence Vendor-05/04/2026 <br> Open-Flood Certification Date is greater than xxxxxx Flood Cert dated after the Note date. - Due Diligence Vendor-05/04/2026 |  | Waived-Waiver applied to non-material finding. Life of Loan cert was obtained prior to funding, subject is not located in a flood zone (Zone X) and matches the determination on the appraisal. - Due Diligence Vendor-05/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 770<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.38 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 864441 | xxxxxx C A | Closed | xxxxxx | 2026-04-27 09:17 | 2026-05-06 09:58 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title with Title Coverage Amount of xxxxxx - Due Diligence Vendor-05/06/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Please provide updated title document that reflects lenders coverage equal to the amount of the subject loan xxxxxx. <br> Preliminary Report in file does not list title coverage amount. - Due Diligence Vendor-04/27/2026 |  | Resolved-Received updated Title with Title Coverage Amount of xxxxxx - Due Diligence Vendor-05/06/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.03 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864455 | xxxxxx D A | Closed | xxxxxx | 2026-04-24 13:52 | 2026-06-09 16:59 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Title reflects the subject as a SFR. 1004 Appraisal in file used as primary valuation. 1025 completed supports value as does the CDA from xxxxxx. Addtl commentary regarding the multiple meters not required due to subject having an ADU. Property type consistent with Title and value supported by 1004 + 1025 with corresponding CDAs. No addtl clarification from appraiser required. - Due Diligence Vendor-05/14/2026 <br> Counter-Received desk review clearing #2. Missing: (1) Provide clarification on consideration of subject as xxxxxx unit with ADU. (3) Appraiser of 1004 Single Family with ADU to address multi meters. Additional conditions may apply. - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. Uploaded. See Desk Review. - Seller-05/11/2026 <br> Counter-Received rebuttal SFR with ADU. Please address condition: Received appraisal associated with desk review reflecting subject as a xxxxxx unit 1025 appraisal. 1008/Tape/Title reflect xxxxxx unit yet xxxxxx present. (1) Provide clarification on consideration of subject as xxxxxx unit with ADU. (2) Missing desk review for 1004 appraisal received-if considering as SFR with ADU. (3) Appraiser of 1004 Single Family with ADU to address multi meters. Additional conditions may apply. - Due Diligence Vendor-05/05/2026 <br> Ready for Review-xxxxxx Team,<br>THis is SFR with ADU - Seller-05/01/2026 <br> Counter-Received appraisal associated with desk review reflecting subject as a xxxxxx unit 1025 appraisal. 1008/Tape/Title reflect xxxxxx unit yet xxxxxx present. (1) Provide clarification on consideration of subject as xxxxxx unit with ADU. (2) Missing desk review for 1004 appraisal received-if considering as SFR with ADU. (3) Appraiser of 1004 Single Family with ADU to address xxxxxx. Additional conditions may apply. - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. Uploaded. See Appraisal Report - xxxxxx. (xxxxxx for clarification). - Seller-04/29/2026 <br> Counter-Desk review in file was performed on an appraisal done by xxxxxx. Appraisal in file was done by xxxxxx. It appears we are missing the Appraisal done by xxxxxx. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Rebuttal: Please kindly clarify the condition below. Not sure exactly what is needed? xxxxxx. - Seller-04/27/2026 <br> Open-Appraisal is Missing Missing Appraisal. Desk Review valuation reflects an Appraisal with a value of xxxxxx completed xxxxxx same as the Appraisal in file. However, the Appraiser listed is different from the Appraisal report provided in file. - Due Diligence Vendor-04/24/2026 | Ready for Review-Document Uploaded. Uploaded. See Desk Review. - Seller-05/11/2026 <br> Ready for Review-xxxxxx Team,<br>THis is SFR with ADU - Seller-05/01/2026 <br> Ready for Review-Document Uploaded. Uploaded. See Appraisal Report - xxxxxx. (xxxxxx for clarification). - Seller-04/29/2026 <br> Ready for Review-Rebuttal: Please kindly clarify the condition below. Not sure exactly what is needed? xxxxxx. - Seller-04/27/2026 | Resolved-Title reflects the subject as a SFR. 1004 Appraisal in file used as primary valuation. 1025 completed supports value as does the CDA from xxxxxx. Addtl commentary regarding the multiple meters not required due to subject having an ADU. Property type consistent with Title and value supported by 1004 + 1025 with corresponding CDAs. No addtl clarification from appraiser required. - Due Diligence Vendor-05/14/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.55<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 740 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864456 | xxxxxx C B A | Closed | xxxxxx | 2026-04-22 09:56 | 2026-04-29 09:26 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Required Escrow Account Test | Resolved-Rec'd email: According to our internal audit and xxxxxx Compliance Report, this loan is NOT an HPML. Rate Lock Date: xxxxxx APOR Spread: Under 1.500% - Due Diligence Vendor-04/29/2026 <br> Counter-Subject transaction is a purchase of a primary residence. HPML findings are valid. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Clear Request: Email. <br>Please remove this condition. The subject loan is a Non QM program, and QM based requirements, including escrow impound criteria derived from QM test results, are not applicable to this loan. - Seller-04/24/2026 <br> Open------Statute of limitations – One year; Expiration date: xxxxxx - Due Diligence Vendor-04/22/2026 | Ready for Review-Clear Request: Email. <br>Please remove this condition. The subject loan is a Non QM program, and QM based requirements, including escrow impound criteria derived from QM test results, are not applicable to this loan. - Seller-04/24/2026 | Resolved-Rec'd email: According to our internal audit and xxxxxx Compliance Report, this loan is NOT an HPML. Rate Lock Date: xxxxxx APOR Spread: Under 1.500% - Due Diligence Vendor-04/29/2026 | Verified employment history exceeds guidelines - Borrower business owner from the past 6 years<br>Months Reserves exceed minimum required - Reserves 5.29 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864456 | xxxxxx C B A | Closed | xxxxxx | 2026-04-22 09:56 | 2026-04-29 09:26 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Rec'd email: According to our internal audit and xxxxxx Compliance Report, this loan is NOT an HPML. Rate Lock Date: xxxxxx APOR Spread: Under 1.500% <br>- Due Diligence Vendor-04/29/2026 <br> Counter-Subject transaction is a purchase of a primary residence. HPML findings are valid. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Clear Request: Email. <br>Please remove this condition. The subject loan is a Non QM program, and QM based requirements, including escrow impound criteria derived from QM test results, are not applicable to this loan. - Seller-04/24/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. -----Statute of limitations – One year; Expiration date: xxxxxx - Due Diligence Vendor-04/22/2026 | Ready for Review-Clear Request: Email. <br>Please remove this condition. The subject loan is a Non QM program, and QM based requirements, including escrow impound criteria derived from QM test results, are not applicable to this loan. - Seller-04/24/2026 | Resolved-Rec'd email: According to our internal audit and xxxxxx Compliance Report, this loan is NOT an HPML. Rate Lock Date: xxxxxx APOR Spread: Under 1.500% <br>- Due Diligence Vendor-04/29/2026 | Verified employment history exceeds guidelines - Borrower business owner from the past 6 years<br>Months Reserves exceed minimum required - Reserves 5.29 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864456 | xxxxxx C B A | Closed | xxxxxx | 2026-04-22 09:31 | 2026-04-22 10:38 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/22/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/22/2026 | Verified employment history exceeds guidelines - Borrower business owner from the past 6 years<br>Months Reserves exceed minimum required - Reserves 5.29 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 864458 | xxxxxx B A | Closed | xxxxxx | 2026-04-15 08:48 | 2026-04-15 09:21 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/15/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/15/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 40.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 793 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 864459 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864460 | xxxxxx D B A | Closed | xxxxxx | 2026-04-16 16:45 | 2026-04-20 14:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received section 7 and 8 completed on 1003. Finding Resolved. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Uploaded. See F1003 section 7 and 8. - Seller-04/17/2026 <br> Open-The Final 1003 is Incomplete Missing section 7 and 8 of the final 1003 - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. Uploaded. See F1003 section 7 and 8. - Seller-04/17/2026 | Resolved-Received section 7 and 8 completed on 1003. Finding Resolved. - Due Diligence Vendor-04/20/2026 | Long term residence - Long Term Residence over 2 years. <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 748 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864460 | xxxxxx D B A | Closed | xxxxxx | 2026-04-16 10:11 | 2026-04-16 11:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/16/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/16/2026 | Long term residence - Long Term Residence over 2 years. <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 748 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 864462 | xxxxxx C B A | Closed | xxxxxx | 2026-04-27 11:36 | 2026-05-04 16:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received updated statement. Review used calculated amount as of 4/22/2026. Audited Reserves of 4.17 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Uploaded. See bank statements 4-23-26 pages 14-15. - Seller-05/01/2026 <br> Counter-Received balance inquiry only. Please provide printout through 4/22 reflecting balance $15,217.88 - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. Uploaded. See bank receipt xxxxxx dated 4/22/2026 $15,217.88. - Seller-04/29/2026 <br> Counter-Review is considering more recent account printout for xxxxxx dated 4/3/26 reflecting balance of $2,173.96. Finding remains - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Rebuttal: Please see xxxxxx bank statements dated 3-16-2026 on page 4 of 7 in the amount of $7,322.53. - Seller-04/27/2026 <br> Open-Audited Reserves of 0.52 month(s) are less than Guideline Required Reserves of 4 month(s). Provide sufficient assets to support total reserves required. - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. Uploaded. See bank statements 4-23-26 pages 14-15. - Seller-05/01/2026 <br> Ready for Review-Document Uploaded. Uploaded. See bank receipt xxxxxx dated 4/22/2026 $15,217.88. - Seller-04/29/2026 <br> Ready for Review-Rebuttal: Please see xxxxxx bank statements dated 3-16-2026 on page 4 of 7 in the amount of $7,322.53. - Seller-04/27/2026 | Resolved-Received updated statement. Review used calculated amount as of 4/22/2026. Audited Reserves of 4.17 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-05/04/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 785 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864462 | xxxxxx C B A | Closed | xxxxxx | 2026-04-27 11:20 | 2026-04-29 13:10 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received updated fraud report reflecting all high alerts cleared. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Uploaded. See revised Fraud Report. - Seller-04/27/2026 <br> Open-Fraud Report Shows Uncleared Alerts. Provide a revised Fraud Report with all alerts cleared. - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. Uploaded. See revised Fraud Report. - Seller-04/27/2026 | Resolved-Received updated fraud report reflecting all high alerts cleared. - Due Diligence Vendor-04/29/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 785 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864462 | xxxxxx C B A | Closed | xxxxxx | 2026-04-24 12:54 | 2026-04-24 12:54 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 39.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 785 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 864463 | xxxxxx B A | Closed | xxxxxx | 2026-05-07 09:53 | 2026-05-07 09:53 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-05/07/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-05/07/2026 | Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 41.83<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 710 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 864464 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864465 | xxxxxx B A | Closed | xxxxxx | 2026-04-24 13:36 | 2026-04-24 13:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/24/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/24/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727<br>Months Reserves exceed minimum required - 7.48mos reserves. Per guides, 4 reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 864466 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864468 | xxxxxx C A | Closed | xxxxxx | 2026-04-30 11:37 | 2026-05-06 09:49 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Title and Warranty Deed. - Due Diligence Vendor-05/06/2026 <br> Open-Unsatisfactory Chain of Title provided. Missing 24 mos Chain of Title - Due Diligence Vendor-04/30/2026 |  | Resolved-Received Title and Warranty Deed. - Due Diligence Vendor-05/06/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.13<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 864473 | xxxxxx C A | Closed | xxxxxx | 2026-04-30 07:05 | 2026-05-20 11:56 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Owners Statement for preliminary title requirement. - Due Diligence Vendor-05/20/2026 <br>Open-Property Title Issue Missing executed Owners Property Statement noted in title Requirements. File included an unexecuted copy. Title notes further requirements may be requested prior to the issuance of policy. - Due Diligence Vendor-04/30/2026 |  | Resolved-Received Owners Statement for preliminary title requirement. - Due Diligence Vendor-05/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783 Required is 660 Borrower has 783<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.99 Required is 50 Borrower has 29.99 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864473 | xxxxxx C A | Closed | xxxxxx | 2026-04-30 07:21 | 2026-05-18 11:07 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD confirming disbursement date of xxxxxx - Due Diligence Vendor-05/18/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement date per CD is xxxxxx. - Due Diligence Vendor-04/30/2026 |  | Resolved-Received PCCD confirming disbursement date of xxxxxx - Due Diligence Vendor-05/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783 Required is 660 Borrower has 783<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.99 Required is 50 Borrower has 29.99 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864473 | xxxxxx C A | Closed | xxxxxx | 2026-04-30 08:02 | 2026-05-18 11:05 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Received revised 1003 reflecting collection included in DTI and sufficient reserves for outstanding balance. - Due Diligence Vendor-05/18/2026 <br>Counter-Review of Guideline 5.7 Payment of Derogatory amounts on report. - Individual collection accounts equal to or greater than $250 must be paid in full prior to or at closing. Finding remains. - Due Diligence Vendor-05/08/2026 <br>Open-Delinquent Credit History Does Not Meet Guideline Requirements Credit refresh notes a collection account that is required to be paid. Although note on report states account was previously in dispute and now resolved, there is still an outstanding balance. Guideline Section 5.7 requires that individual collection accounts equal to or greater than $250 must be paid in full prior to or at closing. Additional findings may apply. - Due Diligence Vendor-04/30/2026 |  | Resolved-Received revised 1003 reflecting collection included in DTI and sufficient reserves for outstanding balance. - Due Diligence Vendor-05/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783 Required is 660 Borrower has 783<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.99 Required is 50 Borrower has 29.99 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864473 | xxxxxx C A | Closed | xxxxxx | 2026-04-30 10:36 | 2026-05-18 11:01 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free Letter. - Due Diligence Vendor-05/06/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter. - Due Diligence Vendor-04/30/2026 |  | Resolved-Received Rent Free Letter. - Due Diligence Vendor-05/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783 Required is 660 Borrower has 783<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.99 Required is 50 Borrower has 29.99 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864473 | xxxxxx C A | Closed | xxxxxx | 2026-04-30 08:26 | 2026-05-11 13:36 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received Wire receipt to document gift. - Due Diligence Vendor-05/06/2026 <br>Open-Asset Record 3 Does Not Meet G/L Requirements Missing verification of donor availability and transfer of gift funds meeting requirements of xxxxxx Guide Section B3-4.3-04. Guidelines are silent and defer to xxxxxx. File includes gift letter that states funds are to be wired directly to title but are not reflected on the closing disclosure. Additional findings may apply since funds are required to close. - Due Diligence Vendor-04/30/2026 |  | Resolved-Received Wire receipt to document gift. - Due Diligence Vendor-05/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783 Required is 660 Borrower has 783<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.99 Required is 50 Borrower has 29.99 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864473 | xxxxxx C A | Closed | xxxxxx | 2026-04-28 17:53 | 2026-05-11 07:26 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/11/2026 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-04/28/2026 |  | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783 Required is 660 Borrower has 783<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.99 Required is 50 Borrower has 29.99 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864475 | xxxxxx B A | Closed | xxxxxx | 2026-05-13 10:45 | 2026-05-13 11:50 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding <br> - Due Diligence Vendor-05/13/2026 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-05/13/2026 |  | Waived-Client waiver applied to non material finding <br> - Due Diligence Vendor-05/13/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.29<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 720 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864476 | xxxxxx D A | Closed | xxxxxx | 2026-04-24 17:11 | 2026-04-30 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Permanent Resident Card. - Due Diligence Vendor-04/30/2026 <br>Open-Borrower Citizenship Documentation Is Missing- Permanent resident alien card. - Due Diligence Vendor-04/27/2026 |  | Resolved-Received Permanent Resident Card. - Due Diligence Vendor-04/30/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.93<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 864478 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864483 | xxxxxx C A | Closed | xxxxxx | 2026-05-05 17:58 | 2026-06-08 17:20 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> - Due Diligence Vendor-05/05/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 729 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864483 | xxxxxx C A | Closed | xxxxxx | 2026-05-06 11:05 | 2026-05-18 11:11 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Notary date on security instrument. - Due Diligence Vendor-05/18/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. DOT notary is not dated. - Due Diligence Vendor-05/06/2026 |  | Resolved-Received Notary date on security instrument. - Due Diligence Vendor-05/18/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 729 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864485 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864486 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864488 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 864489 | xxxxxx D A | Closed | xxxxxx | 2026-04-27 08:59 | 2026-05-07 09:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing Appraisal | Resolved-Received corrected 1008 - Due Diligence Vendor-05/07/2026 <br> Counter-Received Lender comment: Please see the attached CDA and let me know if you need further information. Missing final 1008/approval reflecting updated value. Finding remains. - Due Diligence Vendor-05/06/2026 <br> Counter-Received CDA dated xxxxxx, value matches appraisal. Missing final 1008 to reflect value of xxxxxx - Due Diligence Vendor-05/05/2026 <br> Counter-Client Comments - The appraisal reflects a value of xxxxxx, while the desk review was completed at xxxxxx. The variance between the two values is minimal and does not exceed a material threshold (10%). Given the immaterial difference, could you please confirm if the existing documentation may be accepted without requiring an additional desk review or revised appraisal? - AUDIT Response - A new desk review based on the Final revised Appraisal used for qualification is required. Finding remains. - Due Diligence Vendor-04/30/2026 <br> Open-Appraisal submitted to desk review for xxxxxx with appraiser of xxxxxx xxxxxx dated xxxxxx. Appraisal in file reflects a value of xxxxxx by same appraiser. Missing desk review for xxxxxx or appraisal for xxxxxx - Due Diligence Vendor-04/27/2026 |  | Resolved-Received corrected 1008 - Due Diligence Vendor-05/07/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.94 Required is 50 Borrower has 34.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 689 Required is 660 Borrower has 689 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864491 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864495 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864497 | xxxxxx C B A | Closed | xxxxxx | 2026-05-11 10:18 | 2026-05-15 12:47 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Resolved by PCCD dated xxxxxx. Shows Recording Fee of $129. - Due Diligence Vendor-05/14/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($475.00) exceed the comparable charges ($425.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees (Recording Fee) increased by $7.50 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $7.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-05/11/2026 |  | Resolved-Resolved by PCCD dated xxxxxx. Shows Recording Fee of $129. - Due Diligence Vendor-05/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 801<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.7 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864497 | xxxxxx C B A | Closed | xxxxxx | 2026-05-11 09:59 | 2026-05-15 12:46 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/11/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 801<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.7 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 864497 | xxxxxx C B A | Closed | xxxxxx | 2026-05-11 10:18 | 2026-05-14 15:06 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD with disbursement date of xxxxxx. Resolved. - Due Diligence Vendor-05/14/2026 <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. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-05/11/2026 |  | Resolved-Received PCCD with disbursement date of xxxxxx. Resolved. - Due Diligence Vendor-05/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 801<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.7 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864497 | xxxxxx C B A | Closed | xxxxxx | 2026-05-11 10:18 | 2026-05-14 15:06 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received valid COC for appraisal fee increase dated xxxxxx. Resolved. - Due Diligence Vendor-05/14/2026 <br> Ready for Review-Document Uploaded. Uploading COC for the fee change - Seller-05/14/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $475.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees (Appraisal Fee) increased by $475.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $475.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx.<br>- Due Diligence Vendor-05/11/2026 | Ready for Review-Document Uploaded. Uploading COC for the fee change - Seller-05/14/2026<br>| Resolved-Received valid COC for appraisal fee increase dated xxxxxx. Resolved. - Due Diligence Vendor-05/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 801<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.7 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864501 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 864502 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864548 | xxxxxx D A | Closed | xxxxxx | 2026-05-13 07:37 | 2026-05-22 14:41 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received May 2025 xxxxxx statement. The Final Reviewed QM Status is acceptable - Due Diligence Vendor-05/20/2026 <br>Ready for Review-Document Uploaded. - Buyer-05/18/2026 <br>Counter-Review did not receive upload. Please provide May 2025 business bank statement. - Due Diligence Vendor-05/18/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing May 2025 bank statement on 12-mo bank stmt loan. - Due Diligence Vendor-05/13/2026 |  | Resolved-Received May 2025 xxxxxx statement. The Final Reviewed QM Status is acceptable - Due Diligence Vendor-05/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.61<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 718 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864548 | xxxxxx D A | Closed | xxxxxx | 2026-05-12 14:47 | 2026-05-20 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received May 2025 bank statement, updated Worksheet - Due Diligence Vendor-05/20/2026 <br>Ready for Review-Document Uploaded. - Buyer-05/18/2026 <br>Counter-Review did not receive upload. Please provide May 2025 business bank statement. - Due Diligence Vendor-05/18/2026 <br>Open-Borrower 1 Business Bank Statements Missing File is missing May 2025 bank statement and instead has a May 2024 statement. Additional conditions may apply, pending review. - Due Diligence Vendor-05/12/2026 |  | Resolved-Received May 2025 bank statement, updated Worksheet - Due Diligence Vendor-05/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.61<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 718 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864550 | xxxxxx C B A | Closed | xxxxxx | 2026-05-04 05:47 | 2026-05-07 09:41 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage, Ex A legal description attached. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/07/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description<br> - Due Diligence Vendor-05/04/2026 |  | Resolved-Received Mortgage, Ex A legal description attached. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/07/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 67.74<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.41<br>Long term residence - Borrower in subejct primary 20 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864550 | xxxxxx C B A | Closed | xxxxxx | 2026-05-04 06:11 | 2026-05-04 11:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-05/04/2026 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program RURAL property not permitted. The loan file contians an approved exception allowing Rural property. Additonal findings may apply. - Due Diligence Vendor-05/04/2026 |  | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-05/04/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 67.74<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.41<br>Long term residence - Borrower in subejct primary 20 years | FICO 741(700)<br> LTV 67.74% (80%) <br> DTI 30.409%(50%) <br> Subject property/currentprimary home ownership 20years (> 2years);<br> S/E for 6years (>5years) | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 864557 | xxxxxx C B A | Closed | xxxxxx | 2026-04-24 14:15 | 2026-06-08 17:24 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - DTI 4.28% is lower than allowable 45% FTHB Required is 45 Borrower has 4.28<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines SE for over 3yrs |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864557 | xxxxxx C B A | Closed | xxxxxx | 2026-04-24 14:15 | 2026-04-30 07:33 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/30/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($20.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($3,935.25). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----Lender credit decreased from $3,935.25 to $20.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $$3,915.25, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/24/2026 |  | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/30/2026<br>| Qualifying DTI below maximum allowed - DTI 4.28% is lower than allowable 45% FTHB Required is 45 Borrower has 4.28<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines SE for over 3yrs |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864557 | xxxxxx C B A | Closed | xxxxxx | 2026-04-24 13:56 | 2026-04-24 14:26 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-04/24/2026<br>| Qualifying DTI below maximum allowed - DTI 4.28% is lower than allowable 45% FTHB Required is 45 Borrower has 4.28<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines SE for over 3yrs |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864559 | xxxxxx B A | Closed | xxxxxx | 2026-05-21 09:39 | 2026-05-22 09:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted to allow ADU Sq ft greater than primary house. Non-material waiver applied with comp factors. ADU is xxxxxx sq ft and primary unit is xxxxxx. - Due Diligence Vendor-05/22/2026 <br> Open-Property Issues are identified for the property ADU is larger than the primary house. - Due Diligence Vendor-05/21/2026 |  | Waived-Client exception granted to allow ADU Sq ft greater than primary house. Non-material waiver applied with comp factors. ADU is xxxxxx sq ft and primary unit is xxxxxx. - Due Diligence Vendor-05/22/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 742<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines; Reserves exceed requirement by 10 months or more LTV/CLTV 10% or more below the maximum allowed under applicable guideline and Reserves exceed requirement by 10 months or more | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864559 | xxxxxx B A | Closed | xxxxxx | 2026-05-19 14:22 | 2026-05-20 08:10 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-05/19/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-05/19/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 742<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864561 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864562 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864563 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864568 | xxxxxx B A | Closed | xxxxxx | 2026-05-15 15:02 | 2026-05-15 15:02 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/15/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/15/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 64.19<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.16<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 743 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 864575 | xxxxxx C B A | Closed | xxxxxx | 2026-04-20 12:08 | 2026-04-23 14:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client provided a waiver for Rural Properties, applied to non material finding with comp factors - Due Diligence Vendor-04/23/2026 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program. Rural properties are ineligible for Expanded xxxxxx. - Due Diligence Vendor-04/20/2026 |  | Waived-Client provided a waiver for Rural Properties, applied to non material finding with comp factors - Due Diligence Vendor-04/23/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income is > $10K monthly. <br>Long term residence - Borrower has lived at primary residence for over 3 years. | Credit Score 30+ points greater than minimum required<br> 0x30 for 24 months on all mortgages | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864577 | xxxxxx C A | Closed | xxxxxx | 2026-04-17 11:40 | 2026-05-01 10:06 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Received PCI. - Due Diligence Vendor-05/01/2026 <br>Open-Missing property condition inspection to accompany the AVM valuation. - Due Diligence Vendor-04/17/2026 |  | Resolved-Received PCI. - Due Diligence Vendor-05/01/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715<br>CLTV is less than guidelines maximum - |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864577 | xxxxxx C A | Closed | xxxxxx | 2026-04-16 12:39 | 2026-04-24 07:24 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC's for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/24/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($236.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $236.00 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $236.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/16/2026 |  | Resolved-Received COC's for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 715<br>CLTV is less than guidelines maximum - |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864597 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864611 | xxxxxx C A | Closed | xxxxxx | 2026-04-29 10:14 | 2026-05-15 09:41 | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received corrected 1003 - Due Diligence Vendor-05/15/2026 <br>Counter-Received LOX stating this was a clerical error. Please provide corrected 1003 - Due Diligence Vendor-05/07/2026 <br>Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. The application states the borrower is a co-signer or guarantor on a debt not disclosed on the application. A letter of explanation addressing this debt is required. Additional stipulations may apply. - Due Diligence Vendor-04/30/2026 |  | Resolved-Received corrected 1003 - Due Diligence Vendor-05/15/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.93<br>LTV is less than guideline maximum - Required is 80 Borrower has 59.88<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 801 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864616 | xxxxxx B A | Closed | xxxxxx | 2026-04-30 18:38 | 2026-04-30 18:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-04/30/2026 <br> Open-Budgeted reserve is 6.91% and does not meet standard 10% requirement. approved exception in file. - Due Diligence Vendor-04/30/2026 |  | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-04/30/2026 | Months Reserves exceed minimum required - An Additional 51 months of reserves available<br> Qualifying DTI below maximum allowed - Required is 43 Borrower has 5.46 | Low DTI%, self employes 8 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864630 | xxxxxx D B A | Closed | xxxxxx | 2026-05-07 10:05 | 2026-05-12 12:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received management acknowledgment of fraud report score. - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Uploaded. See xxxxxx letter approval. - Seller-05/11/2026 <br> Open-Third Party Fraud Report Partially Provided Missing management review and approval by the Underwriting Manager in order to proceed with the loan for a fraud score over 800<br> - Due Diligence Vendor-05/07/2026 | Ready for Review-Document Uploaded. Uploaded. See xxxxxx letter approval. - Seller-05/11/2026<br>| Resolved-Received management acknowledgment of fraud report score. - Due Diligence Vendor-05/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761<br> LTV is less than guideline maximum - Required is 80 Borrower has 44<br> Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.07 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864630 | xxxxxx D B A | Closed | xxxxxx | 2026-05-05 12:50 | 2026-05-05 12:50 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761<br> LTV is less than guideline maximum - Required is 80 Borrower has 44<br> Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 25.07 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 864636 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-16 11:33 | 2026-06-08 17:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 | On time mortgage history exceeds guideline requirement - 0x30x12 required and 0x30x59 verified on credit for 1st mtg secured to brws departure residence (sold prior to closing).<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864636 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-27 10:29 | 2026-04-29 11:00 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable. Lender confirmed a standard 50% expense ratio could be used for bank stmt income calc as a third party prepared expense letter or P&L was not provided to support lenders use of a 30% expense ratio. - Due Diligence Vendor-04/29/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. ATR/QM pending CPA letter with expense ratio at 30%. - Due Diligence Vendor-04/27/2026 |  | Resolved-The Final Reviewed QM Status is acceptable. Lender confirmed a standard 50% expense ratio could be used for bank stmt income calc as a third party prepared expense letter or P&L was not provided to support lenders use of a 30% expense ratio. - Due Diligence Vendor-04/29/2026 | On time mortgage history exceeds guideline requirement - 0x30x12 required and 0x30x59 verified on credit for 1st mtg secured to brws departure residence (sold prior to closing).<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864636 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-16 22:35 | 2026-04-29 10:55 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Waived-Client exception granted to waive requirement for gap credit report. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/29/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/17/2026 |  | Waived-Client exception granted to waive requirement for gap credit report. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-04/29/2026 | On time mortgage history exceeds guideline requirement - 0x30x12 required and 0x30x59 verified on credit for 1st mtg secured to brws departure residence (sold prior to closing).<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. Original credit pull is only 32 days old, with the only inquiry on the report being for this loan. <br> Min FICO required is 680 and Qualifying FICO is 758. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864636 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-17 00:09 | 2026-04-29 10:46 | Resolved | 1 - Information C A | Credit | Income/Employment | Expense letter missing | Resolved-Lender confirmed a standard expense ratio of 50% could be applied for income calculation. - Due Diligence Vendor-04/29/2026 <br> Open-Provide Third Party Prepared Business Expense Statement Letter or Third Party Prepared P&L Statement documenting expense ratio of 30% used by Lender. - Due Diligence Vendor-04/17/2026 |  | Resolved-Lender confirmed a standard expense ratio of 50% could be applied for income calculation. - Due Diligence Vendor-04/29/2026 | On time mortgage history exceeds guideline requirement - 0x30x12 required and 0x30x59 verified on credit for 1st mtg secured to brws departure residence (sold prior to closing).<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864636 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-16 22:35 | 2026-04-27 10:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to 2nd mortgage paid off with sale and evidence first mortgage paid as agreed 12+ months.<br> - Due Diligence Vendor-04/27/2026 <br> Counter-Received HUD for Subject transaction. Second lien is for xxxxxx. HUD in original loan file reflect mortgage with xxxxxx paid off IAO $198,178.29 and xxxxxx paid off IAO $144,888.70. Missing payment history for the xxxxxx not reflected on Credit. - Due Diligence Vendor-04/22/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide mortgage history for 2nd lien mortgage paid off on CD of exiting property, additional findings may apply. - Due Diligence Vendor-04/17/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non material due to 2nd mortgage paid off with sale and evidence first mortgage paid as agreed 12+ months.<br> - Due Diligence Vendor-04/27/2026 | On time mortgage history exceeds guideline requirement - 0x30x12 required and 0x30x59 verified on credit for 1st mtg secured to brws departure residence (sold prior to closing).<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 | 1 - Credit Score 30+ points > minimum required <br> 2 - DTI <= 36% which is below requirement in guidelines | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864636 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-16 11:18 | 2026-04-16 11:18 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/16/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/16/2026 | On time mortgage history exceeds guideline requirement - 0x30x12 required and 0x30x59 verified on credit for 1st mtg secured to brws departure residence (sold prior to closing).<br> Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 758 Required is 680 Borrower has 758 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864643 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 10:37 | 2026-04-20 12:51 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. please see attached copy of Check, LOE to borrower, PCCD and xxxxx tracking. - Seller-04/17/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($270.00) exceed the comparable charges ($181.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fees) increased by $70.90 without a valid COC in file. Lender credit in file for increase above legal limit is $50.90. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $20.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. please see attached copy of Check, LOE to borrower, PCCD and xxxxxx tracking. - Seller-04/17/2026 | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 802<br> LTV is less than guideline maximum - Required is 90 Borrower has 80<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.77 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864681 | xxxxxx D A | Closed | xxxxxx | 2026-04-30 06:15 | 2026-05-26 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Proof of HOA dues provided. - Due Diligence Vendor-05/26/2026 <br> Counter-Received incomplete xxxxxx printout that does not reflect HOA due or Zero. Please provide printout including the Home Details-Facts & Features on xxxxxx for each noted below. - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. - Buyer-05/08/2026 <br> Counter-Received Mtg statement for xxxxxx. Please provide confirmation no HOA dues for Primary, xxxxxx and xxxxxx. xxxxxx can confirm no HOA dues. - Due Diligence Vendor-05/06/2026 <br> Open-1. Missing verification of HOA for primary residence. If applicable, monthly assessment to be included and DTI recalculated. Additional findings may apply.<br> 2. Missing verification of HOA for REO xxxxxx. Audit used the amount disclosed on 1003. Additional findings may apply DTI may require recalculation.<br> 3. Missing verification of HOA for REO xxxxxx. Audit used the amount disclosed on 1003. Additional findings may apply DTI may require recalculation.<br> 4. Missing verification of HOA for REO xxxxxx. Audit used the amount disclosed on 1003. Additional findings may apply DTI may require recalculation.<br> 5. Missing verification of HOA for REO xxxxxx. Audit used the amount disclosed on 1003. Additional findings may apply DTI may require recalculation.<br> 6. Missing verification of HOA for REO xxxxxx. If applicable, monthly assessment to be included and DTI recalculated. Additional findings may apply. - Due Diligence Vendor-04/30/2026 |  | Resolved-Proof of HOA dues provided. - Due Diligence Vendor-05/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 768<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.49<br> CLTV is less than guidelines maximum - Required is 70 Borrower has 64.54 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864681 | xxxxxx D A | Closed | xxxxxx | 2026-04-30 04:16 | 2026-05-19 10:27 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-Appraisal indicates xxxxxx is owned and no UCC filed on title. - Due Diligence Vendor-05/19/2026 <br> Counter-Received copy of appraisal. Please provide confirmation xxxxxx are owned free and clear meeting Guide Section 1.8.2.11. - Due Diligence Vendor-05/06/2026 <br> Open-Missing xxxxxx documentation to determine compliance with Guide Section 1.8.2.11. Appraisal notes owned xxxxxx and includes in sales grid (all comparable sales had xxxxxx). No UCC noted on title. Audit is unable to determine if any related debt. Additional findings may apply. DTI and CLTV may require recalculation. - Due Diligence Vendor-04/30/2026 |  | Resolved-Appraisal indicates xxxxxx is owned and no UCC filed on title. - Due Diligence Vendor-05/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 768<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.49<br>CLTV is less than guidelines maximum - Required is 70 Borrower has 64.54 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864681 | xxxxxx D A | Closed | xxxxxx | 2026-04-30 06:05 | 2026-05-06 11:07 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE and documentation on new accounts opened. - Due Diligence Vendor-05/06/2026 <br> Open-LOX for credit inquiries is missing. Missing LOX for inquiry for home/office furnishings. The other two inquiries are reported as open accounts on the refresh report (1 bank card and 1 credit card). - Due Diligence Vendor-04/30/2026 |  | Resolved-Received credit inquiry LOE and documentation on new accounts opened. - Due Diligence Vendor-05/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 768<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.49<br>CLTV is less than guidelines maximum - Required is 70 Borrower has 64.54 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864692 | xxxxxx C B A | Closed | xxxxxx | 2026-05-14 13:31 | 2026-05-14 13:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Client exception granted, waiver applied with comp factors.<br> - Due Diligence Vendor-05/14/2026 <br> Open-The Calculated DSCR of '0.760' is less than the minimum DSCR per lender guidelines of '1'. DSCR of 1.00 required on cash out loan. - Due Diligence Vendor-05/14/2026 |  | Waived-Client exception granted, waiver applied with comp factors.<br> - Due Diligence Vendor-05/14/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 61.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 | 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> 2 - Reserves exceed requirement by 10 months or more <br> 3 - Current primary home ownership > 10 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 864692 | xxxxxx C B A | Closed | xxxxxx | 2026-05-08 09:18 | 2026-05-14 13:33 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Corrected finding added and waiver applied. - Due Diligence Vendor-05/14/2026 <br> Open-The DSCR .76. Cash out is ineligible on loans with a DSCR between 75 and .99. - Due Diligence Vendor-05/08/2026 |  | Resolved-Corrected finding added and waiver applied. - Due Diligence Vendor-05/14/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 61.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864692 | xxxxxx C B A | Closed | xxxxxx | 2026-05-04 14:25 | 2026-05-11 08:59 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/11/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description - Due Diligence Vendor-05/04/2026 |  | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/11/2026 | LTV is less than guideline maximum - Required is 70 Borrower has 61.67<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864701 | xxxxxx C A | Closed | xxxxxx | 2026-04-24 13:28 | 2026-06-08 17:25 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> - Due Diligence Vendor-04/24/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 645 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864701 | xxxxxx C A | Closed | xxxxxx | 2026-04-27 11:48 | 2026-04-29 10:22 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated LDP/EPLS/OFAC for parties listed below - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/28/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists missing appraiser/appraisal company settlement agent/ settlement company - Due Diligence Vendor-04/27/2026 |  | Resolved-Received updated LDP/EPLS/OFAC for parties listed below - Due Diligence Vendor-04/29/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 645 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864713 | xxxxxx D A C | Closed | xxxxxx | 2026-05-01 15:33 | 2026-05-13 07:23 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. 5/12/26 - please see updated PCCD attached. - Buyer-05/12/2026 <br> Counter-Received PCCD xxxxxx. Tax Service fee is still being paid to the lender in Section B. Finding Remains. - Due Diligence Vendor-05/08/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-05/01/2026 |  | Resolved-Received PCCD xxxxxx correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-05/13/2026 | Qualifying DTI below maximum allowed - Required is 55 Borrower has 48.72<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 792 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864713 | xxxxxx D A C | Closed | xxxxxx | 2026-05-04 17:13 | 2026-05-08 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received proof of ownership from xxxxxx that reflect borrower is 100% sole owner - Due Diligence Vendor-05/08/2026 <br> Open-Provide documentation that borrower is 100% owner of their S-Corp listed on the loan application. The printout from the Secretary of State for the Filing of the Articles of Incorporation does not verify the percentage of ownership. - Due Diligence Vendor-05/04/2026 |  | Resolved-Received proof of ownership from xxxxxx that reflect borrower is 100% sole owner - Due Diligence Vendor-05/08/2026 | Qualifying DTI below maximum allowed - Required is 55 Borrower has 48.72<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 792 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864713 | xxxxxx D A C | Closed | xxxxxx | 2026-05-04 17:04 | 2026-05-08 10:02 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received proof of ownership - Due Diligence Vendor-05/08/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Verification of 100% ownership of business not provided. - Due Diligence Vendor-05/04/2026 |  | Resolved-Received proof of ownership - Due Diligence Vendor-05/08/2026 | Qualifying DTI below maximum allowed - Required is 55 Borrower has 48.72<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 792 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864717 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864728 | xxxxxx C A | Closed | xxxxxx | 2026-04-29 14:42 | 2026-05-05 07:45 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 48.44% is less than or equal to Guideline DTI of 50%. Program switched to xxxxxx. - Due Diligence Vendor-05/05/2026 <br> Open-Audited DTI of 48.44% exceeds Guideline DTI of 45%. Per Client, use xxxxxx guidelines and xxxxxx xxxxxx xxxxxx. The xxxxxx xxxxxx xxxxxx has a max DTI requirement of 45%. - Due Diligence Vendor-04/29/2026 |  | Resolved-Audited DTI of 48.44% is less than or equal to Guideline DTI of 50%. Program switched to xxxxxx. - Due Diligence Vendor-05/05/2026 | Months Reserves exceed minimum required - 87 months PITIA reserves; 6 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 740 |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864745 | xxxxxx C B A | Closed | xxxxxx | 2026-05-06 11:02 | 2026-05-07 13:49 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for xxxxxx xxxxxx | Resolved-Power purchase agreement provided. - Due Diligence Vendor-05/07/2026 <br> Open-xxxxxx Transfer agreement was provided, however it does not show the monthly payment obligation as xxxxxx xxxxxx are leased. Provide document showing assumed payment and balance. - Due Diligence Vendor-05/06/2026 |  | Resolved-Power purchase agreement provided. - Due Diligence Vendor-05/07/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.76 Required is 50 Borrower has 42.76<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 Required is 660 Borrower has 739<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864745 | xxxxxx C B A | Closed | xxxxxx | 2026-05-04 14:27 | 2026-05-04 23:10 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/04/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/04/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.76 Required is 50 Borrower has 42.76<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 739 Required is 660 Borrower has 739<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 Required is 80 Borrower has 75 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 864775 | xxxxxx C A | Closed | xxxxxx | 2026-05-04 12:31 | 2026-05-07 09:31 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-The Tradelines for the borrower(s) meets the guideline requirements or is not applicable. - Due Diligence Vendor-05/07/2026 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Loan file is absent xxxxxx statement identifying the balance of $546 with monthly payment of $40.00. Additional conditions may apply, pending review. - Due Diligence Vendor-05/04/2026 |  | Resolved-The Tradelines for the borrower(s) meets the guideline requirements or is not applicable. - Due Diligence Vendor-05/07/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.15<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864789 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 864794 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864858 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 864860 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 864863 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864865 | xxxxxx D B A | Closed | xxxxxx | 2026-05-06 09:24 | 2026-05-13 07:49 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 <br> Counter-Loan application is dated xxxxxx. In need of Initial LE within 3 days of application. - Due Diligence Vendor-05/12/2026 <br> Open------Missing Initial Loan Estimate. Please provide. - Due Diligence Vendor-05/06/2026 |  | Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864865 | xxxxxx D B A | Closed | xxxxxx | 2026-05-06 09:08 | 2026-05-13 07:49 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 <br> Counter-Loan application is dated xxxxxx. In need of Written List of Service Providers within 3 days of application. - Due Diligence Vendor-05/12/2026 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). ------Missing Initial Loan Estimate and Initial Provider of Services List. Please provide. Unable to Test Properly. - Due Diligence Vendor-05/06/2026 |  | Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864865 | xxxxxx D B A | Closed | xxxxxx | 2026-05-06 09:08 | 2026-05-13 07:49 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 <br> Counter-Loan application is dated xxxxxx. In need of Initial LE within 3 days of application. - Due Diligence Vendor-05/12/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. -----Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-05/06/2026 |  | Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864865 | xxxxxx D B A | Closed | xxxxxx | 2026-05-06 09:08 | 2026-05-13 07:48 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,562.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $1,562.00(Underwriting Fee and Appraisal) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $1,562.00 , post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Missing Initial Loan Estimate. Unable to Test Properly. - Due Diligence Vendor-05/06/2026 |  | Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864865 | xxxxxx D B A | Closed | xxxxxx | 2026-05-06 09:08 | 2026-05-13 07:48 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,168.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Wire Disbursement, Lenders Title, Notary, Recording Service, Settlement, Sub Escrow and Title Endorsement) increased by $2168.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $2168.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Missing Initial Loan Estimate. Unable to Test Properly. Further finding may apply upon receipt. - Due Diligence Vendor-05/06/2026 |  | Resolved-Received information and copy of application from client showing application date of xxxxxx. Finding Resolved. - Due Diligence Vendor-05/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864865 | xxxxxx D B A | Closed | xxxxxx | 2026-05-06 09:22 | 2026-05-12 07:59 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received Intent to Proceed. Finding Resolved. - Due Diligence Vendor-05/12/2026 <br> Open------Missing Intent to Proceed. Please provide. - Due Diligence Vendor-05/06/2026 |  | Resolved-Received Intent to Proceed. Finding Resolved. - Due Diligence Vendor-05/12/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864865 | xxxxxx D B A | Closed | xxxxxx | 2026-05-06 08:57 | 2026-05-12 07:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-05/12/2026 <br> Open-Homeownership Counseling Disclosure Is Missing -----Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-05/06/2026 |  | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-05/12/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864865 | xxxxxx D B A | Closed | xxxxxx | 2026-05-06 08:57 | 2026-05-12 07:56 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-05/12/2026 <br> Open-Missing e-Consent. ----Missing Electronic Consent. Please provide. - Due Diligence Vendor-05/06/2026 |  | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-05/12/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864865 | xxxxxx D B A | Closed | xxxxxx | 2026-05-06 08:57 | 2026-05-06 09:22 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. (Client) waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. (Client) waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 864865 | xxxxxx D B A | Closed | xxxxxx | 2026-05-06 08:57 | 2026-05-06 09:22 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ------Client waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 |  | Waived-Required Affiliated Business Disclosure Missing ------Client waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 54.94 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 864869 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 09:40 | 2026-06-08 15:36 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-- Loan has full appraisal and escrows and is compliant with HPML requirements. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/15/2026 |  | Resolved-- Loan has full appraisal and escrows and is compliant with HPML requirements. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 33.99<br>LTV is less than guideline maximum - Required is 70 Borrower has 62 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864901 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 864902 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864911 | xxxxxx D A | Closed | xxxxxx | 2026-05-11 19:00 | 2026-05-21 11:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received confirmation concurs with RE Tax estimates. Received revised 1008 and 1003 - Due Diligence Vendor-05/21/2026 <br> Open-Missing Evidence of Property Tax Missing real estate tax calculation based on the current fully improved value. Required due to being xxxxxx as of xxxxxx per the appraiser AND being located in xxxxxx which reassess real estate taxes after sale (like xxxxxx) where xxxxxx B3-6-03 says the full tax amount in jurisdictions that reassess after sale must be considered AND because the borrower does not qualify for a Homestead Exemption as the subject is a 2nd Home purchase. Auditor took the Sales Price divided by 1000 then multiplied by the current millage 19.8428 plus non-ad valorem rates of xxxxxx which totals xxxxxx. Lender may accept Auditor's calculation or provide an alternative calculation. If an alternative is provided it must support why the current millage and non-ad valorem taxes verified on the 2025 tax bill are not applicable. (Generic tools like SmartAsset are not eligible as the exact rates are disclosed.) Additional findings may apply. - Due Diligence Vendor-05/11/2026 |  | Resolved-Received confirmation concurs with RE Tax estimates. Received revised 1008 and 1003 - Due Diligence Vendor-05/21/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 812<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.42 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 864911 | xxxxxx D A | Closed | xxxxxx | 2026-05-07 10:45 | 2026-05-15 09:38 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received fully executed 2nd home rider. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/15/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Second home rider is not in file. Please provide. - Due Diligence Vendor-05/07/2026 |  | Resolved-Received fully executed 2nd home rider. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/15/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 812<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.42 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 864913 | xxxxxx C B A | Closed | xxxxxx | 2026-05-04 20:52 | 2026-06-08 17:21 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved--Lender confirmed there are no affiliates. - Due Diligence Vendor-06/08/2026 |  | Resolved--Lender confirmed there are no affiliates. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.83<br>Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864913 | xxxxxx C B A | Closed | xxxxxx | 2026-05-04 13:04 | 2026-06-08 17:21 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/04/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.83<br>Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864913 | xxxxxx C B A | Closed | xxxxxx | 2026-05-04 12:34 | 2026-05-04 12:34 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/04/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/04/2026<br>| Qualifying DTI below maximum allowed - Required is 49.99 Borrower has 44.83<br>Credit history exceeds minimum required - Credit history exceeds the minimum requirement of at least two tradelines reporting within the past 24 months, with documented activity in the last 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 864924 | xxxxxx D A | Closed | xxxxxx | 2026-04-30 13:19 | 2026-05-15 11:46 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Additional bank statements for all accounts received - Due Diligence Vendor-05/14/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing 3 additional months bank statements from all accounts used in the calculation of asset utilization income. Guidelines required 6 months; verified statements from January 2026-March 2026, missing October 2025-December 2025. - Due Diligence Vendor-04/30/2026 |  | Resolved-Additional bank statements for all accounts received - Due Diligence Vendor-05/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801<br>Months Reserves exceed minimum required - 48.71 mos reserves; 6 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864924 | xxxxxx D A | Closed | xxxxxx | 2026-04-30 14:45 | 2026-05-14 09:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Received December 2025 xxxxxx statement - Due Diligence Vendor-05/14/2026 <br> Counter-Received statements, missing Dec for xxxxxx - Due Diligence Vendor-05/08/2026 <br> Open-Borrower 1 Personal Bank Statements Missing Missing 3 additional months bank statements from all accounts used in calculation of Asset Utilization income. The January 2026-March 2026 statements were provided, missing October 2025-December 2025 Statements for all accounts. - Due Diligence Vendor-04/30/2026 |  | Resolved-Received December 2025 xxxxxx statement - Due Diligence Vendor-05/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801<br>Months Reserves exceed minimum required - 48.71 mos reserves; 6 mos required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864928 | xxxxxx B A | Closed | xxxxxx | 2026-05-20 13:53 | 2026-05-20 13:53 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-05/20/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-05/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.98 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 864988 | xxxxxx C A | Closed | xxxxxx | 2026-05-12 20:44 | 2026-05-13 12:09 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Guides corrected to xxxxxx guides and matrix. No reserves required. - Due Diligence Vendor-05/13/2026 <br> Open-Audited Reserves of 1.01 month(s) are less than Guideline Required Reserves of 3 month(s) Loan locked as xxxxxx xxxxxx which requires 3 months of reserves. - Due Diligence Vendor-05/13/2026 |  | Resolved-Guides corrected to xxxxxx guides and matrix. No reserves required. - Due Diligence Vendor-05/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.85<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 701 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865004 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 865005 | xxxxxx C B A | Closed | xxxxxx | 2026-04-08 13:11 | 2026-06-08 17:16 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/08/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Min $1,500, actual 5,604.12<br> Verified employment history exceeds guidelines - EA letter verified borrower has been in business since xxxxxx. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865005 | xxxxxx C B A | Closed | xxxxxx | 2026-04-09 13:35 | 2026-04-14 13:27 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR from landlord reflecting 0 x30 (fraud report page 324) verified ownership . - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. Please see attached VOR reflect never late - Seller-04/10/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provided a satisfactory 12 month rental history for the borrower's primary residence. Additional conditions may apply. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see attached VOR reflect never late - Seller-04/10/2026<br>| Resolved-Received VOR from landlord reflecting 0 x30 (fraud report page 324) verified ownership . - Due Diligence Vendor-04/14/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Min $1,500, actual 5,604.12<br> Verified employment history exceeds guidelines - EA letter verified borrower has been in business since xxxxxx. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865005 | xxxxxx C B A | Closed | xxxxxx | 2026-04-09 14:20 | 2026-04-14 12:47 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Upon further review - Gift Letter covers amount given - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. Disagree, GIFT amount covers required closing gift amount. Lender notes NON QM guideline Does Not require the Gift amount to be exact If and when the actual Gift wired amount or Gift of Equity amount is less than the gift amount stated on the gift letter. The Gift letter states gift amount at $179,709 and the Gift of Equity amount needed to close is less at $179,633.76. No further documentation is required. Please expedite this to be cleared as soon as possible - Seller-04/10/2026 <br> Open-Provide corrected Gift of Equity letter where amount gifted matches final gift of equity at closing. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Disagree, GIFT amount covers required closing gift amount. Lender notes NON QM guideline Does Not require the Gift amount to be exact If and when the actual Gift wired amount or Gift of Equity amount is less than the gift amount stated on the gift letter. The Gift letter states gift amount at $179,709 and the Gift of Equity amount needed to close is less at $179,633.76. No further documentation is required. Please expedite this to be cleared as soon as possible - Seller-04/10/2026 | Resolved-Upon further review - Gift Letter covers amount given - Due Diligence Vendor-04/14/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Min $1,500, actual 5,604.12<br> Verified employment history exceeds guidelines - EA letter verified borrower has been in business since xxxxxx. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865005 | xxxxxx C B A | Closed | xxxxxx | 2026-04-08 12:10 | 2026-04-08 12:10 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/08/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/08/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Min $1,500, actual 5,604.12<br> Verified employment history exceeds guidelines - EA letter verified borrower has been in business since xxxxxx. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 865009 | xxxxxx D A C | Closed | xxxxxx | 2026-04-20 14:14 | 2026-06-08 17:31 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/20/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 37.29<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865009 | xxxxxx D A C | Closed | xxxxxx | 2026-04-21 17:21 | 2026-04-23 12:38 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Housing history was provided. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/22/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing rental history. - Due Diligence Vendor-04/21/2026 | Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/22/2026<br>| Resolved-Housing history was provided. - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 37.29<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865009 | xxxxxx D A C | Closed | xxxxxx | 2026-04-22 00:33 | 2026-04-23 12:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Gift letter provided the relationship. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. We respectfully disagree. The noted Gift Letter provides the relationship of the Donor and Borrower. Not further explanation is required. - Seller-04/22/2026 <br> Open-Due to Non-Arm's Length transaction, a Letter of Explanation regarding the relationship between the parties is required and missing from the file. <br> It should be noted that the gift letter in file (for the gift of equity) contains the following caveat which is not applicable:<br> "(4) The funds given to the homebuyer were not made available to the donor from any person or entity with an interest in the sale of the property including the seller,real estate agent or broker, builder, loan officer, or any entity associated with them." - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. We respectfully disagree. The noted Gift Letter provides the relationship of the Donor and Borrower. Not further explanation is required. - Seller-04/22/2026<br>| Resolved-Gift letter provided the relationship. - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 37.29<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865009 | xxxxxx D A C | Closed | xxxxxx | 2026-04-21 16:43 | 2026-04-23 12:32 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History was provided. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/22/2026 <br> Open-Housing History Does Not Meet Guideline Requirements A 12 month rental history for the borrower is missing from the loan file. Once received and reviewed, additional findings may apply. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/22/2026<br>| Resolved-Housing History was provided. - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 37.29<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865010 | xxxxxx C A | Closed | xxxxxx | 2026-04-23 16:03 | 2026-04-28 10:42 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/24/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description attached to the mortgage documentaion. - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/24/2026<br>| Resolved-Received complete security instrument inclusive of legal description - Due Diligence Vendor-04/28/2026<br>| Qualifying DTI below maximum allowed - . Required is 50 Borrower has 41.82<br>Qualifying FICO score is at least 20 points above minimum for program - . Required is 680 Borrower has 792<br>LTV is less than guideline maximum - . Required is 85 Borrower has 72.49 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865010 | xxxxxx C A | Closed | xxxxxx | 2026-04-22 10:38 | 2026-04-27 10:56 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received lock confirmation for fees. Finding Resolved. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. NO COC WAS COMPLETED - Seller-04/24/2026 <br> Ready for Review-Document Uploaded. There was a lock extension- attached - Seller-04/24/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $180.48.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $180.48 Points - (Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $180.48, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. NO COC WAS COMPLETED - Seller-04/24/2026 <br>Ready for Review-Document Uploaded. There was a lock extension- attached - Seller-04/24/2026<br>| Resolved-Received lock confirmation for fees. Finding Resolved. - Due Diligence Vendor-04/27/2026<br>| Qualifying DTI below maximum allowed - . Required is 50 Borrower has 41.82<br>Qualifying FICO score is at least 20 points above minimum for program - . Required is 680 Borrower has 792<br>LTV is less than guideline maximum - . Required is 85 Borrower has 72.49 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865011 | xxxxxx C B A | Closed | xxxxxx | 2026-04-17 16:30 | 2026-04-22 10:48 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR for most recent 6 mo primary rent Sept2025 - Feb 2026. and xpl previously borrower resided at xxxxxx, Sale Closing statement dated xxxxxx reflecting no mortgage was paid off, supporting statement of residing F/C. CBR reflects buidling address reported > 12+ mo. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. See attached. - Seller-04/21/2026 <br> Counter-Received settlement statement for previous residence confirming owned free and clear. Review is unable to locate VOR for current residence $2,800 for 6 months. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. The borrower sold the building where he resided prior to his current rental. He owned that building F/C; as such, a payment history does not apply for that time period. Please see attached. - Seller-04/20/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower currently rents for 6 months paying $2,800 and previously owned for 15 years. A 12 month housing history is not in the file. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. See attached. - Seller-04/21/2026 <br> Ready for Review-Document Uploaded. The borrower sold the building where he resided prior to his current rental. He owned that building F/C; as such, a payment history does not apply for that time period. Please see attached. - Seller-04/20/2026 | Resolved-Received VOR for most recent 6 mo primary rent Sept2025 - Feb 2026. and xpl previously borrower resided at xxxxxx building, Sale Closing statement dated xxxxxx reflecting no mortgage was paid off, supporting statement of residing F/C. CBR reflects buidling address reported > 12+ mo. - Due Diligence Vendor-04/22/2026 | LTV is less than guideline maximum - LTV of 57.89% is below the maximum of 70% allowed per guidelines Required is 75 Borrower has 57.89<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 697 which exceeds the minimum of 660 Required is 660 Borrower has 697<br>Qualifying DTI below maximum allowed - DTI of 9.81% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 9.81 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865011 | xxxxxx C B A | Closed | xxxxxx | 2026-04-17 15:04 | 2026-04-21 15:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for 7 mos reserves < 9mos required, applied to non material finding with comp factors - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/20/2026 <br> Open-Audited Reserves of 8.07 month(s) are less than Guideline Required Reserves of 9 month(s) 1008 reflects exception for reserves required but exception form is missing. Verified assets do not cover minimum required per guidelines. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/20/2026<br>| Waived-Originator provided a waiver for 7 mos reserves < 9mos required, applied to non material finding with comp factors - Due Diligence Vendor-04/21/2026<br>| LTV is less than guideline maximum - LTV of 57.89% is below the maximum of 70% allowed per guidelines Required is 75 Borrower has 57.89<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 697 which exceeds the minimum of 660 Required is 660 Borrower has 697<br>Qualifying DTI below maximum allowed - DTI of 9.81% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 9.81 | LTV is 35% below guidelines<br> DTI: 5% below maximum allowed. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 865014 | xxxxxx D A C | Closed | xxxxxx | 2026-04-20 13:59 | 2026-05-13 10:10 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC and evidence of lock confirmation with pricing change. - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. The lender credit went from $595 to a discount of $$1218 due to the change in the LTV. See attached LE and lock - Seller-05/12/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($595.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -------Lender credit decreased from $595.00 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $595.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. The lender credit went from $595 to a discount of $$1218 due to the change in the LTV. See attached LE and lock - Seller-05/12/2026<br>| Resolved-Received COC and evidence of lock confirmation with pricing change. - Due Diligence Vendor-05/13/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.29 Required is 50 Borrower has 42.29<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 59.18 Required is 85 Borrower has 59.18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 724 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865014 | xxxxxx D A C | Closed | xxxxxx | 2026-04-20 13:59 | 2026-05-13 10:10 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC and evidence of lock confirmation with pricing change. - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. See attached & previous condition - they tie together - Seller-05/12/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $565.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by $565.50 (Discount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $565.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. See attached & previous condition - they tie together - Seller-05/12/2026<br>| Resolved-Received COC and evidence of lock confirmation with pricing change. - Due Diligence Vendor-05/13/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.29 Required is 50 Borrower has 42.29<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 59.18 Required is 85 Borrower has 59.18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 724 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865014 | xxxxxx D A C | Closed | xxxxxx | 2026-04-22 13:06 | 2026-05-01 16:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. Please see attached B2 signed 4506 C request that was uploaded to your system. Please clear this finding. - Seller-04/30/2026 <br> Open-Borrower 2 Executed 4506-T/4506-C is Missing Missing the signed 4506c for B2 required for xxxxxx borrowers. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached B2 signed 4506 C request that was uploaded to your system. Please clear this finding. - Seller-04/30/2026<br>| Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-05/01/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.29 Required is 50 Borrower has 42.29<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 59.18 Required is 85 Borrower has 59.18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 724 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865014 | xxxxxx D A C | Closed | xxxxxx | 2026-04-22 13:49 | 2026-05-01 16:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received tax verification and HOA verification. - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. Please see attached HOA fee for Prop xxxxxx and Prop profile Total Tax of xxxxxx for xxxxxx which is a xxxxxx. These documents were uploaded to your system. Please clear this finding. - Seller-04/30/2026 <br> Open-Missing the following for these properties on the 1003: (1) xxxxxx the yearly taxes and (2) xxxxxx proof that the HOA Fee is annual or monthly since the printout shows a lump sum of $655.65 but does not show whether annual or monthly. Upon receipt additional information maybe required. <br> - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached HOA fee for Prop xxxxxx and Prop profile Total Tax of xxxxxx for xxxxxx which is a xxxxxx. These documents were uploaded to your system. Please clear this finding. - Seller-04/30/2026 | Resolved-Received tax verification and HOA verification. - Due Diligence Vendor-05/01/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.29 Required is 50 Borrower has 42.29<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 59.18 Required is 85 Borrower has 59.18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 724 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865023 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 865026 | xxxxxx C A | Closed | xxxxxx | 2026-04-17 12:26 | 2026-04-22 08:42 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. Attached - Seller-04/21/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ----- Credit Report in section B is payable to Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. Attached - Seller-04/21/2026<br>| Resolved-Received PCCD xxxxxx correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-04/22/2026 | LTV is less than guideline maximum - LTV of 69.52% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 69.52<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 784 which exceeds the minimum of 660 Required is 660 Borrower has 784<br>Qualifying DTI below maximum allowed - LTV of 69.52% is below the maximum of 80% allowed per guidelines Required is 50 Borrower has 40.4 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865027 | xxxxxx D A | Closed | xxxxxx | 2026-04-22 16:43 | 2026-05-01 16:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Mortgage Statements for xxxxxx. Escrows included in all three properties. - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. Please see attached properties in question do not have HOA obligations, xxxxxx - xxxxxx PITI included, 2. Property xxxxxx – Invest xxxxxx includes PITI has escrows. and 3. Property xxxxxx - Invest xxxxxx includes PITI has escrows<br> - Seller-04/30/2026 <br> Open-1. Property xxxxxx: Provide missing Mtg Statement for review verifying terms & escrows. <br> 2. Property xxxxxx: Provide missing Mtg Statement for review verifying terms & escrows. <br> 3. Property xxxxxx: Provide missing Mtg Statement for review. verifying terms & escrows. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached properties in question do not have HOA obligations, xxxxxx - xxxxxx PITI included, 2. Property xxxxxx – Invest xxxxxx includes PITI has escrows. and 3. Property xxxxxx - Invest xxxxxx includes PITI has escrows<br> - Seller-04/30/2026 | Resolved-Received Mortgage Statements for xxxxxx. Escrows included in all three properties. - Due Diligence Vendor-05/01/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 795<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 28.23 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865029 | xxxxxx C A | Closed | xxxxxx | 2026-04-17 11:55 | 2026-04-21 15:12 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received rental history. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Lender notes the mortgage on credit is for investment property and only requires mortgage rating within 60 days of the Note., We have credit supplement that shows rating up to xxxxxx, does suffice. The primary home is rented at $2,550, see attached Lease and 12mo Cancelled check copies - Seller-04/20/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Provide missing 12 Months Rental History with 0x30 for the Primary Residence.<br>Provide Credit Supplement for property a; mortgage statement in file dated xxxxxx; loan closed xxxxxx. need proof of January-March 2026 payments. Additional findings may apply. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. Lender notes the mortgage on credit is for investment property and only requires mortgage rating within 60 days of the Note., We have credit supplement that shows rating up to xxxxxx, does suffice. The primary home is rented at $2,550, see attached Lease and 12mo Cancelled check copies - Seller-04/20/2026 | Resolved-Received rental history. - Due Diligence Vendor-04/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797<br>LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.22 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865029 | xxxxxx C A | Closed | xxxxxx | 2026-04-17 10:18 | 2026-04-21 15:10 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received lease and proof of 12 months payments. Other mtg verified paid within 45 days of application. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Lender notes the mortgage on credit is for investment property and only requires mortgage rating within 60 days of the Note., We have credit supplement that shows rating up to xxxxxx, does suffice. The primary home is rented at $2,550, see attached Lease and 12mo Cancelled check copies - Seller-04/20/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide missing 12 Months Rental History with 0x30 for the Primary Residence.<br>Provide Credit Supplement for property a; mortgage statement in file dated xxxxxx; loan closed xxxxxx. need proof of January-March 2026 payments. Additional findings may apply. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. Lender notes the mortgage on credit is for investment property and only requires mortgage rating within 60 days of the Note., We have credit supplement that shows rating up to xxxxxx, does suffice. The primary home is rented at $2,550, see attached Lease and 12mo Cancelled check copies - Seller-04/20/2026 | Resolved-Received lease and proof of 12 months payments. Other mtg verified paid within 45 days of application. - Due Diligence Vendor-04/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797<br>LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.22 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865030 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 865031 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 865034 | xxxxxx D A | Closed | xxxxxx | 2026-04-20 12:51 | 2026-04-23 16:48 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Received Seller CD. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 <br> Open-Asset 4 Does Not Meet Guideline Requirements Provide missing Final Sales Disclosure for Exiting Property. Wire Received. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026<br>| Resolved-Received Seller CD. - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 726. Required is 680 Borrower has 726<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 43.8%. Required is 50 Borrower has 43.8<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865034 | xxxxxx D A | Closed | xxxxxx | 2026-04-20 11:07 | 2026-04-23 16:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 <br> Open-Title Document is missing Provide Missing Title. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 726. Required is 680 Borrower has 726<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 43.8%. Required is 50 Borrower has 43.8<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865034 | xxxxxx D A | Closed | xxxxxx | 2026-04-21 03:06 | 2026-04-23 16:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026<br>| Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet is Present or Not Required - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 726. Required is 680 Borrower has 726<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 43.8%. Required is 50 Borrower has 43.8<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865035 | xxxxxx D B A | Closed | xxxxxx | 2026-04-14 14:04 | 2026-04-17 12:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received dated CPA letter verifying employment for borrower - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing The CPA Letter in fle, which verified the borrower's self-employment for more than 24 years, is active and in good standing, is not dated. As a result, audit unable to provide a date the borrower's self-employment was verified. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026<br>| Resolved-Received dated CPA letter verifying employment for borrower - Due Diligence Vendor-04/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.52 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865035 | xxxxxx D B A | Closed | xxxxxx | 2026-04-14 09:48 | 2026-04-14 09:48 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material findings. - Due Diligence Vendor-04/14/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material findings. - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 735<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.52 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 865037 | xxxxxx D A C | Closed | xxxxxx | 2026-04-24 12:28 | 2026-04-28 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter and xxxxxx verification. - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/27/2026 <br> Open-Borrower 1 CPA Letter Missing Missing CPA letter to verify borrower's ownership. - Due Diligence Vendor-04/24/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/27/2026<br>| Resolved-Received CPA letter and xxxxxx verification. - Due Diligence Vendor-04/28/2026 | LTV is less than guideline maximum - LTV of 45.42% is below the maximum of 70% allowed per guidelines Required is 70 Borrower has 45.42<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 787 which exceeds the minimum of 640 Required is 640 Borrower has 787 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865037 | xxxxxx D A C | Closed | xxxxxx | 2026-04-24 23:21 | 2026-04-28 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received ITIN letter. - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/27/2026 <br>Open-Borrower Citizenship Documentation Is Missing Missing ITIN Letter - Due Diligence Vendor-04/25/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/27/2026<br>| Resolved-Received ITIN letter. - Due Diligence Vendor-04/28/2026<br>| LTV is less than guideline maximum - LTV of 45.42% is below the maximum of 70% allowed per guidelines Required is 70 Borrower has 45.42<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 787 which exceeds the minimum of 640 Required is 640 Borrower has 787 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865037 | xxxxxx D A C | Closed | xxxxxx | 2026-04-23 12:45 | 2026-04-28 08:01 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received LE and COC. Finding Resolved. - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. The LE was locked - Seller-04/27/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($788.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ---------Lender credit decreased from $788.00 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $788.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. The LE was locked - Seller-04/27/2026<br>| Resolved-Received LE and COC. Finding Resolved. - Due Diligence Vendor-04/28/2026<br>| LTV is less than guideline maximum - LTV of 45.42% is below the maximum of 70% allowed per guidelines Required is 70 Borrower has 45.42<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 787 which exceeds the minimum of 640 Required is 640 Borrower has 787 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865042 | xxxxxx D A | Closed | xxxxxx | 2026-04-21 08:38 | 2026-04-23 09:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-All REO PITIA was confirmed - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. Please see attached missing items documentation. Please expedite this to be cleared as soon as possible - Seller-04/22/2026 <br> Open-Missing proof of the following for the Real Estate Owned: (1) properties xxxxxx & xxxxxx missing proof of the new PITIA payment, the 1008(s) provided do not reflect it since it is an Investment and (2) xxxxxx- missing proof of the taxes. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. Please see attached missing items documentation. Please expedite this to be cleared as soon as possible - Seller-04/22/2026<br>| Resolved-All REO PITIA was confirmed - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 717 Required is 680 Borrower has 717<br>Qualifying DTI below maximum allowed - DTI is 26.29% with max of 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865044 | xxxxxx D B A | Closed | xxxxxx | 2026-04-27 13:53 | 2026-06-09 11:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Originator exception granted to allow waiving of escrows with a loan amount greater than 2M, Non-material waiver applied with comp factors. - Due Diligence Vendor-04/27/2026 <br> Open-Exception Request: Loan amount greater than $2M restricts impounds from being waived. Exception approval in loan file. - Due Diligence Vendor-04/27/2026 |  | Waived-Originator exception granted to allow waiving of escrows with a loan amount greater than 2M, Non-material waiver applied with comp factors.. - Due Diligence Vendor-04/27/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 768<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37 | - Qualifying FICO Score is 20+ above min for program<br> - DTI 10% below max allowed<br> - 5 years at job | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 865044 | xxxxxx D B A | Closed | xxxxxx | 2026-04-27 13:36 | 2026-04-30 16:03 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Housing and employment conditions have been cleared. - Due Diligence Vendor-04/30/2026 <br>Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/28/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Upon receipt of the conditions the ATR/QM should be able to be determined. Additional conditions maybe required. Housing and employment verification conditioned for. - Due Diligence Vendor-04/27/2026 | Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/28/2026<br>| Resolved-Housing and employment conditions have been cleared. - Due Diligence Vendor-04/30/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 768<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865044 | xxxxxx D B A | Closed | xxxxxx | 2026-04-27 13:21 | 2026-04-30 15:58 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, 2 SBA loans not mortgages, therefore mortgage rating is NA for those liens. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. he two recorded deeds with xxxxxx are SBA loans, therefore, a mortgage rating is not required. Please see attached payoff demands. - Seller-04/28/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing proof of the most recent 12 months payment history for property xxxxxx & xxxxxx. Upon receipt additional conditions may be required. - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. he two recorded deeds with xxxxxx are SBA loans, therefore, a mortgage rating is not required. Please see attached payoff demands. - Seller-04/28/2026 | Resolved-Upon further review, 2 SBA loans not mortgages, therefore mortgage rating is NA for those liens. - Due Diligence Vendor-04/30/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 768<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865044 | xxxxxx D B A | Closed | xxxxxx | 2026-04-27 13:07 | 2026-04-29 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received CPA letter. - Due Diligence Vendor-04/29/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing the verbal VOE prior to closing. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2026<br>| Resolved-Received CPA letter. - Due Diligence Vendor-04/29/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 768<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865044 | xxxxxx D B A | Closed | xxxxxx | 2026-04-27 13:07 | 2026-04-29 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter. - Due Diligence Vendor-04/29/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2026 <br>Open-Borrower 1 CPA Letter Missing Missing CPA Letter confirming the borrower's self employment information per guidelines. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2026<br>| Resolved-Received CPA letter. - Due Diligence Vendor-04/29/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 768<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865044 | xxxxxx D B A | Closed | xxxxxx | 2026-04-27 13:29 | 2026-04-29 16:01 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Receive Statement. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing the xxxxxx Statement with sufficient assets for closing costs and reserves. Upon receipt additional information may be required. - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2026<br>| Resolved-Receive Statement. - Due Diligence Vendor-04/29/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 768<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865044 | xxxxxx D B A | Closed | xxxxxx | 2026-04-27 12:37 | 2026-04-29 15:59 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received DOT w/Legal. - Due Diligence Vendor-04/29/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2026 <br>Open-The Deed of Trust is Incomplete Missing the Legal Description to the Deed of Trust (Mortgage). Upon receipt additional information maybe required. - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/28/2026<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-04/29/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 768<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.37 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865051 | xxxxxx D A C | Closed | xxxxxx | 2026-04-23 13:21 | 2026-06-08 17:26 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Finding is not valid, Lender notes HPML loan meets NON QM guideline section 12.4 and the closing docs confirms loan closed as a HPML, Appraisal report is provided and escrows not waived. - Seller-04/25/2026 | Ready for Review-Finding is not valid, Lender notes HPML loan meets NON QM guideline section 12.4 and the closing docs confirms loan closed as a HPML, Appraisal report is provided and escrows not waived. - Seller-04/25/2026<br>| Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.2 Required is 50 Borrower has 42.2<br>Verified employment history exceeds guidelines - Borrower has been self employed for over 3+ years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865051 | xxxxxx D A C | Closed | xxxxxx | 2026-04-24 13:43 | 2026-06-08 11:32 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received proof of gifts and VOR. The Final Reviewed QM Status is acceptable - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Please clear - Seller-04/25/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Upon receipt of the conditions additional information maybe required. - Due Diligence Vendor-04/24/2026 | Ready for Review-Please clear - Seller-04/25/2026<br>| Resolved-Received proof of gifts and VOR. The Final Reviewed QM Status is acceptable - Due Diligence Vendor-04/28/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.2 Required is 50 Borrower has 42.2<br>Verified employment history exceeds guidelines - Borrower has been self employed for over 3+ years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865051 | xxxxxx D A C | Closed | xxxxxx | 2026-04-24 13:19 | 2026-04-28 13:29 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received LOX from landlord w/ proof of ownership. Housing History Meets Guideline Requirements - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. Please see attached VOR shows never late - Seller-04/25/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing proof of the most recent 12 months timely housing payment history. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/24/2026 | Ready for Review-Document Uploaded. Please see attached VOR shows never late - Seller-04/25/2026<br>| Resolved-Received LOX from landlord w/ proof of ownership. Housing History Meets Guideline Requirements - Due Diligence Vendor-04/28/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.2 Required is 50 Borrower has 42.2<br>Verified employment history exceeds guidelines - Borrower has been self employed for over 3+ years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865051 | xxxxxx D A C | Closed | xxxxxx | 2026-04-24 13:35 | 2026-04-28 13:07 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received gift letters as well as proof gifts were sent and received by xxxxxx. - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. Lender notes: All gift funds: $117,000 and $10,000 = total of $127,000, have the verified donor's information within the federal wire details as xxxxxx. Also, Same verified information from the Spouse states xxxxxx for a total of $50,601.52 = $22,000 + $28,601.52. All the Gift funds have been provided and verified. Please expedite this to be cleared as soon as possible - Seller-04/25/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing proof all gift funds were given to the borrower. Gifts funds from letters are: $127,000, $22,000 & $28601.52. The Gifts verified given $117,000- directly to Escrow on 4.16.26. If we can not verify the additional $10,000 from the $127, 000 Gift and the $22,000 & $28601.52 Gifts were given to the borrower, then the loan will be short to close and reserves. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/24/2026 | Ready for Review-Document Uploaded. Lender notes: All gift funds: $117,000 and $10,000 = total of $127,000, have the verified donor's information within the federal wire details as xxxxxx (Brother). Also, Same verified information from the Spouse states xxxxxx for a total of $50,601.52 = $22,000 + $28,601.52. All the Gift funds have been provided and verified. Please expedite this to be cleared as soon as possible - Seller-04/25/2026 | Resolved-Received gift letters as well as proof gifts were sent and received by title co. - Due Diligence Vendor-04/28/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.2 Required is 50 Borrower has 42.2<br>Verified employment history exceeds guidelines - Borrower has been self employed for over 3+ years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865051 | xxxxxx D A C | Closed | xxxxxx | 2026-04-23 12:33 | 2026-04-27 12:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received all pages of Final 1003. finding Resolved. - Due Diligence Vendor-04/27/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/25/2026 <br>Open-The Final 1003 is Incomplete Missing Page 3 of the Final 1003. Upon receipt additions maybe required. - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/25/2026<br>| Resolved-Received all pages of Final 1003. finding Resolved. - Due Diligence Vendor-04/27/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.2 Required is 50 Borrower has 42.2<br>Verified employment history exceeds guidelines - Borrower has been self employed for over 3+ years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865052 | xxxxxx D A C | Closed | xxxxxx | 2026-04-13 09:42 | 2026-04-21 13:46 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received explanation of lock extension on xxxxxx paired with Lock Confirmation generated xxxxxx which shows 0.160 adjustment in pricing for Lock Extension Fee. This explains the increase in points between Initial CD and Final CD. Finding resolved. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-As mentioned in my rebuttal - A COC form was not completed on xxxxxx, but the change was completed within 3 days of the <br> lock extension on xxxxxx on the final CD. The CD on xxxxxx should not have been issued and there <br> was no additional cost to the borrower. Please escalate - Seller-04/20/2026 <br> Counter-Discount points changes from Initial CD xxxxxx to the Final CD dated and signed xxxxxx. Need a COC for the CD dated xxxxxx - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. The pricing did not change from the initial CD that was issued on xxxxxx to xxxxxx.<br>Cost of the lock extension .0059% = $2360 - Seller-04/17/2026 <br> Counter-The date issue date on the CD is xxxxxx which is the day after the closing and a PCCD, COC is o the same date. The Final CD was signed on xxxxxx on which the increase happened. Finding Remains. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. The documents I provided are the correct docs. The COC is the last page and clearly states the $597 and the CD is dated xxxxxx - Seller-04/16/2026 <br> Counter-Increase occurred on Final CD xxxxxx. Please provide COC for that CD. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. There was a lock extension done at a cost of $597. See attached - Seller-04/15/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $597.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $597.00 Loan Discount Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $597.00 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-04/13/2026 | Ready for Review-As mentioned in my rebuttal - A COC form was not completed on xxxxxx, but the change was completed within 3 days of the <br> lock extension on xxxxxx on the final CD. The CD on xxxxxx should not have been issued and there <br> was no additional cost to the borrower. Please escalate - Seller-04/20/2026 <br> Ready for Review-Document Uploaded. The pricing did not change from the initial CD that was issued on xxxxxx to xxxxxx.<br>Cost of the lock extension .0059% = $2360 - Seller-04/17/2026 <br> Ready for Review-Document Uploaded. The documents I provided are the correct docs. The COC is the last page and clearly states the $597 and the CD is dated xxxxxx - Seller-04/16/2026 <br> Ready for Review-Document Uploaded. There was a lock extension done at a cost of $597. See attached - Seller-04/15/2026 | Resolved-Received explanation of lock extension on xxxxxx paired with Lock Confirmation generated xxxxxx which shows 0.160 adjustment in pricing for Lock Extension Fee. This explains the increase in points between Initial CD and Final CD. Finding resolved. - Due Diligence Vendor-04/21/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.36<br>LTV is less than guideline maximum - Required is 75 Borrower has 45.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 777 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865052 | xxxxxx D A C | Closed | xxxxxx | 2026-04-13 14:19 | 2026-04-20 15:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Preparer licensing verification was provided. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/16/2026 <br> Counter-Received xxxxxx letter. Condition remains. Please also include the licensing verification for the preparer of the letter. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 <br> Open-Borrower 1 CPA Letter Missing Provide missing CPA Letter to support the 10% expense factor. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/16/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026<br>| Resolved-Preparer licensing verification was provided. - Due Diligence Vendor-04/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.36<br>LTV is less than guideline maximum - Required is 75 Borrower has 45.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 777 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865052 | xxxxxx D A C | Closed | xxxxxx | 2026-04-13 13:02 | 2026-04-20 15:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Preparer licensing verification was provided. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Please see attached. - Seller-04/16/2026 <br> Counter-xxxxxx letter missing preparer licensing verification - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide missing third party verification that the business is in existence and in good standing - Due Diligence Vendor-04/13/2026 | Ready for Review-Please see attached. - Seller-04/16/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026<br>| Resolved-Preparer licensing verification was provided. - Due Diligence Vendor-04/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.36<br>LTV is less than guideline maximum - Required is 75 Borrower has 45.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 777 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865052 | xxxxxx D A C | Closed | xxxxxx | 2026-04-13 11:36 | 2026-04-16 17:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received ITIN assignment .. Per GL ITIN loan require valid ITIN + unexpired govt id/DL (xxxxxx) - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 <br> Open-Borrower Citizenship Documentation Is Missing Missing citizenship documentation. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026<br>| Resolved-Received ITIN assignment .. Per GL ITIN loan require valid ITIN + unexpired govt id/DL (xxxxxx) - Due Diligence Vendor-04/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.36<br>LTV is less than guideline maximum - Required is 75 Borrower has 45.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 777 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865053 | xxxxxx C A | Closed | xxxxxx | 2026-04-22 15:47 | 2026-05-06 13:47 | Resolved | 1 - Information C A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-The appraisal did not reflect the condo information and the appraiser states it was not completed due to the no response from the HOA at time of inspection. The file contains a complete condo questionnaire with the required condo information. - Due Diligence Vendor-05/06/2026 <br> Counter-Appraisal should be updated to reflect the total number of units. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-The appraisal report, with an effective date of xxxxxx, does not specify the total number of units within the subject xxxxxx project. It appears the appraiser may not have obtained complete project information, potentially due to lack of contact with the HOA at the time of the report.<br>However, the Condo Limited Review completed on xxxxxx provides the project details as follows:<br>xxxxxx total units<br> xxxxxx owner-occupied and second home units<br> xxxxxx investment units<br>The difference in reporting is attributed to the appraisal lacking full project-level data, whereas the Condo Limited Review contains the complete unit breakdown.<br>Although the appraisal does not reflect the full project unit count, the Condo Limited Review supports the total number of units and occupancy composition. This represents a documentation variance rather than a material discrepancy, particularly given the transaction is a rate-and-term refinance of a primary residence. Please clear this finding. - Seller-04/30/2026 <br> Open-Appraisal to match the information on the Condo Questionnaire, as it appears that the Appraiser could not get intouch with the xxxxxx complete the appraisal. Upon receipt additional information maybe required. - Due Diligence Vendor-04/22/2026 | Ready for Review-The appraisal report, with an effective date of xxxxxx, does not specify the total number of units within the subject xxxxxx project. It appears the appraiser may not have obtained complete project information, potentially due to lack of contact with the HOA at the time of the report.<br>However, the Condo Limited Review completed on xxxxxx provides the project details as follows:<br>xxxxxx total units<br> xxxxxx owner-occupied and second home units<br> xxxxxx investment units<br>The difference in reporting is attributed to the appraisal lacking full project-level data, whereas the Condo Limited Review contains the complete unit breakdown.<br>Although the appraisal does not reflect the full project unit count, the Condo Limited Review supports the total number of units and occupancy composition. This represents a documentation variance rather than a material discrepancy, particularly given the transaction is a rate-and-term refinance of a primary residence. Please clear this finding. - Seller-04/30/2026 | Resolved-The appraisal did not reflect the condo information and the appraiser states it was not completed due to the no response from the HOA at time of inspection. The file contains a complete condo questionnaire with the required condo information. - Due Diligence Vendor-05/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 770 Required is 660 Borrower has 770<br>Months Reserves exceed minimum required - Reserves = 35.73 months – Required Reserves = 3 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865053 | xxxxxx C A | Closed | xxxxxx | 2026-04-22 14:58 | 2026-05-04 16:26 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Received documentation from the insurance stating that the master policy has general liability. Letter from the HOA attorney states the HOA is disputing liability and that the case is still in early discovery stages. The litigation does not involve structural issues, health and safety issues or items that will impact the marketability of the project - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. - Seller-04/30/2026 <br> Ready for Review-The xxxxxx project does have pending litigation; however, the Condo Limited Review checklist indicates that the litigation does not involve xxxxxx<br>Additionally, supporting documentation in the file includes correspondence from the HOA confirming that the master insurance policy provides general liability coverage, including slip-and-fall claims.<br>The pending litigation is non-material in nature and does not adversely impact the project's xxxxxx. Based on the documentation provided, this finding should be considered acceptable. - Seller-04/30/2026 <br> Open-The condo project has pending litigation. Per the Condo Questionnaire and supporting documentation in the file, the xxxxxx is currently in litigation. Pending litigation may be accepted on a case-by-case basis. Litigation that involves structural issues, health and safety issues or items that will impact the marketability of the project will not be accepted. Upon receipt of all documentation additional information maybe required. <br> - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. - Seller-04/30/2026 <br> Ready for Review-The xxxxxx project does have pending litigation; however, the Condo Limited Review checklist indicates that the litigation does not involve xxxxxx.<br>Additionally, supporting documentation in the file includes correspondence from the HOA confirming that the master insurance policy provides general liability coverage, including slip-and-fall claims.<br>The pending litigation is non-material in nature and does not adversely impact the project's xxxxxx. Based on the documentation provided, this finding should be considered acceptable. - Seller-04/30/2026 | Resolved-Received documentation from the insurance stating that the master policy has general liability. Letter from the HOA attorney states the HOA is disputing liability and that the case is still in early discovery stages. The litigation does not involve xxxxxx - Due Diligence Vendor-05/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 770 Required is 660 Borrower has 770<br>Months Reserves exceed minimum required - Reserves = 35.73 months – Required Reserves = 3 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865053 | xxxxxx C A | Closed | xxxxxx | 2026-04-22 15:28 | 2026-05-04 10:06 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable. - Due Diligence Vendor-05/04/2026 <br>Ready for Review-Document Uploaded. Please see attached Final 1008 showing UW attestation of Warrantable Condo, Limited Condo Review Questionnaire and Email Correspondence from HOA confirming that the master insurance policy covers general liability especiallly sli p and fall claims. Please clear this finding, - Seller-04/30/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Upon receipt of all conditions ATR/QM maybe able to be determined. Additional conditions maybe required. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached Final 1008 showing UW attestation of Warrantable Condo, Limited Condo Review Questionnaire and Email Correspondence from HOA confirming that the master insurance policy covers general liability especiallly sli p and fall claims. Please clear this finding, - Seller-04/30/2026<br>| Resolved-The Final Reviewed QM Status is acceptable. - Due Diligence Vendor-05/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 770 Required is 660 Borrower has 770<br>Months Reserves exceed minimum required - Reserves = 35.73 months – Required Reserves = 3 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865053 | xxxxxx C A | Closed | xxxxxx | 2026-04-22 15:38 | 2026-05-04 10:04 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-80% mac CLTV for WVOE program and warrantable condo. - Due Diligence Vendor-05/04/2026 <br>Ready for Review-Document Uploaded. Please see attached Final 1008 shows Limited Review with UW Attestation of Warrantable Condo. Please clear this finding. - Seller-04/30/2026 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Max LTV allowed for refinance of a Non- Warrantable condo is 75%. Upon receipt of information additional conditions may apply. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached Final 1008 shows Limited Review with UW Attestation of Warrantable Condo. Please clear this finding. - Seller-04/30/2026<br>| Resolved-80% mac CLTV for WVOE program and warrantable condo. - Due Diligence Vendor-05/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 770 Required is 660 Borrower has 770<br>Months Reserves exceed minimum required - Reserves = 35.73 months – Required Reserves = 3 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865053 | xxxxxx C A | Closed | xxxxxx | 2026-04-22 15:45 | 2026-05-04 10:01 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Legal Description (Exhibit A) with the Deed of Trust (Mortgage) was provided. - Due Diligence Vendor-05/04/2026 <br>Ready for Review-Document Uploaded. Please see attached Recorded DOT with Exhibit A. Please clear this finding, - Seller-04/30/2026 <br>Open-The Deed of Trust is Incomplete Missing the Legal Description (Exhibit A) from the Deed of Trust (Mortgage). Upon receipt additional information maybe required. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached Recorded DOT with Exhibit A. Please clear this finding, - Seller-04/30/2026<br>| Resolved-Legal Description (Exhibit A) with the Deed of Trust (Mortgage) was provided. - Due Diligence Vendor-05/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 770 Required is 660 Borrower has 770<br>Months Reserves exceed minimum required - Reserves = 35.73 months – Required Reserves = 3 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865053 | xxxxxx C A | Closed | xxxxxx | 2026-04-22 15:43 | 2026-05-04 09:59 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Subject property is a limited review and warrantable xxxxxx. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. Please see attached Final 1008 shows Limited Review with UW Attestation of Warrantable Condo. Please clear this finding. - Seller-04/30/2026 <br> Open-This loan does not met guidelines as the subject is a non-warrantable xxxxxx and is ineligible for WVOE income documentation. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached Final 1008 shows Limited Review with UW Attestation of Warrantable xxxxxx. Please clear this finding. - Seller-04/30/2026 | Resolved-Subject property is a limited review and warrantable xxxxxx. - Due Diligence Vendor-05/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 770 Required is 660 Borrower has 770<br>Months Reserves exceed minimum required - Reserves = 35.73 months – Required Reserves = 3 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865056 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 20:52 | 2026-04-30 14:07 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Review of the guidelines state that xxxxxx xxxxxx lien are to be subordinated and included in the DTI calculation. The title requirement section of the guidelines state the title coverage amount must be the same as the loan amount, the xxxxxx lien amount is not required to covered by the title insurance amount. The subordination agreement states the xxxxxx xxxxxx equipment can be detached from the property. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Counter is not valid... Please read the agreement states the The financing statement associated with this agreement is a purchase money security interest in the xxxxxx ("System") and related equipment that has been installed on the Property and is detachable from the Property. This is personal not real property, see NON QM guideline states - xxxxxx liens are to be subordinated or paid off. Please expedite this to be cleared as soon as possible - Seller-04/28/2026 <br> Counter-Received subordination agreement, for xxxxxx financing. Matrix/guidelines reflect "Any items that include a UCC filing associated with the property and/or will create an easement on title is ineligible". Condition remains. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Disagree, Lender notes the required coverage is xxxxxx for the loan being refinanced in this transaction and the xxxxxx financing is for personal property that is not permanently attached. the proposed title insurance on a refinance is typically issued for the new mortgage lien amount only, personal property liens. Please see attached subordination agreement. Please expedite this to be cleared as soon as possible - Seller-04/16/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Current Title Coverage is xxxxxx. - Due Diligence Vendor-04/16/2026 | Ready for Review-Counter is not valid... Please read the agreement states the The financing statement associated with this agreement is a purchase money security interest in the xxxxxx and related equipment that has been installed on the Property and is detachable from the Property. This is personal not real property, see NON QM guideline states - xxxxxx liens are to be subordinated or paid off. Please expedite this to be cleared as soon as possible - Seller-04/28/2026 <br> Ready for Review-Document Uploaded. Disagree, Lender notes the required coverage is xxxxxx for the loan being refinanced in this transaction and the xxxxxx financing is for personal property that is not permanently attached. the proposed title insurance on a refinance is typically issued for the new mortgage lien amount only, personal property liens. Please see attached subordination agreement. Please expedite this to be cleared as soon as possible - Seller-04/16/2026 | Resolved-Review of the guidelines state that xxxxxx xxxxxx lien are to be subordinated and included in the DTI calculation. The title requirement section of the guidelines state the title coverage amount must be the same as the loan amount, the xxxxxx lien amount is not required to covered by the title insurance amount. The subordination agreement states the xxxxxx xxxxxx equipment can be detached from the property. - Due Diligence Vendor-04/30/2026 | LTV is less than guideline maximum - LTV Required is 85 Borrower has 57.32. Required is 85 Borrower has 57.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 Required is 660 Borrower has 799 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865056 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 11:01 | 2026-04-20 11:07 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. LOCKED LE UPLOADED - Seller-04/16/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. -----Missing revised disclosure issued within 3 days of rate lock. xxxxxx - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. LOCKED LE UPLOADED - Seller-04/16/2026<br>| Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 | LTV is less than guideline maximum - LTV Required is 85 Borrower has 57.32. Required is 85 Borrower has 57.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 Required is 660 Borrower has 799 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865056 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 11:01 | 2026-04-20 11:07 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Initial LE- xxxxxx- loan amount xxxxxx<br> Locked LE - xxxxxx- loan amount xxxxxx (provided)<br> Initial CD- xxxxxx- loan amount xxxxxx<br> Final CD- xxxxxx- loan amount changed to xxxxxx. No COC form was created. LC was xxxxxx + cure of xxxxxx = xxxxxx <br> - Seller-04/16/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($5,839.13) does not exceed or equal the comparable sum of specific and non-specific lender credits ($8,647.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $8,647 to $5,839.13 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $2807.87, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. (COC for decrease missing. Dated xxxxxx), missing corresponding disclosure - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Initial LE- xxxxxx- loan amount xxxxxx<br> Locked LE - xxxxxx- loan amount xxxxxx (provided)<br> Initial CD- xxxxxx- loan amount xxxxxx<br> Final CD- xxxxxx- loan amount changed to xxxxxx. No COC form was created. LC was xxxxxx + cure of xxxxxx = xxxxxx <br> - Seller-04/16/2026 | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 | LTV is less than guideline maximum - LTV Required is 85 Borrower has 57.32. Required is 85 Borrower has 57.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 Required is 660 Borrower has 799 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865056 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 11:01 | 2026-04-20 11:07 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Cure for $31.25 done on final CD for the CR - attached - Seller-04/16/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $30.75.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $30.75 (Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $30.75 , post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Cure for $31.25 done on final CD for the CR - attached - Seller-04/16/2026<br>| Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 | LTV is less than guideline maximum - LTV Required is 85 Borrower has 57.32. Required is 85 Borrower has 57.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 Required is 660 Borrower has 799 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865056 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 12:46 | 2026-04-20 11:07 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. A COC was done on xxxxxx and the initial CD was issued on xxxxxx. There was no change done between that time. See attached - Seller-04/16/2026 <br> Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i))The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). -----The initial closing disclosure delivery date is later than the third business day after the creditor receives information sufficient to establish that a changed circumstance has occurred. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. A COC was done on xxxxxx and the initial CD was issued on xxxxxx. There was no change done between that time. See attached - Seller-04/16/2026 | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 | LTV is less than guideline maximum - LTV Required is 85 Borrower has 57.32. Required is 85 Borrower has 57.32<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 Required is 660 Borrower has 799 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865060 | xxxxxx C A | Closed | xxxxxx | 2026-04-20 12:41 | 2026-04-23 11:29 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Explanation and rate lock provided, finding resolved. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. there was a lock extension done on xxxxxx and a change to the property type. This caused the lender credit to change from $2294.76 to $859.56. There was no CD done, but I have supplied the lock - Seller-04/22/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $859.56.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $$859.56 (Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $859.56, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. there was a lock extension done on xxxxxx and a change to the property type. This caused the lender credit to change from $2294.76 to $859.56. There was no CD done, but I have supplied the lock - Seller-04/22/2026 | Resolved-Explanation and rate lock provided, finding resolved. - Due Diligence Vendor-04/23/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 60 Required is 80 Borrower has 60<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 40.54 Required is 50.49 Borrower has 40.54<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 806 Required is 640 Borrower has 806 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865062 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-10 08:21 | 2026-06-08 11:21 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-The borrower's qualifying income is received as 1099 payments issued directly to the borrower in his individual capacity. Although the borrower may be associated with LLC entities, the LLCs are not the payor of income and are not being used for qualification purposes. Per Section 7.5 (xxxxxx – IRS Form 1099), the required documentation is limited to the most recent two months of bank statements to evidence consistent deposits, which have already been provided and satisfy the guideline requirements. Since no business entity income is being used for qualification, Section 5.1.26 regarding LLC/Corporate verification and CPA letter requirements is not applicable to this transaction. Please clear this finding. - Seller-04/17/2026 <br> Counter-Pending docs. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-The condition states: "Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan," and notes that ATR/QM can be determined upon receipt of conditions. However, it is unclear what specific items or deficiencies are preventing the determination at this time.<br>Could you please clarify what documentation or information is needed to finalize the ATR/QM status? Additionally, if there are any outstanding conditions directly impacting this determination, please specify.<br>xxxxxx, and we look forward to your guidance. - Seller-04/14/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Upon receipt of the conditions, ATR/QM should be able to be determined. Upon receipt of conditions additional information maybe required. - Due Diligence Vendor-04/10/2026 | Ready for Review-The borrower's qualifying income is received as 1099 payments issued directly to the borrower in his individual capacity. Although the borrower may be associated with LLC entities, the LLCs are not the payor of income and are not being used for qualification purposes. Per Section 7.5 (xxxxxx – IRS Form 1099), the required documentation is limited to the most recent two months of bank statements to evidence consistent deposits, which have already been provided and satisfy the guideline requirements. Since no business entity income is being used for qualification, Section 5.1.26 regarding LLC/Corporate verification and CPA letter requirements is not applicable to this transaction. Please clear this finding. - Seller-04/17/2026 <br> Ready for Review-The condition states: "Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan," and notes that ATR/QM can be determined upon receipt of conditions. However, it is unclear what specific items or deficiencies are preventing the determination at this time.<br>Could you please clarify what documentation or information is needed to finalize the ATR/QM status? Additionally, if there are any outstanding conditions directly impacting this determination, please specify.<br>xxxxxx, and we look forward to your guidance. - Seller-04/14/2026 | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/20/2026<br>| LTV is less than guideline maximum - Max LTV is 80 Borrower has 38.6 Required is 75 Borrower has 38.6<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO for ITIN is 640 Borrower has 756 Required is 640 Borrower has 756<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 25.64 Required is 50.49 Borrower has 25.64 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865062 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-10 07:53 | 2026-04-20 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received xxxxxx SOS dated xxxxxx verifying business status is good Standing. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Business Entity Search - xxxxxx. Account is in good standing, formation date is xxxxxx and the registered agent is our borrower. No issues found. The search as run on 4-13 at 2:46pm. Please clear this finding.<br> - Seller-04/13/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing the Verbal VOE prior to close. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. Please see attached xxxxxx Business Entity Search - xxxxxx. Account is in good standing, formation date is xxxxxx and the registered agent is our borrower. No issues found. The search as run on 4-13 at 2:46pm. Please clear this finding.<br> - Seller-04/13/2026 | Resolved-Received xxxxxx SOS dated xxxxxx verifying business status is good Standing. - Due Diligence Vendor-04/15/2026 | LTV is less than guideline maximum - Max LTV is 80 Borrower has 38.6 Required is 75 Borrower has 38.6<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO for ITIN is 640 Borrower has 756 Required is 640 Borrower has 756<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 25.64 Required is 50.49 Borrower has 25.64 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865062 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-10 07:53 | 2026-04-20 14:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Upon further review, the loan file contained sufficient documentation for 1099 income. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-The borrower's qualifying income is received as 1099 payments issued directly to the borrower in his individual capacity. Although the borrower may be associated with LLC entities, the LLCs are not the payor of income and are not being used for qualification purposes.<br>Per Section 7.5 (xxxxxx – IRS Form 1099), the required documentation is limited to the most recent two months of bank statements to evidence consistent deposits, which have already been provided and satisfy the guideline requirements.<br>Since no business entity income is being used for qualification, Section 5.1.26 regarding LLC/Corporate verification and CPA letter requirements is not applicable to this transaction.<br>Please clear this finding. - Seller-04/17/2026 <br> Counter-Section 5.1.26 Verification for SE borrowers for LLC /Corporate verification of current existence of the business require CPA letter to adds whether the b1 bz is registered as single member or multi member. Borrower is SE under LLC and receiving 1099. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Per Section 7.5 (xxxxxx – IRS Form 1099), the requirement is to provide the most recent two months of bank statements to evidence gross deposits consistent with the 1099 income. These documents have already been provided in the file and satisfy the guideline requirements.<br> There is no requirement for a CPA or Tax Preparer letter under this documentation type.<br> Kindly clear this finding. <br>- Seller-04/14/2026 <br> Open-Borrower 1 CPA Letter Missing Missing a CPA/ Tax Preparer Letter confirming how long the borrower has been self employed and receiving 1099 income. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/10/2026 | Ready for Review-The borrower's qualifying income is received as 1099 payments issued directly to the borrower in his individual capacity. Although the borrower may be associated with LLC entities, the LLCs are not the payor of income and are not being used for qualification purposes.<br>Per Section 7.5 (xxxxxx – IRS Form 1099), the required documentation is limited to the most recent two months of bank statements to evidence consistent deposits, which have already been provided and satisfy the guideline requirements.<br>Since no business entity income is being used for qualification, Section 5.1.26 regarding LLC/Corporate verification and CPA letter requirements is not applicable to this transaction.<br>Please clear this finding. - Seller-04/17/2026 <br> Ready for Review-Per Section 7.5 (xxxxxx – IRS Form 1099), the requirement is to provide the most recent two months of bank statements to evidence gross deposits consistent with the 1099 income. These documents have already been provided in the file and satisfy the guideline requirements.<br> There is no requirement for a CPA or Tax Preparer letter under this documentation type.<br> Kindly clear this finding. <br>- Seller-04/14/2026 | Resolved-Upon further review, the loan file contained sufficient documentation for 1099 income. - Due Diligence Vendor-04/20/2026<br>| LTV is less than guideline maximum - Max LTV is 80 Borrower has 38.6 Required is 75 Borrower has 38.6<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO for ITIN is 640 Borrower has 756 Required is 640 Borrower has 756<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 25.64 Required is 50.49 Borrower has 25.64 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865062 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-09 16:12 | 2026-04-15 12:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received ITIN letter and f/b unexpired xxxxxx DL . NPR ITIN requires valid ITIN +unexpired govt id- DL. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Please se attached ITIN Letter and Driver's license that has been uploaded to your system . No issues found. Please clear this finding. - Seller-04/13/2026 <br> Open-Borrower Citizenship Documentation Is Missing Missing proof of the borrower's ITIN Letter/ Card. The borrower(s) must possess a valid ITIN card or IRS ITIN letter, and an Unexpired Government Photo ID (i.e. Driver's license, International Passport, etc.). Upon receipt additional information maybe required. <br> - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please se attached ITIN Letter and Driver's license that has been uploaded to your system . No issues found. Please clear this finding. - Seller-04/13/2026<br>| Resolved-Received ITIN letter and f/b unexpired CO DL . NPR ITIN requires valid ITIN +unexpired govt id- DL. - Due Diligence Vendor-04/15/2026 | LTV is less than guideline maximum - Max LTV is 80 Borrower has 38.6 Required is 75 Borrower has 38.6<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO for ITIN is 640 Borrower has 756 Required is 640 Borrower has 756<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 25.64 Required is 50.49 Borrower has 25.64 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865062 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-09 13:43 | 2026-04-15 11:31 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Loan locked on xxxxxx, with an application date of xxxxxx and Initial LE dated xxxxxx. Loan can lock prior to application, finding resolved. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-xxxxxx does not require an application date to lock a loan. Please provide a regulatory cite that requires this. xxxxxx!<br> - Seller-04/14/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. -----Provide copy of LE issued within 3 days of rate lock date xxxxxx. Additional findings may apply upon receipt of LE. - Due Diligence Vendor-04/09/2026 | Ready for Review-xxxxxx does not require an application date to lock a loan. Please provide a regulatory cite that requires this. xxxxxx!<br> - Seller-04/14/2026 | Resolved-Loan locked on xxxxxx, with an application date of xxxxxx and Initial LE dated xxxxxx. Loan can lock prior to application, finding resolved. - Due Diligence Vendor-04/15/2026 | LTV is less than guideline maximum - Max LTV is 80 Borrower has 38.6 Required is 75 Borrower has 38.6<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO for ITIN is 640 Borrower has 756 Required is 640 Borrower has 756<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 25.64 Required is 50.49 Borrower has 25.64 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865062 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-09 16:19 | 2026-04-09 16:19 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/09/2026<br>| LTV is less than guideline maximum - Max LTV is 80 Borrower has 38.6 Required is 75 Borrower has 38.6<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO for ITIN is 640 Borrower has 756 Required is 640 Borrower has 756<br>Qualifying DTI below maximum allowed - Max DTI is 50.49 Borrower has 25.64 Required is 50.49 Borrower has 25.64 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 865063 | xxxxxx D A | Closed | xxxxxx | 2026-04-20 13:27 | 2026-04-22 13:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received Statement w/escrows. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Please see attached. - Seller-04/21/2026 <br> Open-Missing mortgage statement for property xxxxxx of the 1003. Unable to determine if the payment includes escrows. - Due Diligence Vendor-04/20/2026 | Ready for Review-Please see attached. - Seller-04/21/2026<br>| Resolved-Received Statement w/escrows. - Due Diligence Vendor-04/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 779 which exceeds the minimum of 660 Required is 660 Borrower has 779<br>Months Reserves exceed minimum required - Verified assets of 24months exceeds the minimum required of 3 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865066 | xxxxxx D A C | Closed | xxxxxx | 2026-04-20 12:16 | 2026-04-24 15:52 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Rec'd fee clarification. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Disagree- See attached - Seller-04/23/2026 <br> Open-Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. Disagree- See attached - Seller-04/23/2026<br>| Resolved-Rec'd fee clarification. - Due Diligence Vendor-04/24/2026<br>| Qualifying DTI below maximum allowed - DTI of 29.88% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 29.88<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 743 which exceeds the minimum of 660 Required is 660 Borrower has 743<br>LTV is less than guideline maximum - LTV of 50.74% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 50.74 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865066 | xxxxxx D A C | Closed | xxxxxx | 2026-04-22 08:23 | 2026-04-24 09:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-xxxxxx with license verification was provided verifying self-employment since xxxxxx, which was within 60 days of the Note date and met guidelines. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/23/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE for borrower to validate 2 years of self employment income. No Business License or CPA Letter was provided. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/23/2026<br>| Resolved-xxxxxx with license verification was provided verifying self-employment since xxxxxx, which was within 60 days of the Note date and met guidelines. - Due Diligence Vendor-04/24/2026 | Qualifying DTI below maximum allowed - DTI of 29.88% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 29.88<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 743 which exceeds the minimum of 660 Required is 660 Borrower has 743<br>LTV is less than guideline maximum - LTV of 50.74% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 50.74 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865066 | xxxxxx D A C | Closed | xxxxxx | 2026-04-22 08:23 | 2026-04-24 09:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-xxxxxx with license verification was provided verifying self-employment since xxxxxx. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/23/2026 <br> Open-Borrower 1 CPA Letter Missing Missing CPA letter for borrower to verify employment. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/23/2026<br>| Resolved-xxxxxx with license verification was provided verifying self-employment since xxxxxx. - Due Diligence Vendor-04/24/2026 | Qualifying DTI below maximum allowed - DTI of 29.88% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 29.88<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 743 which exceeds the minimum of 660 Required is 660 Borrower has 743<br>LTV is less than guideline maximum - LTV of 50.74% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 50.74 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865066 | xxxxxx D A C | Closed | xxxxxx | 2026-04-22 08:25 | 2026-04-24 09:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Space fee was provided. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Per the 1003, the property is a xxxxxx. there was no rental rental income used for qualification. Net Loss of $1262.50 is the space fee(see attached) and taxes-xxxxxx/mo. - Seller-04/23/2026 <br> Open-Missing documentation for REO at xxxxxx. Rental income taken from final 1003. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Per the 1003, the property is a xxxxxx. there was no rental rental income used for qualification. Net Loss of $1262.50 is the space fee(see attached) and taxes-xxxxxx/mo. - Seller-04/23/2026 | Resolved-Space fee was provided. - Due Diligence Vendor-04/24/2026<br>| Qualifying DTI below maximum allowed - DTI of 29.88% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 29.88<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 743 which exceeds the minimum of 660 Required is 660 Borrower has 743<br>LTV is less than guideline maximum - LTV of 50.74% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 50.74 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865066 | xxxxxx D A C | Closed | xxxxxx | 2026-04-22 08:44 | 2026-04-24 09:15 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Lender attestation stating condo warrantability was provided. - Due Diligence Vendor-04/24/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/23/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. Missing lender attestation stating condo warrantability. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/23/2026<br>| Resolved-Lender attestation stating condo warrantability was provided. - Due Diligence Vendor-04/24/2026<br>| Qualifying DTI below maximum allowed - DTI of 29.88% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 29.88<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 743 which exceeds the minimum of 660 Required is 660 Borrower has 743<br>LTV is less than guideline maximum - LTV of 50.74% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 50.74 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865068 | xxxxxx C A | Closed | xxxxxx | 2026-04-20 16:10 | 2026-04-22 13:46 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received UW attestation. - Due Diligence Vendor-04/22/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/21/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. Provide documentation the UW attestation indicating the condo was warrantable. The file contained the CPM approval but is not acceptable. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/21/2026<br>| Resolved-Received UW attestation. - Due Diligence Vendor-04/22/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 713 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865074 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 12:05 | 2026-04-16 11:45 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received LOE and invoice for Lender paid fee. Finding Resolved. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-04/15/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($4,000.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($4,547.50). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $547.50 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $547.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. See attached - Seller-04/15/2026<br>| Resolved-Received LOE and invoice for Lender paid fee. Finding Resolved. - Due Diligence Vendor-04/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773<br>LTV is less than guideline maximum - Required is 80 Borrower has 28.57<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865074 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 11:06 | 2026-04-14 11:06 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773<br>LTV is less than guideline maximum - Required is 80 Borrower has 28.57<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 865076 | xxxxxx C A | Closed | xxxxxx | 2026-04-21 19:36 | 2026-04-23 09:46 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history was provided. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. Please see attached credit supplement that was uploaded to you system for subject investment property showing 12 months review history with xxxxxx. Please clear this finding. - Seller-04/22/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing proof of the most recent 12 months of mortgage payment history for the subject property. Title Report reflects the lien being paid off was opened xxxxxx. Upon receipt, additional information may be required. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. Please see attached credit supplement that was uploaded to you system for subject investment property showing 12 months review history with xxxxxx. Please clear this finding. - Seller-04/22/2026 | Resolved-Housing history was provided. - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 783<br>LTV is less than guideline maximum - Required is 80 Borrower has 54.09 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865078 | xxxxxx D A C | Closed | xxxxxx | 2026-04-23 10:26 | 2026-05-05 13:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report/UDM - Due Diligence Vendor-05/05/2026 <br>Ready for Review-Document Uploaded. Please see attached updated DataVerify to reflect B2 - Seller-05/01/2026 <br>Open-Borrower 2 Gap Credit Report is Missing Missing gap credit supplement for co-borrower also per xxxxxx UDM section, Monitoring not started for B2. - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. Please see attached updated DataVerify to reflect B2 - Seller-05/01/2026<br>| Resolved-Received Borrower 2 Gap Credit Report/UDM - Due Diligence Vendor-05/05/2026<br>| Qualifying DTI below maximum allowed - DTI of 10.65% is below the maximum allowed per guidelines of 50% Required is 50.49 Borrower has 10.65<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 729 which exceeds the minimum of 600 Required is 600 Borrower has 729<br>LTV is less than guideline maximum - LTV of 33.87% is below the maximum of 80% allowed per guidelines Required is 65 Borrower has 33.87 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865078 | xxxxxx D A C | Closed | xxxxxx | 2026-04-22 17:04 | 2026-04-27 08:48 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. Fee moved to the correct block - Seller-04/24/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $150.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $150.00 (Title Deed Prep Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $150.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Fee moved to the correct block - Seller-04/24/2026<br>| Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/27/2026 | Qualifying DTI below maximum allowed - DTI of 10.65% is below the maximum allowed per guidelines of 50% Required is 50.49 Borrower has 10.65<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 729 which exceeds the minimum of 600 Required is 600 Borrower has 729<br>LTV is less than guideline maximum - LTV of 33.87% is below the maximum of 80% allowed per guidelines Required is 65 Borrower has 33.87 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865079 | xxxxxx D A C | Closed | xxxxxx | 2026-04-22 12:48 | 2026-05-04 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-December bank statement was provided. - Due Diligence Vendor-05/04/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/30/2026 <br>Open-Provide missing business bank statement for Dec 2025, used in income qualifying. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/30/2026<br>| Resolved-December bank statement was provided. - Due Diligence Vendor-05/04/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 68.34<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.25 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865079 | xxxxxx D A C | Closed | xxxxxx | 2026-04-21 10:26 | 2026-05-01 13:24 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-04/30/2026 <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. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. See attached - Seller-04/30/2026<br>| Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/01/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 68.34<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.25 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865079 | xxxxxx D A C | Closed | xxxxxx | 2026-04-21 10:26 | 2026-05-01 13:24 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received LOE for decrease in fees. Finding Resolved. - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-04/30/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($23,579.10) does not exceed or equal the comparable sum of specific and non-specific lender credits ($23,874.30). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $23,874.3 to $23,579.1 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $295.2, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. See attached - Seller-04/30/2026<br>| Resolved-Received LOE for decrease in fees. Finding Resolved. - Due Diligence Vendor-05/01/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 68.34<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.25 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865081 | xxxxxx C A | Closed | xxxxxx | 2026-04-16 10:56 | 2026-06-08 17:36 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 17.48%. Required is 50 Borrower has 17.48<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 723. Required is 680 Borrower has 723 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865081 | xxxxxx C A | Closed | xxxxxx | 2026-04-17 12:58 | 2026-04-22 12:06 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR from xxxxxx indicating in good standing and timely payments for the last 12mo. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. Please clear this finding. - Seller-04/20/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide 12 Months rental History with 0x30. Additional Conditions may be applied. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. Please clear this finding. - Seller-04/20/2026<br>| Resolved-Received VOR from xxxxxx indicating in good standing and timely payments for the last 12mo. - Due Diligence Vendor-04/22/2026 | Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 17.48%. Required is 50 Borrower has 17.48<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 723. Required is 680 Borrower has 723 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865086 | xxxxxx D A | Closed | xxxxxx | 2026-04-21 13:20 | 2026-05-20 10:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Revised xxxxxx letter both b1 bz operate at 20% factor QIb1 from $6,676.46 to $10,682.34 and b2 from 10,027.60 to $16,044.17, reducing DTI from 69.83 to 43.65% - Due Diligence Vendor-05/20/2026 <br> Ready for Review-Document Uploaded. Please see attached CPA shows expense factor at 20%. Please expedite this to be cleared as soon as possible - Seller-05/16/2026 <br> Open-Audited DTI of 69.83% exceeds Guideline DTI of 50% Per 1008 and lender's bank statement calculation worksheets in file, the borrower's 24 months of bank statements for each business were averaged over 12 months by the lender - instead of 24 months. Using the 24-month average, the borrower's qualifying income totaled $16,704.06 ($10,027.60 + $6,676.46), which resulted in an audited DTI of 69.83%. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. Please see attached CPA shows expense factor at 20%. Please expedite this to be cleared as soon as possible - Seller-05/16/2026<br>| Resolved-Revised xxxxxx letter both b1 bz operate at 20% factor QIb1 from $6,676.46 to $10,682.34 and b2 from 10,027.60 to $16,044.17, reducing DTI from 69.83 to 43.65% - Due Diligence Vendor-05/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 794<br>LTV is less than guideline maximum - Required is 80 Borrower has 61.9 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865086 | xxxxxx D A | Closed | xxxxxx | 2026-04-20 12:54 | 2026-05-20 10:35 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Revised xxxxxx letter both b1 bz operate at 20% factor QIb1 from $6,676.46 to $10,682.34 and b2 from 10,027.60 to $16,044.17, reducing DTI from 69.83 to 43.65% - Due Diligence Vendor-05/20/2026 <br> Ready for Review-Document Uploaded. Please see attached CPA shows expense factor at 20%. Please expedite this to be cleared as soon as possible - Seller-05/16/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Audit DTI (69.83%) exceeds guideline max (50%) - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. Please see attached CPA shows expense factor at 20%. Please expedite this to be cleared as soon as possible - Seller-05/16/2026<br>| Resolved-Revised xxxxxx letter both b1 bz operate at 20% factor QIb1 from $6,676.46 to $10,682.34 and b2 from 10,027.60 to $16,044.17, reducing DTI from 69.83 to 43.65% - Due Diligence Vendor-05/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 794<br>LTV is less than guideline maximum - Required is 80 Borrower has 61.9 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865086 | xxxxxx D A | Closed | xxxxxx | 2026-04-20 12:18 | 2026-05-20 10:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. Lender notes the two business reflect as active and in good standing and each have been filed for over 5 years each, xxxxxx active since xxxxxx & xxxxxx active since xxxxxx<br> - Seller-04/22/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing (1) Missing a 3rd party verification verifying both of the borrower's businesses on the loan application are "active and in good standing" with the state of xxxxxx.<br> (2) The State of xxxxxx Statement of Information Corporation form reflects the borrower's second business on the final loan application was incorporated xxxxxx. Lender to provide additional documentation to show the business has been active for a minimum 24 months, spanning the business bank statement period.<br> Additional conditions may apply, pending review. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. Lender notes the two business reflect as active and in good standing and each have been filed for over 5 years each, xxxxxx active since xxxxxx & xxxxxx xxxxxx active since xxxxxx<br> - Seller-04/22/2026 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 794<br>LTV is less than guideline maximum - Required is 80 Borrower has 61.9 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865086 | xxxxxx D A | Closed | xxxxxx | 2026-04-20 12:18 | 2026-05-20 10:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. please see attached - Seller-04/22/2026 <br> Open-Borrower 1 CPA Letter Missing Missing the CPA/ xxxxxx Letter (or business entity documentation) verifying the borrower's ownership percentages stated on the business narratives for both businesses. Additional conditions may apply, pending review. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. please see attached - Seller-04/22/2026<br>| Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 794<br>LTV is less than guideline maximum - Required is 80 Borrower has 61.9 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865088 | xxxxxx C A | Closed | xxxxxx | 2026-04-24 16:22 | 2026-04-29 08:23 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. There was a lock extension. See attached CD and COC - Seller-04/28/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($14,787.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($16,047.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender credit decreased from $16,047.00 to $14,787.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $1,260.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/24/2026 | Ready for Review-Document Uploaded. There was a lock extension. See attached CD and COC - Seller-04/28/2026<br>| Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/29/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.29<br>LTV is less than guideline maximum - Required is 80 Borrower has 47.62<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865089 | xxxxxx D A | Closed | xxxxxx | 2026-04-20 12:55 | 2026-05-13 10:01 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd COC and pricing sheet with evidence of why lender credit decreased. - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. The lender credit went from $6652 to a discount of 1.12% = $7078 - Attached is the LE and COC form as well as the lock - they did not include the pricing change on the COC form - Seller-05/12/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($6,652.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $6,652 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $6,652, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. The lender credit went from $6652 to a discount of 1.12% = $7078 - Attached is the LE and COC form as well as the lock - they did not include the pricing change on the COC form - Seller-05/12/2026<br>| Resolved-Rec'd COC and pricing sheet with evidence of why lender credit decreased. - Due Diligence Vendor-05/13/2026<br>| LTV is less than guideline maximum - . Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.51<br>Qualifying FICO score is at least 20 points above minimum for program - . Required is 680 Borrower has 807 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865089 | xxxxxx D A | Closed | xxxxxx | 2026-04-21 15:59 | 2026-05-01 14:39 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received final title- purchase transaction. all liens from seller no longer reflected. - Due Diligence Vendor-05/01/2026 <br>Ready for Review-Document Uploaded. Please see attached Final Title Report. No issues found. Please clear this finding. - Seller-04/29/2026 <br>Open-Property Title Issue Verify tax liens (#12-#14, #17) and labor lien (#16) on title are cleared. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. Please see attached Final Title Report. No issues found. Please clear this finding. - Seller-04/29/2026<br>| Resolved-Received final title- purchase transaction. all liens from seller no longer reflected. - Due Diligence Vendor-05/01/2026<br>| LTV is less than guideline maximum - . Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.51<br>Qualifying FICO score is at least 20 points above minimum for program - . Required is 680 Borrower has 807 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865089 | xxxxxx D A | Closed | xxxxxx | 2026-05-01 09:38 | 2026-05-01 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received revised 1003 - Due Diligence Vendor-05/01/2026 <br>Open-The Final 1003 is Incomplete Borrower states they rent their primary residence for $700 per month. A rent-free letter was provided. Please provide an updated final loan application to reflect the borrower lives rent-free at their current residence. - Due Diligence Vendor-05/01/2026 |  | Resolved-Received revised 1003 - Due Diligence Vendor-05/01/2026<br>| LTV is less than guideline maximum - . Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.51<br>Qualifying FICO score is at least 20 points above minimum for program - . Required is 680 Borrower has 807 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865089 | xxxxxx D A | Closed | xxxxxx | 2026-04-22 13:27 | 2026-05-01 09:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Please see credit finding. - Due Diligence Vendor-05/01/2026 <br>Ready for Review-Document Uploaded. Please see attached PC 1003 showing borrower lives rent free. please clear this finding. - Seller-04/30/2026 <br>Open-The Final 1003 is Incomplete Borrower states they rent their primary residence for $700 per month. A rent-free letter was provided. Please provide an updated final loan application to reflect the borrower lives rent-free at their current residence. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached PC 1003 showing borrower lives rent free. please clear this finding. - Seller-04/30/2026<br>| Resolved-Please see credit finding. - Due Diligence Vendor-05/01/2026<br>| LTV is less than guideline maximum - . Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.51<br>Qualifying FICO score is at least 20 points above minimum for program - . Required is 680 Borrower has 807 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865096 | xxxxxx C A | Closed | xxxxxx | 2026-04-17 15:38 | 2026-04-22 08:33 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. There was a loan amount change to xxxxxx. CD and COC attached as well as the lock since they did not reference the pricing on the COC. There was a cure for $327 - Seller-04/21/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($6,476.77) does not exceed or equal the comparable sum of specific and non-specific lender credits ($9,786.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $9,786.00 to $6476.77. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $3,309.23, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. There was a loan amount change to xxxxxx. CD and COC attached as well as the lock since they did not reference the pricing on the COC. There was a cure for $327 - Seller-04/21/2026 | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/22/2026<br>| LTV is less than guideline maximum - LTV Required is 80% Borrower has 29.28%. Required is 80 Borrower has 29.28<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 23.4%. Required is 50 Borrower has 23.4<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 711. Required is 660 Borrower has 711 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865097 | xxxxxx C B A | Closed | xxxxxx | 2026-04-30 17:43 | 2026-04-30 19:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Short reserves less than 0.05 months - non-material. - Due Diligence Vendor-04/30/2026 <br>Open-Audited Reserves of 5.96 month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves are less than Guideline Required Reserves (Number of Months) - Due Diligence Vendor-04/30/2026 |  | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Short reserves less than 0.05 months - non-material. - Due Diligence Vendor-04/30/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $18,315.97 in residual income which is =/> 1.5 times $3,500 monthly residual income<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.08 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 865101 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 12:21 | 2026-06-08 17:36 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/15/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 38.08<br>LTV is less than guideline maximum - Required is 65 Borrower has 55.68 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865101 | xxxxxx C A | Closed | xxxxxx | 2026-04-17 09:22 | 2026-05-05 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM 0x30, reflecting 0 late payments next due 4/2026. - Due Diligence Vendor-05/05/2026 <br>Ready for Review-Document Uploaded. Please see attached form used for loan approval - Seller-05/04/2026 <br>Counter-VOM provided, however the lender did not answer Number of times account has been 30 days overdue in the last 12 months. Finding remains. - Due Diligence Vendor-04/21/2026 <br>Ready for Review-Document Uploaded. please see attached VOM shows no lates - Seller-04/20/2026 <br>Open-Housing History Does Not Meet Guideline Requirements The loan file is missing a satisfactory 12-month housing history for the loan being paid off. The final CD and payoff in file, reflect a private lender being paid off; however, there is no housing history in the loan file. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. Please see attached form used for loan approval - Seller-05/04/2026 <br>Ready for Review-Document Uploaded. please see attached VOM shows no lates - Seller-04/20/2026<br>| Resolved-Received VOM 0x30, reflecting 0 late payments next due 4/2026. - Due Diligence Vendor-05/05/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 38.08<br>LTV is less than guideline maximum - Required is 65 Borrower has 55.68 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865101 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 12:21 | 2026-04-21 07:41 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC and lock agreement for increase in fees. Finding Resolved. - Due Diligence Vendor-04/21/2026 <br> Ready for 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 $15,550.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. Cure CD attached<br> Loan was locked a BPC. Reason not included on the COC. Lock attached showing BPC. - Seller-04/20/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $16,457.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $16457 (Broker Fee and Transfer Taxes) without a valid COC in file. Final CD provided a $1800 credit for increases in closing costs above the legal limit. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $14657, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Cure CD attached<br> Loan was locked a BPC. Reason not included on the COC. Lock attached showing BPC. - Seller-04/20/2026<br>| Resolved-Received COC and lock agreement for increase in fees. Finding Resolved. - Due Diligence Vendor-04/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 38.08<br>LTV is less than guideline maximum - Required is 65 Borrower has 55.68 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865103 | xxxxxx D A | Closed | xxxxxx | 2026-04-21 09:18 | 2026-04-23 15:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Condo Master Insurance Policy was provided with walls in coverage. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. Please see attached betterments and improvements coverage is included - Seller-04/22/2026 <br> Open-Missing Condo Master Insurance Policy Provide missing Master Condo Insurance/Liability Policy, verifying xxxxxx In Coverage included. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. Please see attached betterments and improvements coverage is included - Seller-04/22/2026<br>| Resolved-Condo Master Insurance Policy was provided with walls in coverage. - Due Diligence Vendor-04/23/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 69.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 820 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865105 | xxxxxx C A | Closed | xxxxxx | 2026-04-21 13:06 | 2026-04-23 12:19 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Housing history was provided. - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/22/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. ATR/QM Status Pending: Finding added for missing primary rental VOR. Compliance conditions as well - Due Diligence Vendor-04/21/2026 | Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/22/2026<br>| Resolved-Housing history was provided. - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.18 Required is 50 Borrower has 17.18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773 Required is 660 Borrower has 773 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865105 | xxxxxx C A | Closed | xxxxxx | 2026-04-21 12:46 | 2026-04-23 12:16 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history was provided. - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/22/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide missing VOR verifying primary rental history. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/22/2026<br>| Resolved-Housing history was provided. - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.18 Required is 50 Borrower has 17.18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773 Required is 660 Borrower has 773 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865105 | xxxxxx C A | Closed | xxxxxx | 2026-04-17 14:21 | 2026-04-22 14:55 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. Uploaded - Seller-04/22/2026 <br> Open------Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. Uploaded - Seller-04/22/2026<br>| Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-04/22/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.18 Required is 50 Borrower has 17.18<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773 Required is 660 Borrower has 773 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865107 | xxxxxx C A | Closed | xxxxxx | 2026-04-29 14:06 | 2026-05-01 16:32 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Housing history and Arm-Length findings have been resolved. - Due Diligence Vendor-05/01/2026 <br>Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/30/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. ATR/QM is pending due to the guidelines require a housing history and allows a history of 1x30x12. The loan application reflects the borrower rents for 2 years and 2 months with monthly rent of $5,000. However, the loan file is missing a satisfactory housing history for the borrower. - Due Diligence Vendor-04/29/2026 | Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/30/2026<br>| Resolved-Housing history and Arm-Length findings have been resolved. - Due Diligence Vendor-05/01/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 38.44<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 757<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865107 | xxxxxx C A | Closed | xxxxxx | 2026-04-29 15:58 | 2026-05-01 16:31 | Resolved | 1 - Information C A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-Upon further review, loan file contains sufficient documentation to support the subject was free and clear. - Due Diligence Vendor-05/01/2026 <br>Ready for Review-Document Uploaded. We respectfully disagree. According to the attached Final CD, the seller, the borrower's landlord, owned the property F/C; therefore, proof of non-default on any existing mortgage(s) is not required. - Seller-04/30/2026 <br>Open-Non-Arm's Length Transactions Not Allowed for Program The borrower currently rents the subject property. Proof of non-default on any existing mortgage(s) is required: Can be provided by one of the following: VOM, most recent mortgage statement, payoff demand not exceeding 1 months interest. Title indicates no open deed of trust were found but required proof that the subject was free from any encumbrances. None of the acceptable documents listed were found in file. Additional findings may apply. - Due Diligence Vendor-04/29/2026 | Ready for Review-Document Uploaded. We respectfully disagree. According to the attached Final CD, the seller, the borrower's landlord, owned the property F/C; therefore, proof of non-default on any existing mortgage(s) is not required. - Seller-04/30/2026<br>| Resolved-Upon further review, loan file contains sufficient documentation to support the subject was free and clear. - Due Diligence Vendor-05/01/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 38.44<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 757<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865107 | xxxxxx C A | Closed | xxxxxx | 2026-04-29 13:25 | 2026-05-01 16:29 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR - Due Diligence Vendor-05/01/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/30/2026 <br>Open-Housing History Does Not Meet Guideline Requirements The guidelines require a housing history and allows a history of 1x30x12. The loan application reflects the borrower rents for 2 years and 2 months with monthly rent of $5,000. However, the loan file is missing a satisfactory housing history for the borrower. - Due Diligence Vendor-04/29/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/30/2026<br>| Resolved-Received VOR - Due Diligence Vendor-05/01/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 38.44<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 757<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865108 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-15 13:24 | 2026-04-21 13:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver LTV of 85% exceeds Guideline LTV of 80%, applied to non material finding with comp factors. - Due Diligence Vendor-04/21/2026 <br>Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close at an 85% LTV. - Seller-04/17/2026 <br>Open-Audited LTV of 85% exceeds Guideline LTV of 80% 10.8 Declining Markets - The maximum CLTV is limited to 80% for purchases and 75% for refinances. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close at an 85% LTV. - Seller-04/17/2026<br>| Waived-Originator provided a waiver LTV of 85% exceeds Guideline LTV of 80%, applied to non material finding with comp factors. - Due Diligence Vendor-04/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776<br>Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 | DTI if 5% Less than Max allowed<br> FICO score is 20 points above minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 865108 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-15 15:03 | 2026-04-20 13:15 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached xxxxxx Statement for prop xxxxxx. Monthly mortgage payment includes taxes and insurance. This document was uploaded to your system. Please clear this finding. - Seller-04/16/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing PITI on SOR xxxxxx - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Document Uploaded. Please see attached xxxxxx Statement for prop xxxxxx. Monthly mortgage payment includes taxes and insurance. This document was uploaded to your system. Please clear this finding. - Seller-04/16/2026 | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-04/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776<br>Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865108 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-15 13:30 | 2026-04-20 13:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received xpl mortgage xxxxxx, payment includes taxes and insurance upon further review cleared finding. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Document Uploaded. Document Uploaded. Please see attached xxxxxx Statement for prop xxxxxx. Monthly mortgage payment includes taxes and insurance. This document was uploaded to your system. Please clear this finding. - Seller-04/16/2026 <br> Open-Missing - verification of full PITIA on xxxxxx - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Document Uploaded. Document Uploaded. Please see attached xxxxxx Statement for prop xxxxxx. Monthly mortgage payment includes taxes and insurance. This document was uploaded to your system. Please clear this finding. - Seller-04/16/2026 | Resolved-Received xpl mortgage xxxxxx, payment includes taxes and insurance upon further review cleared finding. - Due Diligence Vendor-04/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776<br>Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865108 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-15 12:56 | 2026-04-20 13:06 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received front page of Drive/Fraud report with UDM reflecting rescored xxxxxx - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see attached snippet of Final DV condition report shows xxxxxx. Please clear this finding. - Seller-04/16/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Please see attached snippet of Final DV condition report shows xxxxxx. Please clear this finding. - Seller-04/16/2026 | Resolved-Received front page of Drive/Fraud report with UDM reflecting rescored xxxxxx - Due Diligence Vendor-04/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776<br>Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865108 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-15 12:56 | 2026-04-20 13:06 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received front page of Drive/Fraud report with UDM reflecting rescored xxxxxx - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached snippet of Final DV condition report shows xxxxxx. Please clear this finding. - Seller-04/16/2026 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Document Uploaded. Please see attached snippet of Final DV condition report shows xxxxxx. Please clear this finding. - Seller-04/16/2026 | Resolved-Received front page of Drive/Fraud report with UDM reflecting rescored xxxxxx - Due Diligence Vendor-04/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776<br>Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865108 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-15 15:05 | 2026-04-20 13:06 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR 0x30. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see attached VOR for prim residence at xxxxxx. which was uploaded to your system. Please clear this finding. - Seller-04/16/2026 <br> Ready for Review-please disregard comments. this is for the other finding regarding missing piti. - Seller-04/16/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Statement for prop xxxxxx. Monthly mortgage payment includes taxes and insurance. This document was uploaded to your system. Please clear this finding. - Seller-04/16/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOR for primary residence. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Please see attached VOR for prim residence at xxxxxx. which was uploaded to your system. Please clear this finding. - Seller-04/16/2026 <br> Ready for Review-please disregard comments. this is for the other finding regarding missing piti. - Seller-04/16/2026 <br> Ready for Review-Document Uploaded. Please see attached xxxxxx Statement for prop xxxxxx. Monthly mortgage payment includes taxes and insurance. This document was uploaded to your system. Please clear this finding. - Seller-04/16/2026 | Resolved-Received VOR 0x30. - Due Diligence Vendor-04/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776<br>Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865108 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-14 12:25 | 2026-04-20 11:45 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. INITIAL CD ISSUED xxxxxx - Seller-04/16/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD receipt date of xxxxxx is less than three business days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. INITIAL CD ISSUED xxxxxx - Seller-04/16/2026 | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776<br>Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865108 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-14 12:25 | 2026-04-20 11:45 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC. Finding Resolved. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. COMP UPDATED TO BP- CD AND COC ATTACHED - Seller-04/16/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,310.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by$4,310.00 Mortgage Broker Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $4,310.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. [COC for increase is in file, however timing requirements were not met for Initial CD dated xxxxxx.] - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. COMP UPDATED TO BP- CD AND COC ATTACHED - Seller-04/16/2026<br>| Resolved-Received COC. Finding Resolved. - Due Diligence Vendor-04/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776<br>Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865108 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-14 14:55 | 2026-04-20 11:45 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. LOCKED CD ATTACHED - Seller-04/16/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx and xxxxxx. -----Please provide a disclosure within 3 days of the Rate Lock dated xxxxxx. Statute of Limitation is xxxxxx. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. LOCKED CD ATTACHED - Seller-04/16/2026<br>| Resolved-Received CD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776<br>Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865108 | xxxxxx D B C A | Closed | xxxxxx | 2026-04-14 11:58 | 2026-04-14 11:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - .Required is 680 Borrower has 776 Required is 680 Borrower has 776<br>Qualifying DTI below maximum allowed - .Required is 50 Borrower has 29.42 Required is 50 Borrower has 29.42 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 865113 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 17:48 | 2026-04-23 15:35 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received new gift letter for $20,000 from sister in law. All gifts are now documented - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. Please see attached gift letter from xxxxxx. Please clear this finding, - Seller-04/21/2026 <br> Counter-Received 3 gift letters and 4 checks. $25k letter/gift xxxxxx & $20k letter/gift xxxxxx were verified. $20k with source xxxxxx requiring additional clarification/documentation as checks do not correspond to what is reflected in gift letter regarding identity of Donor and source of funds. Checks provided are $10k from xxxxxx and $10k check from xxxxxx, on both the remitter is xxxxxx. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. The finding is respectfully disagreed with.<br>Three executed gift letters are included in the file documenting gift funds in the amounts of $20,000, $20,000, and $25,000, for a total of $65,000. Each gift letter specifies that the funds are to be provided directly to the title company at closing.<br>Additionally, four checks evidencing delivery of the full $65,000 to xxxxxx have been provided and are included in the file.<br>Accordingly, the receipt and documentation of gift funds have been verified, and the condition is considered satisfied. Please clear this finding. - Seller-04/16/2026 <br> Open-Verify receipt of gift funds. Two $20,000 gifts and One $25,000.00 gift. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. Please see attached gift letter from xxxxxx. Please clear this finding, - Seller-04/21/2026 <br> Ready for Review-Document Uploaded. The finding is respectfully disagreed with.<br>Three executed gift letters are included in the file documenting gift funds in the amounts of $20,000, $20,000, and $25,000, for a total of $65,000. Each gift letter specifies that the funds are to be provided directly to the title company at closing.<br>Additionally, four checks evidencing delivery of the full $65,000 to xxxxxx have been provided and are included in the file.<br>Accordingly, the receipt and documentation of gift funds have been verified, and the condition is considered satisfied. Please clear this finding. - Seller-04/16/2026 | Resolved-Received new gift letter for $20,000 from sister in law. All gifts are now documented - Due Diligence Vendor-04/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - .Required is 660 Borrower has 760 Required is 660 Borrower has 760<br>Qualifying DTI below maximum allowed - .Required is 50 Borrower has 43.06 Required is 50 Borrower has 43.06 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865113 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 16:42 | 2026-04-22 15:01 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. Please see the attached property report evidencing the chain of title.<br> The report reflects the current transfer dated xxxxxx and the prior transfer dated xxxxxx, providing a continuous chain of title exceeding 24 months.<br> Accordingly, the 24-month chain of title requirement has been satisfied.<br> - Seller-04/21/2026 <br> Counter-Received title commitment already present in file, which reflects chain of title 7 mo for seller having taken title xxxxxx. please provide remainder to complete 24 months. <br> - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. The finding is respectfully disagreed with.<br>The preliminary title commitment issued by xxxxxx (Commitment Date: xxxxxx) reflects a complete and continuous vesting chain of title for the subject property. Page 5 of 9 of the title commitment (Schedule A) confirms current vesting in xxxxxx xxxxxx, who acquired title by warranty deed dated xxxxxx, as disclosed under the "Vested in" and "Vesting Deed" sections of the commitment.<br>The subject transaction is a standard purchase from the vested owner of record, and the title commitment provides the basis for insurable title and evidences a continuous chain of ownership with no breaks identified within the reported vesting history.<br>Accordingly, a satisfactory chain of title is evidenced in the title commitment, and no additional documentation is required. Please clear this finding. - Seller-04/16/2026 <br> Open-Unsatisfactory Chain of Title provided. Satisfactory Chain of Title not Provided - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. Please see the attached property report evidencing the chain of title.<br> The report reflects the current transfer dated xxxxxx and the prior transfer dated xxxxxx, providing a continuous chain of title exceeding 24 months.<br> Accordingly, the 24-month chain of title requirement has been satisfied.<br> - Seller-04/21/2026 <br> Ready for Review-Document Uploaded. The finding is respectfully disagreed with.<br>The preliminary title commitment issued by xxxxxx (Commitment Date: xxxxxx) reflects a complete and continuous vesting chain of title for the subject property. Page 5 of 9 of the title commitment (Schedule A) confirms current vesting in xxxxxx xxxxxx, who acquired title by warranty deed dated xxxxxx, as disclosed under the "Vested in" and "Vesting Deed" sections of the commitment.<br>The subject transaction is a standard purchase from the vested owner of record, and the title commitment provides the basis for insurable title and evidences a continuous chain of ownership with no breaks identified within the reported vesting history.<br>Accordingly, a satisfactory chain of title is evidenced in the title commitment, and no additional documentation is required. Please clear this finding. - Seller-04/16/2026 | Resolved-Received Satisfactory Chain of Title - Due Diligence Vendor-04/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - .Required is 660 Borrower has 760 Required is 660 Borrower has 760<br>Qualifying DTI below maximum allowed - .Required is 50 Borrower has 43.06 Required is 50 Borrower has 43.06 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865113 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 17:21 | 2026-04-17 13:56 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. The finding is respectfully disagreed with.<br>The final gap/credit report (DV Report) reflects the last condition/score update dated 04/09/2026. The loan closing date is xxxxxx, resulting in a 4-day gap between the final credit update and closing, which is within the allowable 10-day requirement.<br>Accordingly, the gap credit report is valid at the time of closing, and the condition is considered satisfied. Please clear this finding. - Seller-04/16/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. The finding is respectfully disagreed with.<br>The final gap/credit report (DV Report) reflects the last condition/score update dated 04/09/2026. The loan closing date is xxxxxx, resulting in a 4-day gap between the final credit update and closing, which is within the allowable 10-day requirement.<br>Accordingly, the gap credit report is valid at the time of closing, and the condition is considered satisfied. Please clear this finding. - Seller-04/16/2026 | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - .Required is 660 Borrower has 760 Required is 660 Borrower has 760<br>Qualifying DTI below maximum allowed - .Required is 50 Borrower has 43.06 Required is 50 Borrower has 43.06 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865113 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 11:58 | 2026-04-17 09:45 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. LOCKED LE PROVIDED AND A COPY OF THE LOCK SINCE THEY DID NOT INCLUDE THE PRICING CHANGE ON THE COC - Seller-04/16/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,026.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $1,026 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $0, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. LOCKED LE PROVIDED AND A COPY OF THE LOCK SINCE THEY DID NOT INCLUDE THE PRICING CHANGE ON THE COC - Seller-04/16/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - .Required is 660 Borrower has 760 Required is 660 Borrower has 760<br>Qualifying DTI below maximum allowed - .Required is 50 Borrower has 43.06 Required is 50 Borrower has 43.06 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865113 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 11:06 | 2026-04-14 11:06 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - .Required is 660 Borrower has 760 Required is 660 Borrower has 760<br>Qualifying DTI below maximum allowed - .Required is 50 Borrower has 43.06 Required is 50 Borrower has 43.06 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 865114 | xxxxxx D A C | Closed | xxxxxx | 2026-04-22 08:17 | 2026-05-05 13:24 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received REO documentation, all clear - Due Diligence Vendor-05/05/2026 <br>Counter-Pending receipt of REO documentation. - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. Please see attached An enhanced desk review product from CDA from xxxxxx. Please expedite this to be cleared as soon as possible - Seller-04/27/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Upon receipt of the conditions ATR/QM maybe able to be reviewed and determined. Additional conditions maybe required. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached An enhanced desk review product from CDA from xxxxxx. Please expedite this to be cleared as soon as possible - Seller-04/27/2026<br>| Resolved-Received REO documentation, all clear - Due Diligence Vendor-05/05/2026<br>| LTV is less than guideline maximum - Max LTV is 80 Borrower has 69.95 Required is 85 Borrower has 69.95<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.51 Required is 50 Borrower has 42.51<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 802 Required is 660 Borrower has 802 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865114 | xxxxxx D A C | Closed | xxxxxx | 2026-04-22 08:24 | 2026-05-05 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Upon further review, documents provided are sufficient - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Counter is not valid - Please clear - Seller-05/01/2026 <br> Counter-Received documentation for HOA for xxxxxx $600/mo and xxxxxx $602.27 and revised figure on net rental income/loss to xxxxxx from $2918.42 to $2918.92. - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. Please see attached supporting docs show xxxxxx $600 HOA xxxxxx and $602.27 HOA xxxxxx - Seller-04/24/2026 <br> Open-Missing proof of the HOA for properties xxxxxx and xxxxxx. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/22/2026 | Ready for Review-Counter is not valid - Please clear - Seller-05/01/2026 <br> Ready for Review-Document Uploaded. Please see attached supporting docs show CONDO $600 HOA xxxxxx and $602.27 HOA xxxxxx - Seller-04/24/2026 | Resolved-Upon further review, documents provided are sufficient - Due Diligence Vendor-05/05/2026<br>| LTV is less than guideline maximum - Max LTV is 80 Borrower has 69.95 Required is 85 Borrower has 69.95<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.51 Required is 50 Borrower has 42.51<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 802 Required is 660 Borrower has 802 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865114 | xxxxxx D A C | Closed | xxxxxx | 2026-04-22 08:10 | 2026-04-28 14:56 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Credit Supplement. - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Please see attached Credit supplement reflects NEXT DUE PAYMENT 04-01-2026 - Seller-04/27/2026 <br> Ready for Review-Document Uploaded. Please see attached An enhanced desk review product from CDA from xxxxxx. Please expedite this to be cleared as soon as possible - Seller-04/27/2026 <br> Counter-Credit supplement for the subject was not located in the loan file provided. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Lender notes a credit supplement was provided reflecting the rating and 4.1 as next payment due. - Seller-04/23/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing the mortgage payment history for the most recent 12 months for the subject property, xxxxxx. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/22/2026 | Ready for Review-Please see attached Credit supplement reflects NEXT DUE PAYMENT 04-01-2026 - Seller-04/27/2026 <br> Ready for Review-Document Uploaded. Please see attached An enhanced desk review product from CDA from xxxxxx. Please expedite this to be cleared as soon as possible - Seller-04/27/2026 <br> Ready for Review-Lender notes a credit supplement was provided reflecting the rating and 4.1 as next payment due. - Seller-04/23/2026 | Resolved-Received Credit Supplement. - Due Diligence Vendor-04/28/2026<br>| LTV is less than guideline maximum - Max LTV is 80 Borrower has 69.95 Required is 85 Borrower has 69.95<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.51 Required is 50 Borrower has 42.51<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 802 Required is 660 Borrower has 802 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865114 | xxxxxx D A C | Closed | xxxxxx | 2026-04-22 07:40 | 2026-04-28 14:51 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. Please see attached An enhanced desk review product from CDA from xxxxxx. Please expedite this to be cleared as soon as possible - Seller-04/27/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing an additional valuation report since the xxxxxx UCDP SSR and xxxxxx UCDP SSR score exceeds 2.5 or indeterminate/no score, the file must include either an AVM, enhanced desk review, field review, or second appraisal (in this order). Upon receipt additional conditions may apply. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached An enhanced desk review product from CDA from xxxxxx. Please expedite this to be cleared as soon as possible - Seller-04/27/2026<br>| Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-04/28/2026<br>| LTV is less than guideline maximum - Max LTV is 80 Borrower has 69.95 Required is 85 Borrower has 69.95<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 42.51 Required is 50 Borrower has 42.51<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 802 Required is 660 Borrower has 802 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865117 | xxxxxx C A | Closed | xxxxxx | 2026-04-24 16:43 | 2026-05-04 11:29 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received LOE that fee increase was not included on COC but did take place at lock. Finding Resolved. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-05/01/2026 <br> Counter-The initial LE is dated xxxxxx and does not reflect a broker fee on it. With no COC for the initial adding of the broker fee specific amount on xxxxxx. The fee is being calculated on what was on the final CD. Finding Remains. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-04/29/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $6,750.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $6,750.00 (Mortgage Broker Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $6,750.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Years; Expiration Date: xxxxxx - Due Diligence Vendor-04/24/2026 | Ready for Review-Document Uploaded. See attached - Seller-05/01/2026 <br>Ready for Review-Document Uploaded. See attached - Seller-04/29/2026<br>| Resolved-Received LOE that fee increase was not included on COC but did take place at lock. Finding Resolved. - Due Diligence Vendor-05/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.79<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865117 | xxxxxx C A | Closed | xxxxxx | 2026-04-27 14:11 | 2026-04-30 16:48 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received VOR. - Due Diligence Vendor-04/30/2026 <br>Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. Please clear this finding. - Seller-04/29/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending housing history conditions. - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system. Please clear this finding. - Seller-04/29/2026<br>| Resolved-Received VOR. - Due Diligence Vendor-04/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.79<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865117 | xxxxxx C A | Closed | xxxxxx | 2026-04-27 11:29 | 2026-04-30 16:47 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR - Due Diligence Vendor-04/30/2026 <br>Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system, Please clear this finding. - Seller-04/29/2026 <br>Open-Housing History Does Not Meet Guideline Requirements The loan application reflects the borrower is currently renting their current residence and has monthly rent at $960. However, the loan file is missing a housing history that is required to determine no delinquencies within the last 12 months. - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. Please see attached VOR that was uploaded to your system, Please clear this finding. - Seller-04/29/2026<br>| Resolved-Received VOR - Due Diligence Vendor-04/30/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 731<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.79<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865118 | xxxxxx C A | Closed | xxxxxx | 2026-05-01 10:20 | 2026-05-08 08:34 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received explanation for increase in fees. Finding Resolved. - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. - Seller-05/07/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $175.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by $175(Document Redraw Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $175.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-05/01/2026 | Ready for Review-Document Uploaded. - Seller-05/07/2026<br>| Resolved-Received explanation for increase in fees. Finding Resolved. - Due Diligence Vendor-05/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 693 which exceeds the minimum of 660 Required is 660 Borrower has 693<br>Qualifying DTI below maximum allowed - DTI of 2.64% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 2.77<br>LTV is less than guideline maximum - LTV of 70% is below the maximum of 75% allowed per guidelines Required is 75 Borrower has 70 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865120 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865121 | xxxxxx C A | Closed | xxxxxx | 2026-04-20 10:27 | 2026-04-22 14:42 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-04/22/2026 <br>Ready for Review-Document Uploaded. Please see attached VOR - Seller-04/21/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide missing VOR, verifying 12m rental history. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. Please see attached VOR - Seller-04/21/2026<br>| Resolved-Received VOR. - Due Diligence Vendor-04/22/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.45 Required is 50 Borrower has 42.45<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 701 Required is 660 Borrower has 701 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865123 | xxxxxx C A | Closed | xxxxxx | 2026-04-20 09:21 | 2026-04-30 14:44 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received complete VOR. - Due Diligence Vendor-04/30/2026 <br>Ready for Review-Document Uploaded. please see attached - Seller-04/29/2026 <br>Counter-Pending receipt of complete VOR. - Due Diligence Vendor-04/22/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing rental history to verify borrower's ability to repay. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. please see attached - Seller-04/29/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026<br>| Resolved-Received complete VOR. - Due Diligence Vendor-04/30/2026<br>| Qualifying DTI below maximum allowed - DTI of 17.08% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 17.08<br>LTV is less than guideline maximum - LTV of 85% is below the maximum of 80% allowed per guidelines Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 816 which exceeds the minimum of 660 Required is 660 Borrower has 816 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865123 | xxxxxx C A | Closed | xxxxxx | 2026-04-20 09:03 | 2026-04-30 14:43 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-04/30/2026 <br>Ready for Review-Document Uploaded. Please see attached correct VOR - Seller-04/29/2026 <br>Counter-VOR provided, however it is incomplete. Account in the name of is blank and number of past due 30 in the last 12 months was not answered. Finding remains. - Due Diligence Vendor-04/22/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing rental history for borrower's residence. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. Please see attached correct VOR - Seller-04/29/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026<br>| Resolved-Received VOR. - Due Diligence Vendor-04/30/2026<br>| Qualifying DTI below maximum allowed - DTI of 17.08% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 17.08<br>LTV is less than guideline maximum - LTV of 85% is below the maximum of 80% allowed per guidelines Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 816 which exceeds the minimum of 660 Required is 660 Borrower has 816 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865125 | xxxxxx D A C | Closed | xxxxxx | 2026-04-20 08:38 | 2026-04-24 12:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-CPA letter verifies the business being used to source income has been in existence for a minimum of one year which meets the G/L requirement for xxxxxx- Business Bank Stmt income. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Lender notes the already provided CPA letter clearly has verified 12 months which is the requirement for xxxxxx \*\*\* 12 mo BNK STMT\*\* xxxxxx No further documentation is required. Please expedite this to be cleared as soon as possible - Seller-04/24/2026 <br> Counter-xxxxxx provided does not reflect how long the business has been active. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. Disagree, the CPA letter verified the S/E ownership and the 12 month period as required by the loan product xxxxxx 12 mo BNK STMT, please see attached CPA letters - Seller-04/21/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing from the xxxxxx Letter for xxxxxx, verification of how long xxxxxx has been in business and the borrowers self employed. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/20/2026 | Ready for Review-Lender notes the already provided CPA letter clearly has verified 12 months which is the requirement for xxxxxx 30 Yr Fixed \*\*\* 12 mo BNK STMT\*\* xxxxxx No further documentation is required. Please expedite this to be cleared as soon as possible - Seller-04/24/2026 <br> Ready for Review-Document Uploaded. Disagree, the CPA letter verified the S/E ownership and the 12 month period as required by the loan product xxxxxx 12 mo BNK STMT, please see attached CPA letters - Seller-04/21/2026 | Resolved-CPA letter verifies the business being used to source income has been in existence for a minimum of one year which meets the G/L requirement for xxxxxx- Business Bank Stmt income. - Due Diligence Vendor-04/24/2026 | Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.02 Required is 50 Borrower has 37.03<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 754 Required is 660 Borrower has 754 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865125 | xxxxxx D A C | Closed | xxxxxx | 2026-04-20 09:26 | 2026-04-24 12:26 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-CPA letter verifies the business being used to source income has been in existence for a minimum of one year which meets the G/L requirement for xxxxxx- Business Bank Stmt income. The Final Reviewed QM Status is acceptable. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Lender notes the already provided CPA letter clearly has verified 12 months which is the requirement for xxxxxx \*\*\* 12 mo BNK STMT\*\* xxxxxx No further documentation is required. Please expedite this to be cleared as soon as possible - Seller-04/24/2026 <br> Counter-Please provide evidence of how long the borrowers' business has been opened. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Please expedite this to be cleared as soon as possible - Seller-04/21/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Upon receipt of the conditions ATR/ QM should be able to be determined. Additional conditions may apply. - Due Diligence Vendor-04/20/2026 | Ready for Review-Lender notes the already provided CPA letter clearly has verified 12 months which is the requirement for xxxxxx \*\*\* 12 mo BNK STMT\*\* xxxxxx No further documentation is required. Please expedite this to be cleared as soon as possible - Seller-04/24/2026 <br> Ready for Review-Please expedite this to be cleared as soon as possible - Seller-04/21/2026 | Resolved-CPA letter verifies the business being used to source income has been in existence for a minimum of one year which meets the G/L requirement for xxxxxx- Business Bank Stmt income. The Final Reviewed QM Status is acceptable. - Due Diligence Vendor-04/24/2026 | Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.02 Required is 50 Borrower has 37.03<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 754 Required is 660 Borrower has 754 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865125 | xxxxxx D A C | Closed | xxxxxx | 2026-04-20 09:56 | 2026-04-23 16:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Taxes for property xxxxxx were provided and reflect current. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. Lender notes the attached is the supporting property taxes for xxxxxx (Primary- xxxxxx). Taxes are current and UW qualified with higher amount and still qualified therefore no further explanations nor documentation is needed. Please expedite this to be cleared as soon as possible - Seller-04/21/2026 <br> Open-Missing for property xxxxxx the yearly taxes. Currently what was provided shows delinquent taxes. Need proof what they actually are. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. Lender notes the attached is the supporting property taxes for xxxxxx (Primary- xxxxxx). Taxes are current and UW qualified with higher amount and still qualified therefore no further explanations nor documentation is needed. Please expedite this to be cleared as soon as possible - Seller-04/21/2026 | Resolved-Taxes for property xxxxxx were provided and reflect current. - Due Diligence Vendor-04/23/2026 | Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.02 Required is 50 Borrower has 37.03<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 754 Required is 660 Borrower has 754 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865125 | xxxxxx D A C | Closed | xxxxxx | 2026-04-20 08:38 | 2026-04-23 16:23 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-The borrower's income was not used to qualify. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. Lender notes B1 income is not required to qualify, see 1008 and 1003 reflecting updated DTI \*\*\* not using B1 income to qualify. Please expedite this to be cleared as soon as possible - Seller-04/21/2026 <br> Open-Borrower 1 Tax Returns Not Signed Missing for xxxxxx, the signed page 2 of the 1040s for 2023 and 2024. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. Lender notes B1 income is not required to qualify, see 1008 and 1003 reflecting updated DTI \*\*\* not using B1 income to qualify. Please expedite this to be cleared as soon as possible - Seller-04/21/2026<br>| Resolved-The borrower's income was not used to qualify. - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.02 Required is 50 Borrower has 37.03<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 754 Required is 660 Borrower has 754 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865125 | xxxxxx D A C | Closed | xxxxxx | 2026-04-17 11:39 | 2026-04-23 16:14 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description was provided. - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. Please see attached MTG Copy - Seller-04/21/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the legal description (Exhibit A) attached to the Deed of Trust (Mortgage). Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. Please see attached MTG Copy - Seller-04/21/2026<br>| Resolved-Legal description was provided. - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.02 Required is 50 Borrower has 37.03<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 754 Required is 660 Borrower has 754 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865125 | xxxxxx D A C | Closed | xxxxxx | 2026-04-20 10:00 | 2026-04-23 16:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Updated 1003 was provided. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-this is not a valid finding and no explanation is required. Please expedite this to be cleared as soon as possible - Seller-04/21/2026 <br> Open-Per xxxxxx 1003, it shows that the borrower never owned property in the last 3 years. However on xxxxxx credit report reflects a mortgage that was date last active xxxxxx. Missing clarification/ explanation. Upon receipt additional information maybe required. - Due Diligence Vendor-04/20/2026 | Ready for Review-this is not a valid finding and no explanation is required. Please expedite this to be cleared as soon as possible - Seller-04/21/2026<br>| Resolved-Updated 1003 was provided. - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.02 Required is 50 Borrower has 37.03<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 754 Required is 660 Borrower has 754 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865125 | xxxxxx D A C | Closed | xxxxxx | 2026-04-20 08:38 | 2026-04-23 16:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Signed 4506-C was provided. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing Missing for xxxxx the executed and signed 4506C. Upon receipt additional conditions maybe required. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/21/2026<br>| Resolved-Signed 4506-C was provided. - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.02 Required is 50 Borrower has 37.03<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 754 Required is 660 Borrower has 754 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865125 | xxxxxx D A C | Closed | xxxxxx | 2026-04-17 13:07 | 2026-04-22 14:34 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-04/22/2026 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. See attached - Seller-04/22/2026<br>| Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-04/22/2026 | Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 37.02 Required is 50 Borrower has 37.03<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 754 Required is 660 Borrower has 754 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865127 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865128 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 13:05 | 2026-04-14 17:44 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). Legal found on page 192. - Due Diligence Vendor-04/14/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description attached to the Mortgage. - Due Diligence Vendor-04/14/2026 |  | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). Legal found on page 192. - Due Diligence Vendor-04/14/2026<br>| Months Reserves exceed minimum required - The Borrower has 20.51 months in reserves; guideline minimum is 3 months.<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 38.07%. Required is 50 Borrower has 38.07 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865128 | xxxxxx C B A | Closed | xxxxxx | 2026-04-13 15:40 | 2026-04-13 15:40 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026<br>| Months Reserves exceed minimum required - The Borrower has 20.51 months in reserves; guideline minimum is 3 months.<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 38.07%. Required is 50 Borrower has 38.07 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 865131 | xxxxxx D A | Closed | xxxxxx | 2026-04-20 21:24 | 2026-04-23 12:26 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-The signed trust agreement was provided. - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. See attached. - Seller-04/22/2026 <br>Open-The Business Entity Formation Document is Missing. Provide missing trust documentation. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. See attached. - Seller-04/22/2026<br>| Resolved-The signed trust agreement was provided. - Due Diligence Vendor-04/23/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 811<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.22 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 865131 | xxxxxx D A | Closed | xxxxxx | 2026-04-21 23:16 | 2026-04-23 12:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet was provided. - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/22/2026 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Provide SSI Income Calculations to support $3748.70 monthly; Auditor used bank statement deposts.<br> Provide other Income calculations to support $35,443.88 monthly; Auditor calculated $36,167.23 using asset utilization. - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/22/2026<br>| Resolved-The Borrower 1 Bank Statement Summary/Lender Worksheet was provided. - Due Diligence Vendor-04/23/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 811<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.22 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 865133 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865135 | xxxxxx C A | Closed | xxxxxx | 2026-04-22 13:19 | 2026-05-01 17:08 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received master cert of property insurance and xpl fidelity showing as employee dishonesty. verified coverage amount satisfies requirement - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. Please see attached coverage for fidelity is showing as employee dishonesty coverage, see attached - Seller-04/30/2026 <br> Open-Fidelity Coverage not met. Fidelity Coverage not met - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached coverage for fidelity is showing as employee dishonesty coverage, see attached - Seller-04/30/2026<br>| Resolved-Received master cert of property insurance and xpl fidelity showing as employee dishonesty. verified coverage amount satisfies requirement - Due Diligence Vendor-05/01/2026 | Qualifying DTI below maximum allowed - . Required is 50 Borrower has 37.88<br>Months Reserves exceed minimum required - Months Reserves exceed minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865135 | xxxxxx C A | Closed | xxxxxx | 2026-04-22 13:49 | 2026-05-01 17:01 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR 0x30. - Due Diligence Vendor-05/01/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-04/30/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOR - Provide 12 month payment history on current primary housing expense. <br> - Due Diligence Vendor-04/22/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/30/2026<br>| Resolved-Received VOR 0x30. - Due Diligence Vendor-05/01/2026<br>| Qualifying DTI below maximum allowed - . Required is 50 Borrower has 37.88<br>Months Reserves exceed minimum required - Months Reserves exceed minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865137 | xxxxxx C A | Closed | xxxxxx | 2026-04-24 16:07 | 2026-04-30 09:03 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. See attached - Seller-04/29/2026 <br> Counter-COC for the lock does not reference a decrease in lender credit. Finding Remains. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. The loan was locked and a cure for the CR fee. See attached documents - Seller-04/28/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($10,472.81) does not exceed or equal the comparable sum of specific and non-specific lender credits ($12,548.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $12,548.00 to $10,472.81. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $2,075.19, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/24/2026 | Ready for Review-Document Uploaded. See attached - Seller-04/29/2026 <br>Ready for Review-Document Uploaded. The loan was locked and a cure for the CR fee. See attached documents - Seller-04/28/2026<br>| Resolved-Received COC for decrease in fees. Finding Resolved. - Due Diligence Vendor-04/30/2026<br>| Qualifying DTI below maximum allowed - ' Required is 50 Borrower has 36.99<br>LTV is less than guideline maximum - ' Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - ' Required is 700 Borrower has 767 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865138 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 17:02 | 2026-04-16 17:09 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 13 months of Mortgage Statements. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12 months housing history for REO xxxxxx. Only mortgage statement provided is xxxxxx. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026<br>| Resolved-Received 13 months of Mortgage Statements. - Due Diligence Vendor-04/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 43.25 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865138 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 17:10 | 2026-04-16 17:05 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received all Gift Funds wire receipt. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. We respectfully disagree. The funds to close were 119,988.83, $0 reserves were required and the borrower received $130,000 in gift funds not including the gift of $3000 EMD. After closing, the borrower had an asset surplus of $10,011.17. Please see attached. - Seller-04/15/2026 <br>Open-Total Qualified Assets Post-Close amount is '$-9988.83'. Assets are Insufficient. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. We respectfully disagree. The funds to close were 119,988.83, $0 reserves were required and the borrower received $130,000 in gift funds not including the gift of $3000 EMD. After closing, the borrower had an asset surplus of $10,011.17. Please see attached. - Seller-04/15/2026<br>| Resolved-Received all Gift Funds wire receipt. - Due Diligence Vendor-04/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 43.25 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865138 | xxxxxx C B A | Closed | xxxxxx | 2026-04-13 08:29 | 2026-04-13 08:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 43.25 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 865138 | xxxxxx C B A | Closed | xxxxxx | 2026-04-13 08:29 | 2026-04-13 08:29 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026 |  | Waived-Initial Escrow Account Disclosure is Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 694<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 43.25 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 865139 | xxxxxx D A | Closed | xxxxxx | 2026-04-17 11:46 | 2026-04-24 12:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-WorkNumber printout for Brw1 provided. Info verified on 4/8/26 with xxxxxx. Employment status is Active. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please see attached verified employment date 4.8 good until 4.18, does suffice,. Please expedite this to be cleared as soon as possible - Seller-04/24/2026 <br> Counter-Received CPA verifying B2 SE, File is missing 10day VOE for B1 from employer xxxxxx. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. 4.1.2026 CPA letter is within 60 days of date Note closed xxxxxx, Does suffice - Seller-04/20/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide A VOE dated no more than 10 calendar days prior to Note date. Subject to additional conditions. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. Please see attached verified employment date 4.8 good until 4.18, does suffice,. Please expedite this to be cleared as soon as possible - Seller-04/24/2026 <br> Ready for Review-Document Uploaded. 4.1.2026 CPA letter is within 60 days of date Note closed xxxxxx, Does suffice - Seller-04/20/2026 | Resolved-WorkNumber printout for Brw1 provided. Info verified on 4/8/26 with xxxxxx. Employment status is Active. - Due Diligence Vendor-04/24/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 801 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865139 | xxxxxx D A | Closed | xxxxxx | 2026-04-17 11:56 | 2026-04-24 12:40 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received lease, extensions/monthly rent adjustments as well as statements with proof of payments for the months of March 2026 - April 2025. 12 mo payment history has been documented. - Due Diligence Vendor-04/24/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide a 12 month satisfactory rental history for borrowers' primary residence. Subject to additional conditions. - Due Diligence Vendor-04/17/2026 |  | Resolved-Received lease, extensions/monthly rent adjustments as well as statements with proof of payments for the months of March 2026 - April 2025. 12 mo payment history has been documented. - Due Diligence Vendor-04/24/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 801 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865141 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865143 | xxxxxx C A | Closed | xxxxxx | 2026-04-24 08:56 | 2026-04-28 13:41 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR 0x30 for current and prior. - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. Please see attached VORS for Rents 4mo Primary xxxxxx and Prior 2yrs rents xxxxxx<br> - Seller-04/25/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing proof of the most recent 12 months rental payment history. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/24/2026 | Ready for Review-Document Uploaded. Please see attached VORS for Rents 4mo Primary xxxxxx and Prior 2yrs rents xxxxxx<br> - Seller-04/25/2026 | Resolved-Received VOR 0x30 for current and prior. - Due Diligence Vendor-04/28/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 40.7 Required is 50 Borrower has 40.7<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 737 Required is 700 Borrower has 737 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865143 | xxxxxx C A | Closed | xxxxxx | 2026-04-23 13:51 | 2026-04-28 07:53 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received PCCD xxxxxx moving fee into section C. Finding Resolved. - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. See updated CD with the fee in the correct block - Seller-04/27/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $350.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $350 (Title- Endorsement Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $350, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. See updated CD with the fee in the correct block - Seller-04/27/2026<br>| Resolved-Received PCCD xxxxxx moving fee into section C. Finding Resolved. - Due Diligence Vendor-04/28/2026 | Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 40.7 Required is 50 Borrower has 40.7<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 737 Required is 700 Borrower has 737 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865144 | xxxxxx D A | Closed | xxxxxx | 2026-04-15 07:30 | 2026-04-21 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received income calc, revised 1003 and 1008. - Due Diligence Vendor-04/21/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/20/2026 <br>Counter-Worksheet provided, however the income is calculated at $92,525.24, and does not match the 1003 stated amount. Reviewed income calculation is $61,451.67. Please provide a revised income calculation. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing the Income Calculation Worksheet that matches the income reflected on the final 1003. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/20/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026<br>| Resolved-Received income calc, revised 1003 and 1008. - Due Diligence Vendor-04/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.1 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865144 | xxxxxx D A | Closed | xxxxxx | 2026-04-15 07:39 | 2026-04-16 16:55 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing proof of Rent Free, as indicated on the final 1008 or a fully completed VOR/ rent checks for the most recent 12 months. Upon receipt additional conditions may apply. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-04/15/2026<br>| Resolved-Received VOR - Due Diligence Vendor-04/16/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.1 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865146 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 13:57 | 2026-06-08 17:39 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/14/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 7.95m.<br>Credit history exceeds minimum required - Borrower has timely credit reporting since 2008. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865146 | xxxxxx C B A | Closed | xxxxxx | 2026-04-15 19:38 | 2026-04-17 15:21 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received housing history. - Due Diligence Vendor-04/17/2026 <br>Ready for Review-Document Uploaded. Please see attached VOR docs - Seller-04/16/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing VOR on primary residence. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Please see attached VOR docs - Seller-04/16/2026<br>| Resolved-Received housing history. - Due Diligence Vendor-04/17/2026<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 7.95m.<br>Credit history exceeds minimum required - Borrower has timely credit reporting since 2008. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865146 | xxxxxx C B A | Closed | xxxxxx | 2026-04-15 14:17 | 2026-04-17 15:19 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history. - Due Diligence Vendor-04/17/2026 <br>Ready for Review-Document Uploaded. Please see attached VOR docs - Seller-04/16/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Provide missing VOR to verify housing history for current primary home rental. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Please see attached VOR docs - Seller-04/16/2026<br>| Resolved-Received payment history. - Due Diligence Vendor-04/17/2026<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 7.95m.<br>Credit history exceeds minimum required - Borrower has timely credit reporting since 2008. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865146 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 13:57 | 2026-04-17 09:30 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received PCCD xxxxxx correcting placement of fee. Finding Resolved. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. Borrower shopped. Fee was in the wrong block - see attached - Seller-04/16/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $200.00 (Notary) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $200.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. Borrower shopped. Fee was in the wrong block - see attached - Seller-04/16/2026<br>| Resolved-Received PCCD xxxxxx correcting placement of fee. Finding Resolved. - Due Diligence Vendor-04/17/2026 | Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 7.95m.<br>Credit history exceeds minimum required - Borrower has timely credit reporting since 2008. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865146 | xxxxxx C B A | Closed | xxxxxx | 2026-04-14 12:41 | 2026-04-14 12:41 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Originator waiver applied to non-material Findings. - Due Diligence Vendor-04/14/2026<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 7.95m.<br>Credit history exceeds minimum required - Borrower has timely credit reporting since 2008. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 865147 | xxxxxx B A | Closed | xxxxxx | 2026-04-14 14:48 | 2026-06-09 12:27 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. - Due Diligence Vendor-04/14/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. - Due Diligence Vendor-04/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 720 Borrower has 797. Required is 660 Borrower has 797<br>LTV is less than guideline maximum - LTV Required is 85% Borrower has 60%. Required is 85 Borrower has 60 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 865148 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865149 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865151 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865152 | xxxxxx C A | Closed | xxxxxx | 2026-04-23 15:39 | 2026-05-06 09:32 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received rent free letter, file contains documentation supporting the signor of the rent free letter owns the property the borrower is living rent free in. - Due Diligence Vendor-05/06/2026 <br>Counter-Rent free letter is no different than Verification of Mortgage (VOM) and/or Verification of Rent (VOR) is required to support housing payment history and reviewed for delinquencies in the last 12months. Must validate most recent 12 months housing history<br> - Due Diligence Vendor-05/05/2026 <br>Ready for Review-We respectfully disagree. Guidelines do not stipulate the requirement to confirm the dates of living rent free. The borrower(s) have already attested to the timelines of their residence on the signed loan application. - Seller-05/01/2026 <br>Counter-Pending receipt of housing history. - Due Diligence Vendor-05/01/2026 <br>Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/30/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Unable to determine ability to repay as VOR is missing. - Due Diligence Vendor-04/23/2026 | Ready for Review-We respectfully disagree. Guidelines do not stipulate the requirement to confirm the dates of living rent free. The borrower(s) have already attested to the timelines of their residence on the signed loan application. - Seller-05/01/2026 <br>Ready for Review-Please refer to uploaded documents in related finding. - Seller-04/30/2026<br>| Resolved-Received rent free letter, file contains documentation supporting the signor of the rent free letter owns the property the borrower is living rent free in. - Due Diligence Vendor-05/06/2026<br>| Verified employment history exceeds guidelines<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 722 which exceeds the minimum of 680 Required is 680 Borrower has 722 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865152 | xxxxxx C A | Closed | xxxxxx | 2026-04-23 15:20 | 2026-05-06 09:31 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent free letter, file contains documentation supporting the signor of the rent free letter owns the property the borrower is living rent free in. - Due Diligence Vendor-05/06/2026 <br>Ready for Review-We respectfully disagree. Guidelines do not stipulate the requirement to confirm the dates of living rent free. The borrower(s) have already attested to the timelines of their residence on the signed loan application. - Seller-05/01/2026 <br>Counter-Rent free letter provided, however it does not confirm the dates of living rent free. - Due Diligence Vendor-05/01/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/30/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOR or rent free letter for borrower. - Due Diligence Vendor-04/23/2026 | Ready for Review-We respectfully disagree. Guidelines do not stipulate the requirement to confirm the dates of living rent free. The borrower(s) have already attested to the timelines of their residence on the signed loan application. - Seller-05/01/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-04/30/2026<br>| Resolved-Received rent free letter, file contains documentation supporting the signor of the rent free letter owns the property the borrower is living rent free in. - Due Diligence Vendor-05/06/2026<br>| Verified employment history exceeds guidelines<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 722 which exceeds the minimum of 680 Required is 680 Borrower has 722 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865158 | xxxxxx D B A | Closed | xxxxxx | 2026-05-11 16:46 | 2026-05-28 16:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-The loan program requires 4 months of reserves. Waiver for employment updated to no longer require and extra 2 months of reserves. - Due Diligence Vendor-05/28/2026 <br>Counter-Received Lender response for an exception. MIssing proof of the 2 yr reserves to apply exception. Finding remains. - Due Diligence Vendor-05/22/2026 <br>Counter-Per the finding below, Exception requires an additional 2 months reserves, thus the reason reserves are short - Due Diligence Vendor-05/18/2026 <br>Open-Audited Reserves of 4.05 month(s) are less than Guideline Required Reserves of 6 month(s) Exception for B2 lacking 2 years of employment was approved contingent on having at least 2 additional months of reserves. Audited assets, including gifts, reflects only the minimum reserve requirement of 4 months is met. Additional findings may apply. - Due Diligence Vendor-05/11/2026 |  | Resolved-The loan program requires 4 months of reserves. Waiver for employment updated to no longer require and extra 2 months of reserves. - Due Diligence Vendor-05/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $6814.71; minimum required $NONE | 1 - Credit Score 30+ points > minimum required <br> 2 - Residual income more than 1.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865158 | xxxxxx D B A | Closed | xxxxxx | 2026-05-11 15:56 | 2026-05-28 15:29 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/12/2026 <br>Open-Borrower 2 Total Years Employment Verified is Less Than 24 Months Exception in file. - Due Diligence Vendor-05/11/2026 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $6814.71; minimum required $NONE | - Credit Score 10 points > minimum required<br> - Residual income more than 1.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 865158 | xxxxxx D B A | Closed | xxxxxx | 2026-05-11 16:23 | 2026-05-20 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received corrected 1003 reflecting borrowers residing in same address. - Due Diligence Vendor-05/20/2026 <br>Open-B2 1003 reflects they have been residing separately from B1 and maintaining a separate rent amount. Per letter of explanation in file the property listed for B2 is the home of B1's parents and they have both been renting at the residence listed under B1. VOR shows only B1. Additional findings may apply. - Due Diligence Vendor-05/11/2026 |  | Resolved-Received corrected 1003 reflecting borrowers residing in same address. - Due Diligence Vendor-05/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $6814.71; minimum required $NONE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865158 | xxxxxx D B A | Closed | xxxxxx | 2026-05-11 15:17 | 2026-05-20 12:11 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Received CPM confirmation no review completed and not noted as ineligible. - Due Diligence Vendor-05/20/2026 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Questionnaire provided. Missing evidence that the project is not listed in xxxxxx's CPM as "Unavailable" as required per Section 9.9. Additional findings may apply. - Due Diligence Vendor-05/11/2026 |  | Resolved-Received CPM confirmation no review completed and not noted as ineligible. - Due Diligence Vendor-05/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 742<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $6814.71; minimum required $NONE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865160 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865165 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 865184 | xxxxxx C B A | Closed | xxxxxx | 2026-05-12 08:57 | 2026-05-22 10:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver to allow 75 LTV , applied to non material finding with comp factors - Due Diligence Vendor-05/22/2026 <br> Counter-Per 1008, exception granted for LTV. Please provide client exception. - Due Diligence Vendor-05/21/2026 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Lender approved exception on file. "Exception approved to allow 75 LTV in accordance with the lock at xxxxxx." - Due Diligence Vendor-05/12/2026 |  | Waived-Originator provided a waiver to allow 75 LTV , applied to non material finding with comp factors - Due Diligence Vendor-05/22/2026<br>| Months Reserves exceed minimum required - 11.88 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 | 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - 0x30 for 24 months on all mortgages / Compensating Factor 3 - Residual income more than 2.5x the amount required by guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 865184 | xxxxxx C B A | Closed | xxxxxx | 2026-05-12 08:22 | 2026-05-21 14:10 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Received revised appraisal with previous license - Due Diligence Vendor-05/21/2026 <br>Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date No additional dates provided to confirm licensed prior to appraisal effective date. - Due Diligence Vendor-05/12/2026 |  | Resolved-Received revised appraisal with previous license - Due Diligence Vendor-05/21/2026<br>| Months Reserves exceed minimum required - 11.88 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865194 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865197 | xxxxxx C A | Closed | xxxxxx | 2026-05-14 13:42 | 2026-05-20 12:20 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received LOE and action plan to stabilize. - Due Diligence Vendor-05/20/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Per two year cash flow analysis the income for the main businesses decreased significantly with no explanation provided. - Due Diligence Vendor-05/14/2026 |  | Resolved-Received LOE and action plan to stabilize. - Due Diligence Vendor-05/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 724<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 49.93 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865197 | xxxxxx C A | Closed | xxxxxx | 2026-05-14 10:27 | 2026-05-20 12:20 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Resolved-Received LOE and action plan to stabilize. - Due Diligence Vendor-05/20/2026 <br>Open-Income 1 Income Trend is Decreasing Per two year cash flow analysis for Trend Notes, the income decreased significantly with no explanation provided. - Due Diligence Vendor-05/14/2026 |  | Resolved-Received LOE and action plan to stabilize. - Due Diligence Vendor-05/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 724<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 49.93 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865197 | xxxxxx C A | Closed | xxxxxx | 2026-05-14 10:27 | 2026-05-20 12:19 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 5 Income Trend is Decreasing | Resolved-Received LOE and action plan to stabilize. - Due Diligence Vendor-05/20/2026 <br> Open-Income 5 Income Trend is Decreasing Per two year cash flow analysis for xxxxxx, the income decreased significantly with no explanation provided. - Due Diligence Vendor-05/14/2026 |  | Resolved-Received LOE and action plan to stabilize. - Due Diligence Vendor-05/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 724<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 49.93 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865207 | xxxxxx C A | Closed | xxxxxx | 2026-05-19 17:34 | 2026-05-29 07:30 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received explanation that change in loan parameters changed lender credit. Lender credit was not listed on the COC. Finding Resolved. - Due Diligence Vendor-05/29/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($4,213.37) does not exceed or equal the comparable sum of specific and non-specific lender credits ($4,244.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $4,244.00 to $4,213.37 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $30.63, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Remediation options (1) within 60 days of consummation expires xxxxxx (2) within 60 days of discovery expires xxxxxx remains xxxxxx under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: xxxxxx remains xxxxxx - Due Diligence Vendor-05/19/2026 |  | Resolved-Received explanation that change in loan parameters changed lender credit. Lender credit was not listed on the COC. Finding Resolved. - Due Diligence Vendor-05/29/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.1 Required is 50 Borrower has 22.1<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 808 Required is 660 Borrower has 808 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 865210 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 865243 | xxxxxx D A | Closed | xxxxxx | 2026-04-21 17:46 | 2026-04-30 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received LOE, appears there are two policies on the subject. - Due Diligence Vendor-04/30/2026 <br> Counter-HOI policy in credit file has a total premium of $4337.00, Final CD reflects HOI of $5982.00. Provide HOI policy to match what was collected at closing - Due Diligence Vendor-04/27/2026 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Policy premium in file does not match the premium collected at closing. Provide final hazard insurance that matches what was collected at closing. - Due Diligence Vendor-04/21/2026 |  | Resolved-Received LOE, appears there are two policies on the subject. - Due Diligence Vendor-04/30/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865243 | xxxxxx D A | Closed | xxxxxx | 2026-04-21 13:58 | 2026-04-28 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-04/28/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-04/21/2026 |  | Resolved-Received credit refresh. - Due Diligence Vendor-04/28/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.15<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865245 | xxxxxx D B A | Closed | xxxxxx | 2026-05-15 09:46 | 2026-05-26 10:49 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received YTD copies of checks and deposit receipts supporting 1099 income and continuance. - Due Diligence Vendor-05/26/2026 <br>Ready for Review-Document Uploaded. 5/21/26 - please see attached checks issued from employer and deposited year to date. - Buyer-05/21/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. missing- YTD Documentation to support continued receipt of income from same source form 1099. - Due Diligence Vendor-05/15/2026 |  | Resolved-Received YTD copies of checks and deposit receipts supporting 1099 income and continuance. - Due Diligence Vendor-05/26/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 42.02<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.71 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865245 | xxxxxx D B A | Closed | xxxxxx | 2026-05-15 09:28 | 2026-05-26 10:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Upon further review, the loan file contains sufficient evidence of current earnings. - Due Diligence Vendor-05/26/2026 <br>Ready for Review-5/21/26 - please see attached checks issued from employer and deposited year to date. - Buyer-05/21/2026 <br>Open-Missing income documentation- for 1yr 1099 per matrix we need- YTD Documentation to support continued receipt of income from same source. - Due Diligence Vendor-05/15/2026 |  | Resolved-Upon further review, the loan file contains sufficient evidence of current earnings. - Due Diligence Vendor-05/26/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 42.02<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.71 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865245 | xxxxxx D B A | Closed | xxxxxx | 2026-05-13 12:31 | 2026-05-13 13:00 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 42.02<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.71 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 865250 | xxxxxx B A | Closed | xxxxxx | 2026-05-12 14:24 | 2026-05-12 14:24 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/12/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 651<br>LTV is less than guideline maximum - Required is 70 Borrower has 38.82<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.92 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 865251 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865261 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865263 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865264 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 865265 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865279 | xxxxxx C A | Closed | xxxxxx | 2026-05-08 13:07 | 2026-05-12 10:19 | Resolved | 1 - Information C A | Credit | Borrower | Borrower or Co Borrower Citizenship is Unknown | Resolved-Received xxxxxx Passport. - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. - Seller-05/08/2026 <br> Open-Loan applications state borrower is a xxxxxx. Copy of social security card states "VALID FOR WORK ONLY WITH INS AUTHORIZATION". Need confirmation of the borrower's citizenship status. Additional findings may apply. - Due Diligence Vendor-05/08/2026 | Ready for Review-Document Uploaded. - Seller-05/08/2026<br>| Resolved-Received xxxxxx Passport. - Due Diligence Vendor-05/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 800<br>LTV is less than guideline maximum - Required is 80 Borrower has 34.67<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.02 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865289 | xxxxxx D A | Closed | xxxxxx | 2026-05-19 15:55 | 2026-05-22 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received LOX from borrower stating that the rent amount shown on credit report was from him Co-signing for parents to rent property. States the parents now live with him. Tradeline last updated 3/2025 - Due Diligence Vendor-05/22/2026 <br>Ready for Review-Document Uploaded. - Seller-05/20/2026 <br>Open-Missing letter of explanation for residential rental reporting on the borrowr's credit which was reporting in the most recent 2-years. Per 1003 borrower has been at current residence for 6 years. Additional findings may apply. <br> - Due Diligence Vendor-05/19/2026 | Ready for Review-Document Uploaded. - Seller-05/20/2026<br>| Resolved-Received LOX from borrower stating that the rent amount shown on credit report was from him Co-signing for parents to rent property. States the parents now live with him. Tradeline last updated 3/2025 - Due Diligence Vendor-05/22/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.19<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 792 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865294 | xxxxxx D B A | Closed | xxxxxx | 2026-05-14 11:07 | 2026-05-21 10:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received back of perm resident alien card for B2 - Due Diligence Vendor-05/21/2026 <br>Open-Borrower Citizenship Documentation Is Missing Missing back of green card B2 - Due Diligence Vendor-05/14/2026 |  | Resolved-Received back of perm resident alien card for B2 - Due Diligence Vendor-05/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.99<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 722 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865294 | xxxxxx D B A | Closed | xxxxxx | 2026-05-12 10:56 | 2026-05-12 14:27 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-05/12/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-05/12/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.99<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 722 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 865296 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 865318 | xxxxxx D B A | Closed | xxxxxx | 2026-05-19 10:03 | 2026-05-26 09:10 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-05/26/2026 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-05/19/2026 |  | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-05/26/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 726<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.4 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 865318 | xxxxxx D B A | Closed | xxxxxx | 2026-05-19 09:26 | 2026-05-22 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received lenders warranty, Per GL - Warrantable Condo-Lenders Condo Warranty form is to be provided - Due Diligence Vendor-05/22/2026 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing condo questionnaire. - Due Diligence Vendor-05/19/2026 |  | Resolved-Received lenders warranty, Per GL - Warrantable Condo-Lenders Condo Warranty form is to be provided - Due Diligence Vendor-05/22/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 726<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.4 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865318 | xxxxxx D B A | Closed | xxxxxx | 2026-05-15 11:44 | 2026-05-15 12:15 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-05/15/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material finding - Due Diligence Vendor-05/15/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 726<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.4 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 865319 | xxxxxx D B A | Closed | xxxxxx | 2026-05-08 11:29 | 2026-05-08 16:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-The HOA Questionnaire is not required as the subject is a warrantable condo. Per G/L for a Warrantable Condo – only a Lender's Condo Warranty Form is required and this warranty is in file. - Due Diligence Vendor-05/08/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. A condo questionnaire is required for a xxxxxx (xxxxxx) xxxxxx Review to verify project eligibility. Verification required to confirm that the project meets key safety, insurance, and ownership requirements. - Due Diligence Vendor-05/08/2026 |  | Resolved-The HOA Questionnaire is not required as the subject is a warrantable condo. Per G/L for a Warrantable Condo – only a Lender's Condo Warranty Form is required and this warranty is in file. - Due Diligence Vendor-05/08/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 54.95<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865319 | xxxxxx D B A | Closed | xxxxxx | 2026-05-05 17:22 | 2026-05-05 20:53 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026<br>| LTV is less than guideline maximum - Required is 70 Borrower has 54.95<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.37<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 683 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 865320 | xxxxxx D A | Closed | xxxxxx | 2026-05-14 12:35 | 2026-06-03 11:18 | Resolved | 1 - Information C A | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-06/03/2026 <br>Open-CU in file is over 2.5. While only one score is needed, guides state if both scores (CU and LCA) are provided then both must be <= 2.5.<br> CDA is needed. - Due Diligence Vendor-05/14/2026 |  | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-06/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778<br>LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.08 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 865320 | xxxxxx D A | Closed | xxxxxx | 2026-05-14 11:40 | 2026-06-03 11:18 | Resolved | 1 - Information D A | Property | Missing Doc | Missing HOA/Condo Certification | Resolved-Received confirmation of special assessments and total HOA dues corrected on appraisal. - Due Diligence Vendor-06/03/2026 <br> Counter-Received purchase contract reflecting Special Assessments for xxxxxx Units. Missing confirmation subject does not have special assessments. Appraisal reflects no but notes incorrect HOA amount. - Due Diligence Vendor-05/21/2026 <br> Open-HOA dues on appraisal do not match what was used by lender per Lender Loan Information and DTI. Evidence of higher HOA does not provided. - Due Diligence Vendor-05/14/2026 |  | Resolved-Received confirmation of special assessments and total HOA dues corrected on appraisal. - Due Diligence Vendor-06/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778<br>LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.08 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 865320 | xxxxxx D A | Closed | xxxxxx | 2026-05-14 11:35 | 2026-05-21 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received property profile confirming primary is free and clear. - Due Diligence Vendor-05/21/2026 <br>Open-Per guide, documentatuion required for primary residence owned free & clear for housing history, however not provided. - Due Diligence Vendor-05/14/2026 |  | Resolved-Received property profile confirming primary is free and clear. - Due Diligence Vendor-05/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778<br>LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.08 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 865324 | xxxxxx C A | Closed | xxxxxx | 2026-05-12 13:58 | 2026-05-14 10:01 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC clearance. - Due Diligence Vendor-05/14/2026 <br>Ready for Review-Document Uploaded. - Seller-05/13/2026 <br>Open-OFAC Check Not Completed and/or Cleared for the Appraiser and the Appraisal Company. - Due Diligence Vendor-05/12/2026 | Ready for Review-Document Uploaded. - Seller-05/13/2026<br>| Resolved-Received OFAC clearance. - Due Diligence Vendor-05/14/2026<br>| Long term residence - Borrower has been at current residence >5 years.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.29<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 727 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865327 | xxxxxx D B A C | Closed | xxxxxx | 2026-05-21 10:51 | 2026-06-01 11:08 | Resolved | 1 - Information D A | Credit | Debt | Missing Supporting Credit Documents | Resolved-Received Cash Out letter, paying off debt - Due Diligence Vendor-06/01/2026 <br>Open-Missing cashout letter required on cashout refi transaction. - Due Diligence Vendor-05/21/2026 |  | Resolved-Received Cash Out letter, paying off debt - Due Diligence Vendor-06/01/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 745 is higher than the required 660 Required is 660 Borrower has 745<br>LTV is less than guideline maximum - LTV 74.18% is lower than maximum 80% Required is 80 Borrower has 74.18 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865327 | xxxxxx D B A C | Closed | xxxxxx | 2026-05-19 13:07 | 2026-06-01 07:36 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received copy of E Sign document. Finding Resolved. - Due Diligence Vendor-06/01/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. -----Initial CD xxxxxx is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-05/19/2026 |  | Resolved-Received copy of E Sign document. Finding Resolved. - Due Diligence Vendor-06/01/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 745 is higher than the required 660 Required is 660 Borrower has 745<br>LTV is less than guideline maximum - LTV 74.18% is lower than maximum 80% Required is 80 Borrower has 74.18 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865327 | xxxxxx D B A C | Closed | xxxxxx | 2026-05-19 12:23 | 2026-05-29 07:34 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-05/29/2026 <br>Open-Missing e-Consent. -----Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-05/19/2026 |  | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-05/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 745 is higher than the required 660 Required is 660 Borrower has 745<br>LTV is less than guideline maximum - LTV 74.18% is lower than maximum 80% Required is 80 Borrower has 74.18 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865327 | xxxxxx D B A C | Closed | xxxxxx | 2026-05-19 12:23 | 2026-05-19 12:27 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/19/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 745 is higher than the required 660 Required is 660 Borrower has 745<br>LTV is less than guideline maximum - LTV 74.18% is lower than maximum 80% Required is 80 Borrower has 74.18 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 865333 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 865339 | xxxxxx C B A | Closed | xxxxxx | 2026-05-22 15:06 | 2026-06-02 07:58 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Received document tracking for borrower's receipt. Finding Resolved. - Due Diligence Vendor-06/02/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. ----- The APR of 6.553% on CD xxxxxx changed to 6.549% on final CD xxxxxx without a new three day waiting period. - Due Diligence Vendor-05/22/2026 |  | Resolved-Received document tracking for borrower's receipt. Finding Resolved. - Due Diligence Vendor-06/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865339 | xxxxxx C B A | Closed | xxxxxx | 2026-05-27 15:16 | 2026-06-01 16:57 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material due to client allows C08 VISA types. - Due Diligence Vendor-06/01/2026 <br> Open-Per EAD card, borrower's category is C08, which is not one odf the Eligible VISA Types in guide. - Due Diligence Vendor-05/27/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material due to client allows C08 VISA types. - Due Diligence Vendor-06/01/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 | 1 - DTI <= 40% which is below requirement in guidelines<br> 2 - Reserves exceed requirement by 10 months or more<br> 3 - Credit Score 20 points > minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 865339 | xxxxxx C B A | Closed | xxxxxx | 2026-05-27 15:24 | 2026-05-28 10:00 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Client exception granted to allow departure residence to be retained and used for rental, Non-materialwaiver applied with comp factors. - Due Diligence Vendor-05/28/2026 <br> Open-Approved to retaindeparture primaryas a rentalproperty as the subject is greater in sq. footage and overall room count/value. Departure residence is listedonline for rent. - Due Diligence Vendor-05/27/2026 |  | Waived-Client exception granted to allow departure residence to be retained and used for rental, Non-materialwaiver applied with comp factors. - Due Diligence Vendor-05/28/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740 | DTI is 30%, Reserves are 44mon, FICO is 740 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 865340 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 865342 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865345 | xxxxxx D B A | Closed | xxxxxx | 2026-04-22 12:29 | 2026-04-29 10:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver for reserve requirement. applied to non material finding with comp factors - Due Diligence Vendor-04/29/2026 <br> Counter-Received from originator: The verified assets total $72,912.23, which already covers more than 8 months of reserves. Therefore, the requirement has been fully satisfied. Review: $72,912.23 verified. Review did not received EMD validation. Reserves are short $801.79. <br> - Due Diligence Vendor-04/28/2026 <br> Open-Audited Reserves of 3.63 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-04/22/2026 |  | Waived-Client provided a waiver for reserve requirement. applied to non material finding with comp factors - Due Diligence Vendor-04/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 745 Required is 660 Borrower has 745<br>Verified employment history exceeds guidelines - Employment history 3 yrs exceeds the 2 yrs requirement. | Credit Score 30+ points<br> Employed at same job over 2 years | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 865345 | xxxxxx D B A | Closed | xxxxxx | 2026-04-22 11:45 | 2026-04-29 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Received HO-6 Insurance Policy - Due Diligence Vendor-04/29/2026 <br>Open-HO-6 Insurance Policy is Missing missing H0-6 policy. - Due Diligence Vendor-04/22/2026 |  | Resolved-Received HO-6 Insurance Policy - Due Diligence Vendor-04/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 745 Required is 660 Borrower has 745<br>Verified employment history exceeds guidelines - Employment history 3 yrs exceeds the 2 yrs requirement. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865346 | xxxxxx D A | Closed | xxxxxx | 2026-04-24 06:49 | 2026-04-29 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Received Master HOI policy. - Due Diligence Vendor-04/29/2026 <br> Open-Condo Master Insurance Policy Partially Provided Condo master policy doe not reference our borrower and subject address. Unit xxxxxx units does not match with Condo questionnaire #units. - Due Diligence Vendor-04/24/2026 |  | Resolved-Received Master HOI policy. - Due Diligence Vendor-04/29/2026<br>| Qualifying DTI below maximum allowed - DTI 28.25 max 50%. Required is 50 Borrower has 28.25<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 767 min score 680. Required is 680 Borrower has 767 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865347 | xxxxxx C B A | Closed | xxxxxx | 2026-04-21 13:13 | 2026-05-11 14:31 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-05/08/2026 <br> Counter-Collateral Desktop Analysis changed from $150.00 on LE xxxxxx to $165 on CD xxxxxx which is a $15.00 change without a COC in file. The other .40 is a rounding issue.. - Due Diligence Vendor-04/28/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $15.40.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $15.40 (Collateral Desktop Analysis) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $15.40, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/21/2026 |  | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-05/08/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865347 | xxxxxx C B A | Closed | xxxxxx | 2026-04-23 07:47 | 2026-04-23 08:32 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Picture provided - Due Diligence Vendor-04/23/2026 <br> Open-Property Issues are identified for the property Appraiser to confirm that the xxxxxx has xxxxxx or the xxxxxx has been installed. Subject to additional conditions. - Due Diligence Vendor-04/23/2026 |  | Resolved-Picture provided - Due Diligence Vendor-04/23/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865372 | xxxxxx C B A | Closed | xxxxxx | 2026-05-08 09:41 | 2026-05-18 09:21 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/18/2026 <br> Open-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/08/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). ----- Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/18/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.59<br>LTV is less than guideline maximum - Required is 75 Borrower has 68.48<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 865372 | xxxxxx C B A | Closed | xxxxxx | 2026-05-08 09:53 | 2026-05-12 16:25 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Settlement statement shows disbursement date of xxxxxx with cancel date of xxxxxx. Finding resolved. - Due Diligence Vendor-05/12/2026 <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. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-05/08/2026 |  | Resolved-Settlement statement shows disbursement date of xxxxxx with cancel date of xxxxxx. Finding resolved. - Due Diligence Vendor-05/12/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.59<br>LTV is less than guideline maximum - Required is 75 Borrower has 68.48<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 799 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865380 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865389 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 865585 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 865587 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 865589 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 865593 | xxxxxx C B A | Closed | xxxxxx | 2026-05-13 13:22 | 2026-05-29 11:43 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received May 15th statement confirm April payment paid timely - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. Please see the updated statement, which shows both 04/01 payment and 05/01 payment made on time. - Seller-05/27/2026 <br> Counter-Received confirmation April payment made for xxxxxx and xxxxxx. Received statement for xxxxxx reflecting 1 past due payment. Provide confirmation account is current and confirm if 1x30 as borrower housing already reflects max 1x30 7/25. - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/26/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending for housing. <br> - Due Diligence Vendor-05/13/2026 | Ready for Review-Document Uploaded. Please see the updated statement, which shows both 04/01 payment and 05/01 payment made on time. - Seller-05/27/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/26/2026<br>| Resolved-Received May 15th statement confirm April payment paid timely - Due Diligence Vendor-05/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865593 | xxxxxx C B A | Closed | xxxxxx | 2026-05-13 13:12 | 2026-05-29 11:41 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received updated May 15th statement confirm April payment made. - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. Please see the updated statement, which shows both 04/01 payment and 05/01 payment made on time. - Seller-05/27/2026 <br> Counter-Received confirmation April payment made for xxxxxx and xxxxxx. Received statement for xxxxxx reflecting 1 past due payment. Provide confirmation account is current and confirm if 1x30 as borrower housing already reflects max 1x30 7/25. - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-05/26/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Loan closed and disbursed in xxxxxx. Missing evidence of timely April mortgage payment for REO xxxxxx (NR \*\*42), REO xxxxxx (and xxxxxx \*\*93), and REO xxxxxx (xxxxxx \*\*74). - Due Diligence Vendor-05/13/2026 | Ready for Review-Document Uploaded. Please see the updated statement, which shows both 04/01 payment and 05/01 payment made on time. - Seller-05/27/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-05/26/2026<br>| Resolved-Received updated May 15th statement confirm April payment made. - Due Diligence Vendor-05/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865593 | xxxxxx C B A | Closed | xxxxxx | 2026-05-13 11:40 | 2026-05-27 13:02 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received email confirmation from Title that Item 25 was removed from Final Title. - Due Diligence Vendor-05/22/2026 <br>Ready for Review-Document Uploaded. Title confirmed exception #25 has been removed from the final policy. - Seller-05/20/2026 <br>Open-Property Title Issue Missing clarification from title specifying what the environmental constraint (#25) is, how it impacts the subject, and whether this will remain an exception on the lender's policy. Additional findings may apply. - Due Diligence Vendor-05/13/2026 | Ready for Review-Document Uploaded. Title confirmed exception #25 has been removed from the final policy. - Seller-05/20/2026<br>| Resolved-Received email confirmation from Title that Item 25 was removed from Final Title. - Due Diligence Vendor-05/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865593 | xxxxxx C B A | Closed | xxxxxx | 2026-05-13 11:40 | 2026-05-27 13:02 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received authorization to sign for all parties. - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. Please see attached additional documentation. - Seller-05/26/2026 <br> Counter-Received Agreement of Merger between xxxxxx. Missing evidence that both xxxxxx are both authorized representatives of xxxxxx and that xxxxxx is xxxxxx. Additional findings may apply - Due Diligence Vendor-05/26/2026 <br> Ready for Review-Document Uploaded. Additional entity documentation uploaded for review evidencing relationship between related entities and authorized signers/officers. Kindly re-review and advise if anything further is needed. xxxxxx. - Seller-05/22/2026 <br> Counter-Received Minutes of Action confirming xxxxxx are authorized signers. Missing evidence that both xxxxxx are both authorized representatives of xxxxxx and that xxxxxx is xxxxxx. Additional findings may apply - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. Kindly see attached. - Seller-05/20/2026 <br> Open-Vested Owner Signature Requirement Not met. xxxxxx was owner of record per title and were the Grantor who deeded the subject to our borrowers at closing. Per purchase agreement the Seller is also this entity. However, on various contact documents xxxxxx is shown as the Seller and were executed under the LP as the Seller. Entity docs provided show xxxxxx, Inc was merged into xxxxxx and that xxxxxx is an authorized representative of xxxxxx. xxxxxx signed for both Seller entities on the contract. xxxxxx signed for both Seller entities on escrow/closing docs. Missing evidence that both xxxxxx are both authorized representatives of xxxxxx and xxxxxx and that xxxxxx. Additional findings may apply. - Due Diligence Vendor-05/13/2026 | Ready for Review-Document Uploaded. Please see attached additional documentation. - Seller-05/26/2026 <br>Ready for Review-Document Uploaded. Additional entity documentation uploaded for review evidencing relationship between related entities and authorized signers/officers. Kindly re-review and advise if anything further is needed. xxxxxx. - Seller-05/22/2026 <br>Ready for Review-Document Uploaded. Kindly see attached. - Seller-05/20/2026<br>| Resolved-Received authorization to sign for all parties. - Due Diligence Vendor-05/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865593 | xxxxxx C B A | Closed | xxxxxx | 2026-05-08 16:16 | 2026-05-08 19:13 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/08/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 865595 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 865597 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865602 | xxxxxx B A | Closed | xxxxxx | 2026-05-20 20:56 | 2026-06-03 12:34 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.236% is within allowable threshold of APOR of 6.3% + 1.75% or 8.05%. - Due Diligence Vendor-05/26/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.236% is within allowable threshold of APOR of 6.3% + 1.75% or 8.05%. - Due Diligence Vendor-05/21/2026 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.236% is within allowable threshold of APOR of 6.3% + 1.75% or 8.05%. - Due Diligence Vendor-05/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 809<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.24<br>LTV is less than guideline maximum - Required is 80 Borrower has 67.92 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865603 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 865604 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 865605 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865606 | xxxxxx C A | Closed | xxxxxx | 2026-04-23 21:54 | 2026-04-28 09:36 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received complete HOI policy confirming sufficient coverage. - Due Diligence Vendor-04/28/2026 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Missing HOI with coverage amount, additional findings may apply. - Due Diligence Vendor-04/24/2026 |  | Resolved-Received complete HOI policy confirming sufficient coverage. - Due Diligence Vendor-04/28/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.47<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 788 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865607 | xxxxxx C A | Closed | xxxxxx | 2026-04-23 15:40 | 2026-04-28 09:31 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received amended 1003 and 1008 to mirror PCCD removing $200 other fee. - Due Diligence Vendor-04/28/2026 <br>Open-Other payment of $200 listed on final 1008 and 1003 but no supporting documents. Missing supporting documents to verify what this payment is. - Due Diligence Vendor-04/23/2026 |  | Resolved-Received amended 1003 and 1008 to mirror PCCD removing $200 other fee. - Due Diligence Vendor-04/28/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 794 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865608 | xxxxxx D A | Closed | xxxxxx | 2026-05-06 09:30 | 2026-05-07 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received final 1008/Approval - Due Diligence Vendor-05/07/2026 <br>Ready for Review-Document Uploaded. - Seller-05/06/2026 <br>Open-Missing Approval/Underwriting Summary Missing 1008 or Approval - Due Diligence Vendor-05/06/2026 | Ready for Review-Document Uploaded. - Seller-05/06/2026<br>| Resolved-Received final 1008/Approval - Due Diligence Vendor-05/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 809<br>LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.24 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865623 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 865624 | xxxxxx D A | Closed | xxxxxx | 2026-04-07 15:22 | 2026-04-24 13:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Taxes and insurance were provided for property xxxxxx. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-04/23/2026 <br> Counter-Received rebuttal no VOM required. Missing PITIA validation for property xxxxxx. Please provide mtg statement, confirmation no HOA and if not escrowed validate HOI and RE Taxes. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-<br>This mtg liability was not reporting on credit, so we do not need a VOM per our guidelines. - Seller-04/15/2026 <br> Open-REO xxxxxx - mortgage statement verifying payment is escrowed not provided, also HOA dues if applicable not provided - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. see attached - Seller-04/23/2026 <br>Ready for Review-<br>This mtg liability was not reporting on credit, so we do not need a VOM per our guidelines. - Seller-04/15/2026<br>| Resolved-Taxes and insurance were provided for property xxxxxx. - Due Diligence Vendor-04/24/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.49<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 748 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865624 | xxxxxx D A | Closed | xxxxxx | 2026-04-08 15:49 | 2026-04-21 10:51 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Upon further review, CR dated 4/9 is acceptable - Due Diligence Vendor-04/21/2026 <br> Ready for Review-we know that the credit report at time of closing was expired, which is why we ordered another one and uploaded it. - Seller-04/20/2026 <br> Counter-Received Credit report dated 4/9 after note date of xxxxxx. Credit report document a credit pull dated 3/30/26. Lender to provide CBR prior to Note date. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. See update credit report<br> - Seller-04/10/2026 <br> Ready for Review-Document Uploaded. See update credit report - Seller-04/10/2026 <br> Open-Per guidelines 5.2.1, all credit documentation, including the credit report, may not be more than 90 days old at the time of closing. - Due Diligence Vendor-04/08/2026 | Ready for Review-we know that the credit report at time of closing was expired, which is why we ordered another one and uploaded it. - Seller-04/20/2026 <br>Ready for Review-Document Uploaded. See update credit report<br> - Seller-04/10/2026 <br>Ready for Review-Document Uploaded. See update credit report - Seller-04/10/2026<br>| Resolved-Upon further review, CR dated 4/9 is acceptable - Due Diligence Vendor-04/21/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.49<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 748 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865624 | xxxxxx D A | Closed | xxxxxx | 2026-04-08 15:59 | 2026-04-16 15:24 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received updated statements - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. see attached, Ending balance as of 3/31/2026 = $1,041,664.88 - Seller-04/15/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Per guideline 7.1, assets- 30 days at submission up 90 days at closing. The assets are expired. - Due Diligence Vendor-04/08/2026 | Ready for Review-Document Uploaded. see attached, Ending balance as of 3/31/2026 = $1,041,664.88 - Seller-04/15/2026 | Resolved-Received updated statements - Due Diligence Vendor-04/16/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.49<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 748 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865625 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 865626 | xxxxxx C B A | Closed | xxxxxx | 2026-04-09 10:34 | 2026-04-16 11:36 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. Please see CD with Check xxxxxx - Seller-04/15/2026 <br> Counter-Received PCCD xxxxxx and LOE. Please provide a copy of the check and the shipping label. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Attached, please find the CD and LOE for this. - Seller-04/13/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $521.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $521.00 Discount Fees without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $521.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Please see CD with Check xxxxxx - Seller-04/15/2026 <br> Ready for Review-Document Uploaded. Attached, please find the CD and LOE for this. - Seller-04/13/2026 | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-04/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 600 Borrower has 735<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.88 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865629 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 865634 | xxxxxx D A C | Closed | xxxxxx | 2026-04-15 10:38 | 2026-06-08 17:37 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Document Uploaded. The loan is escrowed - Seller-04/16/2026 <br>Ready for Review-Document Uploaded. Please see payment letter the loan is Escrowed - Seller-04/16/2026 | Ready for Review-Document Uploaded. The loan is escrowed - Seller-04/16/2026 <br>Ready for Review-Document Uploaded. Please see payment letter the loan is Escrowed - Seller-04/16/2026<br>| Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 69.95<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865634 | xxxxxx D A C | Closed | xxxxxx | 2026-04-17 14:51 | 2026-05-06 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI/Taxes/HOA for properties listed in finding. xxxxxx per search provided - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. I have attached a former MLS listing posted on xxxxxx that shows the same property as both xxxxxx. <br>- Seller-05/04/2026 <br> Counter-Per lender xxxxxx is same property as xxxxxx (city changed street name). Please provide confirmation xxxxxx was xxxxxx. Review will accept USPS Address validation. Property profile provided does not document address change. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. xxxxxx was xxxxxx. The city renamed the Street to xxxxxx. (Combined $2,918.68/mth)<br>$1,342.57/month (HELOC)<br>$1,257.50/12 = $104.79/mth (HOI)<br>xxxxxx/12 = xxxxxx/mth (tax)<br>$1,076.29/mth (HOA)<br>Property xxxxxx (xxxxxx) is vacant land there is therefore no hazard insurance.<br>$5,153.44/12 = $429.45/mth<br>Property xxxxxx (xxxxxx) (already referenced above)<br> - Seller-04/29/2026 <br> Open-1. Missing verification of taxes for property xxxxxx on borrower 2 1003.<br> 2. Missing verification of insurance for property xxxxxx on borrower 2 1003.<br> 3. Missing verification of taxes and HOA for property at xxxxxx which is not listed on a final 1003. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. I have attached a former MLS listing posted on xxxxxx that shows the same property as both xxxxxx. <br>- Seller-05/04/2026 <br> Ready for Review-Document Uploaded. xxxxxx. The city renamed the Street to xxxxxx. (Combined $2,918.68/mth)<br>$1,342.57/month (HELOC)<br>$1,257.50/12 = $104.79/mth (HOI)<br>xxxxxx/12 = xxxxxx/mth (tax)<br>$1,076.29/mth (HOA)<br>Property xxxxxx (xxxxxx) is vacant land there is therefore no hazard insurance.<br>$5,153.44/12 = $429.45/mth<br>Property xxxxxx (xxxxxx) (already referenced above)<br> - Seller-04/29/2026 | Resolved-Received HOI/Taxes/HOA for properties listed in finding. xxxxxx per search provided - Due Diligence Vendor-05/06/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 69.95<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865634 | xxxxxx D A C | Closed | xxxxxx | 2026-05-01 12:48 | 2026-05-06 10:19 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received corrected 1003 for all borrowers - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. see attached 1003's - Seller-05/04/2026 <br> Open-B1 1003- Please remove xxxxxx from schedule of real estate. This home belongs to B2/B3 as their primary- B1 xxxxxx has no ownership interest per the Property Profile.<br>B3 1003- Please update Primary Residence as xxxxxx. B2/B3 have resided in this property for 30 years. 1003 currently reflects B3 owned/resided at B1s departure residence as her primary. <br> - Due Diligence Vendor-05/01/2026 | Ready for Review-Document Uploaded. see attached 1003's - Seller-05/04/2026<br>| Resolved-Received corrected 1003 for all borrowers - Due Diligence Vendor-05/06/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 69.95<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865634 | xxxxxx D A C | Closed | xxxxxx | 2026-04-16 11:33 | 2026-05-01 12:44 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-2 mtgs reporting on B2/B3's credit. xxxxxx: Although a mtg stmt was not provided- able to match this lien to non occupying co-brws primary residence of xxxxxx by matching the open date and credit limit of HELOC to the lien history reflected on the property profile report for this REO. xxxxxx: Secured to B2/B3s second home- xxxxxx- Mtg stmt in file. - Due Diligence Vendor-05/01/2026 <br> Counter-Please provide mortgage statement for 1st lien xxxxxx and 2nd HELOC confirming PITIA for xxxxxx. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-The follow have been added to 1003 documentation attached:<br>xxxxxx (Combined = $2,883.84)<br>xxxxxx 255,492 $1,452/mth (Heloc)<br>xxxxxx/12 = xxxxxx/mth (taxes)<br>$6,951.50/12 = $579.29/mth (HOI) <br>- Seller-04/29/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Co-borrowers Credit report reflects a HELOC mortgage but final 1003 does not associate what property this HELOC belongs too. Need HELOC debt added into DTI. - Due Diligence Vendor-04/16/2026 | Ready for Review-The follow have been added to 1003 documentation attached:<br>xxxxxx (Combined = $2,883.84)<br>xxxxxx 255,492 $1,452/mth (Heloc)<br>xxxxxx/12 = xxxxxx/mth (taxes)<br>$6,951.50/12 = $579.29/mth (HOI) <br>- Seller-04/29/2026 | Resolved-2 mtgs reporting on B2/B3's credit. xxxxxx: Although a mtg stmt was not provided- able to match this lien to non occupying co-brws primary residence of xxxxxx by matching the open date and credit limit of HELOC to the lien history reflected on the property profile report for this REO. xxxxxx: Secured to B2/B3s second home- xxxxxx- Mtg stmt in file. - Due Diligence Vendor-05/01/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 69.95<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865634 | xxxxxx D A C | Closed | xxxxxx | 2026-04-16 11:10 | 2026-05-01 12:39 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-QM status validated- housing payments have been verified for all REO and verification of assets used for closing have been documented. - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. <br> The only remaining property is the subject property xxxxxx - full PITIA ($6,223.04) has been documented and included in DTI calculation.<br> - Seller-04/29/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. We are missing verified funds from sale of borrowers primary residence and we are missing HOI, Taxes and HOA for properties listed on REO section of Co-borrowers 1003. (No info for HOI, Taxes or HOA are listed on 1003.) - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. <br> The only remaining property is the subject property xxxxxx - full PITIA ($6,223.04) has been documented and included in DTI calculation.<br> - Seller-04/29/2026 | Resolved-QM status validated- housing payments have been verified for all REO and verification of assets used for closing have been documented. - Due Diligence Vendor-05/01/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 69.95<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865634 | xxxxxx D A C | Closed | xxxxxx | 2026-04-16 09:09 | 2026-05-01 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-B1s income is not needed to qualify- Removing W2 wages (and only including B2/B3s bank stmt income)- results in a DTI of 18%- well within guideline max of 43%. - Due Diligence Vendor-05/01/2026 <br> Counter-Received pay statement and W2. Missing WVOE confirming salary and commission break out. Pay statement does not provide sufficient documentation regarding base pay. Required to meet guidelines 8.1.1 and must meet 8.4.10 - Due Diligence Vendor-04/30/2026 <br> Ready for Review-<br> For this one our guidelines do not require a WVOE for commission income, we require a ytd paystub (in file) and only that income be averaged over a 1 or 2 year period depending on documentation type.<br>For B1 W2 2025 was provided verifying $84,595.99/12 = $7, 0498.67/month. We only used $6,794.61/month as qualifying income. No further documentation is required per xxxxxx guidelines.<br> - Seller-04/29/2026 <br> Counter-Finding remains. WVOE is not attached per original finding - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. We did not use his commission Income see Phone VOE, w2 and Paystub - Seller-04/17/2026 <br> Open-Borrower 1 WVOE Missing Missing Written VOE for borrower breaking out all income (base and commission) to determine income to qualify. <br> WVOE must be completed by a third party (as parents own company) - Due Diligence Vendor-04/16/2026 | Ready for Review-<br> For this one our guidelines do not require a WVOE for commission income, we require a ytd paystub (in file) and only that income be averaged over a 1 or 2 year period depending on documentation type.<br>For B1 W2 2025 was provided verifying $84,595.99/12 = $7, 0498.67/month. We only used $6,794.61/month as qualifying income. No further documentation is required per xxxxxx guidelines.<br> - Seller-04/29/2026 <br> Ready for Review-Document Uploaded. We did not use his commission Income see Phone VOE, w2 and Paystub - Seller-04/17/2026 | Resolved-B1s income is not needed to qualify- Removing W2 wages (and only including B2/B3s bank stmt income)- results in a DTI of 18%- well within guideline max of 43%. - Due Diligence Vendor-05/01/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 69.95<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865634 | xxxxxx D A C | Closed | xxxxxx | 2026-04-16 10:50 | 2026-04-27 12:41 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received assignment of funds, partially completed as names on CD do not match assignment of funds. Gave borrower credit 1/3 of proceeds, now has sufficient funds. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. Please see the Assignment of Funds - Seller-04/24/2026 <br> Counter-Received executed seller CD however there are 3 sellers for the property and 2 are not on subject loan. Would only be able to give credit for 1/3 of the profit from sale - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Please see signed Seller's CD - Seller-04/17/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing fully executed final CD for sale of xxxxxx showing net asset received and payoff of current mortgage. - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. Please see the Assignment of Funds - Seller-04/24/2026 <br>Ready for Review-Document Uploaded. Please see signed Seller's CD - Seller-04/17/2026<br>| Resolved-Received assignment of funds, partially completed as names on CD do not match assignment of funds. Gave borrower credit 1/3 of proceeds, now has sufficient funds. - Due Diligence Vendor-04/27/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 69.95<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865634 | xxxxxx D A C | Closed | xxxxxx | 2026-04-16 09:09 | 2026-04-23 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received pre close VVOE for B1 - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. Please see signed VOE - Seller-04/21/2026 <br> Counter-Document provided is not signed/dated by person completing the VVOE - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. See attached Telephone Certificate of Employment - Seller-04/17/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing third party Verbal VOE 10 days prior to closing - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. Please see signed VOE - Seller-04/21/2026 <br>Ready for Review-Document Uploaded. See attached Telephone Certificate of Employment - Seller-04/17/2026<br>| Resolved-Received pre close VVOE for B1 - Due Diligence Vendor-04/23/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 69.95<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865634 | xxxxxx D A C | Closed | xxxxxx | 2026-04-16 09:09 | 2026-04-20 14:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 3 3rd Party VOE Prior to Close Missing | Resolved-Received SOS for business which is dated within 10 days of Note and shows Active - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. See attached VOE - DATE 04/01/2026 Business is Active - Seller-04/17/2026 <br> Open-Borrower 3 3rd Party VOE Prior to Close Missing Verbal VOE is required 10 day prior to closing (docs in file did not show date and verify business is active and in good standing) - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. See attached VOE - DATE 04/01/2026 Business is Active - Seller-04/17/2026<br>| Resolved-Received SOS for business which is dated within 10 days of Note and shows Active - Due Diligence Vendor-04/20/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 69.95<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865634 | xxxxxx D A C | Closed | xxxxxx | 2026-04-16 09:09 | 2026-04-20 14:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received SOS for business which is dated within 10 days of Note and shows Active - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. See attached VOE - DATE 04/01/2026 Business is Active - Seller-04/17/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Verbal VOE is required 10 day prior to closing (docs in file did not show date and verify business is active and in good standing) - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. See attached VOE - DATE 04/01/2026 Business is Active - Seller-04/17/2026<br>| Resolved-Received SOS for business which is dated within 10 days of Note and shows Active - Due Diligence Vendor-04/20/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 69.95<br>Qualifying DTI below maximum allowed - Required is 43 Borrower has 14.12 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865635 | xxxxxx C A | Closed | xxxxxx | 2026-04-12 21:17 | 2026-04-17 09:17 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Received signed CD finding resolved. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. the file did not require a waiting period because this was a betterment to the borrower for a decrease in the APR. - Seller-04/16/2026 <br> Counter-The xxxxxx shows CD was sent, not received by the borrower. APR still changed without waiting period of 3 days before closing. Finding Remains. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. PLEASE SEE ATTCHED CD sent to borrower. look at the last page to view the borrower consented and received. - Seller-04/15/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. ---- The APR of 8.466% on CD xxxxxx changed to 7.438% on final CD xxxxxx without a new three day waiting period. <br> Statute of Limitations is 3 years. Expiration xxxxxx.<br>- Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. the file did not require a waiting period because this was a betterment to the borrower for a decrease in the APR. - Seller-04/16/2026 <br>Ready for Review-Document Uploaded. PLEASE SEE ATTCHED CD sent to borrower. look at the last page to view the borrower consented and received. - Seller-04/15/2026<br>| Resolved-Received signed CD finding resolved. - Due Diligence Vendor-04/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 738 is higher than the required 700 Required is 700 Borrower has 738<br>Qualifying DTI below maximum allowed - DTI 17.27% is lower than allowable 50% Required is 50 Borrower has 17.3<br>LTV is less than guideline maximum - LTV 80% is lower than maximum 90% Required is 90 Borrower has 80 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865639 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 865640 | xxxxxx D A C | Closed | xxxxxx | 2026-04-14 13:22 | 2026-06-08 17:41 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/14/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.7<br>Verified employment history exceeds guidelines - Borrower self employed > 6 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865640 | xxxxxx D A C | Closed | xxxxxx | 2026-04-15 11:07 | 2026-04-20 15:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received a copy of the employment authorization card with the issue date and expiration date. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-The guideline does not require a copy of the back of the EAD card. - Seller-04/16/2026 <br> Counter-Received front copy of EAD. Please provide back page of EAD card. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. See passport and work permit - Seller-04/15/2026 <br> Open-Borrower Citizenship Documentation Is Missing Provide back of the EAD card. Additional conditions may apply. - Due Diligence Vendor-04/15/2026 | Ready for Review-The guideline does not require a copy of the back of the EAD card. - Seller-04/16/2026 <br>Ready for Review-Document Uploaded. See passport and work permit - Seller-04/15/2026<br>| Resolved-Received a copy of the employment authorization card with the issue date and expiration date. - Due Diligence Vendor-04/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.7<br>Verified employment history exceeds guidelines - Borrower self employed > 6 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865640 | xxxxxx D A C | Closed | xxxxxx | 2026-04-15 08:26 | 2026-04-16 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received mortgage statement confirming escrows included and LOE for no HOA. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. Please see attached Mortgage Statement with Escrow account for Taxes and insurance xxxxxx and the LOE No HOA - Seller-04/15/2026 <br> Open-Provide evidence taxes and insurance are included in departing residence payment of $7,153 as listed on credit report. Additional findings may apply. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Please see attached Mortgage Statement with Escrow account for Taxes and insurance xxxxxx and the LOE No HOA - Seller-04/15/2026 | Resolved-Received mortgage statement confirming escrows included and LOE for no HOA. - Due Diligence Vendor-04/16/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.7<br>Verified employment history exceeds guidelines - Borrower self employed > 6 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865641 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865642 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 865645 | xxxxxx D B A | Closed | xxxxxx | 2026-04-17 17:14 | 2026-05-05 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved-Received complete decree and confirmation child support due to expire in less than 10 months and spousal reduces to xxxxxx at that time. - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-05/04/2026 <br> Counter-Received select pages to divorce decree, please provide all pages for review. Other conditions may apply - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. See attached child support order which outlined the reduction/ dates etc. see highlighted section of the divorce settlement stating that Borrower was required to pay xxxxxx a month until June 2026, at which time it's reduced to xxxxxx per mo. Which we are already including in the DTI. - Seller-04/24/2026 <br> Open-Divorce decree or spousal & alimony support order not found in file. Borrower obligation per 1003. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. see attached - Seller-05/04/2026 <br> Ready for Review-Document Uploaded. See attached child support order which outlined the reduction/ dates etc. see highlighted section of the divorce settlement stating that Borrower was required to pay xxxxxx a month until June 2026, at which time it's reduced to xxxxxx per mo. Which we are already including in the DTI. - Seller-04/24/2026 | Resolved-Received complete decree and confirmation child support due to expire in less than 10 months and spousal reduces to xxxxxx at that time. - Due Diligence Vendor-05/05/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 783 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865645 | xxxxxx D B A | Closed | xxxxxx | 2026-04-17 23:05 | 2026-04-27 14:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received copy Final 1003. 2 yr housing history on continuation sheet. Finding Resolved. - Due Diligence Vendor-04/27/2026 <br>Ready for Review-Document Uploaded. see attached URLA, look on page 11 , the borrowers lived at the same pervious address for 48 months. for B2 previous address look on page 22 of the URLA. - Seller-04/27/2026 <br>Open-The Final 1003 is Incomplete Missing full 2-year housing history on the loan application for both borrowers. - Due Diligence Vendor-04/18/2026 | Ready for Review-Document Uploaded. see attached URLA, look on page 11 , the borrowers lived at the same pervious address for 48 months. for B2 previous address look on page 22 of the URLA. - Seller-04/27/2026<br>| Resolved-Received copy Final 1003. 2 yr housing history on continuation sheet. Finding Resolved. - Due Diligence Vendor-04/27/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 783 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865645 | xxxxxx D B A | Closed | xxxxxx | 2026-04-17 16:59 | 2026-04-27 13:15 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, inquiries are not required per GL - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. please see attached clear fraud. we do not require LOX for credit inquiries. for credit inquiries please refer to the UDM on page 40 of the attached document. - Seller-04/24/2026 <br> Open-LOX for credit inquiries is missing. LOX for borrower inquiry not found in file for 1/21/26 - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. please see attached clear fraud. we do not require LOX for credit inquiries. for credit inquiries please refer to the UDM on page 40 of the attached document. - Seller-04/24/2026 | Resolved-Upon further review, inquiries are not required per GL - Due Diligence Vendor-04/27/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 783 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865645 | xxxxxx D B A | Closed | xxxxxx | 2026-04-17 16:24 | 2026-04-27 09:33 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Loan locked xxxxxx - no 4506-C - Due Diligence Vendor-04/27/2026 <br> Counter-Per prior guidance, 4506 not being required are based on the NOTE date prior to xxxxxx. Note is dated xxxxxx , therefore, the 4506C is a requirement - Due Diligence Vendor-04/22/2026 <br> Ready for Review-We did not require a 4506 when this loan was locked on xxxxxx. this does not apply to this loan. - Seller-04/21/2026 <br> Open-Borrower 2 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-04/18/2026 | Ready for Review-We did not require a 4506 when this loan was locked on xxxxxx. this does not apply to this loan. - Seller-04/21/2026 | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Loan locked xxxxxx - no 4506-C - Due Diligence Vendor-04/27/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 783 | FICO = 783 Min FICO = 640<br> LTV = 80% - Max LTV = 90% | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 865645 | xxxxxx D B A | Closed | xxxxxx | 2026-04-17 16:24 | 2026-04-27 09:33 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Loan locked xxxxxx - no 4506-C - Due Diligence Vendor-04/27/2026 <br> Counter-Per prior guidance, 4506 not being required are based on the NOTE date prior to xxxxxx. Note is dated xxxxxx , therefore, the 4506C is a requirement - Due Diligence Vendor-04/22/2026 <br> Ready for Review-We did not require a 4506 when this loan was locked on xxxxxx. This does not apply to this loan. - Seller-04/21/2026 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-04/18/2026 | Ready for Review-We did not require a 4506 when this loan was locked on xxxxxx. This does not apply to this loan. - Seller-04/21/2026 | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Loan locked xxxxxx - no 4506-C - Due Diligence Vendor-04/27/2026 | LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 783 | FICO = 783 Min FICO = 640<br> LTV = 80% - Max LTV = 90% | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 865646 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 865651 | xxxxxx D B A | Closed | xxxxxx | 2026-04-16 11:01 | 2026-06-09 11:48 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Originator exception granted to allow borrower in the xxxxxx with 12 months bank statements, Non-material waiver applied with comp factors. - Due Diligence Vendor-04/16/2026 <br> Open-Income and Employment Do Not Meet Guidelines Exception in the file for 12 months bank statements with borrower in the xxxxxx. - Due Diligence Vendor-04/16/2026 |  | Waived-Originator exception granted to allow borrower in the xxxxxx with 12 months bank statements, Non-material waiver applied with comp factors. non-material due to FICO and Reserves - Due Diligence Vendor-04/16/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.79<br>Months Reserves exceed minimum required - Borrower has additional 5 months reserves. | FICO 712 and Reserves 8.42 months | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 865651 | xxxxxx D B A | Closed | xxxxxx | 2026-04-16 10:55 | 2026-05-01 13:05 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received check for payment made on 2/12/26 and the bank statement to support the check has cleared the account, also received the payment history from the borrowers account supporting 12 months payments. The payment history recipient and the note in the file reflects the payee is the same. - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. the borrower's name is on the check for the payment of xxxxxx xxxxxx . see attached and this was also provided already - Seller-04/30/2026 <br> Counter-Received payment history for previous 12 months however this history does not reflect our borrower name name or property address. Please provide Note for xxxxxx in order to validate the payments made to xxxxxx are for this property - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED payment history for xxxxxx - Seller-04/28/2026 <br> Counter-VOM for primary provided and payment terms were provided for property located at xxxxxx; Unable to verify the mortgage statements for the property located at xxxxxx, only one payment was made on 3/9/202 via xxxxxx. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. It looks like the amount on the 1003 is incorrect. We have the statement that shows the 12 mo. History and the actual payment amount of $3,720.80 with no 30 day lates. the statement is attached. - Seller-04/22/2026 <br> Counter-Per 1003, monthly payment on primary is $1264 however this amount is not found on the bank statements provided. Please provide VOM for Primary housing history - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. see attached 12 month bank statements from Feb 2025- Feb 2026 - Seller-04/20/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing verification of mortgage for all mortgages for 12 months history. - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. the borrower's name is on the check for the payment of xxxxxx xxxxxx . see attached and this was also provided already - Seller-04/30/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED payment history for xxxxxx - Seller-04/28/2026 <br> Ready for Review-Document Uploaded. It looks like the amount on the 1003 is incorrect. We have the statement that shows the 12 mo. History and the actual payment amount of $3,720.80 with no 30 day lates. the statement is attached. - Seller-04/22/2026 <br> Ready for Review-Document Uploaded. see attached 12 month bank statements from Feb 2025- Feb 2026 - Seller-04/20/2026 | Resolved-Received check for payment made on 2/12/26 and the bank statement to support the check has cleared the account, also received the payment history from the borrowers account supporting 12 months payments. The payment history recipient and the note in the file reflects the payee is the same. - Due Diligence Vendor-05/01/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.79<br>Months Reserves exceed minimum required - Borrower has additional 5 months reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865651 | xxxxxx D B A | Closed | xxxxxx | 2026-04-15 18:29 | 2026-04-24 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Processors certificate was provided. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. please see attached processor cert - Seller-04/23/2026 <br> Counter-Received snip business is active however does not provide source or date. Please provide VVOE, processors cert or complete page and date. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED BUSINESS ENTITY SEARCH SHOWING IN EXISTENCE - Seller-04/21/2026 <br> Counter-Finding remains. Operating agreement provided does not status of business. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. see attached signed operating agreement showing ownership percentage of each borrower. - Seller-04/17/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide Third Party verification of employment or business license. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. please see attached processor cert - Seller-04/23/2026 <br>Ready for Review-Document Uploaded. SEE ATTACHED BUSINESS ENTITY SEARCH SHOWING IN EXISTENCE - Seller-04/21/2026 <br>Ready for Review-Document Uploaded. see attached signed operating agreement showing ownership percentage of each borrower. - Seller-04/17/2026<br>| Resolved-Processors certificate was provided. - Due Diligence Vendor-04/24/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.79<br>Months Reserves exceed minimum required - Borrower has additional 5 months reserves. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865653 | xxxxxx C A | Closed | xxxxxx | 2026-04-17 10:23 | 2026-06-08 17:34 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/17/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865653 | xxxxxx C A | Closed | xxxxxx | 2026-04-17 20:02 | 2026-04-23 14:53 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received corrected appraisal - Due Diligence Vendor-04/23/2026 <br>Ready for Review-Document Uploaded. Please see revised appraisal - Seller-04/22/2026 <br>Open-Borrower name is misspelled on appraisal. Please correct. - Due Diligence Vendor-04/18/2026 | Ready for Review-Document Uploaded. Please see revised appraisal - Seller-04/22/2026<br>| Resolved-Received corrected appraisal - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865655 | xxxxxx C A | Closed | xxxxxx | 2026-04-20 08:39 | 2026-04-27 12:08 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Ex A Legal description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-04/27/2026 <br>Ready for Review-Document Uploaded. Please see email from Escrow and a copy of the unrecorded Mortgage with the Legal - Seller-04/23/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. Please see email from Escrow and a copy of the unrecorded Mortgage with the Legal - Seller-04/23/2026<br>| Resolved-Received Ex A Legal description. There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-04/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 703<br>LTV is less than guideline maximum - Required is 80 Borrower has 62.32<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.76 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865662 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865663 | xxxxxx D B A | Closed | xxxxxx | 2026-04-23 11:47 | 2026-05-01 09:33 | Waived | 1 - Information B | Property | Value | Review Product 1 > 10% OR Review Product 2 > 10% S&P B Grade | Waived-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. - File contains a desk review and BPO the BPO value is more than -10% and was used at time of origination as the value for LTV. - Due Diligence Vendor-04/23/2026 |  | Waived-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. - File contains a desk review and BPO the BPO value is more than -10% and was used at time of origination as the value for LTV. - Due Diligence Vendor-04/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.9<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777<br>LTV is less than guideline maximum - Required is 90 Borrower has 15.17 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 865663 | xxxxxx D B A | Closed | xxxxxx | 2026-04-23 14:33 | 2026-04-27 12:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-CPA letter provided confirms business opened for past 40 years. Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. See attached License and supporting documents per guideline 7.2.4 page 57 and 58 within 10 business days of closings. The loan was funded on xxxxxx - Seller-04/23/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing verification Business is active and in good standing 10 days prior to closing. - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. See attached License and supporting documents per guideline 7.2.4 page 57 and 58 within 10 business days of closings. The loan was funded on 04/17/2026 - Seller-04/23/2026<br>| Resolved-CPA letter provided confirms business opened for past 40 years. Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/27/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.9<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777<br>LTV is less than guideline maximum - Required is 90 Borrower has 15.17 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865665 | xxxxxx C B A | Closed | xxxxxx | 2026-04-21 10:24 | 2026-06-08 17:27 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/21/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764<br>Months Reserves exceed minimum required - Reserves Required 0 Verified 7 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865665 | xxxxxx C B A | Closed | xxxxxx | 2026-04-22 12:53 | 2026-05-06 11:14 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, per GL 5.2.4 Credit Inquiries do not need to be addressed - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Can you please explain exactly what it is that your are asking for? If you are looking for an LOE for credit inquiries, that is no a required guideline per 5.2.4 Inquiries - xxxxxx - Seller-05/05/2026 <br> Counter-Received an LOX however not specific to the inquiry. Please advise if the Inquiry is a result of opening an additional account or something different. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED LOE - Seller-04/23/2026 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-04/22/2026 | Ready for Review-Can you please explain exactly what it is that your are asking for? If you are looking for an LOE for credit inquiries, that is no a required guideline per 5.2.4 Inquiries - xxxxxx - Seller-05/05/2026 <br>Ready for Review-Document Uploaded. SEE ATTACHED LOE - Seller-04/23/2026<br>| Resolved-Upon further review, per GL 5.2.4 Credit Inquiries do not need to be addressed - Due Diligence Vendor-05/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764<br>Months Reserves exceed minimum required - Reserves Required 0 Verified 7 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865665 | xxxxxx C B A | Closed | xxxxxx | 2026-04-21 10:24 | 2026-05-01 13:06 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. Attached, please find the documentation needed to clear this DD finding. - Seller-04/30/2026 <br> Counter-COC only lists interest rate dependent charges, nothing about increase in transfer taxes. Finding Remains. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. please see attached COC - Seller-04/23/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $335.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ---------Zero (0%) tolerance fees increased by $335.00 Transfer Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $335.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. Attached, please find the documentation needed to clear this DD finding. - Seller-04/30/2026 <br>Ready for Review-Document Uploaded. please see attached COC - Seller-04/23/2026<br>| Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-05/01/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764<br>Months Reserves exceed minimum required - Reserves Required 0 Verified 7 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865670 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865674 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865686 | xxxxxx C B A | Closed | xxxxxx | 2026-05-27 16:07 | 2026-06-05 10:49 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance.<br> - Due Diligence Vendor-06/05/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/27/2026 |  | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance.<br> - Due Diligence Vendor-06/05/2026<br>| Credit history exceeds minimum required - 0x30x24<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865686 | xxxxxx C B A | Closed | xxxxxx | 2026-05-29 11:44 | 2026-05-29 14:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/29/2026 <br> Open-Audited Reserves of 5.09 month(s) are less than Guideline Required Reserves of 6 month(s) xxxxxx guidelines require 6 months. A xxxxxx exception was provided. See page 3 of the indexed file. - Due Diligence Vendor-05/29/2026 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/29/2026 | Credit history exceeds minimum required - 0x30x24<br>LTV is less than guideline maximum - Required is 75 Borrower has 70 | xxxxxx requires 3 months. Borrower has been S/E for 8 years. Has lived in the home for 5+ years. 0x20x24 mortgage history. 5% below max LTV. | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 865693 | xxxxxx B A | Closed | xxxxxx | 2026-05-20 11:57 | 2026-05-20 11:57 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/20/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 865708 | xxxxxx C A | Closed | xxxxxx | 2026-05-13 11:16 | 2026-05-14 16:44 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Clear OFAC search provided - Due Diligence Vendor-05/14/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists The non-borrowing title holder was not run through OFAC or exclusionary lists. - Due Diligence Vendor-05/13/2026 |  | Resolved-Clear OFAC search provided - Due Diligence Vendor-05/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 745<br>LTV is less than guideline maximum - Required is 80 Borrower has 65.32<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.01 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865715 | xxxxxx C B A | Closed | xxxxxx | 2026-05-08 13:37 | 2026-05-08 14:35 | Waived | 2 - Non-Material C B | Property | Property Issue | Property Zoning Does Not Meet Program Requirements | Waived-Investor waiver applied to non-material finding with compensating factors. Per appraiser this is typical for the area and does not impact ability to rebuild. - Due Diligence Vendor-05/08/2026 <br> Open-Exception for Property with no zoning (xxxxxx) - Due Diligence Vendor-05/08/2026 |  | Waived-Investor waiver applied to non-material finding with compensating factors. Per appraiser this is typical for the area and does not impact ability to rebuild. - Due Diligence Vendor-05/08/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $14,977.20 of residual income<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.35 | Credit Score 30+ points > minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 865715 | xxxxxx C B A | Closed | xxxxxx | 2026-05-05 16:58 | 2026-05-05 19:44 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $14,977.20 of residual income<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.35 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 865715 | xxxxxx C B A | Closed | xxxxxx | 2026-05-05 16:58 | 2026-05-05 16:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $14,977.20 of residual income<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 791<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.35 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 865738 | xxxxxx D A | Closed | xxxxxx | 2026-05-15 02:09 | 2026-05-21 10:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received final CD for primary. - Due Diligence Vendor-05/21/2026 <br> Open-Provide CD from purchase of new Primary xxxxxx to verify PITIA, additional findings may apply. Audit used the stated amount off the 1003 which may change. - Due Diligence Vendor-05/15/2026 |  | Resolved-Received final CD for primary. - Due Diligence Vendor-05/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 781<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 69.91 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865738 | xxxxxx D A | Closed | xxxxxx | 2026-05-15 00:57 | 2026-05-20 12:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-05/20/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/15/2026 |  | Resolved-Received credit refresh. - Due Diligence Vendor-05/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 781<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 69.91 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865738 | xxxxxx D A | Closed | xxxxxx | 2026-05-15 00:57 | 2026-05-20 12:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-05/20/2026 <br> Open-Borrower 2 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/15/2026 |  | Resolved-Received credit refresh. - Due Diligence Vendor-05/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 781<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 69.91 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865778 | xxxxxx D A C | Closed | xxxxxx | 2026-04-30 11:04 | 2026-05-28 14:37 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received CDA, Primary Property Value is substantiated - Due Diligence Vendor-05/04/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Please provide a secondary valuation product. - Due Diligence Vendor-04/30/2026 |  | Resolved-Received CDA, Primary Property Value is substantiated - Due Diligence Vendor-05/04/2026<br>| Months Reserves exceed minimum required - 53.35 months reserves verified, 3 months required<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 47 Months Required = 12 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865778 | xxxxxx D A C | Closed | xxxxxx | 2026-04-30 10:59 | 2026-05-27 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/27/2026 <br> Open-Missing Evidence of Property Tax Documentation of annual taxes is required. - Due Diligence Vendor-04/30/2026 |  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/27/2026<br>| Months Reserves exceed minimum required - 53.35 months reserves verified, 3 months required<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 47 Months Required = 12 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865785 | xxxxxx C A | Closed | xxxxxx | 2026-04-28 11:51 | 2026-04-30 11:30 | Waived | 3 - Material C | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Waived-Client agrees to accept xxxxxx Finding until SOL expires. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/30/2026 <br> Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the initial closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A post-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. -----Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/28/2026 |  | Waived-Client agrees to accept xxxxxx Finding until SOL expires. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/30/2026 | Months Reserves exceed minimum required - 81.49 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 697 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 865785 | xxxxxx C A | Closed | xxxxxx | 2026-04-28 11:51 | 2026-04-30 11:29 | Waived | 3 - Material C | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Waived-Client agrees to accept xxxxxx Finding until SOL expires. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/30/2026 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ----- Initial CD (xxxxxx) has been issued on the same date as the Final LE (xxxxxx) which is not allowable per applicable statute, must have a one day gap. Per statute, there is no cure for this violation. - Due Diligence Vendor-04/28/2026 |  | Waived-Client agrees to accept xxxxxx Finding until SOL expires. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-04/30/2026 | Months Reserves exceed minimum required - 81.49 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 697 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 865786 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 865825 | xxxxxx C B A | Closed | xxxxxx | 2026-05-21 06:32 | 2026-05-27 09:54 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.031% is within allowable threshold of APOR of 6.3% + 1.75% or 8.05%. - Due Diligence Vendor-05/27/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.031% is within allowable threshold of APOR of 6.3% + 1.75% or 8.05%. - Due Diligence Vendor-05/21/2026 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.031% is within allowable threshold of APOR of 6.3% + 1.75% or 8.05%. - Due Diligence Vendor-05/27/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778 Required is 660 Borrower has 778<br>LTV is less than guideline maximum - Required is 80 Borrower has 65.85 Required is 80 Borrower has 65.85 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865825 | xxxxxx C B A | Closed | xxxxxx | 2026-05-22 15:58 | 2026-05-26 09:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Client exception granted to allow Subject property is a legal xxxxxx unit with a non-permitted xxxxxx unit, non-material waiver applied with comp factors. No value was given to xxxxxx unit. xxxxxx unit photos reflect workman-like professional finishes and per appraisal no functional obsolescence. Appraiser confirmed xxxxxx unit is occupied, though no rental income was used to qualify. - Due Diligence Vendor-05/26/2026 <br> Open-xxxxxx unit is unpermitted. An exception was provided on page 1426 - Due Diligence Vendor-05/22/2026 |  | Waived-Client exception granted to allow Subject property is a legal xxxxxx with a non-permitted xxxxxx, non-material waiver applied with comp factors. No value was given to xxxxxx. xxxxxx unit photos reflect workman-like professional finishes and per appraisal no functional obsolescence. Appraiser confirmed xxxxxxunit is occupied, though no rental income was used to qualify. - Due Diligence Vendor-05/26/2026  | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 778 Required is 660 Borrower has 778<br>LTV is less than guideline maximum - Required is 80 Borrower has 65.85 Required is 80 Borrower has 65.85 | Residual income more than 2.5x the amount required by guidelines<br> Self-employed for > 10 years<br> Reserves exceed requirement by 2 months or more<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 865829 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 865903 | xxxxxx B A | Closed | xxxxxx | 2026-04-30 11:01 | 2026-05-05 08:36 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 and 1003 - Due Diligence Vendor-05/05/2026 <br> Open-Missing Approval/Underwriting Summary Missing 1008 and or lenders approval - Due Diligence Vendor-04/30/2026 |  | Resolved-Received 1008 and 1003 - Due Diligence Vendor-05/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 787 is higher than the required 660 Required is 660 Borrower has 787<br>Qualifying DTI below maximum allowed - DTI 42.04% is lower than allowable 50% Required is 50 Borrower has 42.04 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865905 | xxxxxx C A | Closed | xxxxxx | 2026-04-30 17:22 | 2026-05-05 11:11 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Document Uploaded. Client acknowledges the prepayment penalty discrepancy. - Due Diligence Vendor-05/05/2026 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '0' Diligence value '36'. Per PPP Addendum - Due Diligence Vendor-04/30/2026 |  | Resolved-Document Uploaded. Client acknowledges the prepayment penalty discrepancy. - Due Diligence Vendor-05/05/2026 | On time mortgage history exceeds guideline requirement - <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 737 Required is 700 Borrower has 737 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865908 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 865913 | xxxxxx C A B | Closed | xxxxxx | 2026-05-16 20:01 | 2026-05-22 11:46 | Resolved | 1 - Information C A | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Resolved-Received CDA that supports value - Due Diligence Vendor-05/22/2026 <br> Open-LCA score is over 2.5. Only one score is required, if both scores (CU and LCA) are provided then both must be <= 2.5. CDA is required. - Due Diligence Vendor-05/17/2026 |  | Resolved-Received CDA that supports value - Due Diligence Vendor-05/22/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.98<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865913 | xxxxxx C A B | Closed | xxxxxx | 2026-05-13 13:45 | 2026-05-18 12:18 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.232% is within allowable threshold of APOR of 6.26% + 1.75% or 8.01%. - Due Diligence Vendor-05/18/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.232% is within allowable threshold of APOR of 6.26% + 1.75% or 8.01%. - Due Diligence Vendor-05/13/2026 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.232% is within allowable threshold of APOR of 6.26% + 1.75% or 8.01%. - Due Diligence Vendor-05/18/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.98<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 798 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865946 | xxxxxx C A | Closed | xxxxxx | 2026-05-11 15:39 | 2026-05-18 10:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Ex A, legal description, There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/18/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal description is missing from mortgage. - Due Diligence Vendor-05/11/2026 |  | Resolved-Received Ex A, legal description, There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-05/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 720; Borrower has771.<br> Required is 720 Borrower has 771<br>Months Reserves exceed minimum required - 12 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865946 | xxxxxx C A | Closed | xxxxxx | 2026-05-11 16:20 | 2026-05-14 08:49 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Property Detail for primary residence and reflects F&C. Per GL, housing history is not required for Investment property. GL require housing history for primary and subject if refi. - Due Diligence Vendor-05/14/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Please provide proof primary and investment property listed on 1003 are both free and clear. Primary address is xxxxxx and the Investment is located at xxxxxx. No property report provided. Upon receipt additional conditions may apply. - Due Diligence Vendor-05/11/2026 |  | Resolved-Received Property Detail for primary residence and reflects F&C. Per GL, housing history is not required for Investment property. GL require housing history for primary and subject if refi. - Due Diligence Vendor-05/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 720; Borrower has771.<br> Required is 720 Borrower has 771<br>Months Reserves exceed minimum required - 12 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865972 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 865977 | xxxxxx C A | Closed | xxxxxx | 2026-05-12 14:47 | 2026-05-15 09:32 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM for REO xxxxxx, Housing History Meets Guideline Requirements - Due Diligence Vendor-05/15/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOM for property xxxxxx. Mortgage has been active since xxxxxx and only the March 2026 pay history is provided. - Due Diligence Vendor-05/12/2026 |  | Resolved-Received VOM for REO xxxxxx, Housing History Meets Guideline Requirements - Due Diligence Vendor-05/15/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865986 | xxxxxx C B A | Closed | xxxxxx | 2026-05-20 14:04 | 2026-06-09 11:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Client exception granted, waiver applied with comp factors. deemed non-material due to delayed financing per purchase settlement statement in file.<br> - Due Diligence Vendor-05/26/2026 <br> Open-Appraiser lists the subject as vacant however the house appears to be a short term rental based on the xxxxxx. Long term 1007 is not allowed to be used for qualifying income calculation which is what was used at 100% with no deduction (80% is required). Additionally, all transactions require a lease agreement and none was provided which further indicates this is a short term rental. - Due Diligence Vendor-05/20/2026 |  | Waived-Client exception granted, waiver applied with comp factors. deemed non-material due to delayed financing per purchase settlement statement in file.<br> - Due Diligence Vendor-05/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 865986 | xxxxxx C B A | Closed | xxxxxx | 2026-05-20 06:06 | 2026-05-26 12:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Client exception granted, waiver applied with comp factors, Allow < 1.0 DSCR for FTI (.91). deemed non-material due to delayed financing per purchase settlement statement in file. - Due Diligence Vendor-05/26/2026 <br> Open-The Calculated DSCR of '0.915' is less than the minimum DSCR per lender guidelines of '1'. Borrower has owned property less than one year, first time investor requires DSCR of 1-Note: Exception in file for this finding will not be considered for waiver until the other finding regarding the short term rental is addressed which could further lower the DSCR. - Due Diligence Vendor-05/20/2026 |  | Waived-Client exception granted, waiver applied with comp factors, Allow < 1.0 DSCR for FTI (.91). deemed non-material due to delayed financing per purchase settlement statement in file. - Due Diligence Vendor-05/26/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 | Credit Score 30+ points > minimum required<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 865986 | xxxxxx C B A | Closed | xxxxxx | 2026-05-20 13:47 | 2026-05-20 14:07 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client exception granted to allow treat loan as rate/term for delayed financing. Non-material waiver applied with comp factors. - Due Diligence Vendor-05/20/2026 <br> Open-Cash Out Does Not Meet Guideline Requirements Loan treated as rate/term refi for delayed financing, guidelines state to treat as a cash out. - Due Diligence Vendor-05/20/2026 |  | Waived-Client exception granted to allow treat loan as rate/term for delayed financing. Non-material waiver applied with comp factors. - Due Diligence Vendor-05/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 798<br>LTV is less than guideline maximum - Required is 75 Borrower has 65 | Credit Score 30+ points > minimum required<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 865997 | xxxxxx B A | Closed | xxxxxx | 2026-05-13 12:43 | 2026-05-13 15:54 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H9 (Same Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'No'). ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 | Months Reserves exceed minimum required - 22 months reserves documented, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 763 Required is 680 Borrower has 763 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 866007 | xxxxxx B A | Closed | xxxxxx | 2026-05-13 14:38 | 2026-05-13 14:38 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). Client waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.23 Required is 50 Borrower has 41.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 707 Required is 660 Borrower has 707 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 866016 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866019 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 866020 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866022 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 866029 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866037 | xxxxxx B A | Closed | xxxxxx | 2026-05-27 15:37 | 2026-05-27 15:37 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/27/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/27/2026<br>| Months Reserves exceed minimum required - 22.28 months reserves exceed required 4 by 18.28 months<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 800 is higher than the required 680 Required is 680 Borrower has 800 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 866038 | xxxxxx C A | Closed | xxxxxx | 2026-05-20 14:23 | 2026-05-28 15:44 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Disbursement date per PCCD xxxxxx - Due Diligence Vendor-05/28/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement date xxxxxx per CD. Additional findings may apply. - Due Diligence Vendor-05/20/2026 |  | Resolved-Disbursement date per PCCD xxxxxx - Due Diligence Vendor-05/28/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.17<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 727 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866038 | xxxxxx C A | Closed | xxxxxx | 2026-05-18 16:00 | 2026-05-28 07:33 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/28/2026 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-05/18/2026 |  | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/28/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.17<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 727 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866039 | xxxxxx D B A | Closed | xxxxxx | 2026-05-19 07:31 | 2026-05-26 09:54 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received Master Policy w/sufficient Fidelity Coverage. - Due Diligence Vendor-05/26/2026 <br>Open-Fidelity Coverage not met. Missing evidence of fidelity insurance coverage equaling at least the sum of three months of assessments on all units in the project. - Due Diligence Vendor-05/19/2026 |  | Resolved-Received Master Policy w/sufficient Fidelity Coverage. - Due Diligence Vendor-05/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.12<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 782 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866039 | xxxxxx D B A | Closed | xxxxxx | 2026-05-19 07:31 | 2026-05-26 09:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received Master Policy - Due Diligence Vendor-05/26/2026 <br>Open-Missing Condo Master Insurance Policy Missing master condo policy meeting xxxxxx requirements. Guideline Section 9.10 is silent and defers to xxxxxx. - Due Diligence Vendor-05/19/2026 |  | Resolved-Received Master Policy - Due Diligence Vendor-05/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.12<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 782 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866039 | xxxxxx D B A | Closed | xxxxxx | 2026-05-15 11:35 | 2026-05-15 13:45 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/15/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/15/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.12<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 782 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 866055 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866056 | xxxxxx D A | Closed | xxxxxx | 2026-05-21 15:50 | 2026-06-10 10:32 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance<br> - Due Diligence Vendor-06/10/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/21/2026 |  | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance<br> - Due Diligence Vendor-06/10/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 665<br>Verified employment history exceeds guidelines - |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 866056 | xxxxxx D A | Closed | xxxxxx | 2026-05-26 12:43 | 2026-06-03 13:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | 1-4 Family Rider is Missing | Resolved-This property is a SFR with 2 ADU's. The guides require it to be appraised as a 3-family however title confirms this is a SFR. - Due Diligence Vendor-06/02/2026 <br> Open-1-4 Family Rider is Missing - Due Diligence Vendor-05/26/2026 |  | Resolved-This property is a SFR with 2 ADU's. The guides require it to be appraised as a 3-family however title confirms this is a SFR. - Due Diligence Vendor-06/02/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 665<br>Verified employment history exceeds guidelines - |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 866056 | xxxxxx D A | Closed | xxxxxx | 2026-05-27 10:54 | 2026-06-01 07:47 | Resolved | 1 - Information C A | Compliance | Closing | Missing evidence of appraisal being received 3 or more days prior to closing was not met | Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-06/01/2026 <br> Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. - Due Diligence Vendor-05/27/2026 |  | Resolved-Received notification of value sent. Finding Resolved. - Due Diligence Vendor-06/01/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 665<br>Verified employment history exceeds guidelines - |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 866072 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866076 | xxxxxx C B A | Closed | xxxxxx | 2026-05-19 12:21 | 2026-05-20 13:39 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-05/20/2026 <br> Open-Missing Approval/Underwriting Summary Missing Lender's Approval Form and/or Underwriting Transmittal Summary form 1008. <br> - Due Diligence Vendor-05/19/2026 |  | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-05/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.91 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 866076 | xxxxxx C B A | Closed | xxxxxx | 2026-05-15 12:13 | 2026-05-20 09:32 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/20/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/15/2026 |  | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.91 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866151 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866184 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 866212 | xxxxxx C B A | Closed | xxxxxx | 2026-05-26 12:14 | 2026-05-27 09:06 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Case is the HOA against one individual in the community which involved a restraining order with no financial obligation to the HOA. - Due Diligence Vendor-05/27/2026 <br> Open-The condo project has pending litigation. Additional findings may apply. - Due Diligence Vendor-05/26/2026 |  | Resolved-Case is the HOA against one individual in the community which involved a restraining order with no financial obligation to the HOA. - Due Diligence Vendor-05/27/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 7.73<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 782 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866212 | xxxxxx C B A | Closed | xxxxxx | 2026-05-21 15:09 | 2026-05-22 05:34 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-05/21/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-05/21/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 7.73<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 782 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 866250 | xxxxxx D A | Closed | xxxxxx | 2026-05-21 14:00 | 2026-05-21 16:36 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal photos | Resolved-After further review- Color photos of the subject and comps are present on pages 107-116 of credit package. - Due Diligence Vendor-05/21/2026 <br>Open-Missing all pages to the appraisal - in particular, missing photos of the subject and comparables - Due Diligence Vendor-05/21/2026 |  | Resolved-After further review- Color photos of the subject and comps are present on pages 107-116 of credit package. - Due Diligence Vendor-05/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 781<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.12 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 866262 | xxxxxx B A | Closed | xxxxxx | 2026-05-18 06:10 | 2026-05-18 06:16 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/18/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 801<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 53.71 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 866267 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 866336 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866372 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866425 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 866439 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866517 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 866534 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866535 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866536 | xxxxxx C B A | Closed | xxxxxx | 2026-05-27 08:49 | 2026-06-02 13:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client exception granted, waiver applied with comp factors. Deemed non material.<br> - Due Diligence Vendor-06/02/2026 <br> Open-Audited Reserves of 1.36 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-05/27/2026 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non material.<br> - Due Diligence Vendor-06/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.7 | 1 - Credit Score 30+ points > minimum required <br> 2 - Employed at same job > 2 years | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 866537 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866538 | xxxxxx C B A | Closed | xxxxxx | 2026-05-12 13:43 | 2026-05-26 09:48 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received revised Appraisal with Appraiser LOE and photos. - Due Diligence Vendor-05/26/2026 <br> Counter-Received comments stating that REO xxxxxx is the ADU on the subject property. Please have Appraiser validate this as the picture shown on a google search does not appear the same as the picture within the appraisal - Due Diligence Vendor-05/18/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Need proof that 1003 property xxxxxx is owned F&C and tax information is required and must be included in DTI. - Due Diligence Vendor-05/12/2026 |  | Resolved-Received revised Appraisal with Appraiser LOE and photos. - Due Diligence Vendor-05/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.22<br>LTV is less than guideline maximum - Required is 70 Borrower has 46.43<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 866538 | xxxxxx C B A | Closed | xxxxxx | 2026-05-08 11:06 | 2026-05-08 11:06 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-05/08/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-05/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.22<br>LTV is less than guideline maximum - Required is 70 Borrower has 46.43<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 866539 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866540 | xxxxxx C A | Closed | xxxxxx | 2026-05-21 13:01 | 2026-06-01 10:22 | Resolved | 1 - Information C A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Flood Certificate is received and dated after Note date however the subject is not in a flood zone. - Due Diligence Vendor-06/01/2026 <br> Open-Flood Certification Date is greater than xxxxxx No additional Flood Cert on file. Additional conditions may apply, pending review. - Due Diligence Vendor-05/21/2026 |  | Resolved-Flood Certificate is received and dated after Note date however the subject is not in a flood zone. - Due Diligence Vendor-06/01/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 704<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.14 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 866542 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866544 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 866547 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866548 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 866551 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866552 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866553 | xxxxxx C A | Closed | xxxxxx | 2026-05-27 15:10 | 2026-05-29 17:14 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/29/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/27/2026 |  | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-05/29/2026<br>| LTV is less than guideline maximum - LTV 75% is lower than maximum 80% Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - DTI 38.19% is lower than allowable 50% Required is 50 Borrower has 38.19 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866556 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866558 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866561 | xxxxxx C B A | Closed | xxxxxx | 2026-05-12 14:54 | 2026-05-26 11:23 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-05/12/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-05/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 798 Required is 660 Borrower has 798<br>Qualifying DTI below maximum allowed - Required is 660 Borrower has 798 Required is 50 Borrower has 44.87 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 866561 | xxxxxx C B A | Closed | xxxxxx | 2026-05-14 17:17 | 2026-05-18 09:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client provided a waiver minimum reserve requirement, applied to non material finding with comp factors - Due Diligence Vendor-05/18/2026 <br>Open-Audited Reserves of 3.86 month(s) are less than Guideline Required Reserves of 4 month(s) loan file is absent sufficient funds to close - Due Diligence Vendor-05/14/2026 |  | Waived-Client provided a waiver minimum reserve requirement, applied to non material finding with comp factors - Due Diligence Vendor-05/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 798 Required is 660 Borrower has 798<br>Qualifying DTI below maximum allowed - Required is 660 Borrower has 798 Required is 50 Borrower has 44.87 | Credit Score 30+ points > minimum required<br> Residual income more than 1.5x the amount required by GL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 866635 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866694 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866996 | xxxxxx B A | Closed | xxxxxx | 2026-06-01 12:31 | 2026-06-03 08:48 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 6.989% is within allowable threshold of APOR of 6.41% + 1.75% or 8.16% - Due Diligence Vendor-06/03/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 6.989% is within allowable threshold of APOR of 6.41% + 1.75% or 8.16%. - Due Diligence Vendor-06/01/2026 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 6.989% is within allowable threshold of APOR of 6.41% + 1.75% or 8.16% - Due Diligence Vendor-06/03/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 730<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.32 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011421 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011435 | xxxxxx D B A | Closed | xxxxxx | 2025-10-14 08:18 | 2025-10-14 16:29 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, a primary housing history is not required on a foreign national. - Due Diligence Vendor-10/14/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Need to document borrowers primary residence is owned free & clear OR if there is a mortgage - we need a full 12 months mortgage history. - Due Diligence Vendor-10/14/2025 |  | Resolved-After further review, a primary housing history is not required on a foreign national. - Due Diligence Vendor-10/14/2025 | LTV is less than guideline maximum - LTV max is 65% - foreign national. We are at 48%<br> Months Reserves exceed minimum required - 6 mos reserves required - cash back shows 41.09 reserves remaining |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011435 | xxxxxx D B A | Closed | xxxxxx | 2025-10-14 07:55 | 2025-10-14 16:28 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-This section of the condo questionnaire does not apply since the xxxxxx is less than 25 years old. - Due Diligence Vendor-10/14/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Missing answers to questions for #5 and #7 on Condo Questionnaire<br> Need Reserves study per notes from investor - it was being completed<br> Need details of xxxxxx being planned per Condo Questionnaire #21. Need to verify type, completion date and determine if they are detrimental to health and safety. - Due Diligence Vendor-10/14/2025 |  | Resolved-This section of the condo questionnaire does not apply since the xxxxxx is less than 25 years old. - Due Diligence Vendor-10/14/2025 | LTV is less than guideline maximum - LTV max is 65% - foreign national. We are at 48%<br> Months Reserves exceed minimum required - 6 mos reserves required - cash back shows 41.09 reserves remaining |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011435 | xxxxxx D B A | Closed | xxxxxx | 2025-10-14 08:32 | 2025-10-14 16:20 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-After further review, this xxxxxx was built in xxxxxx and the structural report is not required. - Due Diligence Vendor-10/14/2025 <br> Open-The file does not contain the required structural engineer report per state law. No structural report has been provided - per Condo Questionnaire - xxxxxx has never had an inspection completed. Need inspection report. - Due Diligence Vendor-10/14/2025 |  | Resolved-After further review, this xxxxxx was built in xxxxxx and the structural report is not required. - Due Diligence Vendor-10/14/2025 | LTV is less than guideline maximum - LTV max is 65% - foreign national. We are at 48%<br> Months Reserves exceed minimum required - 6 mos reserves required - cash back shows 41.09 reserves remaining |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011435 | xxxxxx D B A | Closed | xxxxxx | 2025-10-14 09:49 | 2025-10-14 09:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Missing Warrantability Documentation | Waived-Client waiver applied to non-material finding with compensating factors. 60% investor concentration allowed per guides, subject is 62% concentration. - Due Diligence Vendor-10/14/2025 <br>Open-Max concentration allowed is 60% per guidelines, subject property concentration is at 62%- client exception provided in file - Due Diligence Vendor-10/14/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. 60% investor concentration allowed per guides, subject is 62% concentration. - Due Diligence Vendor-10/14/2025<br>| LTV is less than guideline maximum - LTV max is 65% - foreign national. We are at 48%<br> Months Reserves exceed minimum required - 6 mos reserves required - cash back shows 41.09 reserves remaining | 48% LTV<br> No mortg lates 0x30x12<br> Reserve requirement is 6 months, borrower having 47.09 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011441 | xxxxxx D A C | Closed | xxxxxx | 2025-10-15 10:58 | 2025-10-24 12:16 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received desk review. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. desk review - Seller-10/23/2025 <br>Counter-Review did not receive Desk Review-please upload. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-CDA is less than 10% variance. - Seller-10/20/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. A third party valuation product is required to support the original value - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. desk review - Seller-10/23/2025 <br>Ready for Review-CDA is less than 10% variance. - Seller-10/20/2025<br>| Resolved-Received desk review. - Due Diligence Vendor-10/24/2025<br>| Months Reserves exceed minimum required - 8.32 months reserves; 6 months reserves required.<br>Long term residence - Long Term Residence = 11+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011441 | xxxxxx D A C | Closed | xxxxxx | 2025-10-14 17:17 | 2025-10-22 10:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received passport and ESTA authorization. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Open-Borrower Citizenship Documentation Is Missing. - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025<br>| Resolved-Received passport and ESTA authorization. - Due Diligence Vendor-10/22/2025<br>| Months Reserves exceed minimum required - 8.32 months reserves; 6 months reserves required.<br>Long term residence - Long Term Residence = 11+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011454 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011456 | xxxxxx D B A | Closed | xxxxxx | 2025-10-23 11:53 | 2025-10-24 12:10 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received confirmation acceptable to proceed with Note prepayment terms. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Acceptable to proceed. Intended to close with 5/4/3. Pricing will be adjusted as applicable. - Due Diligence Vendor-10/23/2025 <br> Open-Tape shows 5/4/3/2/1 structure, note addendum shows 5/4/3 structure. - Due Diligence Vendor-10/23/2025 |  | Resolved-Received confirmation acceptable to proceed with Note prepayment terms. - Due Diligence Vendor-10/24/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x14<br>Months Reserves exceed minimum required - 160 Months Reserves exceed minimum required 6 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011456 | xxxxxx D B A | Closed | xxxxxx | 2025-10-23 12:01 | 2025-10-23 12:08 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing or Incomplete 1003 | Waived-Client waiver applied to non material finding with comp factors. Loan is investment and only needs completed 1003 in file.<br> - Due Diligence Vendor-10/23/2025 <br>Open-Missing borrower's signature-completed but not signed. - Due Diligence Vendor-10/23/2025 |  | Waived-Client waiver applied to non material finding with comp factors. Loan is investment and only needs completed 1003 in file.<br> - Due Diligence Vendor-10/23/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x14<br>Months Reserves exceed minimum required - 160 Months Reserves exceed minimum required 6 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 2000011456 | xxxxxx D B A | Closed | xxxxxx | 2025-10-23 07:53 | 2025-10-23 12:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted to allow loan to be treated as rate and term at 75% . Non-material waiver applied with comp factors. Deemed non-material due to receiving minimal cash back at closing - Due Diligence Vendor-10/23/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Per Current Guides max LTV is 70% and loan require to be cash out due to cross collateral loan. - Due Diligence Vendor-10/23/2025 |  | Waived-Client exception granted to allow loan to be treated as rate and term at 75% . Non-material waiver applied with comp factors. Deemed non-material due to receiving minimal cash back at closing - Due Diligence Vendor-10/23/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x14<br>Months Reserves exceed minimum required - 160 Months Reserves exceed minimum required 6 | 12 plus month of Reserves <br> Experienced investor 0x30x14 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 2000011457 | xxxxxx C B A | Closed | xxxxxx | 2025-10-23 13:49 | 2025-10-27 11:16 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received confirmation Note Addendum prepay terms are correct. - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Acceptable to proceed. Loan closed as intended. Any pricing adjustment will be taken care of. Please proceed. - Due Diligence Vendor-10/23/2025 <br>Open-Tape shows 5/4/3/2/1 five year structure, note addendum shows 3/2/1 three year PPP structure. - Due Diligence Vendor-10/23/2025 |  | Resolved-Received confirmation Note Addendum prepay terms are correct. - Due Diligence Vendor-10/27/2025<br>| Months Reserves exceed minimum required - 160 Months Reserves exceed minimum required of 6<br>On time mortgage history exceeds guideline requirement - 0x30x14 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011457 | xxxxxx C B A | Closed | xxxxxx | 2025-10-23 12:45 | 2025-10-23 13:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted to allow 75% LTV exception . Non-material waiver applied with comp factors. Deemed non-material due to only 5% over max. - Due Diligence Vendor-10/23/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Cash out max 70%-paying off cross collateral loan - Due Diligence Vendor-10/23/2025 |  | Waived-Client exception granted to allow 75% LTV exception . Non-material waiver applied with comp factors. Deemed non-material due to only 5% over max. - Due Diligence Vendor-10/23/2025<br>| Months Reserves exceed minimum required - 160 Months Reserves exceed minimum required of 6<br>On time mortgage history exceeds guideline requirement - 0x30x14 | 12 plus months more of the reserves require of 6<br> 0x30x14 (audit comp factor) | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 2000011459 | xxxxxx B A | Closed | xxxxxx | 2025-10-21 11:07 | 2025-10-22 11:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived--Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/22/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Exception Approved. Treat as R&T refinance 75% LTV: Non-material: paying off cross-collateral balloon loan with this transaction - Due Diligence Vendor-10/21/2025 |  | Waived--Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/22/2025<br>| Long term residence - Borrower lived at primary for 18 years per 1003.<br>Months Reserves exceed minimum required - 12+ months > guidelines. | 12+ Months > Guidelines. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 2000011475 | xxxxxx C B A | Closed | xxxxxx | 2025-10-23 10:57 | 2025-10-23 13:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client waiver applied to non-material finding with compensating factors. Exception to allow use of other property structures (xxxxxx). - Due Diligence Vendor-10/23/2025 <br> Open-Ineligible properties include: Properties with agricultural features (e.g., xxxxxx). The loan file contains an approved loan exception to allow use of Agricultural (xxxxxx). - Due Diligence Vendor-10/23/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception to allow use of other property structures (xxxxxx). - Due Diligence Vendor-10/23/2025 | LTV is less than guideline maximum - LTV 65% LTV. Allowed 75%.<br>Months Reserves exceed minimum required - 45.31 months reserves; 6 months reserves required. | LTV 5% below maximum allowed<br> Reserves +6 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011475 | xxxxxx C B A | Closed | xxxxxx | 2025-10-23 10:55 | 2025-10-23 13:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Acreage exceeds guidelines | Waived-Client waiver applied to non-material finding with compensating factors. Exception to allow 15 acres for a xxxxxx purchase - Due Diligence Vendor-10/23/2025 <br> Open-Per guides, Foreign Nationals have the following acreage limitation: Property up to 2-acres, not meeting the rural definition, eligible. The loan file contains an approved loan exception to allow 15 acres for a xxxxxx purchase.<br> - Due Diligence Vendor-10/23/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception to allow 15 acres for a xxxxxx purchase - Due Diligence Vendor-10/23/2025 | LTV is less than guideline maximum - LTV 65% LTV. Allowed 75%.<br>Months Reserves exceed minimum required - 45.31 months reserves; 6 months reserves required. | LTV 5% below maximum allowed<br> Reserves +6 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011475 | xxxxxx C B A | Closed | xxxxxx | 2025-10-22 21:39 | 2025-10-23 13:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Waived-Client waiver applied to non-material finding with compensating factors. Exception to allow use of xxxxxx that includes inaccurate housing details - Due Diligence Vendor-10/23/2025 <br> Open-Per guides, requirements for short-term rent utilizing xxxxxx xxxxxx include the following: Must have three (3) comparable properties similar in size, room count, amenities, availability, and occupancy. Appraisal reflects the subject has xxxxxx. However, the xxxxxx xxxxxx Property Earning Potential report reflects the following variances: Comparable 1 has xxxxxx; comparable 2 has xxxxxx; and comparable 3 has xxxxxx . It should also be noted that the 3 comparables have dissimilar revenue potentials of $49,500, $74,800, and $9,700, respectively. The loan file contains an approved loan exception to allow use of xxxxxx that includes inaccurate housing details. - Due Diligence Vendor-10/23/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception to allow use of xxxxxx that includes inaccurate housing details - Due Diligence Vendor-10/23/2025<br>| LTV is less than guideline maximum - LTV 65% LTV. Allowed 75%.<br>Months Reserves exceed minimum required - 45.31 months reserves; 6 months reserves required. | LTV 5% below maximum allowed<br> Reserves +6 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011475 | xxxxxx C B A | Closed | xxxxxx | 2025-10-22 10:11 | 2025-10-23 13:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client waiver applied to non-material finding with compensating factors. Exception request in file to allow a property with rural characteristics on a xxxxxx purchase - Due Diligence Vendor-10/23/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Approved loan exception request in file to allow a property with rural characteristics on a xxxxxx purchase. - Due Diligence Vendor-10/22/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception request in file to allow a property with rural characteristics on a xxxxxx purchase - Due Diligence Vendor-10/23/2025 | LTV is less than guideline maximum - LTV 65% LTV. Allowed 75%.<br>Months Reserves exceed minimum required - 45.31 months reserves; 6 months reserves required. | LTV 5% below maximum allowed<br> Reserves +6 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011502 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011508 | xxxxxx C A | Closed | xxxxxx | 2025-11-05 10:50 | 2025-11-10 11:59 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received correct HOI reflecting effective date xxxxxx. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. correct effective date - Seller-11/06/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Hazard Insurance Effective Date is xxxxxx, however, the loan closed xxxxxx and funded on xxxxxx. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. correct effective date - Seller-11/06/2025<br>| Resolved-Received correct HOI reflecting effective date xxxxxx. - Due Diligence Vendor-11/10/2025 | Months Reserves exceed minimum required - Required reserves 6 months, borrower has 284 months of reserves<br>LTV is less than guideline maximum - 70% LTV ratio, 75% maximum allowed. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011516 | xxxxxx C A | Closed | xxxxxx | 2025-11-06 10:04 | 2025-11-25 11:16 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received CPM approval dated xxxxxx by xxxxxx-no structural report required. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. We have xxxxxx condo approval in there approved in xxxxxx. - Seller-11/24/2025 <br> Open-The file does not contain the required structural engineer report per state law. Building is 30 years of age and Cert. of Occupancy was issued on or before xxxxxx - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. We have xxxxxx condo approval in there approved in xxxxxx. - Seller-11/24/2025 | Resolved-Received CPM approval dated xxxxxx by xxxxxx-no structural report required. - Due Diligence Vendor-11/25/2025 | LTV is less than guideline maximum - LTV 65% LTV. Allowed 70%.<br>Months Reserves exceed minimum required - 35.34 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011520 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011533 | xxxxxx C B A | Closed | xxxxxx | 2025-11-12 17:25 | 2025-12-03 10:47 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Waived-Client provided waiver for non material finding with comp factor - Due Diligence Vendor-12/03/2025 <br>Open-Asset Record 3 Does Not Meet G/L Requirements Missing evidence that borrower(s) is an owner of the account - Due Diligence Vendor-11/12/2025 |  | Waived-Client provided waiver for non material finding with comp factor - Due Diligence Vendor-12/03/2025<br>| Months Reserves exceed minimum required - 11.07 mos reserves; 6 mos required<br>LTV is less than guideline maximum - LTV 70.46% max 75%. | 1.8 million in assets | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011533 | xxxxxx C B A | Closed | xxxxxx | 2025-11-12 17:18 | 2025-12-03 10:35 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client provided waiver for non material finding with comp factors - Due Diligence Vendor-12/03/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements For foreign assets, verified funds for closing to be wired directly to the closing agent prior to or as of the consummation date (Note date). Wire transfer to include bank name, accountholder name, and account number. Bank used as source of wire transfer must match the bank holding the assets verified in the loan file. \*\*\*Wire transfers provided do not identify the sending bank or account number. - Due Diligence Vendor-11/12/2025 |  | Waived-Client provided waiver for non material finding with comp factors - Due Diligence Vendor-12/03/2025<br>| Months Reserves exceed minimum required - 11.07 mos reserves; 6 mos required<br>LTV is less than guideline maximum - LTV 70.46% max 75%. | 1.8 million in assets | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011533 | xxxxxx C B A | Closed | xxxxxx | 2025-11-12 14:05 | 2025-11-19 10:49 | Resolved | 1 - Information C A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-Received confirmation spouse reflects on title. - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Husband and wife are on the loan as B1/B2 and vested in title, no spousal consent is needed - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Husband and wife are on the loan as B1/B2 and vested in title, no spousal consent is needed - Seller-11/18/2025 <br>Open-The required spousal consent to pledge form is missing. - Due Diligence Vendor-11/12/2025 | Ready for Review-Husband and wife are on the loan as B1/B2 and vested in title, no spousal consent is needed - Seller-11/18/2025<br>| Resolved-Received confirmation spouse reflects on title. - Due Diligence Vendor-11/19/2025<br>| Months Reserves exceed minimum required - 11.07 mos reserves; 6 mos required<br>LTV is less than guideline maximum - LTV 70.46% max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011534 | xxxxxx B A | Closed | xxxxxx | 2025-11-12 15:54 | 2025-11-13 13:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Missing Spousal Consent to Pledge Form is missing | Waived-Client exception granted to allow waiver of Consent of Spouse in a community property states. Non-material waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-11/12/2025 |  | Waived-Client exception granted to allow waiver of Consent of Spouse in a community property states. Non-material waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-11/12/2025<br>| Months Reserves exceed minimum required - required assets 6 month. borrower has 11 months<br>DSCR % greater than 1.20 - DSCR > 1.2% | Reserves $32456 11 mo (min $16806 6 mo) <br> DSCR 1.34 (min 1)<br> PPP<br> Loan is escrowing. <br> Value is typical for the area and we have CDA that supports the value. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011565 | xxxxxx C A | Closed | xxxxxx | 2025-11-24 17:09 | 2025-12-09 12:13 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Upon further review, loan participants meet the guideline requirements. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-This was locked under the xxxxxx guides and the following is listed for required: Borrowers/Guarantors, Property Sellers. (requested items are not listed as the required) - Seller-12/08/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Add xxxxxx - Due Diligence Vendor-11/24/2025 | Ready for Review-This was locked under the xxxxxx guides and the following is listed for required: Borrowers/Guarantors, Property Sellers. (requested items are not listed as the required) - Seller-12/08/2025 | Resolved-Upon further review, loan participants meet the guideline requirements. - Due Diligence Vendor-12/09/2025<br>| Months Reserves exceed minimum required - 6 months needed. 23 months verified<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.2 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011565 | xxxxxx C A | Closed | xxxxxx | 2025-11-24 17:20 | 2025-11-25 17:59 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-After further review, the ACH forms are in the loan file. - Due Diligence Vendor-11/25/2025 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. Verify if borrower is a FN or non-perm resident. - Due Diligence Vendor-11/24/2025 |  | Resolved-After further review, the ACH forms are in the loan file. - Due Diligence Vendor-11/25/2025<br>| Months Reserves exceed minimum required - 6 months needed. 23 months verified<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.2 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011566 | xxxxxx D B A | Closed | xxxxxx | 2025-12-01 14:03 | 2025-12-03 15:40 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received confirmation no longer required per guidelines - Due Diligence Vendor-12/03/2025 <br>Ready for Review-ACH is no longer required per guides. - Due Diligence Vendor-12/01/2025 <br>Open-Foreign National but the ACH form is Missing from file. The ACH form in the loan file doesn't have any bank information on it, but is signed and dated by the borrowers. - Due Diligence Vendor-12/01/2025 |  | Resolved-Received confirmation no longer required per guidelines - Due Diligence Vendor-12/03/2025<br>| Long term residence - Experienced investor owns two other rental properties.<br>Months Reserves exceed minimum required - 258.93 months > 6 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011566 | xxxxxx D B A | Closed | xxxxxx | 2025-12-01 13:23 | 2025-12-03 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Cert. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-12/01/2025 <br>Open-Missing Flood Certificate Missing flood cert - Due Diligence Vendor-12/01/2025 |  | Resolved-Received Flood Cert. - Due Diligence Vendor-12/03/2025<br>| Long term residence - Experienced investor owns two other rental properties.<br>Months Reserves exceed minimum required - 258.93 months > 6 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011566 | xxxxxx D B A | Closed | xxxxxx | 2025-12-01 14:39 | 2025-12-01 15:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow 63% investor concentration . Non-material waiver applied with comp factors. Deemed non-material due to only 3% above max allowed - Due Diligence Vendor-12/01/2025 <br>Open-63% investor concentration exceeds guideline max of 60% pg 135 of guide. - Due Diligence Vendor-12/01/2025 |  | Waived-Client exception granted to allow 63% investor concentration . Non-material waiver applied with comp factors. Deemed non-material due to only 3% above max allowed - Due Diligence Vendor-12/01/2025<br>| Long term residence - Experienced investor owns two other rental properties.<br>Months Reserves exceed minimum required - 258.93 months > 6 required | Lender: 12+ months reserves, <br> Audit: experienced investor owns two other investment properties. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011572 | xxxxxx C A | Closed | xxxxxx | 2025-11-26 14:20 | 2025-12-03 15:36 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received confirmation no longer required. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-ACH is no longer required per guides. - Due Diligence Vendor-12/01/2025 <br>Open-Foreign National but the ACH form is Missing from file. ACH Form is in file on page 222- but the Financial Institution Name, Phone, Routing, Acct # and Address are blank. - Due Diligence Vendor-11/26/2025 |  | Resolved-Received confirmation no longer required. - Due Diligence Vendor-12/03/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.001 Required is 0 Borrower has 1.001<br>LTV is less than guideline maximum - Required is 70 Borrower has 56.88 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011580 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011582 | xxxxxx C B A | Closed | xxxxxx | 2025-12-02 12:28 | 2025-12-08 09:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client waiver applied to non-material finding with compensating factors. Exception for square footage and xxxxxx. Appraisal comparables are consistent with subject and does not cause a marketability issue. - Due Diligence Vendor-12/08/2025 <br> Open-Property Issues are identified for the property Exception in file:<br> 1) Subject is xxxxxx style property type (separate xxxxxx required)<br> 2) Subject sq feet is xxxxxx (minimum sq ftg of 500 required) - Due Diligence Vendor-12/02/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for square footage and studio. Appraisal comparables are consistent with subject and does not cause a marketability issue. - Due Diligence Vendor-12/08/2025<br>| LTV is less than guideline maximum - Required is 70 Borrower has 37.18<br>DSCR % greater than 1.20 - Required is 0 Borrower has 1.498 | Reserves + 10 mos<br> Locked w/Prepay<br> Locked w/escrows<br> DSCR > 1.30 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011582 | xxxxxx C B A | Closed | xxxxxx | 2025-12-01 23:11 | 2025-12-03 09:05 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-After further review, this form is not required. - Due Diligence Vendor-12/03/2025 <br>Open-Foreign National but the ACH form is Missing from file. The ACH form isn't filled out. - Due Diligence Vendor-12/02/2025 |  | Resolved-After further review, this form is not required. - Due Diligence Vendor-12/03/2025<br>| LTV is less than guideline maximum - Required is 70 Borrower has 37.18<br>DSCR % greater than 1.20 - Required is 0 Borrower has 1.498 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011582 | xxxxxx C B A | Closed | xxxxxx | 2025-12-01 22:01 | 2025-12-03 09:05 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-HOA is plaintiff, pending litigation against the builder, no damage to the subject xxxxxx project. - Due Diligence Vendor-12/03/2025 <br> Open-The condo project has pending litigation. <br> • Reason for lawsuit - The project is suing (the developer), not being sued. See pages starting 149. <br> • Is it against the HOA or is the HOA filing the lawsuit - HOA is filing <br> • It is major or minor in nature - minor<br> • Does it relate to safety, structural or functionality, NOT JUST the subject unit - n/a<br> • Amount of lawsuit - unknown<br> • Does the file contain a letter from an attn. or HOA stating lawsuit is covered by Insurance - n/a - HOA is the plantiff<br>- Due Diligence Vendor-12/02/2025 |  | Resolved-HOA is plaintiff, pending litigation against the builder, no damage to the subject condo project. - Due Diligence Vendor-12/03/2025<br>| LTV is less than guideline maximum - Required is 70 Borrower has 37.18<br>DSCR % greater than 1.20 - Required is 0 Borrower has 1.498 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011605 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000011606 | xxxxxx C A | Closed | xxxxxx | 2025-12-04 15:38 | 2025-12-15 10:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received security instrument reflecting correct notary date of xxxxxx - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. mortgage - Seller-12/12/2025 <br> Counter-The notary date should be the same as the borrower's signature date but she entered her Notary expiration date. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Please clarify. Everything I see shows xxxxxx. - Due Diligence Vendor-12/10/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Notary date xxxxxx is incorrect. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. mortgage - Seller-12/12/2025<br>| Resolved-Received security instrument reflecting correct notary date of xxxxxx - Due Diligence Vendor-12/15/2025 | Months Reserves exceed minimum required - 17.83 months reserves; 6 months reserves required.<br>DSCR % greater than 1.20 - DSCR is 1.46. 1.00 was required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011624 | xxxxxx C B A | Closed | xxxxxx | 2026-02-25 14:52 | 2026-04-24 09:53 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-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% ($1,339.20) exceed the comparable charges ($1,139.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. Please find xxxxxx label, loe, refund check & CD to cure the tolerance overage. xxxxxx. - Seller-04/22/2026 <br> Ready for Review-From Seller: we dispute this refund amount & have had similar issues where a refund is not due or a much smaller amount is. This is due to disclosing fees in one name (Initial disclosure shows settlement closing fee of $725) & at closing, it was listed on CD as attorney fee of $575. These are the same items & need to be tested as such with the initial threshold set for this item at $725. Please retest & xxxxxx for your assistance. - Due Diligence Vendor-04/22/2026 <br> Counter-From TPR: -----Ten (10%) tolerance fees (Title Search, Binder Fee, Title Insurance, Recording Process, and Tax Cert Fee) increased by $86.30 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $86.30, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Fixed Attorney Fee but a COC is still needed for the increase in the fees listed above. Finding remains. - Due Diligence Vendor-04/16/2026 <br> Counter------Ten (10%) tolerance fees (Title Search, Binder Fee, Title Insurance, Recording Process, and Tax Cert Fee) increased by $86.30 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $86.30, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Fixed Attorney Fee but a COC is still needed for the increase in the fees listed above. Finding remains. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-we dispute this refund amount & have had similar issues where a refund is not due or a much smaller amount is. This is due to disclosing fees in one name (Initial disclosure shows settlement closing fee of $725) & at closing, it was listed on CD as attorney fee of $575. These are the same items & need to be tested as such with the initial threshold set for this item at $725. Please retest & xxxxxx for your assistance. - Seller-04/14/2026 <br> Ready for Review-Seller Response: we dispute this refund amount & have had similar issues where a refund is not due or a much smaller amount is. This is due to disclosing fees in one name (Initial disclosure shows settlement closing fee of $725) & at closing, it was listed on CD as attorney fee of $575. These are the same items & need to be tested as such with the initial threshold set for this item at $725. Please retest & xxxxxx for your assistance. - Due Diligence Vendor-04/14/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,339.20) exceed the comparable charges ($414.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Title Search, Attorney Fee, Binder Fee, Title Insurance, Recording Process, Recording Fee and Tax Cert Fee) increased by $883.80 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $883.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx.<br> - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. Please find xxxxx label, loe, refund check & CD to cure the tolerance overage. xxxxxx. - Seller-04/22/2026 <br> Ready for Review-we dispute this refund amount & have had similar issues where a refund is not due or a much smaller amount is. This is due to disclosing fees in one name (Initial disclosure shows settlement closing fee of $725) & at closing, it was listed on CD as attorney fee of $575. These are the same items & need to be tested as such with the initial threshold set for this item at $725. Please retest & xxxxxx for your assistance. - Seller-04/14/2026 | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/24/2026 | CLTV is less than guidelines maximum - Max CLTV 85% and qualifying at 65.08%.<br>Qualifying FICO score is at least 20 points above minimum for program - 765 > 680<br>Additional assets not used to qualify - Borrower has additional assets not being used. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011624 | xxxxxx C B A | Closed | xxxxxx | 2026-02-26 14:35 | 2026-03-03 09:42 | Resolved | 1 - Information C A | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Resolved-Upon further review, the loan file contained guideline variance approval for Rural properties. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please find the attached xxxxxx First Variance Approval Letter; Rural properties allowed on xxxxxx program. xxxxxx! - Due Diligence Vendor-02/27/2026 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per guidelines, Rural is not eligible property type for closed end second product. - Due Diligence Vendor-02/26/2026 |  | Resolved-Upon further review, the loan file contained guideline variance approval for Rural properties. - Due Diligence Vendor-03/03/2026<br>| CLTV is less than guidelines maximum - Max CLTV 85% and qualifying at 65.08%.<br>Qualifying FICO score is at least 20 points above minimum for program - 765 > 680<br>Additional assets not used to qualify - Borrower has additional assets not being used. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011624 | xxxxxx C B A | Closed | xxxxxx | 2026-02-26 15:49 | 2026-03-03 09:39 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. gap credit attached & within 10 days of Feb 17 closing. xxxxxx. - Seller-03/02/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide Gap credit or UDM showing within 10 days from closing. 56 days old - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. gap credit attached & within 10 days of xxxxxx closing. xxxxxx. - Seller-03/02/2026 | Resolved-Received UDM - Due Diligence Vendor-03/03/2026<br>| CLTV is less than guidelines maximum - Max CLTV 85% and qualifying at 65.08%.<br>Qualifying FICO score is at least 20 points above minimum for program - 765 > 680<br>Additional assets not used to qualify - Borrower has additional assets not being used. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011624 | xxxxxx C B A | Closed | xxxxxx | 2026-02-26 15:49 | 2026-03-03 09:38 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. gap credit for b2 within 10 days of Feb 17 closing. xxxxxx. - Seller-03/02/2026 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide Gap credit or UDM showing within 10 days from closing. 56 days old - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. gap credit for b2 within 10 days of xxxxxx closing. xxxxxx. - Seller-03/02/2026 | Resolved-Received UDM - Due Diligence Vendor-03/03/2026<br>| CLTV is less than guidelines maximum - Max CLTV 85% and qualifying at 65.08%.<br>Qualifying FICO score is at least 20 points above minimum for program - 765 > 680<br>Additional assets not used to qualify - Borrower has additional assets not being used. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011624 | xxxxxx C B A | Closed | xxxxxx | 2026-02-25 13:36 | 2026-02-25 13:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/25/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/25/2026<br>| CLTV is less than guidelines maximum - Max CLTV 85% and qualifying at 65.08%.<br>Qualifying FICO score is at least 20 points above minimum for program - 765 > 680<br>Additional assets not used to qualify - Borrower has additional assets not being used. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011659 | xxxxxx D A C | Closed | xxxxxx | 2025-12-17 20:12 | 2025-12-24 09:20 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-After further review, the min DSCR meet guides - Due Diligence Vendor-12/22/2025 <br>Open-The Calculated DSCR of '0.795' is less than the minimum DSCR per lender guidelines of '1'. 0.795 DSCR does not meet minimum of 1 for product/transaction. - Due Diligence Vendor-12/18/2025 |  | Resolved-After further review, the min DSCR meet guides - Due Diligence Vendor-12/22/2025<br>| LTV is less than guideline maximum - LTV: 50 Max 65<br>Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011659 | xxxxxx D A C | Closed | xxxxxx | 2025-12-17 19:23 | 2025-12-22 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-After further review, the Business Purpose Affidavit Disclosure is in the loan file. - Due Diligence Vendor-12/22/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-12/18/2025 |  | Resolved-After further review, the Business Purpose Affidavit Disclosure is in the loan file. - Due Diligence Vendor-12/22/2025<br>| LTV is less than guideline maximum - LTV: 50 Max 65<br>Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011659 | xxxxxx D A C | Closed | xxxxxx | 2025-12-17 20:21 | 2025-12-22 10:51 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-The lender confirmed the condo is non-warrantable and all guidelines have been met. - Due Diligence Vendor-12/22/2025 <br> Open-Missing documentation to support condo project warrantability. Per guidelines: Project to meet all xxxxxx® insurance requirements for property, liability, and fidelity coverage, except for the master insurance hazard deductible. Questionnaire reflects project provides xxxxxx. Other findings may apply. <br> - Due Diligence Vendor-12/18/2025 |  | Resolved-The lender confirmed the condo is non-warrantable and all guidelines have been met. - Due Diligence Vendor-12/22/2025<br>| LTV is less than guideline maximum - LTV: 50 Max 65<br>Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011659 | xxxxxx D A C | Closed | xxxxxx | 2025-12-17 19:48 | 2025-12-22 10:49 | Resolved | 1 - Information C A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-After further review, a second appraisal is required for loan amounts over $2MM. - Due Diligence Vendor-12/22/2025 <br> Open-Two or more full valuation products were not provided.' Missing secondary valuation for subject. - Due Diligence Vendor-12/18/2025 |  | Resolved-After further review, a second appraisal is required for loan amounts over $2MM. - Due Diligence Vendor-12/22/2025 | LTV is less than guideline maximum - LTV: 50 Max 65<br>Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011659 | xxxxxx D A C | Closed | xxxxxx | 2025-12-17 20:10 | 2025-12-22 10:49 | Resolved | 1 - Information C A | Property | Value | Loan missing Desk Review as required per Guidelines | Resolved-After further review, the loan file contains a xxxxxx CU with an acceptable score. - Due Diligence Vendor-12/22/2025 <br>Open-Loan missing Desk Review as required per Guidelines. Missing secondary valuation for subject. - Due Diligence Vendor-12/18/2025 |  | Resolved-After further review, the loan file contains a xxxxxx CU with an acceptable score. - Due Diligence Vendor-12/22/2025<br>| LTV is less than guideline maximum - LTV: 50 Max 65<br>Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011659 | xxxxxx D A C | Closed | xxxxxx | 2025-12-17 19:48 | 2025-12-22 10:44 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-After further review, the loan file contains a xxxxxx CU with an acceptable score. - Due Diligence Vendor-12/22/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing secondary valuation for subject to support appraised value. - Due Diligence Vendor-12/18/2025 |  | Resolved-After further review, the loan file contains a xxxxxx CU with an acceptable score. - Due Diligence Vendor-12/22/2025<br>| LTV is less than guideline maximum - LTV: 50 Max 65<br>Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011659 | xxxxxx D A C | Closed | xxxxxx | 2025-12-17 19:53 | 2025-12-22 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-After further review, the HO-6 Insurance Policy is in the loan file. - Due Diligence Vendor-12/22/2025 <br> Open-HO-6 Insurance Policy is Missing Missing evidence of unit owners coverage as master condo policy specifically states that walls-in is not included. Other findings may apply. - Due Diligence Vendor-12/18/2025 |  | Resolved-After further review, the HO-6 Insurance Policy is in the loan file. - Due Diligence Vendor-12/22/2025<br>| LTV is less than guideline maximum - LTV: 50 Max 65<br>Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011659 | xxxxxx D A C | Closed | xxxxxx | 2025-12-17 19:48 | 2025-12-22 10:29 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-After further review, the xxxxxx is non warrantable and the builder can be in control is there is an estimated turnover. - Due Diligence Vendor-12/22/2025 <br> Open-Builder is in control of HOA Per project questionnaire, HOA will not be turned over til mid 2026, xxxxxx. - Due Diligence Vendor-12/18/2025 |  | Resolved-After further review, the condo is non warrantable and the builder can be in control is there is an estimated turnover. - Due Diligence Vendor-12/22/2025<br>| LTV is less than guideline maximum - LTV: 50 Max 65<br>Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011659 | xxxxxx D A C | Closed | xxxxxx | 2025-12-17 19:58 | 2025-12-22 10:27 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, this is not required on a xxxxxx. - Due Diligence Vendor-12/22/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing documentation which evidences most recent 12 months primary housing payment history. Burrower currently resides rent free for past 7 months; however, rented prior thereto for 2.83 years. Per guidelines the following apply: Housing history for the DSCR Doc type is required for the borrower's primary residence and the subject property if a refinance; transaction. - Due Diligence Vendor-12/18/2025 |  | Resolved-After further review, this is not required on a xxxxxx. - Due Diligence Vendor-12/22/2025 | LTV is less than guideline maximum - LTV: 50 Max 65<br>Months Reserves exceed minimum required - Reserves: 8.34 Min 6 Min. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011676 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011705 | xxxxxx D B A | Closed | xxxxxx | 2026-01-06 09:09 | 2026-01-16 11:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client waiver applied to non-material finding with compensating factors. Exception for shortage of reserves. Six months required, 5.41 months verified. - Due Diligence Vendor-01/16/2026 <br> Open-Audited Reserves of 5.41 month(s) are less than Guideline Required Reserves of 6 month(s). The EMD's were made out of the xxxxxx account and we have proof of the wires but no statements to show the withdrawals of the funds. The reserves are now short $1,257.37 but if we get the October xxxxxx account the borrower will have 64 months of reserves. - Due Diligence Vendor-01/08/2026 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for shortage of reserves. Six months required, 5.41 months verified. - Due Diligence Vendor-01/16/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.16 and minimum is 0.85 or Less<br>Long term residence - Borrower lived at primary for 10 years per 1003. | DSCR of 1.156. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011705 | xxxxxx D B A | Closed | xxxxxx | 2026-01-06 08:45 | 2026-01-08 09:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-After further review, the passport is on page 453 - Due Diligence Vendor-01/08/2026 <br>Open-Borrower Citizenship Documentation Is Missing Missing passport required for foreign national. - Due Diligence Vendor-01/06/2026 |  | Resolved-After further review, the passport is on page 453 - Due Diligence Vendor-01/08/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.16 and minimum is 0.85 or Less<br>Long term residence - Borrower lived at primary for 10 years per 1003. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011705 | xxxxxx D B A | Closed | xxxxxx | 2026-01-05 18:55 | 2026-01-08 09:38 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-After further review, the seller's CD is in the loan file, p. 86. - Due Diligence Vendor-01/08/2026 <br>Open-The Final SELLER CD/HUD is missing. Required to validate funds were disbursed correctly. - Due Diligence Vendor-01/06/2026 |  | Resolved-After further review, the seller's CD is in the loan file, p. 86. - Due Diligence Vendor-01/08/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.16 and minimum is 0.85 or Less<br>Long term residence - Borrower lived at primary for 10 years per 1003. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011706 | xxxxxx D A | Closed | xxxxxx | 2026-01-06 07:29 | 2026-01-06 16:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-01/06/2026 <br>Open-Missing Flood Certificate Flood Certificate Missing. - Due Diligence Vendor-01/06/2026 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/06/2026<br>| Months Reserves exceed minimum required - 115.69 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011706 | xxxxxx D A | Closed | xxxxxx | 2026-01-06 09:23 | 2026-01-06 16:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-The lender used the 1st qtr plus the last quarter of 2025. - Due Diligence Vendor-01/06/2026 <br>Open-Missing Evidence of Property Tax Missing calculation for escrowed tax amount showing on final CD, does it not match the tax bill. - Due Diligence Vendor-01/06/2026 |  | Resolved-The lender used the 1st qtr plus the last quarter of 2025. - Due Diligence Vendor-01/06/2026<br>| Months Reserves exceed minimum required - 115.69 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011707 | xxxxxx D B A | Closed | xxxxxx | 2026-01-06 09:19 | 2026-01-09 11:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy. - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026 <br>Counter-Received HOI and RCE for another borrower and property. Please provide for subject. - Due Diligence Vendor-01/07/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-01/06/2026 <br>Open-Missing Hazard Insurance Policy Coverage must meet guidelines. - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Received HOI policy. - Due Diligence Vendor-01/09/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less<br>Months Reserves exceed minimum required - 187 mos reserves exceeds 6 months reserves per guides |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011707 | xxxxxx D B A | Closed | xxxxxx | 2026-01-06 09:59 | 2026-01-07 12:27 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received confirmation ACH form no longer required. - Due Diligence Vendor-01/07/2026 <br>Ready for Review-No longer required per guides. - Due Diligence Vendor-01/06/2026 <br>Open-Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-01/06/2026 |  | Resolved-Received confirmation ACH form no longer required. - Due Diligence Vendor-01/07/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less<br>Months Reserves exceed minimum required - 187 mos reserves exceeds 6 months reserves per guides |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011707 | xxxxxx D B A | Closed | xxxxxx | 2026-01-06 13:34 | 2026-01-06 13:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Client exception granted to allow 59 submarket score. Non-material waiver applied with comp factors. Deemed non-material due to only one point below required. - Due Diligence Vendor-01/06/2026 <br>Open-xxxxxx sub-market score of 59, Market Score or Sub-Market Score must be 60 or greater as reflected on the Property Earning Potential Report. - Due Diligence Vendor-01/06/2026 |  | Waived-Client exception granted to allow 59 submarket score. Non-material waiver applied with comp factors. Deemed non-material due to only one point below required. - Due Diligence Vendor-01/06/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less<br>Months Reserves exceed minimum required - 187 mos reserves exceeds 6 months reserves per guides | Reserves: 10+ > guidelines<br> Locked with Prepay<br> Locked with Escrows | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000011764 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011783 | xxxxxx C A | Closed | xxxxxx | 2026-01-16 15:23 | 2026-01-27 10:31 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Received xxxxxx Foreign National Affidavit - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/26/2026 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. - Seller-01/26/2026<br>| Resolved-Received xxxxxx Foreign National Affidavit - Due Diligence Vendor-01/27/2026 | DSCR % greater than 1.20 - <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011783 | xxxxxx C A | Closed | xxxxxx | 2026-01-16 14:19 | 2026-01-22 14:23 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received final seller CD. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. final settlement statement - Seller-01/21/2026 <br>Open-The Final SELLER CD/HUD is missing. Not found in file - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. final settlement statement - Seller-01/21/2026<br>| Resolved-Received final seller CD. - Due Diligence Vendor-01/22/2026<br>| DSCR % greater than 1.20 - <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011783 | xxxxxx C A | Closed | xxxxxx | 2026-01-16 14:14 | 2026-01-21 15:26 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-After further review, this account was open less than 30 days prior. - Due Diligence Vendor-01/21/2026 <br> Counter-Received confirmation xxxxxx new account. Review is unable to confirm transfers from xxxxxx for 30 days asset. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-xxxxxx account was recently opened. xxxxxx statement combines to cover 30 days. - Due Diligence Vendor-01/20/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Do not have 1 month bank history. - Due Diligence Vendor-01/16/2026 |  | Resolved-After further review, this account was open less than 30 days prior. - Due Diligence Vendor-01/21/2026<br>| DSCR % greater than 1.20 - <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011799 | xxxxxx C A | Closed | xxxxxx | 2026-01-22 11:59 | 2026-02-11 12:49 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 2 Credit Report is Expired | Resolved-Supplement pulled 10/30/25 has scores supporting initial credit pull. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Credit report date is 10/30/2025 - Closing Date xxxxxx - Seller-01/26/2026 <br> Open-Borrower 2 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-01/22/2026 | Ready for Review-Credit report date is 10/30/2025 - Closing Date xxxxxx - Seller-01/26/2026 | Resolved-Supplement pulled 10/30/25 has scores supporting initial credit pull. - Due Diligence Vendor-02/11/2026<br>| Months Reserves exceed minimum required - borrower has 10 months. required 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - 796 fico score is 20+ points above min 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011799 | xxxxxx C A | Closed | xxxxxx | 2026-01-22 11:59 | 2026-02-11 12:48 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Supplement pulled 10/30/25 has scores supporting initial credit pull. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Credit report date is 10/30/2025 - Closing Date xxxxxx - Seller-01/26/2026 <br> Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-01/22/2026 | Ready for Review-Credit report date is 10/30/2025 - Closing Date xxxxxx - Seller-01/26/2026 | Resolved-Supplement pulled 10/30/25 has scores supporting initial credit pull. - Due Diligence Vendor-02/11/2026<br>| Months Reserves exceed minimum required - borrower has 10 months. required 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - 796 fico score is 20+ points above min 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000011822 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011826 | xxxxxx C A | Closed | xxxxxx | 2026-01-25 13:02 | 2026-01-26 15:11 | Resolved | 1 - Information C A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-After further review, the spousal consent form is not required if the spouse is on the loan, - Due Diligence Vendor-01/26/2026 <br>Open-The required spousal consent to pledge form is missing. Form is in file, but not signed. - Due Diligence Vendor-01/26/2026 |  | Resolved-After further review, the spousal consent form is not required if the spouse is on the loan, - Due Diligence Vendor-01/26/2026<br>| LTV is less than guideline maximum - 65% LTV is less than 70% guideline maximum<br>Months Reserves exceed minimum required - 119 months Reserves exceed 6 month minimum required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011832 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 2000011833 | xxxxxx D B A | Closed | xxxxxx | 2026-01-28 08:55 | 2026-02-09 10:07 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Client exception granted to allow FN cannot have xxxxxx place of residence/ Non Perm DSCR. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/09/2026 <br> Counter-Review received exception. Pending receipt of citizenship documentation for further review. Additional findings may apply. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-02/04/2026 <br> Open-Borrower Citizenship Documentation Is Missing As Borrower is a Foreign National- Provide a copy of the borrower's valid and unexpired visa (including photograph) OR an I-797 form with valid extension dates and I-94. Currently only a Passport, ITIN Card and DL are in file. Please note that xxxxxx does not participate in the State Department's xxxxxx. - Due Diligence Vendor-01/28/2026 |  | Waived-Client exception granted to allow FN cannot have xxxxxx place of residence/ Non Perm DSCR. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/09/2026 | Months Reserves exceed minimum required - 25 months reserves, min required is 6<br>DSCR % greater than 1.20 - DSCR 1.76 is greater than 1.20 | Good reserves, experienced investor, subject cashflows, and value is typical for the area. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011833 | xxxxxx D B A | Closed | xxxxxx | 2026-01-27 15:52 | 2026-02-09 10:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted to allow FN cannot have xxxxxx place of residence/ Non Perm DSCR. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/09/2026 <br> Counter-Pending receipt of citizenship documentation for further review. Additional findings may apply. - Due Diligence Vendor-02/06/2026 <br> Counter-Rebuttal/exception was provided for Citizenship Documentation. Please waive per previously provided lender exception. - Due Diligence Vendor-02/04/2026 <br> Counter-Pending receipt of citizenship documentation for further review. Additional findings may apply. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. Please see attached lender exception. - Due Diligence Vendor-01/29/2026 <br> Open-Loan Program- xxxxxx. Per guidelines for a xxxxxx- Borrower's primary residence must be in a foreign country. Loan app confirms Brws primary residence for the last year is xxxxxx. As Borrower has a primary residence in the xxxxxx - they are are ineligible for current program. Please note Brw does have an xxxxxx- but does not qualify for the xxxxxx and xxxxxx program as occupancy is only for primary and second homes- not investment. - Due Diligence Vendor-01/28/2026 |  | Waived-Client exception granted to allow FN cannot have xxxxxx place of residence/ Non Perm DSCR. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/09/2026 | Months Reserves exceed minimum required - 25 months reserves, min required is 6<br>DSCR % greater than 1.20 - DSCR 1.76 is greater than 1.20 | Good reserves, experienced investor, subject cashflows, and value is typical for the area. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000011840 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011864 | xxxxxx D A | Closed | xxxxxx | 2026-02-20 12:24 | 2026-03-04 09:46 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. dscr worksheet attached. xxxxxx. - Seller-03/02/2026 <br>Open-DSCR calculation from lender not provided. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. dscr worksheet attached. xxxxxx. - Seller-03/02/2026<br>| Resolved-Received DSCR calculation. - Due Diligence Vendor-03/04/2026<br>| Months Reserves exceed minimum required - 2 months reserves are required and the borrower has over 93 months verified. <br>Qualifying FICO score is at least 20 points above minimum for program - The minimum fico score is 660 and the borrower has a 744 qualifying fico score. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011873 | xxxxxx C B A | Closed | xxxxxx | 2026-03-06 10:15 | 2026-04-24 09:44 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-From Seller: we dispute this refund request &have had similar issues cleared in the past w/o refunds due. Some fees have an interchangeable function with a different name. Our initial disclosures show a settlement closing fee of $725 while the CD has an attorney fee of $575. These are one & the same charge & the settlement closing fee should be used as a threshold figure in the 10% test. The Lenders title insurance was predisclosed as well just at a lower amount from the initial loan amount to closing amount. Please retest as we dispute the refund request amount. xxxxxx. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. please find xxxxx label, refund check, refund cd & loe to borrower to resolve this file. xxxxxx. - Seller-04/22/2026 <br> Counter-From TPR: Upon further review Ten (10%) tolerance fees for Abstract/Title Search Fee, Lender's Title Insurance Policy, Title - Recording Processing, Title Certification Fee and Title Insurance Binder Fee increased by $497.50 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $128.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. - Due Diligence Vendor-04/17/2026 <br> Counter-Upon further review Ten (10%) tolerance fees for Abstract/Title Search Fee, Lender's Title Insurance Policy, Title - Recording Processing, Title Certification Fee and Title Insurance Binder Fee increased by $497.50 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $128.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. - Due Diligence Vendor-04/17/2026 <br> Counter-From TPR: -----Ten (10%) tolerance fees Abstract/Title Search Fee, Lender's Title Insurance Policy, Title - Recording Processing, Title Certification Fee and Title Insurance Binder Fee increased by $128.80 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $926.30, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Fixed attorney fee, still need COC for increase in fees listed above. Finding remains. - Due Diligence Vendor-04/16/2026 <br> Counter------Ten (10%) tolerance fees Abstract/Title Search Fee, Lender's Title Insurance Policy, Title - Recording Processing, Title Certification Fee and Title Insurance Binder Fee increased by $128.80 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $926.30, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. Fixed attorney fee, still need COC for increase in fees listed above. Finding remains. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-we dispute this refund request &have had similar issues cleared in the past w/o refunds due. Some fees have an interchangeable function with a different name. Our initial disclosures show a settlement closing fee of $725 while the CD has an attorney fee of $575. These are one & the same charge & the settlement closing fee should be used as a threshold figure in the 10% test. The Lenders title insurance was predisclosed as well just at a lower amount from the initial loan amount to closing amount. Please retest as we dispute the refund request amount. xxxxxx. - Seller-04/14/2026 <br> Ready for Review-Seller Response: We dispute this refund request &have had similar issues cleared in the past w/o refunds due. Some fees have an interchangeable function with a different name. Our initial disclosures show a settlement closing fee of $725 while the CD has an attorney fee of $575. These are one & the same charge & the settlement closing fee should be used as a threshold figure in the 10% test. The Lenders title insurance was predisclosed as well just at a lower amount from the initial loan amount to closing amount. Please retest as we dispute the refund request amount. xxxxxx. - Due Diligence Vendor-04/14/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,324.50) exceed the comparable charges ($362.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----------Ten (10%) tolerance fees Abstract/Title Search Fee, Lender's Title Insurance Policy, Title - Attorney Fee, Title - Recording Processing, Title Certification Fee and Title Insurance Binder Fee increased by $926.30 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $926.30, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. please find xxxxx label, refund check, refund cd & loe to borrower to resolve this file. xxxxxx. - Seller-04/22/2026 <br> Ready for Review-we dispute this refund request &have had similar issues cleared in the past w/o refunds due. Some fees have an interchangeable function with a different name. Our initial disclosures show a settlement closing fee of $725 while the CD has an attorney fee of $575. These are one & the same charge & the settlement closing fee should be used as a threshold figure in the 10% test. The Lenders title insurance was predisclosed as well just at a lower amount from the initial loan amount to closing amount. Please retest as we dispute the refund request amount. xxxxxx. - Seller-04/14/2026 | Cured------Received PCCD xxxxxx with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-04/24/2026 | Long term residence - Long Term Residence = 4+ years<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 54 Months Required = 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011873 | xxxxxx C B A | Closed | xxxxxx | 2026-03-06 13:08 | 2026-03-13 11:28 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received evidence of xxxxxx showing no affiliates. Finding resolved. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. no affiliates letter attached. xxxxxx. - Seller-03/12/2026 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. no affiliates letter attached. xxxxxx. - Seller-03/12/2026<br>| Resolved-Received evidence of xxxxxx showing no affiliates. Finding resolved. - Due Diligence Vendor-03/13/2026 | Long term residence - Long Term Residence = 4+ years<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 54 Months Required = 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011885 | xxxxxx C A | Closed | xxxxxx | 2026-03-06 16:58 | 2026-03-13 09:51 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Updated Note, Mortgage, letter to the borrower, letter to re-record and HUD were provided with the removal of the prepayment penalty. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Ready for Review-Documents provided to void the PPP; Updated Mortgage w/o PPP Rider. Note w/o PPP Addendum. HUD w/o PPP checked. LOE to the Borrower. LOI to re-record. - Due Diligence Vendor-03/13/2026 <br> Open-Prepayment Penalty is not allowed. Loan close Individually. A PPP cannot be applied to an individual or LLC in xxxxxx, only on a C-Corp or S-Corp. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026<br>| Resolved-Updated Note, Mortgage, letter to the borrower, letter to re-record and HUD were provided with the removal of the prepayment penalty. - Due Diligence Vendor-03/13/2026<br>| Long term residence - Borrower has lived in the primary residence for 12 years.<br>Months Reserves exceed minimum required - Min reserves required 2 months. Borrower has 96.25 months in reserves. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011908 | xxxxxx C A | Closed | xxxxxx | 2026-03-12 08:16 | 2026-03-19 13:21 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received evidence of eConsent. Finding resolved. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. Please see attached Cert of Completion. - Seller-03/18/2026 <br>Ready for Review-E-consent uploaded - Due Diligence Vendor-03/18/2026 <br>Open-Missing e-Consent. Please provide e-consent documentation. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. Please see attached Cert of Completion. - Seller-03/18/2026<br>| Resolved-Received evidence of eConsent. Finding resolved. - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 and qualifying at 724.<br>CLTV is less than guidelines maximum - Qualifying LTV 74.67 and max LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011912 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000011921 | xxxxxx D B A | Closed | xxxxxx | 2026-02-19 20:02 | 2026-02-25 10:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Document Uploaded. Client exception granted to allow the higher lease amount. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/24/2026 <br> Open-The Calculated DSCR of '0.999' is less than the minimum DSCR per lender guidelines of '1'. Per guides and matrix qualifying rents must be reduced by any management fee reflected on the appraisal report. Reported fee is 3% per unit which Auditor took off of the Potential Gross (the higher gross income). Income and expense analysis within the report shows a figure of $2,419.65 but this figure is 3% of the Effective Gross Income, not Potential Gross Income. Effective Gross Income is reduced by a 5% vacancy factor where qualifying is the higher Potential Gross as no vacancy was required to be considered. Cannot use the lower management fee as it is not based on the income used towards qualifying. - Due Diligence Vendor-02/20/2026 |  | Waived-Document Uploaded. Client exception granted to allow the higher lease amount. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 805; minimum required 700<br>Months Reserves exceed minimum required - Qualifying reserves 28 months; minimum required 6 months | Qualifying FICO 805; minimum required 700<br> Qualifying reserves 28 months; minimum required 6 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 2000011921 | xxxxxx D B A | Closed | xxxxxx | 2026-02-19 19:48 | 2026-02-24 16:27 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The VOM reflected no late payments to the private lender. - Due Diligence Vendor-02/24/2026 <br> Counter-Upon further review, the extension is in file. Please address the following: October payment is short by $1 ($1 + $999 + $3700.58 = $4700.58 not $4701.58). - Due Diligence Vendor-02/24/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Per Note, subject private lien ballooned xxxxxx which is well over 30 days from the note date. No extension provided. Per 2.6.6.1 loan is currently 1x180x12 (or 3x120+x12 for late at 120 days, 150 days, and 180 days). Housing history is not eligible as guides require 0x30x12. Additionally, October payment is short by $1 ($1 + $999 + $3700.58 = $4700.58 not $4701.58). Additional findings may apply. - Due Diligence Vendor-02/20/2026 |  | Resolved-The VOM reflected no late payments to the private lender. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 805; minimum required 700<br>Months Reserves exceed minimum required - Qualifying reserves 28 months; minimum required 6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011921 | xxxxxx D B A | Closed | xxxxxx | 2026-02-24 08:20 | 2026-02-24 13:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-02/24/2026 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Non-borrower to be removed from policy. - Due Diligence Vendor-02/24/2026 |  | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 805; minimum required 700<br>Months Reserves exceed minimum required - Qualifying reserves 28 months; minimum required 6 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000011925 | xxxxxx D A | Closed | xxxxxx | 2026-03-25 13:54 | 2026-04-22 09:11 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received acceptable housing history for both primary and subject liens. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-xxxxxx was paid off 11/2024 with release information provided and is greater than the required 12 months payments history. The current mortgage with xxxxxx started in xxxxxx. I've provided 12 months history starting from note date of this loan. I have also highlighted the payments for each of the 12 months. Pls review as there is no additional mortgage but the one I have provided. - Seller-04/21/2026 <br> Ready for Review-Document Uploaded. Please find uploaded the xxxxxx Housing History for the subject property. In addition, please re-review xxxxxx, The Sellers response is this lender does not require monthly payments instead has a shared percentage of the equity at full payoff. We provided a quarterly statement to support details. xxxxxx! - Due Diligence Vendor-04/21/2026 <br> Counter-Received Note, extensions and proof of payments for primary residence mortgage. Missing 12 months housing history for subject: 2 mortgages noted on preliminary title. - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. The recent modification shows the current balance and the interest rate. I have attached additional documentation to support the payment history of 12 months where payment amount has changed over time and full history is included. - Seller-04/15/2026 <br> Counter-Same documentation provided. Please provide the Missing Note for the primary confirming payment amount is $23400 and 12 month mortgage payment history for subject property. - Due Diligence Vendor-04/15/2026 <br> Counter-Received 2nd Amended Note on primary and 12 mos payment of $23,400. Missing Note confirming payment amount is $23400. Missing 12 month mortgage payment history for subject property. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Counter-Received recorded mtg on primary. Missing Note and clear 12 month payment history for primary. Missing 12 month mortgage payment history for subject property. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Counter-Review did not receive housing history upload. Please re upload - Due Diligence Vendor-04/07/2026 <br> Ready for Review-The primary home is currently not free of lien. The property has a loan of xxxxxx and is making monthly payments to xxxxxx. The payment is on ACH. Pls see attached 12 months of satisfactory payment history. - Seller-04/06/2026 <br> Open-Housing History Does Not Meet Guideline Requirements 1. Missing 12 month mortgage payment history for subject property. <br> 2. Missing proof that the primary residence is owned F&C a property detail report or similar is required per guidelines. - Due Diligence Vendor-03/25/2026 | Ready for Review-xxxxxx was paid off 11/2024 with release information provided and is greater than the required 12 months payments history. The current mortgage with xxxxxx started in xxxxxx. I've provided 12 months history starting from note date of this loan. I have also highlighted the payments for each of the 12 months. Pls review as there is no additional mortgage but the one I have provided. - Seller-04/21/2026 <br> Ready for Review-Document Uploaded. The recent modification shows the current balance and the interest rate. I have attached additional documentation to support the payment history of 12 months where payment amount has changed over time and full history is included. - Seller-04/15/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Ready for Review-The primary home is currently not free of lien. The property has a loan of xxxxxx and is making monthly payments to xxxxxx. The payment is on ACH. Pls see attached 12 months of satisfactory payment history. - Seller-04/06/2026 | Resolved-Received acceptable housing history for both primary and subject liens. - Due Diligence Vendor-04/22/2026<br>| Months Reserves exceed minimum required - Min 2, Borrower has 42.68<br>Long term residence - Long Term Residence = 6+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011925 | xxxxxx D A | Closed | xxxxxx | 2026-03-25 13:32 | 2026-04-09 13:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received confirmation of investor concentration. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Counter-Received clear copy of HOA questionnaire. Please clarify if condo warrantable or non warrantable and how determined as no indication of investor concentration provided. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. The HOA provided a legible version. But the HOA is not tracking the concentration as there are only xxxxxx units. Pls see attached. - Seller-04/06/2026 <br> Counter-Received condo questionnaire. Investor concentration is incomplete. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. Condo Questionnaire attached. - Seller-03/30/2026 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Condo Questionnaire is missing. - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Ready for Review-Document Uploaded. The HOA provided a legible version. But the HOA is not tracking the concentration as there are only xxxxxx units. Pls see attached. - Seller-04/06/2026 <br> Ready for Review-Document Uploaded. Condo Questionnaire attached. - Seller-03/30/2026 | Resolved-Received confirmation of investor concentration. - Due Diligence Vendor-04/09/2026<br>| Months Reserves exceed minimum required - Min 2, Borrower has 42.68<br>Long term residence - Long Term Residence = 6+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011925 | xxxxxx D A | Closed | xxxxxx | 2026-03-25 15:53 | 2026-04-07 10:24 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received HOA questionnaire confirming subject is not 3 habitable stories and exempt. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Pls see attached Condo questionnaire and the HOA's comments that the Structural does not apply. The floor does not meet the habitable space requirements per xxxxxx building code. Storage or Utility spaces and similar areas are not considered habitable spaces. - Seller-04/06/2026 <br> Counter-Received rebuttal. Review concurs, xxxxxx Milestone inspection is only required on habitable stories. Appraisal and sketch support xxxxxx. Condo questionnaire supports inspection as well. Finding remains. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Structural report is only required when the condo project/building exceeds "three habitable stories" which is an exclusion clause added in 2025. under HB 913. This xxxxxx like xxxxxx. The Structural is not required. - Seller-03/30/2026 <br> Open-The file does not contain the required structural engineer report per state law. Subject is a xxxxxx. - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. Pls see attached Condo questionnaire and the HOA's comments that the Structural does not apply. The floor does not meet the habitable space requirements per xxxxxx building code. Storage or Utility spaces and similar areas are not considered habitable spaces. - Seller-04/06/2026 <br> Ready for Review-Structural report is only required when the condo project/building exceeds "three habitable stories" which is an exclusion clause added in 2025. under HB 913. This condo like townhome only has two livable stories. The Structural is not required. - Seller-03/30/2026 | Resolved-Received HOA questionnaire confirming subject is not 3 habitable stories and exempt. - Due Diligence Vendor-04/07/2026<br>| Months Reserves exceed minimum required - Min 2, Borrower has 42.68<br>Long term residence - Long Term Residence = 6+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000011967 | xxxxxx B A | Closed | xxxxxx | 2026-05-05 13:12 | 2026-05-05 13:12 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-05/05/2026<br>| CLTV is less than guidelines maximum - CLTV 52.91%; max 85%.<br>Long term residence - Owned primary residence for 18 years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012022 | xxxxxx C B A | Closed | xxxxxx | 2026-04-21 10:01 | 2026-06-10 12:54 | Waived | 2 - Non-Material B | Compliance | State Reg | xxxxxx Subprime Loan Test | Waived-Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 7.827% which is in excess of allowable threshold of 6.02% + 1.75 = 7.77% - Due Diligence Vendor-06/10/2026 <br> Open-This loan failed the xxxxxx subprime home loan test. (xxxxxx SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation. While the xxxxxx Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. -----Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 7.827% which is in excess of allowable threshold of 6.02% +1.75 = 7.77% - Due Diligence Vendor-06/10/2026 |  | Waived-Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 7.827% which is in excess of allowable threshold of 6.02% + 1.75 = 7.77% - Due Diligence Vendor-06/10/2026 | Months Reserves exceed minimum required - 19 months cashout reserves exceeds 3 months per guides<br>Qualifying FICO score is at least 20 points above minimum for program - 696 score exceeds min 660 per guides |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012022 | xxxxxx C B A | Closed | xxxxxx | 2026-04-20 15:19 | 2026-06-08 17:29 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Please advise if there is remedy for this condition. We have seen this condition before that usually is Rescinded/Cancelled. xxxxxx! - Due Diligence Vendor-04/22/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Months Reserves exceed minimum required - 19 months cashout reserves exceeds 3 months per guides<br>Qualifying FICO score is at least 20 points above minimum for program - 696 score exceeds min 660 per guides |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012028 | xxxxxx C A | Closed | xxxxxx | 2026-05-04 07:08 | 2026-05-08 11:45 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-05/08/2026 <br>Ready for Review-Document Uploaded. - Seller-05/06/2026 <br>Open-Missing e-Consent. -----Missing E consent. Please provide. - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. - Seller-05/06/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-05/08/2026<br>| Long term residence - 21 years in primary residence per 1003<br>Qualifying FICO score is at least 20 points above minimum for program - 721 mid score exceeds 700 min score per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012029 | xxxxxx C B A | Closed | xxxxxx | 2026-05-06 15:39 | 2026-05-18 10:02 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received LOE that lenders in xxxxxx are required to pay a portion of taxes. This is a state based fee and can adjust at closing. Finding Resolved. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. As the lenders portion of the mortgage tax decreased, we should not be required to refund the borrower for this as it does not impact what they are required to pay. It is not a lender credit but a lender fee in xxxxxx. Please see attached for more descriptive response. xxxxxx. - Seller-05/15/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($761.25) does not exceed or equal the comparable sum of specific and non-specific lender credits ($840.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $840.00 to $761.25 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $78.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is xxxxxx. Please provide coc for decreases. - Due Diligence Vendor-05/06/2026 | Ready for Review-Document Uploaded. As the lenders portion of the mortgage tax decreased, we should not be required to refund the borrower for this as it does not impact what they are required to pay. It is not a lender credit but a lender fee in xxxxxx. Please see attached for more descriptive response. xxxxxx. - Seller-05/15/2026 | Resolved-Received LOE that lenders in xxxxxx are required to pay a portion of taxes. This is a state based fee and can adjust at closing. Finding Resolved. - Due Diligence Vendor-05/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 726; guidelines require 700.<br>Months Reserves exceed minimum required - 45.95 months reserves; 3 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012029 | xxxxxx C B A | Closed | xxxxxx | 2026-05-11 12:05 | 2026-05-13 10:01 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-05/13/2026 <br>Ready for Review-Document Uploaded. please find credit report inquiry letter attached. xxxxxx. - Seller-05/11/2026 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-05/11/2026 | Ready for Review-Document Uploaded. please find credit report inquiry letter attached. xxxxxx. - Seller-05/11/2026<br>| Resolved-Received credit inquiry LOE. - Due Diligence Vendor-05/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 726; guidelines require 700.<br>Months Reserves exceed minimum required - 45.95 months reserves; 3 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012029 | xxxxxx C B A | Closed | xxxxxx | 2026-05-07 08:22 | 2026-05-11 13:06 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.362% is within allowable threshold of APOR of 6.02% + 1.75% or 7.77% - Due Diligence Vendor-05/11/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.362% is within allowable threshold of APOR of 6.02% + 1.75% or 7.77%. - Due Diligence Vendor-05/07/2026 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.362% is within allowable threshold of APOR of 6.02% + 1.75% or 7.77% - Due Diligence Vendor-05/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 726; guidelines require 700.<br>Months Reserves exceed minimum required - 45.95 months reserves; 3 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012029 | xxxxxx C B A | Closed | xxxxxx | 2026-05-06 14:36 | 2026-05-06 14:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 726; guidelines require 700.<br>Months Reserves exceed minimum required - 45.95 months reserves; 3 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012042 | xxxxxx B A | Closed | xxxxxx | 2026-04-24 17:48 | 2026-04-24 17:48 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/24/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-04/24/2026<br>| CLTV is less than guidelines maximum - Max CLTV 90% / Subject CLTV 67.43%<br>Qualifying DTI below maximum allowed - Max DTI 50% / Borrower DTI 38.9% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012059 | xxxxxx C B A | Closed | xxxxxx | 2026-04-20 09:41 | 2026-04-22 08:44 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Received evidence of delivery and acknowledgement, Finding resolved. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. see attached proof of final le delivery & acknowledgement. xxxxxx. - Seller-04/21/2026 <br> Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ----- Please provide receipt date for Final LE issued xxxxxx. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. see attached proof of final le delivery & acknowledgement. xxxxxx. - Seller-04/21/2026<br>| Resolved-Received evidence of delivery and acknowledgement, Finding resolved. - Due Diligence Vendor-04/22/2026<br>| Qualifying DTI below maximum allowed - 32% DTI is less than 50% max per guides<br>CLTV is less than guidelines maximum - 58.66% CLTV is less than 90% max per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012059 | xxxxxx C B A | Closed | xxxxxx | 2026-04-21 05:19 | 2026-04-21 05:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Exception approved to allow 710 FICO on CES xxxxxx primary residence. - Due Diligence Vendor-04/21/2026 <br> Open-Audited FICO of 710 is less than Guideline FICO of 720 Exception in file for wage earner with 710 FICO on CES in xxxxxx primary residence - Due Diligence Vendor-04/21/2026 |  | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Exception approved to allow 710 FICO on CES xxxxxx primary residence. - Due Diligence Vendor-04/21/2026 | Qualifying DTI below maximum allowed - 32% DTI is less than 50% max per guides<br>CLTV is less than guidelines maximum - 58.66% CLTV is less than 90% max per guides | Low LTV<br> Low DTI<br> 13 years in current primary | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012059 | xxxxxx C B A | Closed | xxxxxx | 2026-04-20 09:14 | 2026-04-20 09:14 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-04/20/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. - Due Diligence Vendor-04/20/2026<br>| Qualifying DTI below maximum allowed - 32% DTI is less than 50% max per guides<br>CLTV is less than guidelines maximum - 58.66% CLTV is less than 90% max per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012066 | xxxxxx C B A | Closed | xxxxxx | 2026-05-07 11:06 | 2026-06-10 09:45 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- APR on subject loan of 7.237% is within allowable threshold of APOR of 6.12% + 1.75% or 7.87%. - Due Diligence Vendor-06/10/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- APR on subject loan of 7.237% is within allowable threshold of APOR of 6.12% + 1.75% or 7.87%. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Please advise if there is a cure/remedy for this. We have seen this condition in the past and it is usually cancelled. xxxxxx! - Due Diligence Vendor-05/12/2026 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- APR on subject loan of 7.237% is within allowable threshold of APOR of 6.12% + 1.75% or 7.87%. - Due Diligence Vendor-06/10/2026 | Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 31.91%.<br>LTV is less than guideline maximum - Max LTV is 75%; qualifying LTV is 64.52%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012066 | xxxxxx C B A | Closed | xxxxxx | 2026-05-11 12:39 | 2026-05-21 12:22 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received fraud participation list confirming all parties. - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. participant lists updated to include settlement company & settlement agent. - Seller-05/19/2026 <br> Counter-Reviewed document provided. Per GL 2.6.3.1 Settlement xxxxxx are missing from LDP/EPLS/OFAC on the fraud report. We must capture all parties to the transaction - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. - Seller-05/14/2026 <br> Counter-Received rebuttal. Please provide updated fraud report reflecting Appraiser and Appraisal company included within participation search meeting requirements of 2.6.3.1 - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Please re-review. G/L does not require for the appraiser/company and Title; 2.6.3.2 OFAC SEARCH. 2.6.3.2.1 INDIVIDUALS. - Due Diligence Vendor-05/12/2026 <br> Open-OFAC Check Not Completed and/or Cleared for Appraiser and Appraisal Company and Title Company - Due Diligence Vendor-05/11/2026 | Ready for Review-Document Uploaded. participant lists updated to include settlement company & settlement agent. - Seller-05/19/2026 <br>Ready for Review-Document Uploaded. - Seller-05/14/2026<br>| Resolved-Received fraud participation list confirming all parties. - Due Diligence Vendor-05/21/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 31.91%.<br>LTV is less than guideline maximum - Max LTV is 75%; qualifying LTV is 64.52%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012066 | xxxxxx C B A | Closed | xxxxxx | 2026-05-06 17:07 | 2026-05-06 17:07 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/06/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/06/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50%; qualifying DTI is 31.91%.<br>LTV is less than guideline maximum - Max LTV is 75%; qualifying LTV is 64.52%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012067 | xxxxxx C A | Closed | xxxxxx | 2026-04-22 14:24 | 2026-04-29 16:50 | Resolved | 1 - Information C A | Property | Property | Property Issues are Present | Resolved-Upon further review, non material designation by appraiser. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Please clarify where it shows that the property is still xxxxxx. - Seller-04/28/2026 <br> Ready for Review-URAR: Improvements does not indicate the property is xxxxxx. It explains about the 'recent construction' that there are some incomplete items described as xxxxxx, and the property was given a C4 condition rating, consistent with a livable home with xxxxxx. - Due Diligence Vendor-04/28/2026 <br> Open-The appraiser has checked that they subject property is under xxxxxx and then checked property is as is. Need clarification correction. - Due Diligence Vendor-04/22/2026 | Ready for Review-Please clarify where it shows that the property is still xxxxxx. - Seller-04/28/2026 | Resolved-Upon further review, non material designation by appraiser. - Due Diligence Vendor-04/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 744 > 660<br>Months Reserves exceed minimum required - 113 months available, 2 required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012067 | xxxxxx C A | Closed | xxxxxx | 2026-04-23 08:39 | 2026-04-28 10:51 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-04/28/2026 <br>Ready for Review-Document Uploaded. - Seller-04/24/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. LCA in file has no score. - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. - Seller-04/24/2026<br>| Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-04/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 744 > 660<br>Months Reserves exceed minimum required - 113 months available, 2 required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012072 | xxxxxx C A | Closed | xxxxxx | 2026-04-14 10:54 | 2026-04-24 12:32 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received operating agreement confirming 50% ownership of business and asset. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. - Seller-04/22/2026 <br> Counter-Received statement of information for LLC. Please provide operating agreement confirming 100% owner or CPA letter. Missing a signed statement from the business of xxxxxx to support the borrower's ownership - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Seller-04/17/2026 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing a signed statement from the business of xxxxxx to support the borrower's ownership on the bank statement ending 7557 since used to source the EMD and used for reserves and closing. - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. - Seller-04/22/2026 <br>Ready for Review-Document Uploaded. - Seller-04/17/2026<br>| Resolved-Received operating agreement confirming 50% ownership of business and asset. - Due Diligence Vendor-04/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 660 is higher than the required 733<br>Months Reserves exceed minimum required - 95.22 months reserves exceed required 4 by 91.223 months<br>Qualifying DTI below maximum allowed - DTI 29.60% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012072 | xxxxxx C A | Closed | xxxxxx | 2026-04-13 05:02 | 2026-04-20 10:43 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-04/20/2026 <br>Ready for Review-Document Uploaded. - Seller-04/17/2026 <br>Counter-Review is unable to locate the complete security instrument with legal description attached. Please provide security instrument with legal included in document chain. - Due Diligence Vendor-04/16/2026 <br>Counter-Review is unable to locate the complete security instrument with legal description attached. Please provide security instrument with legal included in document chain. - Due Diligence Vendor-04/16/2026 <br>Ready for Review-Exhibit A is on page 114. - Due Diligence Vendor-04/15/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Exhibit A is not with the DOT - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. - Seller-04/17/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-04/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 660 is higher than the required 733<br>Months Reserves exceed minimum required - 95.22 months reserves exceed required 4 by 91.223 months<br>Qualifying DTI below maximum allowed - DTI 29.60% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012075 | xxxxxx C A | Closed | xxxxxx | 2026-04-21 06:35 | 2026-04-22 11:34 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Audited Loan Amount is less than or equal to the Guideline Maximum Loan Amount of $750000. Matrix updated based on lock date. - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Emailed the TPR: There is a condition stating the loan amount of xxxxxx exceeds xxxxxx guidelines. This is a xxxxxx. I think the reviewer might have gotten the HELOC guidelines mixed up. Will you please take a look. <br>- Due Diligence Vendor-04/21/2026 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $500000 Loan file is missing an Approved Exception for loan amount exceeding $500,000 as subject closed as xxxxxx. - Due Diligence Vendor-04/21/2026 |  | Resolved-Audited Loan Amount is less than or equal to the Guideline Maximum Loan Amount of $750000. Matrix updated based on lock date. - Due Diligence Vendor-04/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 790 higher than the 680 required <br>Additional assets not used to qualify - Assets 206.42 months higher than 0 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012077 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2000012079 | xxxxxx B A | Closed | xxxxxx | 2026-04-07 07:19 | 2026-04-08 10:24 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non-material finding . Loan is vested in an LLC. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-I emailed the TPR - this is an invalid condition and please waive. - Due Diligence Vendor-04/08/2026 <br> Open-Per xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC. <br> - Due Diligence Vendor-04/07/2026 |  | Waived-Client waiver applied to non-material finding . Loan is vested in an LLC. - Due Diligence Vendor-04/08/2026<br>| Months Reserves exceed minimum required - 10.27 months PITIA reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 739 min score 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000012094 | xxxxxx C A | Closed | xxxxxx | 2026-04-15 11:31 | 2026-06-08 17:38 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> - Due Diligence Vendor-04/15/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - DTI is 26.74% - Max is 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 705 - min is 680 - 25 pts above |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012108 | xxxxxx D B A | Closed | xxxxxx | 2026-05-04 19:00 | 2026-06-05 10:01 | Waived | 2 - Non-Material C B | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Waived--Client provided xxxxxx credit for with scores for all 3 bureaus which support borrower credit profile being consistent with all 3 bureaus at time of origination. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-05/29/2026 <br>Ready for Review-Please waive with compensating factors. (1) FICO 716 over min 660. (2) Same employer > 6 yrs. (3) Current primary owned > 10 yrs. (4) Mtg history 0x30x82. - Due Diligence Vendor-05/12/2026 <br>Ready for Review-Document Uploaded. - Seller-05/12/2026 <br>Open-Borrower 1 Credit Report is Partially Present. All borrowers must have a minimum of (2) FICO scores on a tri-merged credit report and sufficient credit experience. The credit report indicates only 2 of the 3 bureaus were utilized. - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. - Seller-05/12/2026<br>| Waived--Client provided xxxxxx credit for with scores for all 3 bureaus which support borrower credit profile being consistent with all 3 bureaus at time of origination. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-05/29/2026<br>| Months Reserves exceed minimum required - 4 months reserves required. Borrower has 10 months.<br>Qualifying FICO score is at least 20 points above minimum for program - 716 exceeds min 660 per guides.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $12,148 exceeds $5250 | (1) FICO 716 over min 660. <br> (2) Same employer > 6 yrs. <br> (3) Current primary owned > 10 yrs. <br> (4) Mtg history 0x30x82. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000012108 | xxxxxx D B A | Closed | xxxxxx | 2026-05-04 19:01 | 2026-05-29 09:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Incomplete | Resolved--xxxxxx credit report for all 3 bureaus provided. - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Please advise whether an exception can be granted. - Seller-05/12/2026 <br> Counter-Received duplicate document. Credit refresh only utilized 2 repositories xxxxxx. Please provide tri-merged report. - Due Diligence Vendor-05/07/2026 <br> Counter-Received Credit Refresh with 2 bureaus pulled. Missing clarification of credit report reflecting only 2 bureaus to confirm refresh is acceptable. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Credit refresh attached. - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. - Seller-05/05/2026 <br> Open-Borrower 1 Gap Credit Report is Partially Present. The gap credit report reflects only 2 of the 3 bureaus were utilized. - Due Diligence Vendor-05/04/2026 | Ready for Review-Please advise whether an exception can be granted. - Seller-05/12/2026 <br>Ready for Review-Document Uploaded. - Seller-05/05/2026<br>| Resolved--xxxxxx credit report for all 3 bureaus provided. - Due Diligence Vendor-05/29/2026<br>| Months Reserves exceed minimum required - 4 months reserves required. Borrower has 10 months.<br>Qualifying FICO score is at least 20 points above minimum for program - 716 exceeds min 660 per guides.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $12,148 exceeds $5250 | (1) FICO 716 over min 660. <br> (2) Same employer > 6 yrs. <br> (3) Current primary owned > 10 yrs. <br> (4) Mtg history 0x30x82. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012108 | xxxxxx D B A | Closed | xxxxxx | 2026-05-04 14:57 | 2026-05-08 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received ratified contract. - Due Diligence Vendor-05/08/2026 <br>Ready for Review-Purchase contract attached. - Due Diligence Vendor-05/07/2026 <br>Ready for Review-Document Uploaded. - Seller-05/07/2026 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. Provide the purchase contract and all applicable addendums. Additional conditions may apply. - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. - Seller-05/07/2026<br>| Resolved-Received ratified contract. - Due Diligence Vendor-05/08/2026<br>| Months Reserves exceed minimum required - 4 months reserves required. Borrower has 10 months.<br>Qualifying FICO score is at least 20 points above minimum for program - 716 exceeds min 660 per guides.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $12,148 exceeds $5250 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012108 | xxxxxx D B A | Closed | xxxxxx | 2026-05-04 18:52 | 2026-05-08 10:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received 103 confirming large deposit back out of available balance. - Due Diligence Vendor-05/08/2026 <br> Ready for Review-1003 attached showing the large deposit excluded from the final asset balance. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. $39400 HAS BEEN DEDUCTED FROM THE FINAL BALANCE - Seller-05/07/2026 <br> Open-A single deposit that exceeds 100% of the total monthly qualifying income is to be sourced for purchase transactions. Provide source of $39,400 deposit into xxxxxx acct xxxxxx on 4/10/2026. Additional conditions may apply pending review. - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. $39400 HAS BEEN DEDUCTED FROM THE FINAL BALANCE - Seller-05/07/2026<br>| Resolved-Received 103 confirming large deposit back out of available balance. - Due Diligence Vendor-05/08/2026<br>| Months Reserves exceed minimum required - 4 months reserves required. Borrower has 10 months.<br>Qualifying FICO score is at least 20 points above minimum for program - 716 exceeds min 660 per guides.<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $12,148 exceeds $5250 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012116 | xxxxxx B A | Closed | xxxxxx | 2026-05-13 14:48 | 2026-05-13 14:48 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026<br>| Qualifying DTI below maximum allowed - DTI is 31.58%. Maximum DTI is 50%.<br>LTV is less than guideline maximum - LTV is 80, maximum LTV is 85 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000012117 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 2000012119 | xxxxxx C A | Closed | xxxxxx | 2026-05-04 16:47 | 2026-05-08 10:25 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-05/08/2026 <br>Ready for Review-Final title policy attached. - Due Diligence Vendor-05/07/2026 <br>Ready for Review-Document Uploaded. - Seller-05/07/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. - Seller-05/07/2026<br>| Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-05/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 748 is more than 20 points higher than the guideline min of 680<br>Qualifying DTI below maximum allowed - Qualifying DTI 30.85 is less than the guideline max of 45 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012120 | xxxxxx C A B | Closed | xxxxxx | 2026-04-21 16:29 | 2026-04-22 15:32 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Loan amount >= $1,000,000 or LTV > 75%: 4 months Principal & Interest payment required for reserves. Audited Reserves of 4.84 months are greater than or equal to Guideline Required Reserves of 4 months. - Due Diligence Vendor-04/22/2026 <br>Ready for Review-Total available asset after EMD is $331,941.23 - cash from borrower $296,450.93 = $35,490.30 available for reserves. Required reserves amount is $29,320.24 (4-months principal & interest). <br> - Due Diligence Vendor-04/22/2026 <br>Open-Audited Reserves of 3.94 month(s) are less than Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-04/21/2026 |  | Resolved-Loan amount >= $1,000,000 or LTV > 75%: 4 months Principal & Interest payment required for reserves. Audited Reserves of 4.84 months are greater than or equal to Guideline Required Reserves of 4 months. - Due Diligence Vendor-04/22/2026<br>| Qualifying DTI below maximum allowed - 39% exceeds 50% max per guides<br>Qualifying FICO score is at least 20 points above minimum for program - 790 score exceeds 660 min per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012120 | xxxxxx C A B | Closed | xxxxxx | 2026-04-20 16:28 | 2026-04-22 15:02 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/22/2026 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-04/22/2026<br>| Qualifying DTI below maximum allowed - 39% exceeds 50% max per guides<br>Qualifying FICO score is at least 20 points above minimum for program - 790 score exceeds 660 min per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012127 | xxxxxx C B A | Closed | xxxxxx | 2026-05-06 16:33 | 2026-05-18 16:05 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-05/06/2026 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material Findings. <br> - Due Diligence Vendor-05/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 796; guidelines require 700.<br>Long term residence - 22 Years. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012127 | xxxxxx C B A | Closed | xxxxxx | 2026-05-11 14:59 | 2026-05-15 10:38 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries, no new debt acquired - Due Diligence Vendor-05/15/2026 <br>Ready for Review-Document Uploaded. Please find credit inquiry letter attached. xxxxxx. - Seller-05/14/2026 <br>Unable to Resolve-Unable to Resolve-LOX for credit inquiries is missing. - Due Diligence Vendor-05/12/2026 <br>Ready for Review-LOX for credit inquiries is missing. - Due Diligence Vendor-05/12/2026 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-05/11/2026 | Ready for Review-Document Uploaded. Please find credit inquiry letter attached. xxxxxx. - Seller-05/14/2026<br>| Resolved-Received LOX for credit inquiries, no new debt acquired - Due Diligence Vendor-05/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 796; guidelines require 700.<br>Long term residence - 22 Years. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012127 | xxxxxx C B A | Closed | xxxxxx | 2026-05-06 16:52 | 2026-05-15 09:19 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received notification of borrower's receipt. Finding Resolved. - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. Please find attached the proof of electronic delivery and receipt of initial CD along with proof of contents & actual initial cd. xxxxxx. - Seller-05/14/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Option 1: Initial CD xxxxxx is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-05/06/2026 | Ready for Review-Document Uploaded. Please find attached the proof of electronic delivery and receipt of initial CD along with proof of contents & actual initial cd. xxxxxx. - Seller-05/14/2026<br>| Resolved-Received notification of borrower's receipt. Finding Resolved. - Due Diligence Vendor-05/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 796; guidelines require 700.<br>Long term residence - 22 Years. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012128 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 2000012129 | xxxxxx C B A | Closed | xxxxxx | 2026-04-29 14:23 | 2026-06-05 12:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan is a second lien with full appraisal, meeting HPML compliance. - Due Diligence Vendor-06/05/2026 |  | Resolved-Loan is a second lien with full appraisal, meeting HPML compliance. - Due Diligence Vendor-06/05/2026<br>| Long term residence - Long Term Residence = 21+ years<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012129 | xxxxxx C B A | Closed | xxxxxx | 2026-04-29 14:23 | 2026-05-29 10:28 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx GRBB Part 41 High Cost Home Loan Points and Fees Threshold Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-05/29/2026 <br> Counter-We are looking for the start rate which is not located on your worksheet. The only rate on the sheet is the final interest rate. Finding Remains. - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. - Seller-05/05/2026 <br> Open-This loan failed the points and fees threshold test due to one of the following findings:<br> (xxxxxx GRBB Part 41.1(e)(6)(iii))The total points and fees, as defined in the legislation, exceed 5% of the total loan amount, as defined in the legislation, if the total loan amount is xxxxxx or more.The total points and fees exceed 6% of the total loan amount if the total loan amount is xxxxxx or more and the loan is a purchase money loan guaranteed by the xxxxxx.The total points and fees exceed the greater of 6% of the total loan amount or xxxxxx, if the total loan amount is less than xxxxxx. - Due Diligence Vendor-04/29/2026 | Ready for Review-Document Uploaded. - Seller-05/05/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-05/29/2026<br>| Long term residence - Long Term Residence = 21+ years<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012129 | xxxxxx C B A | Closed | xxxxxx | 2026-04-29 14:23 | 2026-05-29 10:28 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx AB 11856 High Cost Home Loan Mandatory Escrow Account Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-05/29/2026 <br>Counter-We are looking for the start rate which is not located on your worksheet. The only rate on the sheet is the final interest rate. Finding Remains. - Due Diligence Vendor-05/06/2026 <br>Ready for Review-Document Uploaded. - Seller-05/05/2026 <br>Open------Missing undiscounted, starting or par rate, unable to test properly, please provide. Additional findings may apply upon receipt. - Due Diligence Vendor-04/29/2026 | Ready for Review-Document Uploaded. - Seller-05/05/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-05/29/2026<br>| Long term residence - Long Term Residence = 21+ years<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012129 | xxxxxx C B A | Closed | xxxxxx | 2026-04-29 14:23 | 2026-05-29 10:27 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx GRBB Part 41 High Cost Home Loan DTI Presumption Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-05/29/2026 <br> Counter-We are looking for the start rate which is not located on your worksheet. The only rate on the sheet is the final interest rate. Finding Remains. - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. rate worksheet attached - Seller-05/05/2026 <br> Open-This loan failed the DTI presumption test due to one of the following findings:<br> (xxxxxx GRBB Part 41.3(b))The borrower's debt-to-income (DTI) ratio exceeds 50%.The DTI ratio of the borrower was not provided.The DTI ratio is one of several factors that should be considered when making any high cost home loan.PLEASE NOTE: This result is not a determination that the lender reasonably believes at the time the loan is made that the borrower will be able to make the scheduled payments associated with the high cost home loan.See High Cost Home Loan Repayment Ability Legislative Summary Alert (below) for full repayment ability requirements. - Due Diligence Vendor-04/29/2026 | Ready for Review-Document Uploaded. rate worksheet attached - Seller-05/05/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-05/29/2026<br>| Long term residence - Long Term Residence = 21+ years<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012129 | xxxxxx C B A | Closed | xxxxxx | 2026-04-29 14:23 | 2026-05-29 10:26 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx AB 11856 High Cost Home Loan DTI Presumption Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-05/29/2026 <br> Counter-We are looking for the start rate which is not located on your worksheet. The only rate on the sheet is the final interest rate. Finding Remains. - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. - Seller-05/05/2026 <br> Open-This loan failed the DTI presumption test due to one of the following findings:<br> (xxxxxx AB 11856 §1, 6-L (2)(k))The debt-to-income (DTI) ratio of the borrower of the high-cost home loan exceeds 50%.The DTI ratio of the borrower was not provided.The DTI ratio is one of several factors that should be considered when making any high-cost home loan.PLEASE NOTE: This result is not a determination that the lender reasonably believes at the time the loan is made that the borrower will be able to make the scheduled payments associated with the high-cost home loan.See High Cost Home Loan Prohibited Practices Legislative Summary Alert (below) for full repayment ability requirements. - Due Diligence Vendor-04/29/2026 | Ready for Review-Document Uploaded. - Seller-05/05/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-05/29/2026<br>| Long term residence - Long Term Residence = 21+ years<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012129 | xxxxxx C B A | Closed | xxxxxx | 2026-04-29 14:23 | 2026-05-29 10:26 | Resolved | 1 - Information C A | Compliance | Points & Fees | xxxxxx AB 11856 High Cost Home Loan Points and Fees Threshold Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. all compliance tests are attached. If this doesnt clear, please post your tests so we can compare where the discrepancy is. Note we closed this at 44.35% debt ratio. xxxxxx. - Seller-05/28/2026 <br> Counter-We are looking for the start rate which is not located on your worksheet. The only rate on the sheet is the final interest rate. Finding Remains. - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. - Seller-05/05/2026 <br> Open-This loan failed the points and fees threshold test due to one of the following findings:<br> (xxxxxx AB 11856 §1, 6-L (1)(g)(ii))The total points and fees (as defined in xxxxxx AB 11856) exceed five percent of the total loan amount (as defined in xxxxxx AB 11856) if the total loan amount is xxxxxx or more.The total points and fees exceed six percent of the total loan amount if the total loan amount is xxxxxx or more and the loan is a purchase money loan guaranteed by the xxxxxx.The total points and fees exceed the greater of six percent of the total loan amount or xxxxxx, if the total loan amount is less than xxxxxx. - Due Diligence Vendor-04/29/2026 | Ready for Review-Document Uploaded. all compliance tests are attached. If this doesnt clear, please post your tests so we can compare where the discrepancy is. Note we closed this at 44.35% debt ratio. xxxxxx. - Seller-05/28/2026 <br>Ready for Review-Document Uploaded. - Seller-05/05/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-05/29/2026<br>| Long term residence - Long Term Residence = 21+ years<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012129 | xxxxxx C B A | Closed | xxxxxx | 2026-04-29 13:59 | 2026-05-06 12:48 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-05/06/2026 <br>Ready for Review-Document Uploaded. xxxxxx e consent log attached. xxxxxx. - Seller-05/05/2026 <br>Open-Missing e-Consent. Please provide Borrower's acknowledgement of e-consent - Due Diligence Vendor-04/29/2026 | Ready for Review-Document Uploaded. xxxxxx e consent log attached. xxxxxx. - Seller-05/05/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-05/06/2026<br>| Long term residence - Long Term Residence = 21+ years<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012129 | xxxxxx C B A | Closed | xxxxxx | 2026-04-29 14:43 | 2026-05-04 15:41 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 9.942% is within allowable threshold of APOR of 6.43% + 3.75% or 10.18%. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Please advise what the remediation to cure this is! xxxxxx! - Due Diligence Vendor-05/01/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 9.942% is within allowable threshold of APOR of 6.43% + 3.75% or 10.18%. <br> - Due Diligence Vendor-04/29/2026 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 9.942% is within allowable threshold of APOR of 6.43% + 3.75% or 10.18%. - Due Diligence Vendor-05/04/2026 | Long term residence - Long Term Residence = 21+ years<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012129 | xxxxxx C B A | Closed | xxxxxx | 2026-04-30 08:42 | 2026-04-30 08:42 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing originator waiver applied to non-material findings - Due Diligence Vendor-04/30/2026 |  | Waived-Required Affiliated Business Disclosure Missing originator waiver applied to non-material findings - Due Diligence Vendor-04/30/2026<br>| Long term residence - Long Term Residence = 21+ years<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 722 Min FICO = 680 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 2000012138 | xxxxxx C A | Closed | xxxxxx | 2026-04-22 08:46 | 2026-04-23 16:11 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, file contained all credit documentation. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-This is not required per xxxxxx guidelines. The 1003 has "No Primary Housing" checked and 1008 notes the borrower has no housing payments that can be verified. - Due Diligence Vendor-04/22/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter. - Due Diligence Vendor-04/22/2026 |  | Resolved-Upon further review, file contained all credit documentation. - Due Diligence Vendor-04/23/2026<br>| Additional verified income not used to qualify - Wage income not used to qualify<br>Qualifying FICO score is at least 20 points above minimum for program - 744 exceeds min 680 score per guides |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012142 | xxxxxx D A C | Closed | xxxxxx | 2026-04-30 15:23 | 2026-06-05 12:16 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-06/05/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-04/30/2026 |  | Resolved-Loan contains full appraisal and escrows, meeting HPML compliance. - Due Diligence Vendor-06/05/2026<br>| LTV is less than guideline maximum - LTV 64.1 max 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 735 min score 700 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012142 | xxxxxx D A C | Closed | xxxxxx | 2026-05-04 12:23 | 2026-05-27 12:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received confirmation of length of self-employment. - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. - Seller-05/26/2026 <br> Counter-Received tax preparer letter confirming 100% ownership. Missing confirmation of 2+ years self-employed as tax preparer only provide incorporation date xxxxxx. Must meet guidelines xxxxxx and xxxxxx-Bank Statements 2.8.6.1.1 - Due Diligence Vendor-05/14/2026 <br> Ready for Review-Document Uploaded. - Seller-05/13/2026 <br> Open-Borrower 1 CPA Letter Missing Missing CPA letter verifying the length of existence of the business and verification of percentage of the borrower's ownership interest. - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. - Seller-05/26/2026 <br>Ready for Review-Document Uploaded. - Seller-05/13/2026<br>| Resolved-Received confirmation of length of self-employment. - Due Diligence Vendor-05/27/2026<br>| LTV is less than guideline maximum - LTV 64.1 max 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 735 min score 700 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012142 | xxxxxx D A C | Closed | xxxxxx | 2026-04-30 15:23 | 2026-05-08 12:41 | Resolved | 1 - Information C A | Compliance | Points & Fees | MD xxxxxx Higher-Priced Mortgage Loan Test | Resolved-HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. - Seller-05/07/2026 <br> Open-This loan failed the xxxxxx higher-priced mortgage loan test. (xxxxxx 09.03.06.02B(13) , xxxxxx 09.03.09.02B(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 xxxxxx Regulations (xxxxxx).While the xxxxxx provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. ----- Statute of limitations – One year; Expiration date: xxxxxx - Due Diligence Vendor-04/30/2026 | Ready for Review-Document Uploaded. - Seller-05/07/2026<br>| Resolved-HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-05/08/2026<br>| LTV is less than guideline maximum - LTV 64.1 max 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 735 min score 700 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012142 | xxxxxx D A C | Closed | xxxxxx | 2026-04-30 15:23 | 2026-05-08 11:41 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Correct notary date entered. Finding Resolved. - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. Loan closed xxxxxx, rescission date is three days xxxxxx, Right to cancel is correct, please re-review. - Seller-05/07/2026 <br> Ready for Review-From Seller: Document Uploaded. Loan closed xxxxxx, rescission date is three days xxxxxx, Right to cancel is correct, please re-review. - Due Diligence Vendor-05/07/2026 <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 Cancel of Date on the Right to Cancel doc is xxxxxx and is less than three days from the closing date of xxxxxx. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days. The notary date is unreadable, please clarify correct notary date. - Due Diligence Vendor-04/30/2026 | Ready for Review-Document Uploaded. Loan closed xxxxxx, rescission date is three days xxxxxx, Right to cancel is correct, please re-review. - Seller-05/07/2026 | Resolved-Correct notary date entered. Finding Resolved. - Due Diligence Vendor-05/08/2026<br>| LTV is less than guideline maximum - LTV 64.1 max 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 735 min score 700 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012142 | xxxxxx D A C | Closed | xxxxxx | 2026-04-30 15:23 | 2026-05-08 11:41 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-05/08/2026 <br> Ready for Review-From Seller: Document Uploaded. xxxxxx COC affecting settlement charges. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. xxxxxx COC affecting settlement charges - Seller-05/07/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4,500.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $4,500.00 Transfer Taxes without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $4,500.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/30/2026 | Ready for Review-Document Uploaded. xxxxxx COC affecting settlement charges - Seller-05/07/2026 | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-05/08/2026<br>| LTV is less than guideline maximum - LTV 64.1 max 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 735 min score 700 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012142 | xxxxxx D A C | Closed | xxxxxx | 2026-05-04 16:29 | 2026-05-08 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis. - Due Diligence Vendor-05/08/2026 <br>Ready for Review-Document Uploaded. - Seller-05/07/2026 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. - Seller-05/07/2026<br>| Resolved-Received business bank statement analysis. - Due Diligence Vendor-05/08/2026<br>| LTV is less than guideline maximum - LTV 64.1 max 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 735 min score 700 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012148 | xxxxxx D A | Closed | xxxxxx | 2026-04-27 09:46 | 2026-05-04 14:51 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Credit findings have been resolved. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. xxxxxx account was already paid off with the hard money loan. Please see attached <br> - Seller-05/01/2026 <br> Ready for Review-Document Uploaded. Please see guidance "PITIA may be excluded provided the credit file is documented with the following:<br> o The executed sales contract for the current residence, and<br> o Confirmation that any financing contingencies have been cleared." - Seller-05/01/2026 <br> Ready for Review-xxxxxx was paid off with hard money loan - Due Diligence Vendor-05/01/2026 <br> Counter-Still outstanding: . 1003 shows xxxxxx and Figure Lending accounts paid off and were not considered in the DTI however no documentation found reflecting paid off. Closing Disclosure reflects $0. - Due Diligence Vendor-05/01/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. 1003 shows xxxxxx and Figure Lending accounts paid off and were not considered in the DTI however no documentation found reflecting paid off. Closing Disclosure reflects $0.<br> 2. Missing proof of sale of REO xxxxxx and payoff of the attached lien.<br> 3. B2 Sch C and Sch 1and complete 1040's not found to support self employed income - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. xxxxxx account was already paid off with the hard money loan. Please see attached <br> - Seller-05/01/2026 <br> Ready for Review-Document Uploaded. Please see guidance "PITIA may be excluded provided the credit file is documented with the following:<br> o The executed sales contract for the current residence, and<br> o Confirmation that any financing contingencies have been cleared." - Seller-05/01/2026 | Resolved-Credit findings have been resolved. - Due Diligence Vendor-05/04/2026<br>| Additional assets not used to qualify - Bank Statement provided with additional assets that were not needed as reserves are not needed per guides<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $11,500 exceeds $5250 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012148 | xxxxxx D A | Closed | xxxxxx | 2026-04-27 09:33 | 2026-05-04 13:22 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received documentation to support the pay off. - Due Diligence Vendor-05/04/2026 <br> Ready for Review-Document Uploaded. xxxxxx account was already paid off with the hard money loan. xxxxxx<br> - Seller-05/01/2026 <br> Counter-1003 shows xxxxxx and Figure Lending accounts paid off and were not considered in the DTI however no documentation found reflecting paid off. Closing Disclosure reflects $0. - Due Diligence Vendor-04/29/2026 <br> Counter-Receive duplicate Final CD. Finding remains. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/28/2026 <br> Open-1003 shows xxxxxx and Figure Lending accounts paid off and were not considered in the DTI however no documentation found reflecting paid off. Closing Disclosure reflects $0. - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. xxxxxx account was already paid off with the hard money loan. xxxxxx<br> - Seller-05/01/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/28/2026 | Resolved-Received documentation to support the pay off. - Due Diligence Vendor-05/04/2026<br>| Additional assets not used to qualify - Bank Statement provided with additional assets that were not needed as reserves are not needed per guides<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $11,500 exceeds $5250 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012148 | xxxxxx D A | Closed | xxxxxx | 2026-04-27 09:32 | 2026-05-01 13:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Proof COS contingencies have been cleared for pending sale. PITI does not need to be included in DTI. - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. Please see xxxxxx Guidance along with contract showing all contingencies removed - all cash sale "PITIA may be excluded provided the credit file is documented with the following:<br> o The executed sales contract for the current residence, and<br> o Confirmation that any financing contingencies have been cleared." - Seller-04/30/2026 <br> Counter-Received revised 1003 and confirmation property not sold. Missing PITIA validation-mortgage statement reflects only PMI escrowed. Need RE taxes, HOI and HOA, 1008 reflecting included in qualifying DTI. Max dti 50.00%. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Please see attached T/Y - Seller-04/28/2026 <br> Open-Missing proof of sale of REO xxxxxx and payoff of the attached lien. - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. Please see xxxxxx Guidance along with contract showing all contingencies removed - all cash sale "PITIA may be excluded provided the credit file is documented with the following:<br> o The executed sales contract for the current residence, and<br> o Confirmation that any financing contingencies have been cleared." - Seller-04/30/2026 <br> Ready for Review-Document Uploaded. Please see attached T/Y - Seller-04/28/2026 | Resolved-Proof COS contingencies have been cleared for pending sale. PITI does not need to be included in DTI. - Due Diligence Vendor-05/01/2026<br>| Additional assets not used to qualify - Bank Statement provided with additional assets that were not needed as reserves are not needed per guides<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $11,500 exceeds $5250 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012148 | xxxxxx D A | Closed | xxxxxx | 2026-04-27 09:44 | 2026-05-01 13:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Personal Tax Returns Missing | Resolved-Received 2 years 1040s - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-04/28/2026 <br> Open-Borrower 2 Personal Tax Returns Missing Missing two year Sch C and Sch 1 and complete 1040's - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-04/28/2026<br>| Resolved-Received 2 years 1040s - Due Diligence Vendor-04/29/2026<br>| Additional assets not used to qualify - Bank Statement provided with additional assets that were not needed as reserves are not needed per guides<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $11,500 exceeds $5250 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012148 | xxxxxx D A | Closed | xxxxxx | 2026-04-27 09:05 | 2026-04-29 09:57 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries is present in file or not applicable. - Due Diligence Vendor-04/29/2026 <br>Ready for Review-Document Uploaded. No new inquiries - Seller-04/28/2026 <br>Open-LOX for credit inquiries is missing. LOX is blank - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. No new inquiries - Seller-04/28/2026<br>| Resolved-LOX for credit inquiries is present in file or not applicable. - Due Diligence Vendor-04/29/2026<br>| Additional assets not used to qualify - Bank Statement provided with additional assets that were not needed as reserves are not needed per guides<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual of $11,500 exceeds $5250 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012152 | xxxxxx D B A | Closed | xxxxxx | 2026-05-19 15:13 | 2026-05-28 10:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/28/2026 <br> Ready for Review-From Seller: we respectfully disagree & ask this to be escalated. Please see prior loans xxxxxx for how that condition was cleared based on the same response & no disclosure being required. - Due Diligence Vendor-05/27/2026 <br> Ready for Review-we respectfully disagree & ask this to be escalated. Please see prior loans xxxxxx for how that condition was cleared based on the same response & no disclosure being required. - Seller-05/27/2026 <br> Counter-TPR Counter: State laws require the lender to provide an "Attorney Preference Notice" at the time of application. This disclosure allows you to choose an attorney from the lender's approved list or select an independent attorney of your choice. This has nothing to do with regards fees.<br> - Due Diligence Vendor-05/27/2026 <br> Counter-State laws require the lender to provide an "Attorney Preference Notice" at the time of application. This disclosure allows you to choose an attorney from the lender's approved list or select an independent attorney of your choice. This has nothing to do with regards fees. - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Seller Response: We dispute the need for this based on the following: "Though we cannot provide legal advice, this form is only required if the attorney fee is being excluded from the points and fees test. As we do not use exclude the attorney fee from the high cost test, the form is inapplicable (and not required). xxxxxx." Please note the similar condition was placed on the following xxxxxx files & cleared based on our response noted. xxxxxx both were cleared w/o the disclosure as the fee was not excluded from testing. xxxxxx. - Due Diligence Vendor-05/26/2026 <br> Ready for Review-We dispute the need for this based on the following: "Though we cannot provide legal advice, this form is only required if the attorney fee is being excluded from the points and fees test. As we do not use exclude the attorney fee from the high cost test, the form is inapplicable (and not required). xxxxxx." Please note the similar condition was placed on the following xxxxxx files & cleared based on our response noted. xxxxxx both were cleared w/o the disclosure as the fee was not excluded from testing. xxxxxx. - Seller-05/26/2026 <br> Open-Right To Choose Attorney or Attorney Preference Not In File Attorney Preference Letter is not in file. Statute of Limitations 3 years - Expiration Date is xxxxxx - Due Diligence Vendor-05/19/2026 | Ready for Review-we respectfully disagree & ask this to be escalated. Please see prior loans xxxxxx for how that condition was cleared based on the same response & no disclosure being required. - Seller-05/27/2026 <br> Ready for Review-We dispute the need for this based on the following: "Though we cannot provide legal advice, this form is only required if the attorney fee is being excluded from the points and fees test. As we do not use exclude the attorney fee from the high cost test, the form is inapplicable (and not required). xxxxxx." Please note the similar condition was placed on the following xxxxxx files & cleared based on our response noted. xxxxxx both were cleared w/o the disclosure as the fee was not excluded from testing. xxxxxx. - Seller-05/26/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/28/2026<br>| CLTV is less than guidelines maximum - 35% CLTV vs. max 90%<br>Qualifying FICO score is at least 20 points above minimum for program - 796 credit score vs. min score allowed of 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012152 | xxxxxx D B A | Closed | xxxxxx | 2026-05-19 15:30 | 2026-05-27 10:54 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received Homeowner's Counseling disclosure dated xxxxxx. Finding Resolved. - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. the xxxxxx disclosure is attached. xxxxxx. - Seller-05/26/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, xxxxxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. -----Homeownership Counseling List in file is dated xxxxxx and not provided to borrower within three days of application date of xxxxxx. - Due Diligence Vendor-05/19/2026 | Ready for Review-Document Uploaded. the xxxxxx disclosure is attached. xxxxxx. - Seller-05/26/2026 | Resolved-Received Homeowner's Counseling disclosure dated xxxxxx. Finding Resolved. - Due Diligence Vendor-05/27/2026 | CLTV is less than guidelines maximum - 35% CLTV vs. max 90%<br>Qualifying FICO score is at least 20 points above minimum for program - 796 credit score vs. min score allowed of 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012152 | xxxxxx D B A | Closed | xxxxxx | 2026-05-20 07:56 | 2026-05-20 07:56 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/20/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/20/2026<br>| CLTV is less than guidelines maximum - 35% CLTV vs. max 90%<br>Qualifying FICO score is at least 20 points above minimum for program - 796 credit score vs. min score allowed of 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012153 | xxxxxx C B A | Closed | xxxxxx | 2026-04-29 22:58 | 2026-04-30 08:18 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, the max allowed LTV for this loan is 80%. - Due Diligence Vendor-04/30/2026 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70% Investor overlays allow a maximum LTV of 70% on P&L Statement. - Due Diligence Vendor-04/30/2026 |  | Resolved-Upon further review, the max allowed LTV for this loan is 80%. - Due Diligence Vendor-04/30/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $31,000 residual exceeds $5250<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 751 exceeds 660 min score per guides<br>Qualifying DTI below maximum allowed - 42% DTI exceeds 50% Max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012153 | xxxxxx C B A | Closed | xxxxxx | 2026-04-28 09:50 | 2026-04-29 12:57 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-04/28/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings - Due Diligence Vendor-04/28/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $31,000 residual exceeds $5250<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 751 exceeds 660 min score per guides<br>Qualifying DTI below maximum allowed - 42% DTI exceeds 50% Max |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000012157 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2000012162 | xxxxxx D A | Closed | xxxxxx | 2026-05-01 12:54 | 2026-05-13 10:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE with website link - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. Please see attached, borrower is a xxxxxx - https://www.xxxxxx/agents/xxxxxx/xxxxxx - Seller-05/11/2026 <br> Counter-Received VVOE however missing the Internet Website that is referred to. - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. Please see attached T/Y - Seller-05/06/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Existence of the borrower's business is to be verified within 90 days prior to the Note date, through one of the<br> following:<br> • Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or<br> • Internet screenshot displaying the phone listing and address verification of the borrower's business, or<br> • A business bank statement dated within 90 days of the Note date for income used in qualification - Due Diligence Vendor-05/01/2026 | Ready for Review-Document Uploaded. Please see attached, borrower is a xxxxxx - https://www.xxxxxx/agents/xxxxxx/xxxxxx - Seller-05/11/2026 <br> Ready for Review-Document Uploaded. Please see attached T/Y - Seller-05/06/2026 | Resolved-Received VVOE with website link - Due Diligence Vendor-05/13/2026<br>| LTV is less than guideline maximum - 70% LTV, program allows 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 735 FICO, 680 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012162 | xxxxxx D A | Closed | xxxxxx | 2026-04-30 11:29 | 2026-05-07 13:50 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx moving fee from Section B to Section A. Finding Resolved. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/06/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx - Due Diligence Vendor-04/30/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-05/06/2026<br>| Resolved-Received PCCD xxxxxx moving fee from Section B to Section A. Finding Resolved. - Due Diligence Vendor-05/07/2026 | LTV is less than guideline maximum - 70% LTV, program allows 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 735 FICO, 680 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012162 | xxxxxx D A | Closed | xxxxxx | 2026-04-30 08:55 | 2026-05-07 13:50 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-05/06/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($241.00) exceed the comparable charges ($191.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fee) increased by $50.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $30.90, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/30/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-05/06/2026<br>| Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-05/07/2026<br>| LTV is less than guideline maximum - 70% LTV, program allows 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 735 FICO, 680 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012162 | xxxxxx D A | Closed | xxxxxx | 2026-04-30 08:28 | 2026-05-04 09:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Escrow waiver not required on closed end 2nd non HPML loan. Finding Resolved. - Due Diligence Vendor-05/04/2026 <br>Ready for Review-This is a closed end second. Escrow is not required. - Due Diligence Vendor-05/01/2026 <br>Open-Escrow Waiver is Missing Please provide Escrow Waiver - Due Diligence Vendor-04/30/2026 |  | Resolved-Escrow waiver not required on closed end 2nd non HPML loan. Finding Resolved. - Due Diligence Vendor-05/04/2026<br>| LTV is less than guideline maximum - 70% LTV, program allows 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 735 FICO, 680 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012166 | xxxxxx B A | Closed | xxxxxx | 2026-05-06 17:16 | 2026-05-06 18:04 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). Client waiver applied to non material finding<br> - Due Diligence Vendor-05/06/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). Client waiver applied to non material finding<br> - Due Diligence Vendor-05/06/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail (+13k) <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 752 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000012173 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2000012176 | xxxxxx C B A | Closed | xxxxxx | 2026-05-05 14:02 | 2026-05-12 08:57 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Final title policy attached. - Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. - Seller-05/11/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide an updated Title Supplemental or Title Policy that reflects lender coverage equal tp the Note amount of xxxxxx. - Due Diligence Vendor-05/05/2026 | Ready for Review-Document Uploaded. - Seller-05/11/2026<br>| Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-05/12/2026<br>| Qualifying DTI below maximum allowed - DTI 37.58% is lower than allowable 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 748 is higher than the required 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012176 | xxxxxx C B A | Closed | xxxxxx | 2026-05-01 16:40 | 2026-05-04 06:09 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/01/2026 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-05/01/2026<br>| Qualifying DTI below maximum allowed - DTI 37.58% is lower than allowable 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 748 is higher than the required 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000012183 | xxxxxx C A | Closed | xxxxxx | 2026-05-01 09:25 | 2026-05-18 10:23 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received final settlement statement for sale of previous primary, rent free letter and corrected 1003 - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. - Seller-05/15/2026 <br> Ready for Review-LOE, settlement statement, 1008, and 1003 attached. - Due Diligence Vendor-05/15/2026 <br> Counter-Review received sellers estimated settlement statement for xxxxxx noted as borrowers primary residence on final 1003. Provide: (1) Final settlement statement for sale of xxxxxx. (2) Provide clarification of borrowers new primary residence and document housing expense. (3) updated 1008 and 1003 reflecting current housing expenses considered. - Due Diligence Vendor-05/13/2026 <br> Ready for Review-This was provided in the other condition. Please clear this condition. - Due Diligence Vendor-05/12/2026 <br> Ready for Review-This was provided in the other condition. Please clear this condition. - Seller-05/12/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide sufficient evidence of why the mortgage on the primary residence was excluded. Additional conditions may apply. - Due Diligence Vendor-05/01/2026 | Ready for Review-Document Uploaded. - Seller-05/15/2026 <br>Ready for Review-This was provided in the other condition. Please clear this condition. - Seller-05/12/2026<br>| Resolved-Received final settlement statement for sale of previous primary, rent free letter and corrected 1003 - Due Diligence Vendor-05/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 720; guidelines require 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40.35%; max allowable 50%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012183 | xxxxxx C A | Closed | xxxxxx | 2026-05-01 09:27 | 2026-05-07 12:34 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio | Resolved-Received confirmation xxxxxx is a duplicate and xxxxxx accounts are authorized use and acceptable to omit. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. - Seller-05/05/2026 <br> Open-ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio lender to provide evidence of why the following accounts xxxxxx xxxxxx, xxxxxx xxxxxx and xxxxxx xxxxxx were excluded from the debt, additional conditions may apply. - Due Diligence Vendor-05/01/2026 | Ready for Review-Document Uploaded. - Seller-05/05/2026<br>| Resolved-Received confirmation xxxxxx is a duplicate and xxxxxx accounts are authorized use and acceptable to omit. - Due Diligence Vendor-05/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 720; guidelines require 680.<br>Qualifying DTI below maximum allowed - Qualifying DTI 40.35%; max allowable 50%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012186 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 2000012187 | xxxxxx D A C | Closed | xxxxxx | 2026-05-04 18:02 | 2026-05-08 10:35 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received income documentation. - Due Diligence Vendor-05/08/2026 <br>Ready for Review-All income conditions are uploaded. - Seller-05/08/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending for income and credit docs. <br> - Due Diligence Vendor-05/04/2026 | Ready for Review-All income conditions are uploaded. - Seller-05/08/2026<br>| Resolved-Received income documentation. - Due Diligence Vendor-05/08/2026<br>| On time mortgage history exceeds guideline requirement - Verified mortgage history is 0x30x86; minimum required 0x30x12 with FICO <680<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying Residual $16,865.57; minimum required $NONE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000012187 | xxxxxx D A C | Closed | xxxxxx | 2026-05-04 17:16 | 2026-05-08 10:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received EA letter confirming employment - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. - Seller-05/07/2026 <br> Ready for Review-Updated EA letter attached. - Due Diligence Vendor-05/07/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE with verification of business within 30 days of the disbursement date. VVOE provided was completed on xxxxxx but used the Enrolled Agent Letter for the verification which was completed on xxxxxx and exceeds the 30 days. Additional findings may apply. - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. - Seller-05/07/2026<br>| Resolved-Received EA letter confirming employment - Due Diligence Vendor-05/08/2026<br>| On time mortgage history exceeds guideline requirement - Verified mortgage history is 0x30x86; minimum required 0x30x12 with FICO <680<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying Residual $16,865.57; minimum required $NONE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000012187 | xxxxxx D A C | Closed | xxxxxx | 2026-05-04 17:16 | 2026-05-08 10:32 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received confirmation from enrolled agent compensation should reflect as xxxxxx rather than xxxxxx - Due Diligence Vendor-05/08/2026 <br> Ready for Review-EA LOE attached. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. - Seller-05/07/2026 <br> Open-Loan package included a WVOE from The Work Number (TWN) verified on xxxxxx through xxxxxx. The TWN WVOE reflects comp to officer of xxxxxx for 2025 but the P&L only reflects xxxxxx despite covering 75% of 2025. Missing letter of explanation from the Enrolled Agent. Additional findings may apply. <br> - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. - Seller-05/07/2026<br>| Resolved-Received confirmation from enrolled agent compensation should reflect as xxxxxx rather than xxxxxx - Due Diligence Vendor-05/08/2026 | On time mortgage history exceeds guideline requirement - Verified mortgage history is 0x30x86; minimum required 0x30x12 with FICO <680<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying Residual $16,865.57; minimum required $NONE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000012187 | xxxxxx D A C | Closed | xxxxxx | 2026-05-04 17:55 | 2026-05-07 17:37 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-As 5% of the disputed collection balance is being considered in DTI, only 1 dispute total is reporting on credit and dispute is on a collection acct (and not an active tradeline)- addtl LOE/supporting docs from Brw not required. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Per xxxxxx guidelines, pg. 5, Charge offs and collections greater than $250 for each account or $2,000 in total needs to be paid unless they are included in DTI (if the payment amount is unknown, 5% of balance is used), or borrower(s) has sufficient reserves in addition to the minimum reserve required. - Due Diligence Vendor-05/07/2026 <br> Counter-Received rebuttal collection considered in DTI. Review confirms inclusion. Missing Disputed Collection: Refer to xxxxxx B3-5.2-03 for Disputed Tradelines for Manually Underwritten loans. Missing detailed letter of explanation from borrower and documentation to support that the derogatory disputed collection with IQ Data is erroneous and therefore the credit report as reported with the disputed collection is accurate. Additional findings may apply. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-My xxxxxx. The guideline is xxxxxx guideline that was approved by xxxxxx. Please clear the condition as the xxxxxx guideline states that collections greater than $250 needs to be paid unless they are included in DTI. - Seller-05/06/2026 <br> Ready for Review-Guidelines are not silent. Per xxxxxx guidelines, pg. 5, Charge offs and collections greater than $250 for each account or $2,000 in total needs to be paid unless they are included in DTI (if the payment amount is unknown, 5% of balance is used), or borrower(s) has sufficient reserves in addition to the minimum reserve required. - Due Diligence Vendor-05/06/2026 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements When guides are silent defer to xxxxxx. Defer to xxxxxx B3-5.2-03 for Disputed Tradelines for Manually Underwritten loans. Missing detailed letter of explanation from borrower and documentation to support that the derogatory disputed collection with IQ Data is erroneous and therefore the credit report as reported with the disputed collection is accurate. Additional findings may apply. - Due Diligence Vendor-05/04/2026 | Ready for Review-My xxxxxx. The guideline is xxxxxx guideline that was approved by xxxxxx. Please clear the condition as the xxxxxx guideline states that collections greater than $250 needs to be paid unless they are included in DTI. - Seller-05/06/2026 | Resolved-As 5% of the disputed collection balance is being considered in DTI, only 1 dispute total is reporting on credit and dispute is on a collection acct (and not an active tradeline)- addtl LOE/supporting docs from Brw not required. - Due Diligence Vendor-05/07/2026<br>| On time mortgage history exceeds guideline requirement - Verified mortgage history is 0x30x86; minimum required 0x30x12 with FICO <680<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying Residual $16,865.57; minimum required $NONE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000012187 | xxxxxx D A C | Closed | xxxxxx | 2026-05-04 17:09 | 2026-05-07 12:00 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received revised appraisal confirming xxxxxx was original footprint. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. Please see pg 14 - Seller-05/05/2026 <br> Ready for Review-Appraisal with comments on page 14. - Due Diligence Vendor-05/05/2026 <br> Open-Appraiser to confirm the xxxxxx was part of the original construction and is not an unpermitted addition. Per guides, an unpermitted addition must be excluded. Additional findings may apply. <br> - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. Please see pg 14 - Seller-05/05/2026<br>| Resolved-Received revised appraisal confirming xxxxxx was original footprint. - Due Diligence Vendor-05/07/2026 | On time mortgage history exceeds guideline requirement - Verified mortgage history is 0x30x86; minimum required 0x30x12 with FICO <680<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying Residual $16,865.57; minimum required $NONE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000012187 | xxxxxx D A C | Closed | xxxxxx | 2026-05-01 12:19 | 2026-05-06 14:01 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. - Seller-05/05/2026 <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. ----- Provide PCCD with disbursement date after the ROR expiration date xxxxxx. - Due Diligence Vendor-05/01/2026 | Ready for Review-Document Uploaded. - Seller-05/05/2026<br>| Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/06/2026 | On time mortgage history exceeds guideline requirement - Verified mortgage history is 0x30x86; minimum required 0x30x12 with FICO <680<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying Residual $16,865.57; minimum required $NONE |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 2000012192 | xxxxxx C A | Closed | xxxxxx | 2026-05-11 12:57 | 2026-05-15 10:22 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received OFAC check for Seller - Due Diligence Vendor-05/15/2026 <br>Ready for Review-Seller OFAC attached. - Due Diligence Vendor-05/14/2026 <br>Ready for Review-Document Uploaded. - Seller-05/14/2026 <br>Counter-Received OFAC clearance for Listing Agent. Missing OFAC clearance for Seller. - Due Diligence Vendor-05/13/2026 <br>Ready for Review-OFAC searches performed as part of fraud report. - Due Diligence Vendor-05/12/2026 <br>Open-OFAC Check Not Completed and/or Cleared All parties on OFAC and interested parties to show as cleared. - Due Diligence Vendor-05/11/2026 | Ready for Review-Document Uploaded. - Seller-05/14/2026<br>| Resolved-Received OFAC check for Seller - Due Diligence Vendor-05/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 730 Min FICO = 660<br>Months Reserves exceed minimum required - Reserves = 10 months – Required Reserves = 4 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012192 | xxxxxx C A | Closed | xxxxxx | 2026-05-11 12:57 | 2026-05-13 10:14 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud clearance of high and medium alerts. - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. - Seller-05/13/2026 <br> Ready for Review-xxxxxx Connect attached showing cleared alerts. - Due Diligence Vendor-05/13/2026 <br> Open-Fraud Report Shows Uncleared Alerts All high alerts to be addressed and cleared. - Due Diligence Vendor-05/11/2026 | Ready for Review-Document Uploaded. - Seller-05/13/2026<br>| Resolved-Received fraud clearance of high and medium alerts. - Due Diligence Vendor-05/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 730 Min FICO = 660<br>Months Reserves exceed minimum required - Reserves = 10 months – Required Reserves = 4 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012194 | xxxxxx D A C | Closed | xxxxxx | 2026-05-21 08:27 | 2026-05-27 12:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI for reo xxxxxx - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. This document was provided w/ the credit package (pgs 317-319/534). Can you clarify why this isn't valid? - Seller-05/26/2026 <br> Ready for Review-Document Uploaded. This document was provided w/ the credit package (pgs 317-319/534). Can you clarify why this isn't valid? - Due Diligence Vendor-05/26/2026 <br> Open-Provide HOI in force for 1003 Property: xxxxxx - as HOI must be added into DTI. - Due Diligence Vendor-05/21/2026 | Ready for Review-Document Uploaded. This document was provided w/ the credit package (pgs 317-319/534). Can you clarify why this isn't valid? - Seller-05/26/2026<br>| Resolved-Received HOI for reo xxxxxx - Due Diligence Vendor-05/27/2026 | LTV is less than guideline maximum - LTV is 47.75% - Max is 70%<br>Qualifying DTI below maximum allowed - DTI is 39.90% - Max is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012194 | xxxxxx D A C | Closed | xxxxxx | 2026-05-19 10:04 | 2026-05-26 12:59 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/26/2026 <br> Ready for Review-Document Uploaded. - Seller-05/26/2026 <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. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-05/19/2026 | Ready for Review-Document Uploaded. - Seller-05/26/2026<br>| Resolved-Received PCCD xxxxxx. Finding Resolved. - Due Diligence Vendor-05/26/2026 | LTV is less than guideline maximum - LTV is 47.75% - Max is 70%<br>Qualifying DTI below maximum allowed - DTI is 39.90% - Max is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012196 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 2000012209 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000012211 | xxxxxx C A | Closed | xxxxxx | 2026-05-13 09:03 | 2026-05-15 10:17 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received property detail report. REO was owned F&C since xxxxxx until xxxxxx when a refi was completed. No current 12 month payment history available. Housing History Meets Guideline Requirements - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Mortgage closed xxxxxx. No history available. - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. This property was closed in xxxxxx, therefore, there is no 12 month history. - Seller-05/13/2026 <br> Open-Housing History Does Not Meet Guideline Requirements missing most recent 12 months housing history for REO xxxxxx. not reported on credit report. only mtg stmt provided in file. - Due Diligence Vendor-05/13/2026 | Ready for Review-Document Uploaded. This property was closed in xxxxxx, therefore, there is no 12 month history. - Seller-05/13/2026 | Resolved-Received property detail report. REO was owned F&C since xxxxxx until xxxxxx when a refi was completed. No current 12 month payment history available. Housing History Meets Guideline Requirements - Due Diligence Vendor-05/15/2026 | Long term residence - Long term residence 3 yrs current primary.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 758 min score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012211 | xxxxxx C A | Closed | xxxxxx | 2026-05-13 09:51 | 2026-05-15 10:15 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Mortgage closed xxxxxx. No history available. - Due Diligence Vendor-05/14/2026 <br> Ready for Review-Property was closed in xxxxxx. No housing history. - Seller-05/14/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending housing history conditions. - Due Diligence Vendor-05/13/2026 | Ready for Review-Property was closed in xxxxxx. No housing history. - Seller-05/14/2026 | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-05/15/2026<br>| Long term residence - Long term residence 3 yrs current primary.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 758 min score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012224 | xxxxxx C A | Closed | xxxxxx | 2026-05-19 17:07 | 2026-05-27 12:16 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received explanation for decrease in fee based lender payment. Finding Resolved. - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. The lender credit did not decrease. The lenders portion of the xxxxxx State mtge tax did decrease but doesnt impact borrower funds or proceeds so no refund is required. xxxxxx. - Seller-05/26/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($245.25) does not exceed or equal the comparable sum of specific and non-specific lender credits ($282.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $282.00 to $245.25 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $36.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Remediation options (1) within 60 days of consummation expires xxxxxx (2) within 60 days of discovery expires xxxxxx remains xxxxxx under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: xxxxxx remains xxxxxx - Due Diligence Vendor-05/19/2026 | Ready for Review-Document Uploaded. The lender credit did not decrease. The lenders portion of the xxxxxx State mtge tax did decrease but doesnt impact borrower funds or proceeds so no refund is required. xxxxxx. - Seller-05/26/2026 | Resolved-Received explanation for decrease in fee based lender payment. Finding Resolved. - Due Diligence Vendor-05/27/2026<br>| Qualifying DTI below maximum allowed - Borr DTI 26.06%. Per guides, maximum DTI 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 734. Per guide, a minimum score required 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012224 | xxxxxx C A | Closed | xxxxxx | 2026-05-19 17:07 | 2026-05-27 12:16 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan is a second lien with full appraisal, meeting HPML compliance. - Due Diligence Vendor-05/22/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/19/2026 |  | Resolved-Loan is a second lien with full appraisal, meeting HPML compliance. - Due Diligence Vendor-05/22/2026<br>| Qualifying DTI below maximum allowed - Borr DTI 26.06%. Per guides, maximum DTI 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 734. Per guide, a minimum score required 700. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012230 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 2000012231 | xxxxxx C A | Closed | xxxxxx | 2026-05-11 12:25 | 2026-05-18 10:33 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received account statement reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-05/18/2026 <br>Ready for Review-Document Uploaded. - Seller-05/15/2026 <br>Open-Total Qualified Assets Post-Close amount is '$-74637.53'. Assets are Insufficient. Bank account with $120,594.05 per final 1003 not found in file. - Due Diligence Vendor-05/11/2026 | Ready for Review-Document Uploaded. - Seller-05/15/2026<br>| Resolved-Received account statement reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-05/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 680 required, borrower has 785<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x54 months mortgage history, guides allow up to 1x30x12 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012231 | xxxxxx C A | Closed | xxxxxx | 2026-05-11 12:46 | 2026-05-18 10:32 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received account statement reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-05/18/2026 <br>Ready for Review-Document Uploaded. - Seller-05/15/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Bank account with $120,594.05 per final 1003 not found in file. - Due Diligence Vendor-05/11/2026 | Ready for Review-Document Uploaded. - Seller-05/15/2026<br>| Resolved-Received account statement reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-05/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 680 required, borrower has 785<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x54 months mortgage history, guides allow up to 1x30x12 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012231 | xxxxxx C A | Closed | xxxxxx | 2026-05-11 12:47 | 2026-05-18 10:31 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received account statement reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-05/18/2026 <br>Ready for Review-Document Uploaded. - Seller-05/15/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Bank account with $120,594.05 per final 1003 not found in file. - Due Diligence Vendor-05/11/2026 | Ready for Review-Document Uploaded. - Seller-05/15/2026<br>| Resolved-Received account statement reflecting sufficient funds for closing and reserves. - Due Diligence Vendor-05/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 680 required, borrower has 785<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x54 months mortgage history, guides allow up to 1x30x12 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012231 | xxxxxx C A | Closed | xxxxxx | 2026-05-06 17:11 | 2026-05-14 12:03 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received Tracking document for borrower's receipt of Cd. Finding Resolved. - Due Diligence Vendor-05/14/2026 <br> Ready for Review-Document Uploaded. - Seller-05/13/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD xxxxxx is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-05/06/2026 | Ready for Review-Document Uploaded. - Seller-05/13/2026<br>| Resolved-Received Tracking document for borrower's receipt of Cd. Finding Resolved. - Due Diligence Vendor-05/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 680 required, borrower has 785<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x54 months mortgage history, guides allow up to 1x30x12 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012231 | xxxxxx C A | Closed | xxxxxx | 2026-05-07 10:57 | 2026-05-14 12:03 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD xxxxxx correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-05/14/2026 <br> Ready for Review-Document Uploaded. - Seller-05/13/2026 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Project Review Fee in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date xxxxxx - Due Diligence Vendor-05/07/2026 | Ready for Review-Document Uploaded. - Seller-05/13/2026<br>| Resolved-Received PCCD xxxxxx correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-05/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - 680 required, borrower has 785<br>On time mortgage history exceeds guideline requirement - Borrower has 0x30x54 months mortgage history, guides allow up to 1x30x12 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012234 | xxxxxx C B A | Closed | xxxxxx | 2026-05-07 17:04 | 2026-06-08 17:19 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/07/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Qualifying DTI below maximum allowed - Qualifying DTI 13%; max permitted 50%.<br>Months Reserves exceed minimum required - 12 months PITIA reserves; 3 months reserves required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012234 | xxxxxx C B A | Closed | xxxxxx | 2026-05-07 15:32 | 2026-05-07 18:02 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings. - Borrower resigned corrected 1003 post-closing. - Due Diligence Vendor-05/07/2026 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings. - Borrower resigned corrected 1003 post-closing. - Due Diligence Vendor-05/07/2026 | Qualifying DTI below maximum allowed - Qualifying DTI 13%; max permitted 50%.<br>Months Reserves exceed minimum required - 12 months PITIA reserves; 3 months reserves required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012235 | xxxxxx B A | Closed | xxxxxx | 2026-05-27 14:38 | 2026-05-29 12:32 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- Compliant xxxxxx Subprime- APR on subject loan of 9.137% is within allowable threshold of APOR of 6.3% + 3.75% or 10.05%. - Due Diligence Vendor-05/29/2026 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- Compliant xxxxxx Subprime- APR on subject loan of 9.137% is within allowable threshold of APOR of 6.3% + 3.75% or 10.05%. - Due Diligence Vendor-05/27/2026 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- Compliant xxxxxx Subprime- APR on subject loan of 9.137% is within allowable threshold of APOR of 6.3% + 3.75% or 10.05%. - Due Diligence Vendor-05/29/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720/ Borrower FICO 779<br>CLTV is less than guidelines maximum - Max CLTV 80% / Subject CLTV 67.6% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012244 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-29 16:53 | 2026-04-30 15:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived--Client exception granted to accept FICO below minimum. Finding deemed non-material with comp factors. - Due Diligence Vendor-04/30/2026 <br>Open-Audited FICO of 658 is less than Guideline FICO of 680 . - Due Diligence Vendor-04/29/2026 |  | Waived--Client exception granted to accept FICO below minimum. Finding deemed non-material with comp factors. - Due Diligence Vendor-04/30/2026<br>| Long term residence - - Subject investment property has been owned for 16 years.<br>DSCR % greater than 1.20 - -1.677 DSCR<br>On time mortgage history exceeds guideline requirement - Rent History 0x30x24 for borrower one.<br>LTV is less than guideline maximum - LTV 18.06%. Allowed LTV 65% | 1. Rent History 0x30x24 for borrower. 2. Primary address of 20 Years co-borrower. 3. LTV 18.06%. Allowed LTV 65% | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012244 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-29 16:26 | 2026-04-30 13:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/30/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-04/30/2026 <br>Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-04/29/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/30/2026<br>| Long term residence - - Subject investment property has been owned for 16 years.<br>DSCR % greater than 1.20 - -1.677 DSCR<br>On time mortgage history exceeds guideline requirement - Rent History 0x30x24 for borrower one.<br>LTV is less than guideline maximum - LTV 18.06%. Allowed LTV 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012244 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-29 16:18 | 2026-04-30 12:43 | Resolved | 1 - Information C A | Property | Appraisal | Two of more full valuation products not provided for loan amounts between $1.2 M and $2 million | Resolved-Received CDA which supports value - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. CDA attached. - Due Diligence Vendor-04/30/2026 <br> Open-Additional valuation product has not been provided and Loan Amount is: 'xxxxxx.' Additional valuation product has not been provided and Loan Amount is: xxxxxx - Due Diligence Vendor-04/29/2026 |  | Resolved-Received CDA which supports value - Due Diligence Vendor-04/30/2026<br>| Long term residence - - Subject investment property has been owned for 16 years.<br>DSCR % greater than 1.20 - -1.677 DSCR<br>On time mortgage history exceeds guideline requirement - Rent History 0x30x24 for borrower one.<br>LTV is less than guideline maximum - LTV 18.06%. Allowed LTV 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012244 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-30 10:50 | 2026-04-30 12:39 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received final Note with wet signatures - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. Please see attached notes with wet signatures. - Due Diligence Vendor-04/30/2026 <br> Open-There are Issues Present on the Note that must be addressed. Note signed with eSignature, provide evidence of original wet signed Note as required by xxxxxx guidelines. - Due Diligence Vendor-04/30/2026 |  | Resolved-Received final Note with wet signatures - Due Diligence Vendor-04/30/2026<br>| Long term residence - - Subject investment property has been owned for 16 years.<br>DSCR % greater than 1.20 - -1.677 DSCR<br>On time mortgage history exceeds guideline requirement - Rent History 0x30x24 for borrower one.<br>LTV is less than guideline maximum - LTV 18.06%. Allowed LTV 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012244 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-29 17:01 | 2026-04-30 10:20 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived--Client exception granted to allow for cash-out above guideline maximum. B1 is a Perm Resident and B2 is a Foreign National. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-04/30/2026 <br>Open-Cash Out Does Not Meet Guideline Requirements Max Cash in hand for a Foreign National is $500,000.00. Per Final CD Cash back to borrower $1,195,777.32. - Due Diligence Vendor-04/29/2026 |  | Waived--Client exception granted to allow for cash-out above guideline maximum. B1 is a Perm Resident and B2 is a Foreign National. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-04/30/2026<br>| Long term residence - - Subject investment property has been owned for 16 years.<br>DSCR % greater than 1.20 - -1.677 DSCR<br>On time mortgage history exceeds guideline requirement - Rent History 0x30x24 for borrower one.<br>LTV is less than guideline maximum - LTV 18.06%. Allowed LTV 65% | 1. Rent History 0x30x24 for borrower. 2. Primary address of 20 Years co-borrower. 3. LTV 18.06%. Allowed LTV 65% | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012244 | xxxxxx D B A C | Closed | xxxxxx | 2026-04-29 17:08 | 2026-04-30 10:19 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived--Client exception granted to allow for B2 Foreign National with expired Visa. File does contain unexpired passport for B2 from a bordering xxxxxx country. Waiver applied to non-material finding. - Due Diligence Vendor-04/30/2026 <br> Open-Borrower Citizenship Documentation Is Missing Co-borrower Visa expired on xxxxxx. - Due Diligence Vendor-04/29/2026 |  | Waived--Client exception granted to allow for B2 Foreign National with expired Visa. File does contain unexpired passport for B2 from a bordering xxxxxx country. Waiver applied to non-material finding. - Due Diligence Vendor-04/30/2026 | Long term residence - - Subject investment property has been owned for 16 years.<br>DSCR % greater than 1.20 - -1.677 DSCR<br>On time mortgage history exceeds guideline requirement - Rent History 0x30x24 for borrower one.<br>LTV is less than guideline maximum - LTV 18.06%. Allowed LTV 65% | 1. Rent History 0x30x24 for borrower. 2. Primary address of 20 Years co-borrower. 3. LTV 18.06%. Allowed LTV 65% | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012246 | xxxxxx C A | Closed | xxxxxx | 2026-05-26 11:58 | 2026-05-28 10:31 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR with satisfactory payment history - Due Diligence Vendor-05/28/2026 <br>Ready for Review-Document Uploaded. - Seller-05/27/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Please provide a verification of rent and copies of the receipts of the money orders provided for the most recent 12 months. The file contains copies of receipts that indicate money orders were provided to the landlord from 4/1/25 to 3/5/26. Additional findings may apply. - Due Diligence Vendor-05/26/2026 | Ready for Review-Document Uploaded. - Seller-05/27/2026<br>| Resolved-Received VOR with satisfactory payment history - Due Diligence Vendor-05/28/2026<br>| Months Reserves exceed minimum required - 17 months PITIA reserves; 3 months reserves required.<br>Qualifying DTI below maximum allowed - Qualifying DTI 29.71%; max permitted 50%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012255 | xxxxxx D B C A | Closed | xxxxxx | 2026-05-07 17:04 | 2026-05-18 08:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. - Seller-05/15/2026 <br> Open------Missing LE(s) and any associated COCs - Due Diligence Vendor-05/07/2026 | Ready for Review-Document Uploaded. - Seller-05/15/2026<br>| Resolved-Received LE xxxxxx. Finding Resolved. - Due Diligence Vendor-05/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - 705 FICO, 680 required<br>Months Reserves exceed minimum required - 8 months reserves documented, 6 months required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - . |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012255 | xxxxxx D B C A | Closed | xxxxxx | 2026-05-07 16:41 | 2026-05-18 08:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. - Seller-05/15/2026 <br> Open-Right To Choose Attorney or Attorney Preference Not In File -----Attorney Preference Letter is not in file. Statute of Limitations 3 years - Expiration Date is xxxxxx - Due Diligence Vendor-05/07/2026 | Ready for Review-Document Uploaded. - Seller-05/15/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 705 FICO, 680 required<br>Months Reserves exceed minimum required - 8 months reserves documented, 6 months required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - . |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012255 | xxxxxx D B C A | Closed | xxxxxx | 2026-05-08 07:56 | 2026-05-18 08:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. - Seller-05/15/2026 <br> Open-Homeownership Counseling Disclosure Is Missing -----Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: xxxxxx.<br> - Due Diligence Vendor-05/08/2026 | Ready for Review-Document Uploaded. - Seller-05/15/2026<br>| Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-05/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 705 FICO, 680 required<br>Months Reserves exceed minimum required - 8 months reserves documented, 6 months required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - . |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012255 | xxxxxx D B C A | Closed | xxxxxx | 2026-05-12 11:05 | 2026-05-12 14:08 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client exception granted to allow <5% of borrower's own funds. Non-material waiver applied with comp factors. - Due Diligence Vendor-05/12/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Gift funds are only allowed after minimum 5% borrower contribution. Lender exception in file. - Due Diligence Vendor-05/12/2026 |  | Waived-Client exception granted to allow <5% of borrower's own funds. Non-material waiver applied with comp factors. - Due Diligence Vendor-05/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - 705 FICO, 680 required<br>Months Reserves exceed minimum required - 8 months reserves documented, 6 months required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - . | Residual income 2.5 times required<br> Credit score 20 points higher than required<br> Reserves exceeded by 2 months | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000012255 | xxxxxx D B C A | Closed | xxxxxx | 2026-05-07 16:41 | 2026-05-07 16:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/07/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 705 FICO, 680 required<br>Months Reserves exceed minimum required - 8 months reserves documented, 6 months required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - . |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000012255 | xxxxxx D B C A | Closed | xxxxxx | 2026-05-07 16:41 | 2026-05-07 16:41 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/07/2026 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-05/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 705 FICO, 680 required<br>Months Reserves exceed minimum required - 8 months reserves documented, 6 months required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - . |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000012261 | xxxxxx C A | Closed | xxxxxx | 2026-04-29 09:28 | 2026-05-05 11:37 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/05/2026 <br> Ready for Review-The $225 xxxxxx housing was part of the recording fees of $352 disclosed - Seller-05/04/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $225.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by $225.00 (xxxxxx Affordable Housing and Jobs Act Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $225.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: xxxxxx. - Due Diligence Vendor-04/29/2026 | Ready for Review-The $225 xxxxxx was part of the recording fees of $352 disclosed - Seller-05/04/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/05/2026<br>| CLTV is less than guidelines maximum - CLTV of 60% exceeds 70% max per guides<br>Residual Income =/> 1.5 times $3,500 monthly residual income - $12,233 exceeds $5250 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012263 | xxxxxx C A | Closed | xxxxxx | 2026-05-06 17:34 | 2026-06-08 17:20 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/06/2026 |  | Resolved-Loan contains full appraisal and escrows and is compliant with HPML. - Due Diligence Vendor-06/08/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income of $15,328.52 <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 / Borrower FICO 747 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012265 | xxxxxx C A | Closed | xxxxxx | 2026-05-04 15:15 | 2026-05-07 12:38 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-05/07/2026 <br>Ready for Review-Document Uploaded. Please see the attached CDA - Seller-05/06/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. Please see the attached CDA - Seller-05/06/2026<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-05/07/2026<br>| Months Reserves exceed minimum required - 18.62 months reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 720; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012276 | xxxxxx D A | Closed | xxxxxx | 2026-05-21 21:47 | 2026-05-27 12:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-05/27/2026 <br>Ready for Review-Document Uploaded. xxxxxx, this was included in the credit package - pages 148-157/520. - Due Diligence Vendor-05/26/2026 <br>Ready for Review-Document Uploaded. xxxxxx, this was included in the credit package - pages 148-157/520. - Seller-05/26/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/22/2026 | Ready for Review-Document Uploaded. xxxxxx, this was included in the credit package - pages 148-157/520. - Seller-05/26/2026<br>| Resolved-Received credit refresh. - Due Diligence Vendor-05/27/2026<br>| Months Reserves exceed minimum required - Reserves: 17 mos verified > 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 765>700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012276 | xxxxxx D A | Closed | xxxxxx | 2026-05-21 21:47 | 2026-05-27 12:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-05/27/2026 <br>Ready for Review-Document Uploaded. xxxxxx, this was included in the credit package - pages 148-157/520. - Seller-05/26/2026 <br>Ready for Review-Document Uploaded. xxxxxx, this was included in the credit package - pages 148-157/520. - Due Diligence Vendor-05/26/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-05/22/2026 | Ready for Review-Document Uploaded. xxxxxx, this was included in the credit package - pages 148-157/520. - Seller-05/26/2026<br>| Resolved-Received credit refresh. - Due Diligence Vendor-05/27/2026<br>| Months Reserves exceed minimum required - Reserves: 17 mos verified > 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 765>700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012280 | xxxxxx C B A | Closed | xxxxxx | 2026-05-04 15:59 | 2026-05-08 13:39 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Deed of Trust electronic signed is allowable with wet signed Note. - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. This was a RON closing - Seller-05/07/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Deed of Trust electronic signed - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. This was a RON closing - Seller-05/07/2026<br>| Resolved-Deed of Trust electronic signed is allowable with wet signed Note. - Due Diligence Vendor-05/08/2026<br>| LTV is less than guideline maximum - LTV 23.29<br>On time mortgage history exceeds guideline requirement - On time mortgage payment 24 months exceeds guideline requirement. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012280 | xxxxxx C B A | Closed | xxxxxx | 2026-05-06 15:13 | 2026-05-06 15:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/06/2026 <br> Open-Condo does not meet requirements. Condo questionnaire missing confirmation of investor concentration. Per guides (Investor concentration allowed up to 60%.). Lender Exception in file - Will allow 100% on condotel, and appraiser has xxxxxx unit rented out of the xxxxxx. - Due Diligence Vendor-05/06/2026 |  | Waived-Client exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/06/2026<br>| LTV is less than guideline maximum - LTV 23.29<br>On time mortgage history exceeds guideline requirement - On time mortgage payment 24 months exceeds guideline requirement. | -LTV <=10% of guide<br> -0x30x48mths Mtg Subj | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012281 | xxxxxx C B A | Closed | xxxxxx | 2026-05-20 10:10 | 2026-06-10 12:41 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | xxxxxx Subprime Home Loan Test | Waived-Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 12.104% which is in excess of allowable threshold of 6.32% + 3.75 = 10.07% - Due Diligence Vendor-06/10/2026 <br> Ready for Review-5/22/26 - Clarifii team, please confirm what the cure amount and required cure docs are. xxxxxx! - Due Diligence Vendor-05/22/2026 <br> Open-This loan failed the xxxxxx subprime home loan test. (xxxxxx SB 8143 Section 5, 1(c))Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.While the xxxxxx Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met. -----Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 12.104% which is in excess of allowable threshold of 6.32% + 3.75 = 10.07% - Due Diligence Vendor-05/20/2026 |  | Waived-Non-Compliance xxxxxx Subprime Loan - APR on subject loan is 12.104% which is in excess of allowable threshold of 6.32% + 3.75 = 10.07% - Due Diligence Vendor-06/10/2026 | Months Reserves exceed minimum required - 51.82mos reserves. Per Matrix xxxxxx 3/9/2026, no reserves required<br> On time mortgage history exceeds guideline requirement - Borrs 18mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage pay history. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012281 | xxxxxx C B A | Closed | xxxxxx | 2026-05-21 23:56 | 2026-05-29 09:38 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-After further review, an EAD C09P (often referred to as a "combo card") is a work permit issued by xxxxxx to immigrants who have a pending application to adjust their status (AOS/Form I-485) to a Green Card. The "P" indicates that the card also serves as Advance Parole, granting you permission to travel outside the xxxxxx while your Green Card is pending. - Due Diligence Vendor-05/29/2026 <br> Ready for Review-5/27/26 - No documents rec'd from Seller. Pushed Seller comments as is to Clarifii. Also sent Clarifii an email of my AI find for CO9P category definition. It appears the P can be ignored. Pending Clarifii response. - Due Diligence Vendor-05/27/2026 <br> Ready for Review-This is valid for automatic extension. The borrower filed the EAD renewal before xxxxxx. Category C09 is eligible to receive an automatic extension.<br>The first I-797 notice is from the I-765 application.<br> - Seller-05/27/2026 <br> Open-Missing evidence current immigration status extension granted. Borr Employment Authorization Card (EAD), Form I-766, expired xxxxxx. Borr I-797C notice of application for extension in file dated xxxxxx stating notice not indication of immigration status or benefit, nor case is still pending. Borr EAD category C09P indicates renewal applications do not qualify for automatic 180-day extensions while waiting for a new card. - Due Diligence Vendor-05/22/2026 | Ready for Review-This is valid for automatic extension. The borrower filed the EAD renewal before xxxxxx. Category C09 is eligible to receive an automatic extension.<br>The first I-797 notice is from the I-765 application.<br> - Seller-05/27/2026 | Resolved-After further review, an EAD C09P (often referred to as a "combo card") is a work permit issued by xxxxxx to immigrants who have a pending application to adjust their status (AOS/Form I-485) to a Green Card. The "P" indicates that the card also serves as Advance Parole, granting you permission to travel outside the xxxxxx. while your Green Card is pending. - Due Diligence Vendor-05/29/2026 | Months Reserves exceed minimum required - 51.82mos reserves. Per Matrix xxxxxx 3/9/2026, no reserves required<br> On time mortgage history exceeds guideline requirement - Borrs 18mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage pay history. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012281 | xxxxxx C B A | Closed | xxxxxx | 2026-05-20 09:31 | 2026-05-26 12:22 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-05/26/2026 <br>Ready for Review-Document Uploaded. - Seller-05/26/2026 <br>Open-Missing e-Consent. Missing e-Consent in file - Due Diligence Vendor-05/20/2026 | Ready for Review-Document Uploaded. - Seller-05/26/2026<br>| Resolved-Received E-Consent Form. Finding Resolved. - Due Diligence Vendor-05/26/2026<br>| Months Reserves exceed minimum required - 51.82mos reserves. Per Matrix xxxxxx 3/9/2026, no reserves required<br> On time mortgage history exceeds guideline requirement - Borrs 18mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage pay history. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012281 | xxxxxx C B A | Closed | xxxxxx | 2026-05-20 10:10 | 2026-05-22 13:13 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan is a second lien with full appraisal, meeting HPML compliance. - Due Diligence Vendor-05/22/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-05/20/2026 |  | Resolved-Loan is a second lien with full appraisal, meeting HPML compliance. - Due Diligence Vendor-05/22/2026<br>| Months Reserves exceed minimum required - 51.82mos reserves. Per Matrix xxxxxx 3/9/2026, no reserves required<br> On time mortgage history exceeds guideline requirement - Borrs 18mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage pay history. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012281 | xxxxxx C B A | Closed | xxxxxx | 2026-05-20 09:31 | 2026-05-20 11:21 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing client waiver applied to non-material finding - Due Diligence Vendor-05/20/2026 |  | Waived-Required Affiliated Business Disclosure Missing client waiver applied to non-material finding - Due Diligence Vendor-05/20/2026<br>| Months Reserves exceed minimum required - 51.82mos reserves. Per Matrix xxxxxx 3/9/2026, no reserves required<br> On time mortgage history exceeds guideline requirement - Borrs 18mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage pay history. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012287 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000012299 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 2000012306 | xxxxxx B A | Closed | xxxxxx | 2026-05-15 16:34 | 2026-05-15 18:56 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/15/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/15/2026<br>| Qualifying DTI below maximum allowed - max dti 50%<br>Credit history exceeds minimum required - good rental history, credit profile |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000012307 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 2000012328 | xxxxxx C A | Closed | xxxxxx | 2026-05-13 00:40 | 2026-05-18 10:09 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. - Seller-05/14/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing Appraisal Desk Review. CU in file, not scored. Per guides xxxxxx Guide 03/09/2026 Section 2.10.1.5; xxxxxx will submit the appraisal report to Collateral Underwriter® (CU). An eligible score is 2.5 or less. If the score exceeds 2.5, the file must include either an enhanced desk review, AVM, field review, or second appraisal. - Due Diligence Vendor-05/13/2026 | Ready for Review-Document Uploaded. - Seller-05/14/2026<br>| Resolved-Received acceptable secondary valuation. - Due Diligence Vendor-05/18/2026<br>| Months Reserves exceed minimum required - Reserves = 42.05 months – Required Reserves = 6 Months<br>LTV is less than guideline maximum - LTV = 53.98% - Max LTV = 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |

| 2000012328 | xxxxxx C A | Closed | xxxxxx | 2026-05-11 11:33 | 2026-05-13 14:20 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Mortgage in file is electronically signed. Allowed per xxxxxx and xxxxxx Wholesale Non-Agency Broker Guides 03.09.2026. - Due Diligence Vendor-05/13/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Mortgage in file is electronically signed. <br> Allowed per xxxxxx and xxxxxx Wholesale Non-Agency Broker Guides 03.09.2026; Broker hereby represents and warrants as to the individual Mortgage loans that as of the origination date of any Mortgage loan containing Electronic Application Documents signed via E-Sign Technology, the following statements are true: - Due Diligence Vendor-05/11/2026 |  | Resolved-Mortgage in file is electronically signed. Allowed per xxxxxx and xxxxxx Wholesale Non-Agency Broker Guides 03.09.2026. - Due Diligence Vendor-05/13/2026 | Months Reserves exceed minimum required - Reserves = 42.05 months – Required Reserves = 6 Months<br>LTV is less than guideline maximum - LTV = 53.98% - Max LTV = 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012330 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 2000012332 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000012338 | xxxxxx D B A | Closed | xxxxxx | 2026-05-19 14:12 | 2026-05-22 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Contract w/ addendums - Due Diligence Vendor-05/22/2026 <br>Ready for Review-Document Uploaded. - Seller-05/20/2026 <br>Ready for Review-Purchase contract attached. - Due Diligence Vendor-05/20/2026 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-05/19/2026 | Ready for Review-Document Uploaded. - Seller-05/20/2026<br>| Resolved-Received Contract w/ addendums - Due Diligence Vendor-05/22/2026<br>| Qualifying DTI below maximum allowed - 42% DTI, program allows to 50%. <br>Qualifying FICO score is at least 20 points above minimum for program - 807 FICO, 680 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012338 | xxxxxx D B A | Closed | xxxxxx | 2026-05-15 17:33 | 2026-05-15 20:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/15/2026 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-05/15/2026<br>| Qualifying DTI below maximum allowed - 42% DTI, program allows to 50%. <br>Qualifying FICO score is at least 20 points above minimum for program - 807 FICO, 680 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000012353 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 2000012355 | xxxxxx C A | Closed | xxxxxx | 2026-05-18 10:01 | 2026-05-20 11:24 | Resolved | 1 - Information C A | Credit | Eligibility | xxxxxx Foreign National Affidavit is missing or incomplete | Resolved-Received fully executed FN Affidavit - Due Diligence Vendor-05/20/2026 <br> Ready for Review-Document Uploaded. - Seller-05/19/2026 <br> Open-xxxxxx Foreign National Affidavit is Missing or Incomplete. - Due Diligence Vendor-05/18/2026 | Ready for Review-Document Uploaded. - Seller-05/19/2026<br>| Resolved-Received fully executed FN Affidavit - Due Diligence Vendor-05/20/2026<br>| Months Reserves exceed minimum required - Borrower has 66 months reserves, where 6 months are required.<br>Additional assets not used to qualify - Other checking account not used to qualify |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012358 | xxxxxx D B A C | Closed | xxxxxx | 2026-05-13 13:01 | 2026-05-26 19:56 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '27'). Client waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '27'). Client waiver applied to non-material Findings. - Due Diligence Vendor-05/13/2026<br>| Credit history exceeds minimum required - >2 years<br>Months Reserves exceed minimum required - >6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 2000012358 | xxxxxx D B A C | Closed | xxxxxx | 2026-05-15 10:38 | 2026-05-20 09:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received ITIN and drivers license. - Due Diligence Vendor-05/20/2026 <br>Ready for Review-ITIN borrower. Please see attached. - Due Diligence Vendor-05/18/2026 <br>Open-Borrower Citizenship Documentation Is Missing - Due Diligence Vendor-05/15/2026 |  | Resolved-Received ITIN and drivers license. - Due Diligence Vendor-05/20/2026<br>| Credit history exceeds minimum required - >2 years<br>Months Reserves exceed minimum required - >6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012358 | xxxxxx D B A C | Closed | xxxxxx | 2026-05-15 10:39 | 2026-05-19 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Latest/Final Application Document | Resolved-Upon further review, the loan file contained all required final 1003 - Due Diligence Vendor-05/19/2026 <br>Ready for Review-Page 31 of your indexed package. - Due Diligence Vendor-05/18/2026 <br>Open-Missing final 1003 - Due Diligence Vendor-05/15/2026 |  | Resolved-Upon further review, the loan file contained all required final 1003 - Due Diligence Vendor-05/19/2026<br>| Credit history exceeds minimum required - >2 years<br>Months Reserves exceed minimum required - >6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012358 | xxxxxx D B A C | Closed | xxxxxx | 2026-05-13 13:46 | 2026-05-18 11:31 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received acknowledgment that borrower received at closing. Finding Resolved. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-xxxxxx CD was sent to title only for closing and closer was advised to remove the $250 notary fee so a new CD was sent for closing (xxxxxx cash to close was the final CD) - Seller-05/18/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD xxxxxx is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is xxxxxx - Due Diligence Vendor-05/13/2026 | Ready for Review-xxxxxx CD was sent to title only for closing and closer was advised to remove the $250 notary fee so a new CD was sent for closing (xxxxxx cash to close was the final CD) - Seller-05/18/2026 | Resolved-Received acknowledgment that borrower received at closing. Finding Resolved. - Due Diligence Vendor-05/18/2026<br>| Credit history exceeds minimum required - >2 years<br>Months Reserves exceed minimum required - >6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012358 | xxxxxx D B A C | Closed | xxxxxx | 2026-05-13 13:46 | 2026-05-18 11:31 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received acknowledgement that Other paid by fee was paid by broker. Finding Resolved. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-$25 credit report fee was paid by other (broker) - Seller-05/18/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $123.01.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $25.00 Credit Report Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $25.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Final CD included a Lender credit of $98.01 for increase in closing cost above legal limit. Remediation options (1) within 60 days of consummation expires xxxxxx (2) within 60 days of discovery expires xxxxxx remains xxxxxx under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: xxxxxx remains xxxxxx - Due Diligence Vendor-05/13/2026 | Ready for Review-$25 credit report fee was paid by other (broker) - Seller-05/18/2026<br>| Resolved-Received acknowledgement that Other paid by fee was paid by broker. Finding Resolved. - Due Diligence Vendor-05/18/2026<br>| Credit history exceeds minimum required - >2 years<br>Months Reserves exceed minimum required - >6 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012371 | xxxxxx D A | Closed | xxxxxx | 2026-05-19 06:31 | 2026-05-29 10:59 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received wire request for closing funds. - Due Diligence Vendor-05/29/2026 <br>Ready for Review-Document Uploaded. - Seller-05/28/2026 <br>Open-Asset Qualification Does Not Meet Guideline Requirements per guidelines- Verified funds for closing to be wired directly to the closing agent prior to or as of the consummation date <br> (Note date). Wire transfer to include bank name, accountholder name, and account number. Bank used as <br> source of wire transfer must match the bank holding the assets verified in the loan file. - Due Diligence Vendor-05/19/2026 | Ready for Review-Document Uploaded. - Seller-05/28/2026<br>| Resolved-Received wire request for closing funds. - Due Diligence Vendor-05/29/2026<br>| Months Reserves exceed minimum required - 336.25 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 50.25 max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012371 | xxxxxx D A | Closed | xxxxxx | 2026-05-19 06:19 | 2026-05-21 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-General liability is a separate policy in the loan file. Coverage is sufficient. - Due Diligence Vendor-05/21/2026 <br> Open-Condo Master Insurance Policy Partially Provided Missing Condo master policy to cover xxxxxx general liability and fidelity coverage. Pg 1 shows general liability not covered, but other forms indicate it is included in one of the endorsements that is missing. - Due Diligence Vendor-05/19/2026 |  | Resolved-General liability is a separate policy in the loan file. Coverage is sufficient. - Due Diligence Vendor-05/21/2026<br>| Months Reserves exceed minimum required - 336.25 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 50.25 max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 2000012374 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 2000012400 | xxxxxx C B A | Closed | xxxxxx | 2026-05-22 07:21 | 2026-05-22 19:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Client exception granted to allow foreign national with a xxxxxx residence for xxxxxx program. Guides state must live in a foreign country. , Non-material waiver applied with comp factors. - Due Diligence Vendor-05/22/2026 <br> Open-exception in file pg 405 for Borrowers currently live in xxxxxx - Borrower's primary residence must be in a foreign country. Borrowers with a primary<br> residence in the xxxxxx are ineligible - Due Diligence Vendor-05/22/2026 |  | Waived-Client exception granted to allow foreign national with a xxxxxx residence for xxxxxx program. Guides state must live in a foreign country. , Non-material waiver applied with comp factors. - Due Diligence Vendor-05/22/2026 | Months Reserves exceed minimum required - borrower has over 100 months in reserves <br>Additional assets not used to qualify - borrower has additional assets for reserves over 300K |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012402 | xxxxxx D B A | Closed | xxxxxx | 2026-05-21 12:43 | 2026-05-29 10:22 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received explanation and system printout that COC did not print, but STI changed causing Lender credit to change. Finding Resolved. - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. - Seller-05/28/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($3,412.50) does not exceed or equal the comparable sum of specific and non-specific lender credits ($3,588.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $3,588.00 to $3,412.50 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $175.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Remediation options (1) within 60 days of consummation expires xxxxxx (2) within 60 days of discovery expires xxxxxx remains xxxxxx under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: xxxxxx remains xxxxxx - Due Diligence Vendor-05/21/2026 | Ready for Review-Document Uploaded. - Seller-05/28/2026<br>| Resolved-Received explanation and system printout that COC did not print, but STI changed causing Lender credit to change. Finding Resolved. - Due Diligence Vendor-05/29/2026<br>| Qualifying DTI below maximum allowed - 50% max - have 39.26% DTI<br>Months Reserves exceed minimum required - 0 req -- have 7.05 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012402 | xxxxxx D B A | Closed | xxxxxx | 2026-05-21 12:43 | 2026-05-28 10:52 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received notice borrower received at closing. Finding Resolved. - Due Diligence Vendor-05/28/2026 <br> Ready for Review-Document Uploaded. - Seller-05/27/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD xxxxxx-1 is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-05/21/2026 | Ready for Review-Document Uploaded. - Seller-05/27/2026<br>| Resolved-Received notice borrower received at closing. Finding Resolved. - Due Diligence Vendor-05/28/2026<br>| Qualifying DTI below maximum allowed - 50% max - have 39.26% DTI<br>Months Reserves exceed minimum required - 0 req -- have 7.05 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012402 | xxxxxx D B A | Closed | xxxxxx | 2026-05-21 12:43 | 2026-05-28 10:52 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/28/2026 <br> Ready for Review-xxxxxx is the xxxxxx housing and was disclose as part of the recording fee, this is not a transfer tax - Seller-05/27/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $225.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by xxxxxx (Transfer Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of xxxxxx, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires xxxxxx (2) within 60 days of discovery expires xxxxxx remains xxxxxx under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: xxxxxx remains xxxxxx - Due Diligence Vendor-05/21/2026 | Ready for Review-$225 is the xxxxxx and was disclose as part of the recording fee, this is not a transfer tax - Seller-05/27/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/28/2026<br>| Qualifying DTI below maximum allowed - 50% max - have 39.26% DTI<br>Months Reserves exceed minimum required - 0 req -- have 7.05 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012402 | xxxxxx D B A | Closed | xxxxxx | 2026-05-26 15:17 | 2026-05-28 10:50 | Resolved | 1 - Information C A | Compliance | Closing | Missing evidence of appraisal being received 3 or more days prior to closing was not met | Resolved-Received notification of value sent 05/01/2026. Finding Resolved. - Due Diligence Vendor-05/28/2026 <br> Ready for Review-Document Uploaded. - Seller-05/27/2026 <br> Open-Missing evidence of appraisal being received 3 or more days prior to closing was not met. - Due Diligence Vendor-05/26/2026 | Ready for Review-Document Uploaded. - Seller-05/27/2026<br>| Resolved-Received notification of value sent 05/01/2026. Finding Resolved. - Due Diligence Vendor-05/28/2026<br>| Qualifying DTI below maximum allowed - 50% max - have 39.26% DTI<br>Months Reserves exceed minimum required - 0 req -- have 7.05 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 2000012402 | xxxxxx D B A | Closed | xxxxxx | 2026-05-21 12:03 | 2026-05-26 16:22 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Escrow Waiver is Missing | Waived-Escrow Waiver is Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/21/2026 |  | Waived-Escrow Waiver is Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-05/21/2026<br>| Qualifying DTI below maximum allowed - 50% max - have 39.26% DTI<br>Months Reserves exceed minimum required - 0 req -- have 7.05 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012441 | xxxxxx C B A | Closed | xxxxxx | 2026-06-05 12:09 | 2026-06-05 13:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Exception approval for loan amount less than minimum requirement of $150,000. - Due Diligence Vendor-06/05/2026 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $150000 Lender Exception approval in file for loan amount xxxxxx. Per xxxxxx Wholesale Non-Agency Loan LTV Matrix 03.09.2026 minimum loan amount $150K. - Due Diligence Vendor-06/05/2026 |  | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Exception approval for loan amount less than minimum requirement of $150,000. - Due Diligence Vendor-06/05/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.031, Per guides minimum DSCR 0<br>Months Reserves exceed minimum required - 55.9mos reserves. Per guides, 6 reserves required | -21yrs at present address<br> - Locked with prepay and escrows | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012441 | xxxxxx C B A | Closed | xxxxxx | 2026-06-05 10:43 | 2026-06-05 13:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Exception approved for xxxxxx not meeting minimum square footage and 1 bedroom minimum. Appraisal comparables are consistent with subject property and does not have an impact on marketability. - Due Diligence Vendor-06/05/2026 <br> Open-Lender Exception approval in file for subject property xxxxxx xxxxxx sqft efficiency unit. Per xxxxxx Guide 03.09.2026; minimum square footage 500ft.<br> - Due Diligence Vendor-06/05/2026 |  | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Exception approved for condo not meeting minimum square footage and 1 bedroom minimum. Appraisal comparables are consistent with subject property and does not have an impact on marketability. - Due Diligence Vendor-06/05/2026 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.031, Per guides minimum DSCR 0<br>Months Reserves exceed minimum required - 55.9mos reserves. Per guides, 6 reserves required | -21yrs at present address<br> - Locked with prepay and escrows | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 2000012475 | xxxxxx D A | Closed | xxxxxx | 2026-06-05 12:38 | 2026-06-09 08:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, Fraud report in file dated 5/19 reflects UDM started xxxxxx. Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/09/2026 <br> Ready for Review-Fraud report in file with UDM dated xxxxxx is within 10 days of note date. - Due Diligence Vendor-06/08/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing gap credit report for borrower. - Due Diligence Vendor-06/05/2026 |  | Resolved-Upon further review, Fraud report in file dated 5/19 reflects UDM started xxxxxx. Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 726 which exceeds the minimum of 720<br>Qualifying DTI below maximum allowed - DTI of 32.02% is below the maximum allowed per guidelines of 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |

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## Exhibit 99.17

**EXHIBIT 99.17**

**clarifii rating agency grades summary report**

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades Moody's** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades Moody's** | **Final Compliance Loan Grades Moody's** | **Final Property Loan Grades Moody's** | **Final Overall Loan Grades Moody's** |
| 846884 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 848612 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849620 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 851429 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851662 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851681 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 851775 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 851930 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 852067 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852089 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 852142 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 852275 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 852408 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 852455 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853263 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853563 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 853980 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854084 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 854264 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 854470 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854545 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 854738 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854857 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854923 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 854993 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855009 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 855556 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855654 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 855729 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 855799 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 856354 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 856636 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 856807 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857156 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857174 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 857425 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 857434 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857440 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 857499 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 857799 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858046 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 858055 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 858160 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 858358 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 858515 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 858556 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 858558 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 858730 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 858757 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 858798 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 858802 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 858803 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 858821 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 858872 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 858935 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859080 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859138 | xxxxxx | xxxxxx A | A | A B | B | B A | A | A B | B | B |
| 859165 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 859168 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 859253 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 859297 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859651 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859656 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859710 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859762 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859766 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859782 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 859784 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 859787 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 859802 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 859825 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 859933 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 859936 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 859942 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 859973 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860011 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860026 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860031 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860033 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 860068 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860080 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860099 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860235 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 860241 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860248 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860251 | xxxxxx | xxxxxx A | A | A B | B | B A | A | A | A | A |
| 860254 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 860293 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 860315 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860331 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A B | B | B |
| 860338 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 860371 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860381 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860431 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860498 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860510 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860511 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860519 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860555 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860639 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860642 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 860647 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860649 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860660 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860665 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860670 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860672 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860680 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860681 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860685 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860689 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860696 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860697 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860701 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 860702 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860707 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860734 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 860787 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860800 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860806 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860809 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 860815 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 860822 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 860835 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860847 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 860849 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860884 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860886 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 860902 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860933 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 860939 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 860996 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861009 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861087 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861091 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861095 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861114 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861122 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861133 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 861135 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 861136 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 861190 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861205 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861215 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861340 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 861371 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861385 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861410 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861440 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 861448 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861454 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861455 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861504 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861593 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861604 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861607 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861608 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 861624 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861648 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861651 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 861655 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861667 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 861673 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 861682 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861689 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 861698 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861704 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861705 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861710 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861713 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861715 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861736 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861752 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861761 | xxxxxx | xxxxxx C | C A | A C | C | C B | B A | A | A B | B |
| 861779 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861799 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 861803 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 861804 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 861810 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 861817 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861818 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 861970 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 861989 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862030 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 862044 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 862045 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 862075 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862079 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862080 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862089 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 862107 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 862126 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 862144 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 862175 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862183 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862192 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 862195 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 862197 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862271 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862285 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862290 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862328 | xxxxxx | xxxxxx C | C A | A D | D | D A | A | A | A | A |
| 862342 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862494 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862510 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 862519 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 862521 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862526 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 862542 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 862552 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862559 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 862579 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 862615 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862640 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862643 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862690 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 862694 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 862697 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 862727 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 862733 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 862738 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 862741 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862753 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862770 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 862772 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862777 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862793 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 862795 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 862796 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 862797 | xxxxxx | xxxxxx C | C A | A D | D | D A | A | A | A | A |
| 862799 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 862803 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A B | B A | A B | B |
| 862811 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 862823 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862832 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 862834 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 862838 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 862840 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 862841 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 862847 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 862852 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 862860 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 862868 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862873 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 862874 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 862876 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 862877 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 862879 | xxxxxx | xxxxxx C | C | C D | D | D A | A | A | A | A |
| 862887 | xxxxxx | xxxxxx D | D | D A | A D | D B | B A | A | A B | B |
| 862889 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 862898 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 862899 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 862904 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 862906 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 862907 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 862955 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 862958 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 862993 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 863007 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 863012 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 863051 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 863077 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B A | A | A B | B |
| 863085 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 863089 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 863092 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 863093 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 863094 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 863101 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 863104 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 863113 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 863119 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B A | A | A B | B |
| 863128 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 863140 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 863178 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 863179 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 863183 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 863185 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 863209 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 863213 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 863214 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 863224 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 863236 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 863237 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 863241 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 863244 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 863271 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 863275 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 863294 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 863295 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 863299 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 863302 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 863309 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 863310 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 863314 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 863320 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 863334 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 863345 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 863424 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 863476 | xxxxxx | xxxxxx C | C A | A C | C | C B | B A | A | A B | B |
| 863491 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 863494 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 863553 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 863576 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 863577 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 863591 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 863598 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 863640 | xxxxxx | xxxxxx D | D | D | D | D A | A B | B A | A B | B |
| 863647 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 863649 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 863663 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 863670 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 863691 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 863693 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 863694 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 863699 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 863704 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 863719 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 863727 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 863755 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 863805 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A B | B A | A B | B |
| 863806 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 863826 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 863853 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 863860 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 863863 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 863864 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 863869 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 863901 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 863905 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 863907 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C B | N/A B | N/A | N/A B | N/A B |
| 863915 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 863930 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 863932 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 863947 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864005 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 864006 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864010 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 864024 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864034 | xxxxxx | xxxxxx C | C D | D A | A D | D B | B A | A | A B | B |
| 864043 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 864056 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864090 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A C | C A | A C | C |
| 864100 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864116 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 864126 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 864127 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864141 | xxxxxx | xxxxxx C | C D | D C | C D | D A | A B | B A | A B | B |
| 864151 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 864166 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 864173 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 864176 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864179 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 864181 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 864182 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 864183 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 864184 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864185 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864186 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864193 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864195 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864196 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864197 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864198 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864199 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864200 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 864205 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 864208 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864209 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864210 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 864214 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 864218 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864219 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 864220 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864222 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864223 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864224 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864226 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864231 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864232 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864237 | xxxxxx | xxxxxx C | N/A C B | N/A B | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 864260 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864266 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 864302 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 864305 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864306 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 864309 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 864311 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864312 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 864322 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864330 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864350 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864361 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864362 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 864379 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 864386 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864387 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 864399 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 864410 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864424 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 864428 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864430 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 864441 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 864455 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 864456 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 864458 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 864459 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864460 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A B | B A | A B | B |
| 864462 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 864463 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 864464 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864465 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 864466 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864468 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 864473 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 864475 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 864476 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864478 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864483 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 864485 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864486 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864488 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864489 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864491 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864495 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864497 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 864501 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864502 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864548 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864550 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 864557 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 864559 | xxxxxx | xxxxxx B | B | B A | A B | B | B | B A | A B | B |
| 864561 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864562 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864563 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864568 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 864575 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 864577 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 864597 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864611 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 864616 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 864630 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
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| 864643 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
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| 864701 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 864713 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 864717 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864728 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 864745 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 864775 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 864789 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864794 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864858 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864860 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864863 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864865 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 864869 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 864901 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864902 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 864911 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864913 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 864924 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 864928 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 864988 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865004 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865005 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 865009 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 865010 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 865011 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 865014 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 865023 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865026 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 865027 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 865029 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865030 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865031 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865034 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 865035 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 865037 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 865042 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 865044 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 865051 | xxxxxx | xxxxxx C | C D | D A | A D | D A | A | A | A | A |
| 865052 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 865053 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865056 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 865060 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 865062 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 865063 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 865066 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 865068 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865074 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 865076 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865078 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 865079 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 865081 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 865086 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 865088 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 865089 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 865096 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 865097 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 865101 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 865103 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 865105 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 865107 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865108 | xxxxxx | xxxxxx D | D C | C A | A D | D B | B | B A | A B | B |
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| 865114 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 865117 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 865118 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 865120 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865121 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865123 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865125 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 865127 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865128 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 865131 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 865133 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865135 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865137 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 865138 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 865139 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 865141 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865143 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 865144 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 865146 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 865147 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 865148 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865149 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865151 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865152 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865158 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
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| 865184 | xxxxxx | xxxxxx C | C A | A C | C | C B | B A | A | A B | B |
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| 865210 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865243 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
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| 865250 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 865251 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865261 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865263 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865264 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865265 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865279 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865289 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
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| 865324 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
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| 865333 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865339 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
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| 865342 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865345 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 865346 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 865347 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 865372 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 865380 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865389 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 865585 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865587 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865589 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865593 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 865595 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865597 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865602 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 865603 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865604 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865605 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865606 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865607 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865608 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 865623 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865624 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 865625 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865626 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 865629 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865634 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 865635 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 865639 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865640 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 865641 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865642 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865645 | xxxxxx | xxxxxx D | D | D A | A D | D B | B A | A | A B | B |
| 865646 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865651 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 865653 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 865655 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865662 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865663 | xxxxxx | xxxxxx D | D A | A | A B D | D A | A | A | A B | A B |
| 865665 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 865670 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865674 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865686 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 865693 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 865708 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865715 | xxxxxx | xxxxxx A | A B | B C | C | C A | A B | B | B | B |
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| 865778 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 865785 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A C | C A | A C | C |
| 865786 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865825 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B A | A | A B | B |
| 865829 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865903 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 865905 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865908 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865913 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A | A | A | A |
| 865946 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865972 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 865977 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 865986 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 865997 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 866007 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 866016 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866019 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866020 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866022 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866029 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866037 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 866038 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 866039 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 866055 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866056 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 866072 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866076 | xxxxxx | xxxxxx B | B C | C A | A C | C B | B A | A | A B | B |
| 866151 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866184 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866212 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 866250 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 866262 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 866267 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866336 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866372 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866425 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866439 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866517 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866534 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866535 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866536 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 866537 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866538 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 866539 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866540 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 866542 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866544 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866547 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866548 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866551 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866552 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866553 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 866556 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866558 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866561 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 866635 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866694 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 866996 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 2000011421 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011435 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 2000011441 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 2000011454 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011456 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 2000011457 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 2000011459 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 2000011475 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 2000011502 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011508 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000011516 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000011520 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011533 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 2000011534 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 2000011565 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000011566 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 2000011572 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000011580 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011582 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 2000011605 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011606 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000011624 | xxxxxx | xxxxxx 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 |
| 2000011659 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 2000011676 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011705 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 2000011706 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 2000011707 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 2000011764 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011783 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000011799 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000011822 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011826 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000011832 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011833 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 2000011840 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011864 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 2000011873 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 2000011885 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000011908 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 2000011912 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000011921 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 2000011925 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 2000011967 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 2000012022 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 2000012028 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 2000012029 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 2000012042 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 2000012059 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C B | N/A B | N/A B | N/A B | N/A B |
| 2000012066 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 2000012067 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 2000012072 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000012075 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 2000012077 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2000012079 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 2000012094 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 2000012108 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 2000012116 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 2000012117 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000012119 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000012120 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A | A | A | A |
| 2000012127 | xxxxxx | xxxxxx 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 |
| 2000012128 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000012129 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 2000012138 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000012142 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 2000012148 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 2000012152 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 2000012153 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 2000012157 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000012162 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 2000012166 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 2000012173 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2000012176 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 2000012183 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000012186 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000012187 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 2000012192 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000012194 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 2000012196 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000012209 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000012211 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000012224 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 2000012230 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 2000012231 | xxxxxx | xxxxxx C | C | C A | A C | C A | A | A | A | A |
| 2000012234 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A B | B A | A B | B |
| 2000012235 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A |
| 2000012244 | xxxxxx | xxxxxx D | D A | A C | C D | D B | B A | A | A B | B |
| 2000012246 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000012255 | xxxxxx | xxxxxx C | C D | D A | A D | D B | B | B A | A B | B |
| 2000012261 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 2000012263 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 2000012265 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 2000012276 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 2000012280 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 2000012281 | xxxxxx | xxxxxx 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 |
| 2000012287 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000012299 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000012306 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 2000012307 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000012328 | xxxxxx | xxxxxx C | C A | A C | C | C A | A | A | A | A |
| 2000012330 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000012332 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000012338 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 2000012353 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000012355 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 2000012358 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 2000012371 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 2000012374 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 2000012400 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 2000012402 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 2000012441 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 2000012475 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A |

---

## Exhibit 99.18

**EXHIBIT 99.18**

**Clarifii data compare report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 846884 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.451 | 1.73252598788982 | Audit value based on file docs. 3 properties treated as vacant and where applicable, lender's lower rent amount used. |
| 846884 | xxxxxx | xxxxxx | Primary Appraised Property Value | crossCollateralPropertyDataPage | xxxxxx | xxxxxx | Audit value per appraisals in file. |
| 849620 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 851662 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 851662 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 853263 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 853263 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 45.93 | 41.25 | Audit in line with 1008 |
| 853263 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 45.93 | 41.25 | Audit in line with 1008 |
| 853980 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per note |
| 853980 | xxxxxx | xxxxxx | Margin | notePage | 6.5 | 2.000 | Per note |
| 853980 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 6 | 5 | Per Appraisal |
| 853980 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per note |
| 854084 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 854470 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 10.9 | 8.00 | used c/o |
| 854545 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 854857 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 855009 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 855009 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 855009 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 40.59 | 40.68 | Audit CLTV matches the Approval |
| 855009 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 40.59 | 40.68 | Audit LTV matches the Approval |
| 855556 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 855556 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 75 | 73.94 | Audit CLTV based on the lower sales price |
| 855556 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 75 | 73.94 | Audit LTV based on the lower sales price |
| 855556 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Audit value is sales price, not the appraised value. |
| 855654 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 855654 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 855729 | xxxxxx | xxxxxx | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Borrower received more the lesser of 2% or $5,000 |
| 855799 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 856354 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 70 | 0.00 | LTV is 70% |
| 856636 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 856636 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 804 | 803 | Per Credit Report |
| 857156 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.97 | 49.00 | Difference is missing the lease agreement for the 2nd unit of the Primary used for income. |
| 857434 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 857440 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 857440 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 857440 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.51 | 22.14 | Matches 1008 |
| 857499 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 857499 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 857499 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 63.73 | 62.00 | Loan amount/Appraised value. Variance due to difference in loan amount. |
| 857499 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 63.73 | 62.00 | Loan amount/Appraised value. Variance due to difference in loan amount. |
| 857799 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Borrower brought funds to closing. |
| 858055 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 858055 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 70 | 61.59 | audit in line with 1008 |
| 858055 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 70 | 61.59 | audit in line with 1008 |
| 858358 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per note |
| 858558 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 70 | 63.78 | matches 1008 |
| 858802 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 24 | Per note |
| 858803 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per note |
| 858803 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per note |
| 858803 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 61.91 | 65.00 | Loan Amount/Appraised Value. |
| 858803 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 61.91 | 65.00 | Loan Amount/Appraised Value. |
| 858821 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.5 | 6.6250 | per note |
| 859080 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per executed note |
| 859080 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 859168 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per note |
| 859168 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 59.9 | 55.00 | Matches approval |
| 859168 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 59.9 | 55.00 | Matches approval |
| 859297 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.25 | 6.8750 | Per note |
| 859656 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per note |
| 859710 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 859710 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 62 | 65.00 | Per Note and Appraised value |
| 859710 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 62 | 65.00 | Per Note and Appraised value |
| 859710 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Rate/Term refi, payoff of private mortgage. |
| 859762 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 859766 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per cd |
| 859784 | xxxxxx | xxxxxx | Borrower 1 Years in Current Home | the1003Page | 3 | 36 | audit captured years, not months |
| 859784 | xxxxxx | xxxxxx | Borrower 2 Years in Current Home | the1003Page | 3 | 36 | audit captured years, not months |
| 859784 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | DSCR per 1003 |
| 859784 | xxxxxx | xxxxxx | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Primary & subject |
| 859787 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Personal Bank Stmt: 12 Mos | B2 is primary income earner and is WVOE documented |
| 859802 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 859825 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.24 | 27.76 | audit in line with 1008 |
| 859825 | xxxxxx | xxxxxx | Term | notePage | 360 | 120 | Per Note |
| 859933 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 859936 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note, 1st borrower |
| 859942 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 859942 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per credit report |
| 860033 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 1 | Per Appraisal |
| 860033 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 860033 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 860033 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 31.52 | 32.25 | Per Credit report balance for 1st lien. |
| 860033 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 16.96 | 17.33 | Per 1008. |
| 860033 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.91 | 19.23 | Audit calculated higher debts |
| 860080 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 860099 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 766.88 | dscr - no dti |
| 860235 | xxxxxx | xxxxxx | Interest Rate | notePage | 7 | 8.0000 | Per note |
| 860235 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 748 | 755 | Audit received non expired credit report and FICO mirrors UW 1008 |
| 860241 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per Note |
| 860254 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 5 | 1 | Per Appraisal |
| 860315 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.338 | 1.4 | Audit used higher tax amount. |
| 860315 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.99 | 0.0699 | per executed note |
| 860315 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per executed note |
| 860331 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 860338 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per note |
| 860371 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.875 | 0.0688 | Per Note |
| 860381 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per ntoe and first payment letter |
| 860498 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per note |
| 860498 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 18.33 | 16.67 | audit in line with 1008 |
| 860498 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 18.33 | 16.67 | audit in line with 1008 |
| 860510 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 8 | 1 | Per Appraisal |
| 860519 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.45 | 46.47 | auditor dti matches to 1008 by lender |
| 860555 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Verification with the lender |
| 860642 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.53 | 37.47 | Audit DTI within 2% of Lender DTI on 1008 |
| 860649 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 860649 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 654 | 644 | Per credit report. |
| 860649 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1.00 | dscr - no dti |
| 860660 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per credit report |
| 860660 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.398 | 1.293 | unable to determine discrepancy lender calculation not provided |
| 860660 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per settlement statement |
| 860665 | xxxxxx | xxxxxx | Loan Origination Company NMLS | the1003Page | xxxxxx | xxxxxx | Per final 1003 |
| 860665 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | 7185.72 | 8334.48 | Per note |
| 860670 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Different date format |
| 860670 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.879 | 1.532 | 1025-market rent/ PITIA |
| 860670 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Different date format |
| 860670 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Different date format |
| 860670 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 860670 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Different date format |
| 860670 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 257496.56 | 122.00 | Per bank statements |
| 860670 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 860672 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per application |
| 860672 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 860672 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 860672 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 10504.24 | 11.00 | Per bank statements |
| 860672 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | per note |
| 860680 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per credit |
| 860680 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.477 | 1.413 | Audit DSCR matches Lender DSCR from Worksheet/1008 |
| 860680 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | per purchase contract |
| 860680 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 193145 | 194.00 | Per asset statement |
| 860681 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 34922.16 | 18.00 | Audit captured liquid funds documented in file |
| 860685 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per credit report |
| 860685 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.039 | 1.08 | Lender did not provide DSCR breakdown |
| 860685 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per executed settlement statement |
| 860685 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per executed settlement statement |
| 860685 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per executed note |
| 860685 | xxxxxx | xxxxxx | Property Attachment Type | propertyValuationPage | Detached | Attached | Per Appraisal. |
| 860696 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Application |
| 860696 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | false | TRUE | Per Final 1003 |
| 860696 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final Settlement Statement |
| 860696 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final Settlement Statement |
| 860696 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | per appraisal |
| 860696 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 860696 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 86170.86 | 50.00 | Per Bank Statements |
| 860696 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 860697 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per CBR |
| 860701 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 20778.98 | 6.00 | Audit value includes all assets in file. |
| 860701 | xxxxxx | xxxxxx | Loan Origination Company NMLS | the1003Page | xxxxxx | xxxxxx | Per final 1003 |
| 860702 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per credit report |
| 860702 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 142449.45 | 97.00 | per settlement statement |
| 860734 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 860734 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 860787 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 860800 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per note |
| 860800 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 72.66 | 70.00 | Due to delayed financing LTV based off lesser of value, used purchase price. |
| 860800 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.36 | 46.87 | Audit UW included business debt since not 6 mos old |
| 860800 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Full Doc | 2YR Full Doc | Per documentation provided |
| 860809 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note, only one guarantor signed |
| 860809 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note, only one guarantor signed |
| 860815 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per note |
| 860815 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per credit repor |
| 860822 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per note. |
| 860822 | xxxxxx | xxxxxx | Interest Rate | notePage | 7 | 6.8750 | per note |
| 860822 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per note |
| 860822 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 65 | 60.00 | Per appraised value/loan amount |
| 860835 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Tape reported Cash out and Audit determined Rate term with Final closing disclosure and appraisal. |
| 860849 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 804 | 793 | Per guides highest qualifying score |
| 860884 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per note. |
| 860884 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 860884 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 64.98 | 64.55 | Audit LTV matches lenders per 1008 |
| 860933 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 860939 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per note |
| 861087 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per application |
| 861114 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.599 | 0.0660 | Per note |
| 861114 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 861114 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | MULTI-FAMILY | Per Appraisal |
| 861122 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 861122 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 861122 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 62.8 | 68.92 | Audit LTV matches lenders per 1008 |
| 861190 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 861215 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 861340 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income |
| 861410 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | ppp addendum |
| 861440 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 5 | 1 | Per Appraisal |
| 861440 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Mixed Use | Other | Per Appraisal |
| 861448 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861448 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.375 | 7.5000 | Per Note |
| 861448 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 861448 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 677 | 678 | Per Credit report |
| 861448 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 70 | 74.25 | Audit matches lender's LTV per 1008 |
| 861454 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 861454 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 861455 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 861593 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 861607 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 861608 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.42 | 22.00 | Audit DTI in line with final 1008 DTI |
| 861648 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 861648 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 779 | 765 | Per credit report |
| 861667 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per CBR on file |
| 861667 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.164 | 1.152 | Audit used Market Rent/ PITIA. Lender Calculation not provided |
| 861667 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Final Sales price |
| 861667 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 4921.15 | 3.00 | Confirmed reserves |
| 861673 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Audit data is appraised value, tape is purchase price. |
| 861673 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 131432.81 | 70.00 | Audit data in line with 1008 verified assets less cash to close. |
| 861682 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note |
| 861682 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 33864.78 | 6.00 | Per assets in file |
| 861682 | xxxxxx | xxxxxx | Loan Origination Company NMLS | the1003Page | xxxxxx | xxxxxx | Per final 1003 |
| 861682 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 861689 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per credit report |
| 861689 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.008 | 1.067 | Audit used Market Rent/ PITIA. Lender Calculation not provided |
| 861689 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per note |
| 861689 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 19329.66 | 9.00 | Per Hud, cash out |
| 861689 | xxxxxx | xxxxxx | Loan Origination Company NMLS | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 861698 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.011 | 1 | Due to audit calculated a higher total PITI payment (including the HOA) |
| 861698 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD |
| 861698 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note |
| 861698 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 23551.72 | 54.00 | Per asset documentaion |
| 861704 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per app |
| 861704 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 2.871 | 2.78 | Audit used Actual Rent/ PITIA. Lender Calculation not provided |
| 861704 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per cd |
| 861704 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 78610.87 | 117.00 | Audit value includes cash out. |
| 861705 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | ANTI STEERING DOC- PAGE 466 |
| 861705 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 2.225 | 2.099 | No calculation provided |
| 861705 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Lower of sale price/value |
| 861705 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | NOTE |
| 861705 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 149639.45 | 125.00 | Per asset verification |
| 861705 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 796 | 806 | Credit Report |
| 861710 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per fraud guard |
| 861710 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note |
| 861710 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | 13024.8 | 13893.10 | Per note |
| 861713 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per CBR |
| 861713 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 861713 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | false | TRUE | Per 1003 |
| 861713 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 861713 | xxxxxx | xxxxxx | Borrower 2 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 861713 | xxxxxx | xxxxxx | Borrower 2 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 861713 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 861713 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861713 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 861713 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | 13912.5 | 15100.00 | Per Note |
| 861715 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.996 | 0.982 | Audit used Market Rent/ PITIA. Lender Calculation not provided |
| 861715 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per final settlement statement |
| 861715 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note |
| 861715 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 81845.22 | 198.00 | Per checking/savings/cash out |
| 861715 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 861761 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note in file |
| 861761 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per Note in file |
| 861761 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 63.84 | 65.00 | Per Purchase Contract |
| 861761 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 63.84 | 65.00 | Per Purchase Contract |
| 861761 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Purchase Contract |
| 861803 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per final cd |
| 861804 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 861804 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 32.00 | DSCR |
| 861810 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 861818 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per PCCD |
| 861818 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note and CDs |
| 861818 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.3 | 25.40 | Audit calculated lower housing expenses. |
| 861970 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 861970 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 861970 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 14.71 | 14.81 | per Approval |
| 862045 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.625 | 6.5000 | Per Note |
| 862045 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.55 | 44.69 | Within 2% of Lender DTI on 1008 |
| 862080 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per final cd |
| 862089 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 50.3 | 49.36 | Lender calc missing Jan 2026 and qualified on 11 mos and not 12. Revolving debt not paid off-used monthly payment from initial credit report. |
| 862126 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per documentation provided and Loan approval. |
| 862144 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 862144 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | per sales price |
| 862175 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 862183 | xxxxxx | xxxxxx | Sales Price | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Loan Purpose is Refinance |
| 862192 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 862271 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 862342 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 862510 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.57 | 42.00 | Within 2% of Lender DTI on 1008 |
| 862510 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income |
| 862526 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final cd |
| 862542 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 862542 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income |
| 862552 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 862552 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 683 | 695 | Use the middle of three (3) credit scores per guides. |
| 862552 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 9.32 | 12.42 | With-in 2% of 1008. |
| 862559 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income |
| 862615 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | per note |
| 862615 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | per note |
| 862640 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 862643 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 862643 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final Cd |
| 862694 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 862694 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 734 | 763 | Per credit report |
| 862697 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 796 | 784 | mid-score for primary wage earner per guidelines. |
| 862727 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 862727 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 862738 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per executed note |
| 862741 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per app |
| 862741 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per note |
| 862741 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 8236.90 | DSCR no DTI |
| 862770 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 862770 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862770 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.94 | 49.98 | REO income/ loss calculated is different from what the Lender calculated. |
| 862772 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | PER INITIAL 1003 |
| 862772 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | PER NOTE |
| 862777 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 862777 | xxxxxx | xxxxxx | ULI | the1003Page | xxxxxx | xxxxxx | Per Final 1003 |
| 862793 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862796 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 862796 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862797 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 862797 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| 862799 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per executed note |
| 862803 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per Note |
| 862811 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862811 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.69 | 26.98 | credit report missing from file |
| 862823 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note in final |
| 862832 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per Note |
| 862834 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 862838 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Intent to Proceed |
| 862838 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 862838 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862838 | xxxxxx | xxxxxx | Occupancy | the1003Page | Primary Residence | OwnerOccupied | Per 1008 |
| 862840 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal |
| 862840 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per note |
| 862841 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per Note |
| 862847 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per note |
| 862852 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD in file |
| 862852 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note in file |
| 862860 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note |
| 862868 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per CD. |
| 862868 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note. |
| 862873 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 862873 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862874 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 862876 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note. |
| 862876 | xxxxxx | xxxxxx | Occupancy | the1003Page | Primary Residence | OwnerOccupied | Per 1003 |
| 862877 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 862877 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862879 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862887 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Initial 1003 is missing |
| 862887 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862887 | xxxxxx | xxxxxx | Occupancy | the1003Page | Second Home | OwnerOccupied | Per 1003 |
| 862887 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 862887 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.13 | 15.74 | Per updated 1008. |
| 862889 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per CD |
| 862889 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per note |
| 862889 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 862898 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Using lower sales price vs appraised value. |
| 862898 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.32 | 34.55 | Lender excluded Auto loan debts without documentation. |
| 862899 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Warrantable per Docs in file. |
| 862899 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862904 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862906 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 862907 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 862958 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 862958 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 862958 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.23 | 20.00 | Audit DTI w/in tolerance of lenders per 1008 |
| 862993 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income |
| 863051 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per Appraisal |
| 863085 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Loan Approval |
| 863085 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863085 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | false | TRUE | Per 1003 |
| 863085 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863085 | xxxxxx | xxxxxx | Borrower 2 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863085 | xxxxxx | xxxxxx | Borrower 2 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863085 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 863085 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863085 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 1644166.28 | 59.00 | Cash out loan, source of tape is unknown |
| 863085 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per 1003 |
| 863089 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 863089 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | per appraisal |
| 863089 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863092 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 863092 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final Settlement |
| 863092 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final Settlement |
| 863092 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863092 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 65333.19 | 3.00 | per bank statements |
| 863092 | xxxxxx | xxxxxx | Loan Origination Company NMLS | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 863093 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per settlement statement |
| 863093 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 863094 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 863094 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.47 | 1.606 | 1007/PITIA.Calculation not provided. |
| 863094 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 863094 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 863094 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863094 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 132662.52 | 6.00 | Per bank statements |
| 863094 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 3 | 1 | total mtg props - 1003 |
| 863101 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial application |
| 863101 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 863101 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per settlement stmnt |
| 863101 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863101 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 96770.25 | 19.00 | Cashout proceeds as available assets/reserves. |
| 863101 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | 32500 | 36000.00 | Per prepayment Penalty Addendum |
| 863104 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | From Credit Report |
| 863104 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 478706.36 | 102.00 | Per audit |
| 863113 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit |
| 863113 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per HUD |
| 863113 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per HUD |
| 863113 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863119 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per application |
| 863119 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per final cd |
| 863119 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per final cd |
| 863119 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per Note |
| 863119 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 77433.28 | 21.00 | Per assets. |
| 863119 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | per note |
| 863119 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | per Note |
| 863128 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 863128 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 85333.64 | 45.00 | Per statements provided |
| 863128 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 863178 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 863183 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863185 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 863209 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863209 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.65 | 18.43 | Due to audit lower income |
| 863209 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | per income |
| 863213 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 863214 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 863224 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 863224 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income documentation |
| 863237 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.55 | 47.23 | matches the final 1008 |
| 863241 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | per final note and dot |
| 863241 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.78 | 46.85 | Audit DTI within 2% of Lender DTI on 1008 |
| 863244 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 776 | 793 | Updated credit report |
| 863271 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863271 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 863271 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.16 | 32.27 | matches 1008 |
| 863271 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | per income |
| 863275 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.75 | 6.6250 | per Note |
| 863275 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 863294 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 863294 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 69.27 | 69.84 | Matches 1008 |
| 863294 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 69.27 | 69.84 | Matches 1008 |
| 863295 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.43 | 22.73 | matches 1008 |
| 863295 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | per income |
| 863299 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | per executed note |
| 863299 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 863302 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.42 | 39.75 | No lender did not accurately calculate departure residence rent income. |
| 863309 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 863310 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 863310 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| 863314 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 863334 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 863334 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.34 | 39.91 | Matches 1008 |
| 863424 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 863424 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 89.99 | 0.00 | Per 1008. |
| 863476 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863476 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 863494 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.53 | 37.59 | matches 1008 |
| 863576 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 863576 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 66.64 | 67.26 | Audit matches 1008 - Per Loan Amount/Appraised Value |
| 863576 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 66.64 | 67.26 | audit Matches 1008 - Per Loan Amount/Appraised Value |
| 863576 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.75 | 30.40 | Within 2% of Lender DTI on 1008 |
| 863576 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per 1008 |
| 863577 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per note |
| 863577 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 696 | 683 | Using higher of mid for borrowers per guides |
| 863647 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 863649 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 863649 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.79 | 20.91 | Audit Matches 1008 |
| 863663 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 60 | 0 | Per Note. |
| 863670 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.33 | 25.37 | Matches 1008 |
| 863691 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 863691 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 863693 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863693 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 863693 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Docs in file are for 12 month P&L - not bk statements |
| 863694 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 863699 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 65 | 0.00 | Per approval. |
| 863719 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863719 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 863755 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 797 | 800 | Per credit. |
| 863853 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 863853 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 801 | 804 | Lowest Mid-Score used |
| 863853 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.13 | 42.48 | Auditor calculated income lower |
| 863860 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Condotel | Per appriaisal, warranty & questionnaire |
| 863864 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 6 | 5 | Per Appraisal |
| 863869 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | per income |
| 863915 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note and EX A |
| 863930 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 797 | 792 | Lowest Mid-Score used |
| 863930 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.1 | 41.49 | Matches 1008 |
| 863932 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.55 | 23.72 | Audit DTI in-line with 1008, UTD Tape value |
| 864005 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 773 | 788 | Audit value per only credit report in file. |
| 864005 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.7 | 13.00 | Audit value used higher expense factor. |
| 864005 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR 1099 | Asset Depletion Debt Ratio Calculation | per income |
| 864034 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per note |
| 864034 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 50 | 49.98 | Per Loan Amount/Appraised Value |
| 864043 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per note |
| 864090 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 864100 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per note |
| 864126 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | per note |
| 864127 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 864127 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 864141 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 864151 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.62 | 45.00 | Within 2% of Lender DTI on 1008 |
| 864173 | xxxxxx | xxxxxx | Qualifying HLTV | propertyValuationPage | 72.75 | 0.00 | No HLTV is required - LPA AUS |
| 864176 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Used CBR |
| 864176 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 864176 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 171730.28 | 116.00 | Per Asset documentation |
| 864176 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | 6466 | 4077.41 | Note |
| 864176 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 720 | 724 | Verified, lower of two, middle of three. Then use the highest decision score amongst all borrowers. |
| 864179 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per CBR |
| 864179 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.795 | 0.782 | Market rent/PITIA. |
| 864179 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 864179 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 94069.02 | 6.00 | Per assets provided |
| 864179 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per 1003 |
| 864181 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 864181 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 864182 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 864182 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 78454.86 | 21.00 | Per assets provided |
| 864182 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 864182 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 864183 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 864183 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | per final lock/1008 |
| 864183 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 864183 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | 21750 | 18850.00 | Per Note |
| 864184 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per appraisal |
| 864184 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 0 | 72.00 | Includes cash out |
| 864185 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per CBR |
| 864185 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.081 | 1.094 | Lender DSCR Breakdown not provided |
| 864185 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 81768.11 | 6.00 | Per Bank Statements |
| 864185 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | per Note |
| 864185 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | 6350 | 6250.00 | Per Note |
| 864186 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.878 | 1.639 | Lender has a different amount for property taxes |
| 864186 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 30214.54 | 12.00 | per asset statements |
| 864193 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | As per Audit |
| 864193 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 864193 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 70 | 63.64 | Per 1008. |
| 864193 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 70 | 63.64 | Per 1008. |
| 864195 | xxxxxx | xxxxxx | Loan Origination Company NMLS | the1003Page | xxxxxx | xxxxxx | Per final 1003 |
| 864195 | xxxxxx | xxxxxx | Vested Business Entity Name | notePage | xxxxxx | xxxxxx | Per note |
| 864196 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Used CBR missing initial 1003 |
| 864196 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per note |
| 864196 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per note |
| 864196 | xxxxxx | xxxxxx | Borrower 2 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 864196 | xxxxxx | xxxxxx | Property Attachment Type | propertyValuationPage | Attached | Detached | Per appraisal |
| 864197 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial application |
| 864197 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 864197 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 864197 | xxxxxx | xxxxxx | Borrower 2 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 864197 | xxxxxx | xxxxxx | Borrower 2 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 864197 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Settlement Statement |
| 864197 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per NMLS |
| 864198 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per PCCD |
| 864198 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 178357.91 | 20.00 | per assets |
| 864198 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | per note |
| 864198 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 864199 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial Credit Report |
| 864199 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final HUD |
| 864200 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | per note |
| 864200 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 864200 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 105312.2 | 63.00 | per assets. |
| 864200 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | per note |
| 864200 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 864205 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | true | FALSE | per 1003 |
| 864205 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 76635.56 | 34.00 | Per Bank Statements |
| 864205 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | per Note |
| 864205 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 683 | 685 | Per Credit Report |
| 864208 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 864209 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 864209 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | true | FALSE | FTHB per loan app |
| 864209 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 864209 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per sales price |
| 864209 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 3884.56 | 1.00 | Per assets |
| 864209 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | 15368.1 | 15368.12 | Per Note |
| 864210 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 43412.06 | 3.00 | per asset statement |
| 864210 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 864210 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 728 | 757 | per credit, middle of three per guides |
| 864219 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.039 | 1.008 | Lender breakdown not provided |
| 864219 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 207679 | 65.00 | Per cash out |
| 864219 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | 18620 | 18200.00 | Per Note |
| 864222 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per audit, Credit report date |
| 864222 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Lower sales price used qualifing. |
| 864222 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 23725.39 | 12.00 | Per assets provided. |
| 864222 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per 1003, Tape is State License |
| 864223 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.947 | 0.986 | Audit PITIA matches lenders. No DSCR wkst from lender for comparison |
| 864224 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Audit used credit report |
| 864224 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Settlement Statement |
| 864224 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 145077.25 | 0.00 | Loan proceeds from cashout refinance |
| 864224 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 864226 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | true | FALSE | Borrs are FTHB and First Time Investors |
| 864231 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Used CBR date |
| 864231 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 23599.58 | 14.00 | per asset statements |
| 864232 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 148097.59 | 166.00 | Per bank statements |
| 864232 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 796 | 806 | Per credit report highest mid score |
| 864237 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 864237 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 864260 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 12.06 | 44.16 | Lender excluded lease income |
| 864305 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per Appraisal |
| 864309 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 864309 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per oldest dated appraisal |
| 864311 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 864311 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 864330 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 864330 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 864330 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 79.99 | 80.00 | Per 1008 |
| 864330 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 79.99 | 80.00 | Per 1008 |
| 864330 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income docs in file |
| 864362 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 808 | 742 | Primary Wage Earner |
| 864386 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Debt Service Coverage Ratio | per 1003/1008 |
| 864410 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 75.56 | 75.23 | Per1008. |
| 864410 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 809 | 839 | per report lowest mid score |
| 864410 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 75.56 | 75.23 | Per 1008 |
| 864410 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.37 | 39.29 | Per income documentation audit calculated lower |
| 864410 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | per purchase contract |
| 864428 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 864430 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.38 | 34.58 | Audit calculated lower overall debt |
| 864455 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per final settlement statement |
| 864455 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per final settlement statement |
| 864456 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 864458 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per executed final CD |
| 864458 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per executed final CD |
| 864459 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per PCCD |
| 864463 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 864463 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 864463 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 710 | 716 | per credit report |
| 864464 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 864465 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 864465 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 864466 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 864468 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 864468 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.25 | 6.5000 | Per Note |
| 864473 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income documentation |
| 864475 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.29 | 28.28 | Per Audit, lender 1008 is missing |
| 864476 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income documents |
| 864478 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 864483 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per documentation provided |
| 864485 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 864485 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.5 | 30.83 | Matches 1008 |
| 864489 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 864489 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 69.6 | 70.00 | Per updated 1008 |
| 864489 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 69.6 | 70.00 | Per updated 1008 |
| 864491 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 864495 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per Tape |
| 864497 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | per 1003 |
| 864497 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per 1003 |
| 864548 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 864548 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 718 | 709 | Per mid-score of PWE on credit report in file, and matches qualifying FICO on lender's 1008. |
| 864548 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.61 | 25.36 | Audit calculated lower income |
| 864557 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 864563 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 864563 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 864568 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | per note |
| 864568 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 864568 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 64.19 | 61.88 | matches 1008 |
| 864568 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 22.22 | 19.91 | matches 1008 |
| 864575 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 864575 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | 1YR Full Doc | Per income |
| 864577 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 74.86 | 22.47 | matches 1008 |
| 864611 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per note |
| 864611 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | Asset Depletion – Debt Ratio Calculation | 1YR Full Doc | Per income docs provided |
| 864616 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Final CD |
| 864681 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 864728 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.44 | 45.00 | Audit matches final 1008 |
| 864745 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.74 | 46.31 | per 1008 |
| 864789 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 680 | 667 | Highest midldle score. |
| 864794 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 786 | 789 | Per credit report |
| 864794 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.06 | 35.75 | Audit DTI variance in-line with 1008/Approval, UTD Tape value |
| 864794 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | Asset Depletion – Debt Ratio Calculation | 2YR Full Doc | Per income documentation |
| 864858 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 864858 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 864863 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | per note |
| 864863 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 864863 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.22 | 41.40 | Audit calculated lower REO and liability debt. |
| 864865 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 864869 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Final CD |
| 864911 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.42 | 28.55 | Real Estate Taxes and Audited Income |
| 864913 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 864988 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 864988 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Business P&L | 12 Month Bank Statement | Per Lock Confirmation and Income Docs |
| 865004 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 865005 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note |
| 865009 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 865009 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 865010 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865011 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per initial 1003 |
| 865011 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 865011 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 865014 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865023 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 865023 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 865026 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865027 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per final cd |
| 865027 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 865029 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per CD |
| 865029 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per note |
| 865031 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per PCCD |
| 865031 | xxxxxx | xxxxxx | HOA Flag | propertyValuationPage | No | Y | Subject is not a PUD. No HOA fee. |
| 865031 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865031 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.93 | 32.10 | Audit confirms the lender did not include debts in total debts. |
| 865034 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865035 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865037 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 865037 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 865037 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865042 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 865042 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 865042 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865042 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 865042 | xxxxxx | xxxxxx | Vested Business Entity Name | deedOfTrustPage | xxxxxx | xxxxxx | Per Deed of Trust |
| 865044 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865044 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.37 | 30.68 | Due to Audit calculating higher consumer debt |
| 865051 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per executed note |
| 865052 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note |
| 865053 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Warranty in file |
| 865053 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865056 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Final Note |
| 865062 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per note |
| 865066 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | &nbsp;&nbsp;&nbsp;&nbsp;Per Condo Questionnaire |
| 865066 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865068 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per note |
| 865068 | xxxxxx | xxxxxx | Vested Business Entity Name | deedOfTrustPage | xxxxxx | xxxxxx | Note and Mortgage |
| 865076 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 865078 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per final note |
| 865079 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per Note |
| 865081 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865086 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 865086 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 865086 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.65 | 34.64 | Due to Audit calculated lower income |
| 865088 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865096 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD & PCCD. |
| 865096 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 865096 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.4 | 29.27 | Due to Audit dId not count the Existing Property sold at the time of closing. |
| 865097 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 865101 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865103 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 865103 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Warranty in file |
| 865103 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865105 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 865107 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865108 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865113 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865114 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 865117 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 865117 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865118 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Executed Note |
| 865121 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Final Note |
| 865123 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865125 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per note |
| 865125 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.95 | 36.63 | The borrower's income was removed |
| 865127 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per final CD |
| 865128 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865131 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 865131 | xxxxxx | xxxxxx | Occupancy | the1003Page | Second Home | OwnerOccupied | per 1008 |
| 865131 | xxxxxx | xxxxxx | Vested Business Entity Name | deedOfTrustPage | xxxxxx | xxxxxx | Per Deed of Trust |
| 865133 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865135 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | per CD |
| 865135 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per Note |
| 865139 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per note |
| 865141 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865144 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Condo Questionnaire and Appraisal. |
| 865144 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | per note |
| 865146 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note. |
| 865146 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.51 | 45.26 | Audit calculated lower income from bank statements |
| 865147 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865147 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| 865149 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865151 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865152 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 865152 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 865152 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.51 | 40.78 | Auditor used 5% of collection balance as payment as allowed per guidelines. |
| 865160 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 865160 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 865160 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 865160 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 865184 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | As per Note |
| 865194 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | 1YR Full Doc | Per income documentation |
| 865197 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 865197 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.11 | 48.72 | Lender did not provide full income worksheets on businesses, unable to determine the discrepancy. |
| 865207 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.1 | 46.08 | DTI within 2% of 1008 DTI |
| 865207 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per purchase contract, CD and 1008 |
| 865245 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 42.02 | 34.25 | matches 1008 |
| 865250 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 865250 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.92 | 47.42 | Audit matches final 1008 |
| 865261 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 865261 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per Citizenship Documents |
| 865261 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 10886.00 | Per 1003 |
| 865261 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 865263 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 865263 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 6000.00 | per 1003 |
| 865263 | xxxxxx | xxxxxx | Borrower 1 Rent or Own | the1003Page | xxxxxx | xxxxxx | per 1003 |
| 865263 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 865264 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 865264 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 26820.00 | per income |
| 865264 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | per 1003 |
| 865265 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial application |
| 865265 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 7580.00 | Per Final 1003 |
| 865265 | xxxxxx | xxxxxx | Borrower 1 Rent or Own | the1003Page | xxxxxx | xxxxxx | Per Final 1003 |
| 865265 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per Final 1003 |
| 865279 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial appliction |
| 865279 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per Final 1003 |
| 865279 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 10620.00 | Per Final 1003 |
| 865279 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 865289 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 865289 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 865294 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.99 | 46.63 | Audit calculated higher REO losses |
| 865296 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.46 | 42.00 | Rental loss verified to be higher and debt verified to be higher. |
| 865296 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per file and 1008 |
| 865319 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.37 | 33.28 | True is back end DTI, Tape is front end. |
| 865320 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 865320 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.08 | 13.59 | Audit macthes final 1008 |
| 865324 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 865324 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 39860.00 | Per Final 1003. |
| 865324 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per initial 1003 |
| 865327 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 865327 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 74.18 | 80.00 | Per 1008. |
| 865327 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 74.18 | 80.00 | Per 1008. |
| 865327 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.32 | 39.85 | Per 1008. |
| 865339 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 865339 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.28 | 27.78 | Audit matches final 1008 |
| 865340 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per qualifying income docs provided |
| 865346 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 865347 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 865372 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 11000.00 | Per Final 1003 |
| 865380 | xxxxxx | xxxxxx | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.94 | 46.51 | Variance due to audit calc w/lower income; Lender's income worksheet was not provided |
| 865389 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 865589 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 865589 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | per approval |
| 865597 | xxxxxx | xxxxxx | Margin | notePage | 5 | 2.000 | Per Note |
| 865602 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per docs provided by lender |
| 865606 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 865608 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per 1003 or Per Citizenship Documents |
| 865608 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per 1003 |
| 865623 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 865623 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 865623 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 865624 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Credit Report |
| 865624 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 937908.31 | 200.00 | per assets provided |
| 865624 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | 11101.86 | 13414.66 | Per Note |
| 865624 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 865624 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 737 | 748 | Tape reflects score from expired credit, Audit used new lower score from the credit report received in Stips |
| 865625 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.965 | 1.047 | Market rent / PITIA. |
| 865625 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | per cd |
| 865626 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 865629 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 321580.77 | 28.00 | Per assets |
| 865629 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | per Note |
| 865629 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 865634 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 865634 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 86169.25 | 85.00 | Per assets |
| 865634 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 865635 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 269544.08 | 47.00 | per assets |
| 865635 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | per note |
| 865635 | xxxxxx | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 865639 | xxxxxx | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.728 | 0.58 | Per Audit. |
| 865640 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per note |
| 865640 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per CD |
| 865640 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 237890.25 | 72.00 | Per assets |
| 865641 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | true | FALSE | Per 1003 |
| 865641 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 43096.31 | 27.00 | Per assets |
| 865641 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per note |
| 865642 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per Credit |
| 865642 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 13547.3 | 33.00 | Per assets |
| 865642 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | per 1003 |
| 865642 | xxxxxx | xxxxxx | Maximum Prepayment Penalty Amount | notePage | 7191 | 7917.17 | PER NOTE |
| 865645 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | per initial 1003 |
| 865645 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD in file |
| 865645 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageInitial | 03-11-2026 | 03/10/2026 | Per LE |
| 865645 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 361643.88 | 10.00 | per assets |
| 865645 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | per note |
| 865645 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 783 | 790 | Lowest Mid-Score used |
| 865646 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Post Consummation CD |
| 865646 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 03-25-2026 | 03/12/2026 | Per Rate Lock |
| 865646 | xxxxxx | xxxxxx | Final Qualifying Property Value | propertyValuationPage | xxxxxx | xxxxxx | Value confirmed with 1008 |
| 865646 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 68951.1 | 5.00 | per assets |
| 865646 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 865651 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial 1003 |
| 865651 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 20187.4 | 4.00 | per asset statements |
| 865651 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 865653 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | PER INITIAL 1003 SIGN DATE. |
| 865653 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | PER PCCD DISB DATE. |
| 865653 | xxxxxx | xxxxxx | Liquid Funds Post-Close | assetPage | 29336.27 | 6.00 | per asset statements |
| 865655 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per Initial Application |
| 865655 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note |
| 865655 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 865663 | xxxxxx | xxxxxx | Date Last Rate Was Set | tridLePageRevised | 03-02-2026 | 04/06/2026 | per lock confirmation |
| 865665 | xxxxxx | xxxxxx | Borrower 1 FTHB | the1003Page | true | FALSE | Per 1003 |
| 865665 | xxxxxx | xxxxxx | Loan Origination Company NMLS | notePage | xxxxxx | xxxxxx | Per Note and Final Cd |
| 865670 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.9 | 22.09 | TRUE DATA MATCHES APPROVAL |
| 865708 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | per 1003 |
| 865708 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 13000.00 | no other income - tape data is the primary income amount |
| 865715 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 865738 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | PEr Note |
| 865738 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 865738 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.375 | 8.8750 | Per Note |
| 865738 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 865738 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 69.91 | 73.60 | Audit matches 1008 |
| 865738 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 34.21 | 37.89 | Audit matches 1008 |
| 865778 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 865786 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 865825 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per NOTE |
| 865825 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 865825 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 3 | Per Appraisal |
| 865903 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 865903 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income documentation |
| 865905 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 0 | per note |
| 865913 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per Audit |
| 865972 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| 865972 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | As per Audit, Approval, CD, etc |
| 865986 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 866020 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 866020 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 866020 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per tape |
| 866022 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | per income docs - P&L loan |
| 866029 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 866037 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income docs |
| 866038 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per Tape |
| 866039 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Audit value per tape and file documents. No bank statements provided. |
| 866072 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | per documentation in file |
| 866076 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 866151 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 866184 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 866250 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.12 | 38.14 | Lender double-counted taxes and insurance on primary. Payment is already escrowed per mtg stmnt |
| 866262 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 866262 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 53.71 | 50.52 | matches 1008 |
| 866262 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 27.03 | 25.42 | matches 1008 |
| 866336 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 715 | 711 | primary wage earner score to be used |
| 866336 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.82 | 48.70 | Within 2% of Lender DTI on 1008 |
| 866372 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per cd |
| 866534 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | per tape and 1008 this is pnl |
| 866535 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per Audit |
| 866536 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 866536 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per income documents |
| 866537 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 866537 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.125 | 7.3750 | Per Note |
| 866537 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 866537 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 866537 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 75 | 80.00 | Per 1008. |
| 866537 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 75 | 80.00 | Per 1008. |
| 866537 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | P&L income |
| 866538 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | per Note |
| 866538 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | docs in file P&L |
| 866539 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per docs in file |
| 866544 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 866547 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per docs in file |
| 866548 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per docs in file. |
| 866551 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | Per Income Documentation. |
| 866553 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 866556 | xxxxxx | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | 12 Month Bank Statement | p&l |
| 2000011421 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | per 1003 |
| 2000011421 | xxxxxx | xxxxxx | Borrower 2 SSN | the1003Page | xxxxxx | xxxxxx | per 1003 |
| 2000011435 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per Lock Confirmation |
| 2000011435 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 108 | Per Appraisal |
| 2000011441 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per 1003. |
| 2000011441 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Foreign National. |
| 2000011441 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per Approval |
| 2000011441 | xxxxxx | xxxxxx | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Cash Out - Other | Per Lock Agreement and Final CD |
| 2000011454 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Foreign national |
| 2000011454 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | per approval |
| 2000011454 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per note |
| 2000011456 | xxxxxx | xxxxxx | Prepayment Calculation from Note screen | notePage | 5%, 4%, 3% | 5%, 4%, 3%, 2%, 1% | Per note addendum |
| 2000011456 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 186.1 | 8 | Per foreign assets |
| 2000011457 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per Final 1003 |
| 2000011457 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per Loan Approval |
| 2000011457 | xxxxxx | xxxxxx | Originator DSCR | diligenceFinalLookPage | 1.02 | 1.01 | Audit used Market Rent/ PITIA. Lender Calculation not provided |
| 2000011457 | xxxxxx | xxxxxx | Prepayment Calculation from Note screen | notePage | 3%, 2%, 1% | 5%, 4%, 3%, 2%, 1% | Per Note |
| 2000011457 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 2000011459 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per 1003 and Citizenship Documentation |
| 2000011459 | xxxxxx | xxxxxx | Borrower 1 Race - I do not wish to provide this information | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 2000011459 | xxxxxx | xxxxxx | Borrower 2 Race - I do not wish to provide this information | the1003Page | xxxxxx | xxxxxx | Per 1003 |
| 2000011459 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 2000011459 | xxxxxx | xxxxxx | Family Rider 1-4 | deedOfTrustPage | true | false | Per Deed of Trust |
| 2000011459 | xxxxxx | xxxxxx | Originator DSCR | diligenceFinalLookPage | 1.13 | 1.01 | Audit DSCR matches Lender DSCR from Lock Confirmation |
| 2000011459 | xxxxxx | xxxxxx | Prepayment Calculation from Note screen | notePage | 5%, 4%, 3% | 5%, 4%, 3%, 2%, 1% | Per Note |
| 2000011459 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 2000011475 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per 1008 |
| 2000011475 | xxxxxx | xxxxxx | Monthly Property Tax Amount | titlePage | 438.2 | 162.87 | Per 1008 |
| 2000011475 | xxxxxx | xxxxxx | Prepayment Calculation from Note screen | notePage | 5%, 4%, 3% | 5%, 4%, 3%, 2%, 1% | Per PP Addendum |
| 2000011475 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 2000011475 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 45.31 | 12 | Per assets in file. |
| 2000011502 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per ID |
| 2000011502 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Foreign National |
| 2000011502 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per 1003/1008/Lock Confirmation |
| 2000011502 | xxxxxx | xxxxxx | Originator DSCR | diligenceFinalLookPage | 1.25 | 1.02 | Audit DSCR = Market Rent / PITIA. No calculation provided in file. Audit unable to determine variance. |
| 2000011502 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per PPP addendum in file. |
| 2000011502 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 10.57 | 6 | Per documented assets in file. |
| 2000011508 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per 1003 in file |
| 2000011508 | xxxxxx | xxxxxx | Borrower 1 Race - I do not wish to provide this information | the1003Page | xxxxxx | xxxxxx | Per 1003 in file |
| 2000011508 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD in file |
| 2000011508 | xxxxxx | xxxxxx | Family Rider 1-4 | deedOfTrustPage | true | false | Per 1-4 Family Rider in file |
| 2000011508 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per 1003/1008 in file. |
| 2000011508 | xxxxxx | xxxxxx | Monthly Hazard Insurance Premium | propertyInsurancePage | 73.48 | 73.39 | Per HOI declaration. |
| 2000011508 | xxxxxx | xxxxxx | PUD Rider | deedOfTrustPage | true | false | Per PUD Rider in file |
| 2000011508 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 284.78 | 12 | Per assets documented in flle. |
| 2000011516 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per Appraisal |
| 2000011533 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per Note |
| 2000011533 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 2000011534 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Per 1003/Documentation |
| 2000011565 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | per 1003 |
| 2000011565 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| 2000011566 | xxxxxx | xxxxxx | Condo Rider | deedOfTrustPage | true | false | Per DOT |
| 2000011566 | xxxxxx | xxxxxx | Family Rider 1-4 | deedOfTrustPage | true | false | Per DOT |
| 2000011566 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per 1003 |
| 2000011566 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 92 | Appraisal |
| 2000011566 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per Note. |
| 2000011572 | xxxxxx | xxxxxx | Borrower 1 Ethnicity - Mexican | the1003Page | xxxxxx | xxxxxx | per 1003 |
| 2000011572 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | per 1003 borrower is a foreign national |
| 2000011572 | xxxxxx | xxxxxx | Condo Rider | deedOfTrustPage | true | false | Condo rider per DOT |
| 2000011572 | xxxxxx | xxxxxx | Family Rider 1-4 | deedOfTrustPage | true | false | 1-4 family per DOT |
| 2000011572 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | no income reported. DSCR loan. |
| 2000011572 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 200 | 1 unit per Appraisal |
| 2000011572 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 28.62 | 12 | verified gift funds and biz assets. |
| 2000011580 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | B1 is from xxxxxx |
| 2000011580 | xxxxxx | xxxxxx | Borrower 1 Sex - Female | the1003Page | xxxxxx | xxxxxx | b1 is female |
| 2000011580 | xxxxxx | xxxxxx | Borrower 1 Sex - Male | the1003Page | xxxxxx | xxxxxx | B1 is female per 1003 |
| 2000011580 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | per note on file maturity date xxxxxx |
| 2000011580 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 2000011580 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 144.56 | 12 | Per assets provided |
| 2000011582 | xxxxxx | xxxxxx | Borrower 1 Race - Korean | the1003Page | xxxxxx | xxxxxx | Per 1003, passport |
| 2000011582 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | FN |
| 2000011582 | xxxxxx | xxxxxx | Loan Originator Name | notePage | xxxxxx | xxxxxx | Per 1003 |
| 2000011582 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 972 | Subject is 1 unit. Entire complex is 972 |
| 2000011582 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 32.23 | 16 | Assets verified |
| 2000011605 | xxxxxx | xxxxxx | B1 Country Name | the1003Page | xxxxxx | xxxxxx | Visa non permanent resident xxxxxx |
| 2000011605 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per Lock Confirmation. |
| 2000011606 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per prepayment addendum. . |
| 2000011659 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 1 | 95 | Per audit 1 unit condo |
| 2000011659 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 8.24 | 6 | Per audit review of bank statement |
| 2000011676 | xxxxxx | xxxxxx | Family Rider 1-4 | deedOfTrustPage | true | false | Per DOT |
| 2000011676 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | per approval |
| 2000012255 | xxxxxx | xxxxxx | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Per file. |
| 2000012358 | xxxxxx | xxxxxx | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Not DSCR |
| 2000012402 | xxxxxx | xxxxxx | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | using lock date to determine guides |
| 2000012475 | xxxxxx | xxxxxx | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Per 1008 & approval 2nd lien. |

---

## Exhibit 99.19

**EXHIBIT 99.19**

**clarifii atr qm report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 846884 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 848612 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 849620 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851429 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851662 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851681 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851775 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 851930 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852067 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852089 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852142 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852275 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852408 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 852455 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853263 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 853563 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 853980 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854084 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854264 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854470 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854545 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 854738 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 854857 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854923 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 854993 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855009 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 855556 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855654 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 855729 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 855799 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856354 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856636 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 856807 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | 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 |  |  |  |  | No |  | Yes | Present |
| 857156 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18381 | 7.307 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14997.13 | Yes | Employed |  | No |  | No |  |
| 857174 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857425 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 857434 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 857440 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 79840.69 | Yes | Employed |  | No |  | Yes | Present |
| 857499 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 857799 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 858046 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858055 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858160 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858358 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858515 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858556 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858558 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858730 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 858757 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858798 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858802 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858803 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 858821 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 858872 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3475 | 8.518 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3915.49 | N/A | Employed |  | No |  | No |  |
| 858935 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859080 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 859138 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 859165 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859168 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859253 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859297 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859651 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 859656 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859710 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859762 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859766 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 15072.36 | N/A | Employed |  | No |  | Yes | Present |
| 859782 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 859784 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 859787 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 15120 | 8.194 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7724.43 | Yes | Employed | Employed | No | No | No |  |
| 859802 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859825 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16764.48 | N/A | Employed |  | No |  | Yes | Present |
| 859933 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859936 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 859942 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859973 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860011 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860026 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860031 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860033 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4390 | 8.095 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10259.24 | Yes | Not Employed | Employed | No | No | No |  |
| 860068 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860080 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860099 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860235 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860241 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860248 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860251 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860254 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860293 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860315 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860331 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860338 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2310 | 6.954 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 103291.67 | Yes | Not Employed | Employed | No | No | No |  |
| 860371 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860381 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860431 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860498 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860510 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860511 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860519 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 7941.21 | N/A | Employed |  | No |  | Yes | Present |
| 860555 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860639 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860642 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.171 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7394.24 | N/A | Not Employed | Not Employed | No | No | No |  |
| 860647 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860649 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860660 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860665 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860670 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860672 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 860680 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860681 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 860685 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860689 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860696 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860697 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 860701 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860702 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860707 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860734 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2855.95 | 7.386 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 329542.42 | N/A | Employed |  | No |  | No |  |
| 860787 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860800 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2625 | 6.652 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24683.32 | N/A | Employed |  | No |  | No |  |
| 860806 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860809 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860815 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 860822 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 860835 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 860847 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860849 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 860884 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860886 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860902 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860933 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860939 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860996 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861009 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861087 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 861091 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861095 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861114 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861122 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861133 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861135 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861136 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861190 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861205 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861215 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861340 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 11825.4 | 6.803 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13357.09 | N/A | Employed |  | No |  | No |  |
| 861371 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 861385 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861410 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861440 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 861448 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861454 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861455 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861504 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861593 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18200.5 | 6.807 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17509.32 | N/A | Employed |  | No |  | No |  |
| 861604 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861607 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861608 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 4705 | 8.041 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 24929.23 | N/A | Employed |  | No |  | No |  |
| 861624 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861648 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.4 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20498.17 | N/A | Employed | Not Employed | No | No | No |  |
| 861651 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861655 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861667 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861673 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861682 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861689 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 861698 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861704 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861705 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 861710 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 861713 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 861715 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 861736 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4999.02 | 7.537 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5044.37 | Yes | Employed |  | No |  | No |  |
| 861752 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861761 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861779 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861799 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861803 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2490 | 6.907 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 16820.65 | Yes | Employed |  | No |  | No |  |
| 861804 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861810 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1495 | 6.656 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32992.96 | Yes | Employed |  | No |  | No |  |
| 861817 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861818 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11174.74 | N/A | Employed |  | No |  | Yes | Present |
| 861970 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2740 | 6.881 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32318.52 | N/A | Not Employed | Not Employed | No | No | No |  |
| 861989 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862030 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862044 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862045 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 0 | 6.72 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19455.2 | Yes | Retired | Retired | No | No | No |  |
| 862075 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862079 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 862080 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1495 | 6.892 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35755.27 | N/A | Employed |  | No |  | No |  |
| 862089 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 20236 | 8.163 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5549.36 | Yes | Employed | Employed | No | No | No |  |
| 862107 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5335.87 | 9.248 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5262.72 | Yes | Employed |  | No |  | No |  |
| 862126 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 32539.29 | Yes | Employed |  | No |  | Yes | Present |
| 862144 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 862175 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862183 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862192 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 14874.29 | 8.78 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 71641.24 | Yes | Employed |  | No |  | No |  |
| 862195 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 862197 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862271 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 862285 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862290 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23550 | 7.238 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17381.17 | N/A | Employed |  | No |  | No |  |
| 862328 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862342 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862494 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862510 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 32866.99 | Yes | Employed |  | No |  | Yes | Present |
| 862519 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 7533.88 | 8.421 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18553.93 | Yes | Employed | Not Employed | No | No | No |  |
| 862521 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862526 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7625 | 7.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5879.65 | Yes | Employed |  | No |  | No |  |
| 862542 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | Yes | No | No | No | No | Yes | 38570 | 7.489 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24803.38 | N/A | Employed |  | No |  | No |  |
| 862552 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 266100.24 | Yes | Employed |  | No |  | Yes | Present |
| 862559 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4559 | 6.795 | Yes | Yes | No | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16707.94 | Yes | Employed |  | No |  | No |  |
| 862579 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17769.48 | N/A | Employed |  | No |  | Yes | Present |
| 862615 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862640 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862643 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2495 | 7.091 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13722.11 | Yes | Employed |  | No |  | No |  |
| 862690 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7790 | 6.986 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8680.22 | N/A | Employed |  | No |  | No |  |
| 862694 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | Yes | 269851 | Yes | Employed |  | No |  | Yes | Present |
| 862697 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 14980 | 7.714 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15158.43 | N/A | Employed | Employed | No | No | No |  |
| 862727 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2490 | 6.905 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 5327.56 | N/A | Employed |  | No |  | No |  |
| 862733 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 9680 | 7.738 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5984.24 | Yes | Employed | Employed | No | No | No |  |
| 862738 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 44647.57 | 6.503 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 86831.55 | Yes | Employed |  | No |  | No |  |
| 862741 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862753 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 862770 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16881.25 | 7.54 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11483.12 | Yes | Employed | Not Employed | No | No | No |  |
| 862772 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862777 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9286.72 | 7.192 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4544.77 | N/A | Employed |  | No |  | No |  |
| 862793 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18407 | Yes | Employed |  | No |  | Yes | Present |
| 862795 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 64587.5 | 7.813 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 53159.38 | Yes | Employed |  | No |  | No |  |
| 862796 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 14735 | 7.67 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17970.41 | Yes | Employed |  | No |  | No |  |
| 862797 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 862799 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25635 | 6.887 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50501.5 | Yes | Employed |  | No |  | No |  |
| 862803 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 35249 | 6.884 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47621.24 | Yes | Employed |  | No |  | No |  |
| 862811 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 34334.01 | Yes | Employed |  | No |  | Yes | Present |
| 862823 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8075 | 7.496 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4536.52 | N/A | Employed |  | No |  | No |  |
| 862832 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 26289 | 6.509 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28528.35 | Yes | Employed |  | No |  | No |  |
| 862834 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21475 | 7.17 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32292.18 | Yes | Employed |  | No |  | No |  |
| 862838 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 17225 | 8.055 | Yes | No | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18917.83 | Yes | Employed |  | No |  | No |  |
| 862840 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12612.5 | 6.579 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29301.35 | Yes | Employed |  | No |  | No |  |
| 862841 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 27552.5 | 6.988 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 98224.92 | Yes | Employed |  | No |  | No |  |
| 862847 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 10182.5 | 7.845 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9453.08 | Yes | Employed |  | No |  | No |  |
| 862852 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 19075 | 6.907 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24931.16 | Yes | Employed |  | No |  | No |  |
| 862860 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 37100 | 6.884 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 61532.88 | Yes | Employed |  | No |  | No |  |
| 862868 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13691.58 | Yes | Employed |  | No |  | Yes | Present |
| 862873 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 3774.97 | Yes | Employed |  | No |  | Yes | Present |
| 862874 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 15725 | 8.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13209.92 | N/A | Employed |  | No |  | No |  |
| 862876 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7008.5 | 7.571 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6410.28 | Yes | Employed |  | No |  | No |  |
| 862877 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7340 | 7.414 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20464.55 | Yes | Employed |  | No |  | No |  |
| 862879 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 31875 | 6.859 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20587.08 | Yes | Employed | Employed | No | No | No |  |
| 862887 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20675 | 6.697 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 261124.12 | N/A | Employed |  | No |  | No |  |
| 862889 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 29100 | 8.134 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13798.19 | Yes | Employed | Employed | No | No | No |  |
| 862898 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 22715 | 9.34 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16881.04 | Yes | Employed |  | No |  | No |  |
| 862899 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1475 | 6.572 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16467.98 | Yes | Employed |  | No |  | No |  |
| 862904 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 186119.27 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 862906 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1995 | 6.666 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 97071.55 | Yes | Employed |  | No |  | No |  |
| 862907 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1995 | 6.77 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12536.68 | Yes | Employed |  | No |  | No |  |
| 862955 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11490 | 7.788 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17745.53 | Yes | Employed |  | No |  | No |  |
| 862958 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 6213.95 | 7.784 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4779.4 | N/A | Employed |  | No |  | No |  |
| 862993 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14265 | 7.163 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 11091.58 | Yes | Employed |  | No |  | No |  |
| 863007 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863012 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863051 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 5870 | 7.755 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | No | Yes | 27037.38 | Yes | Employed |  | No |  | No |  |
| 863077 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 32112.5 | 7.029 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 24859.8 | Yes | Employed |  | No |  | No |  |
| 863085 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 863089 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863092 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863093 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863094 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863101 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863104 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863113 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863119 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 30595 | 8.901 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 34542 | N/A | Employed |  | No |  | No |  |
| 863128 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863140 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863178 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 863179 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 863183 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3214 | 7.562 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5261.88 | Yes | Employed |  | No |  | No |  |
| 863185 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8090 | 6.897 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10986.03 | N/A | Employed |  | No |  | No |  |
| 863209 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9447.6 | 6.873 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7678.86 | N/A | Employed | Employed | No | No | No |  |
| 863213 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12137.5 | 7.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17454.91 | N/A | Employed |  | No |  | No |  |
| 863214 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863224 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 23185 | 6.846 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12076.42 | N/A | Employed |  | No |  | No |  |
| 863236 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 863237 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 6.685 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 10288.01 | N/A | Employed |  | No |  | No |  |
| 863241 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 36830 | 8.121 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16257.8 | Yes | Employed | Employed | No | No | No |  |
| 863244 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.799 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5249.62 | Yes | Employed |  | No |  | No |  |
| 863271 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17928 | 6.961 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 20500.56 | N/A | Employed |  | No |  | No |  |
| 863275 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1840 | 6.777 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44622.39 | Yes | Not Employed |  | No |  | No |  |
| 863294 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 8444.32 | N/A | Employed |  | No |  | Yes | Present |
| 863295 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 24400 | 7.051 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14362.96 | Yes | Employed |  | No |  | No |  |
| 863299 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863302 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11773.25 | 6.679 | Yes | Yes | N/A | No | Yes | Yes | N/A | N/A | Yes | Yes | 4100.4 | Yes | Not Employed |  | No |  | No |  |
| 863309 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2315 | 6.939 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10582.97 | N/A | Employed |  | No |  | No |  |
| 863310 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10379 | 7.161 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3896.11 | N/A | Employed |  | No |  | No |  |
| 863314 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 29495 | 6.909 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 126306.42 | N/A | Employed |  | No |  | No |  |
| 863320 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863334 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 1947.2 | 7.06 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19868.34 | N/A | Employed | Employed | No | No | No |  |
| 863345 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15265 | 7.978 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25938.59 | N/A | Employed |  | No |  | No |  |
| 863424 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 6781.9 | 9.751 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5126.68 | Yes | Employed |  | No |  | No |  |
| 863476 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863491 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1990 | 7.955 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6724.98 | Yes | Employed |  | No |  | No |  |
| 863494 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2760 | 7.293 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10523.11 | Yes | Employed |  | No |  | No |  |
| 863553 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 11043.07 | 7.848 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4318.35 | N/A | Employed |  | No |  | No |  |
| 863576 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12753.5 | 7.023 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26228.82 | Yes | Employed |  | No |  | No |  |
| 863577 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 863591 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22891.9 | Yes | Employed |  | No |  | Yes | Present |
| 863598 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863640 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2190 | 6.685 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 18396.48 | Yes | Employed |  | No |  | No |  |
| 863647 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 25122.64 | 8.053 | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Yes | Yes | Yes | 8420.46 | N/A | Employed |  | No |  | No |  |
| 863649 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6697.5 | 7.124 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 11449.22 | N/A | Employed | Employed | No | No | No |  |
| 863663 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863670 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 21475 | 7.276 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18356.24 | Yes | Employed | Not Employed | No | No | No |  |
| 863691 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1495 | 7.324 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10427.3 | N/A | Employed |  | No |  | No |  |
| 863693 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9018.75 | 6.714 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 13638.97 | Yes | Employed |  | No |  | No |  |
| 863694 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 13087 | 7.885 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38873.94 | N/A | Employed |  | No |  | No |  |
| 863699 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863704 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863719 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863727 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863755 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 1640 | 8.968 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5838.33 | N/A | Employed |  | No |  | No |  |
| 863805 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2090 | 6.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11060.49 | Yes | Employed | Not Employed | No | No | No |  |
| 863806 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 14840 | 8.928 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 154157.39 | Yes | Employed |  | No |  | No |  |
| 863826 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863853 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5513.55 | 6.978 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7544.27 | N/A | Retired | Employed | No | No | No |  |
| 863860 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 863863 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8482.5 | 7.545 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4986.12 | Yes | Employed |  | No |  | No |  |
| 863864 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863869 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2731 | 7.83 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50622.36 | Yes | Employed | Employed | No | No | No |  |
| 863901 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 7.146 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17447.4 | Yes | Employed |  | No |  | No |  |
| 863905 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863907 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2282.5 | 8.276 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2333.02 | Yes | Employed |  | No |  | No |  |
| 863915 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863930 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13600 | 6.766 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36561.15 | N/A | Employed | Not Employed | No | No | No |  |
| 863932 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2579 | 9.001 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34735.57 | Yes | Employed | Employed | No | No | No |  |
| 863947 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 12170 | 7.809 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5504.79 | N/A | Employed |  | No |  | No |  |
| 864005 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5780 | 6.957 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 40178.44 | N/A | Employed |  | No |  | No |  |
| 864006 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 864010 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864024 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864034 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2450 | 6.888 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 74528.09 | N/A | Employed | Not Employed | No | No | No |  |
| 864043 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864056 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6858 | 7.872 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9037.6 | Yes | Employed |  | No |  | No |  |
| 864090 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1195 | 5.436 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 15290.26 | Yes | Employed | Employed | No | No | No |  |
| 864100 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 20655 | 8.119 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19918.62 | Yes | Employed |  | No |  | No |  |
| 864116 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3065 | 7.295 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7327.56 | Yes | Employed |  | No |  | No |  |
| 864126 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 9364 | 8.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6375.35 | Yes | Employed |  | No |  | No |  |
| 864127 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864141 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.15 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15505.44 | Yes | Employed | Employed | No | No | No |  |
| 864151 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5262.5 | 7.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4241.65 | N/A | Employed |  | No |  | No |  |
| 864166 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15799 | 7.026 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30157.16 | N/A | Employed |  | No |  | No |  |
| 864173 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 14029.5 | 6.767 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 6262.06 | Yes | Employed |  | No |  | No |  |
| 864176 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 864179 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864181 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7785 | 6.885 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 6466.88 | N/A | Employed |  | No |  | No |  |
| 864182 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 7330 | 7.977 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16048.1 | Yes | Employed |  | No |  | No |  |
| 864183 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864184 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864185 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864186 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864193 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 864195 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864196 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 864197 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 864198 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9107.5 | 6.44 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 29664.02 | N/A | Employed | Not Employed | No | No | No |  |
| 864199 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864200 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 11965 | 6.786 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10993.75 | N/A | Employed |  | No |  | No |  |
| 864205 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 4595 | 8.102 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8332.52 | N/A | Employed |  | No |  | No |  |
| 864208 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864209 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864210 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864214 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864218 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864219 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864220 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864222 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864223 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 864224 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864226 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 864231 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 864232 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 864237 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7320 | 8.587 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7902.9 | N/A | Employed | Employed | No | No | No |  |
| 864260 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A | 192669.78 | Yes | Employed | Employed | No | No | Yes | Present |
| 864266 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4970 | 7.6 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6871.67 | Yes | Employed |  | No |  | No |  |
| 864302 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2132.48 | 6.81 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22022.61 | Yes | Employed | Not Employed | No | No | No |  |
| 864305 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2715 | 6.98 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7610.67 | Yes | Employed |  | No |  | No |  |
| 864306 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13998.93 | 7.622 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17654.86 | N/A | Employed |  | No |  | No |  |
| 864309 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 32485 | 7.618 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 67617.61 | N/A | Employed |  | No |  | No |  |
| 864311 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2490 | 7.276 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22452.44 | N/A | Employed |  | No |  | No |  |
| 864312 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6469 | 7.128 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12493.92 | N/A | Employed | Not Employed | No | No | No |  |
| 864322 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6145 | 7.02 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6112.18 | Yes | Employed |  | No |  | No |  |
| 864330 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 9776.96 | N/A | Employed |  | No |  | Yes | Present |
| 864350 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2256.3 | 6.78 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6729.21 | Yes | Employed |  | No |  | No |  |
| 864361 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4865 | 7.614 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18151.15 | Yes | Employed |  | No |  | No |  |
| 864362 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1905 | 7.311 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 4567.65 | N/A | Employed | Employed | No | No | No |  |
| 864379 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864386 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 26937.63 | Yes | Employed |  | No |  | Yes | Present |
| 864387 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2590 | 7.585 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | N/A | Yes | N/A | 9181.22 | Yes | Employed |  | No |  | No |  |
| 864399 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 7.1 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8393.15 | N/A | Employed |  | No |  | No |  |
| 864410 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4415.76 | 6.657 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18334.43 | Yes | Employed | Employed | No | No | No |  |
| 864424 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864428 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 29102.5 | 7.021 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 77886.95 | Yes | Employed | Not Employed | No | No | No |  |
| 864430 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 45829.38 | N/A | Employed |  | No |  | Yes | Present |
| 864441 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 100142.67 | Yes | Employed |  | No |  | Yes | Present |
| 864455 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 27244.24 | N/A | Employed |  | No |  | Yes | Present |
| 864456 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8695 | 7.827 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 20891.34 | Yes | Employed |  | No |  | No |  |
| 864458 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10135 | 7.025 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10793.36 | N/A | Employed |  | No |  | No |  |
| 864459 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | Yes | Yes | 83764.73 | N/A | Employed |  | No |  | Yes | Present |
| 864460 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6415 | 7.335 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3719.4 | Yes | Employed |  | No |  | No |  |
| 864462 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12615 | 6.964 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10345.7 | N/A | Employed |  | No |  | No |  |
| 864463 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6415 | 7.352 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4147.92 | N/A | Employed |  | No |  | No |  |
| 864464 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11510 | 7.045 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10794.59 | N/A | Employed |  | No |  | No |  |
| 864465 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8889 | 7.306 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7923.59 | N/A | Employed |  | No |  | No |  |
| 864466 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1495 | 7.577 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8725.71 | N/A | Employed |  | No |  | No |  |
| 864468 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.329 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 25945.36 | N/A | Employed |  | No |  | No |  |
| 864473 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25243 | 7.213 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 17489.64 | N/A | Employed |  | No |  | No |  |
| 864475 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11490 | 7.743 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14337.15 | Yes | Employed |  | No |  | No |  |
| 864476 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | 60547.59 | N/A | Employed |  | No |  | Yes | Present |
| 864478 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6050 | 7.553 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2600.62 | N/A | Employed |  | No |  | No |  |
| 864483 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 21450 | 7.942 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 104241.64 | Yes | Employed |  | No |  | No |  |
| 864485 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21086.5 | 7.184 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27616.5 | N/A | Employed |  | No |  | No |  |
| 864486 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19595 | 7.81 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17751.78 | Yes | Employed |  | No |  | No |  |
| 864488 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 14940 | 7.433 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8650.49 | Yes | Employed |  | No |  | No |  |
| 864489 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5350 | 7.613 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 11060.39 | N/A | Employed |  | No |  | No |  |
| 864491 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1250 | 7.056 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7338.25 | Yes | Employed |  | No |  | No |  |
| 864495 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 82372.03 | N/A | Employed |  | No |  | Yes | Present |
| 864497 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 6.878 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 141296.37 | N/A | Employed |  | No |  | No |  |
| 864501 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 24550 | 7.28 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27354.11 | N/A | Employed |  | No |  | No |  |
| 864502 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 10590 | 7.179 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4579.26 | Yes | Employed |  | No |  | No |  |
| 864548 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.292 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23892.39 | N/A | Employed | Not Employed | No | No | No |  |
| 864550 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5375 | 7.413 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4579.35 | Yes | Employed |  | No |  | No |  |
| 864557 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 15950.59 | 7.933 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 117905.2 | Yes | Employed |  | No |  | No |  |
| 864559 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 22940 | 6.936 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12188.23 | Yes | Employed | Employed | No | No | No |  |
| 864561 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | Yes | Yes | 14423.83 | N/A | Employed |  | No |  | Yes | Present |
| 864562 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6550 | 7.215 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13517.67 | Yes | Employed |  | No |  | No |  |
| 864563 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2565 | 7.208 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13677.67 | N/A | Employed |  | No |  | No |  |
| 864568 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1690 | 8.177 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31568.79 | Yes | Employed | Employed | No | No | No |  |
| 864575 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1490 | 7.274 | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 12658.38 | Yes | Employed |  | No |  | No |  |
| 864577 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2296.36 | 8.162 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 2448.51 | Yes | Employed |  | No |  | No |  |
| 864597 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 11586.94 | 7.496 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 8047.9 | Yes | Employed |  | No |  | No |  |
| 864611 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6750 | 6.894 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7132.99 | N/A | Retired |  | No |  | No |  |
| 864616 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | 182782.59 | Yes | Employed |  | No |  | Yes | Present |
| 864630 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9745 | 6.674 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20604.87 | Yes | Employed | Employed | No | No | No |  |
| 864636 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 12405.55 | 10.023 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11641.49 | Yes | Employed |  | No |  | No |  |
| 864643 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10660 | 7.2 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4722.48 | Yes | Retired |  | No |  | No |  |
| 864681 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 36720.09 | N/A | Employed |  | No |  | Yes | Present |
| 864692 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864701 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 20266.03 | 8.458 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 16939.69 | Yes | Employed |  | No |  | No |  |
| 864713 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11563 | 7.11 | Yes | Yes | N/A | No | Yes | Yes | N/A | Yes | Yes | Yes | 8721.03 | N/A | Employed |  | No |  | No |  |
| 864717 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 864728 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16175 | 7.427 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13209.43 | Yes | Employed | Employed | No | No | No |  |
| 864745 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7477.5 | 6.851 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3591.9 | N/A | Employed |  | No |  | No |  |
| 864775 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 6.779 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11403.87 | N/A | Employed | Employed | No | No | No |  |
| 864789 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 864794 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1780 | 6.803 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15670.54 | N/A | Employed |  | No |  | No |  |
| 864858 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6516.25 | 6.94 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5117.45 | Yes | Employed |  | No |  | No |  |
| 864860 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11105 | 7.446 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7446.34 | N/A | Employed |  | No |  | No |  |
| 864863 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1780 | 7.045 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14725.57 | Yes | Employed | Employed | No | No | No |  |
| 864865 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1150 | 8.126 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5877.83 | Yes | Employed |  | No |  | No |  |
| 864869 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 20090 | 7.94 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15869.17 | N/A | Employed |  | No |  | No |  |
| 864901 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14800 | 6.903 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16107.3 | N/A | Employed |  | No |  | No |  |
| 864902 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 5693.02 | N/A | Employed |  | No |  | Yes | Present |
| 864911 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6734.72 | 6.789 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 32159.47 | N/A | Not Employed |  | No |  | No |  |
| 864913 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 18490 | 8.957 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14997.16 | Yes | Employed |  | No |  | No |  |
| 864924 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 1640 | 6.89 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19383.04 | N/A | Not Employed | Retired | No | No | No |  |
| 864928 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10760.3 | 8.68 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 24927.92 | N/A | Employed |  | No |  | No |  |
| 864988 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9070 | 7.29 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 17142.41 | N/A | Employed |  | No |  | No |  |
| 865004 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 27968.75 | 7.138 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21818.59 | Yes | Employed |  | No |  | No |  |
| 865005 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 18741.5 | 8.22 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5604.12 | Yes | Employed |  | No |  | No |  |
| 865009 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | Yes | No | No | No | No | No | 23875 | 9.24 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33276.45 | N/A | Employed |  | No |  | No |  |
| 865010 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7115 | 6.968 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4606.54 | Yes | Employed |  | No |  | No |  |
| 865011 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 25746.59 | Yes | Employed |  | No |  | Yes | Present |
| 865014 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20012.5 | 6.3 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34747.2 | Yes | Employed | Employed | No | No | No |  |
| 865023 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7062.5 | 7.403 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4422.71 | Yes | Employed |  | No |  | No |  |
| 865026 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9446.26 | 7.103 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9010.15 | Yes | Employed |  | No |  | No |  |
| 865027 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 73937.86 | Yes | Employed |  | No |  | Yes | Present |
| 865029 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1975 | 7.036 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19860.6 | Yes | Employed |  | No |  | No |  |
| 865030 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5731 | 7.163 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31078.53 | Yes | Employed |  | No |  | No |  |
| 865031 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 384951.18 | Yes | Employed |  | No |  | Yes | Present |
| 865034 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 23665 | 6.945 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18271.41 | Yes | Employed |  | No |  | No |  |
| 865035 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21875 | 7.189 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26797.1 | Yes | Employed | Not Employed | No | No | No |  |
| 865037 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10310 | 7.112 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3843.56 | Yes | Employed |  | No |  | No |  |
| 865042 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 129719.44 | Yes | Employed |  | No |  | Yes | Present |
| 865044 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 50620 | 7.442 | Yes | Yes | N/A | No | Yes | Yes | N/A | Yes | Yes | Yes | 52888.53 | Yes | Employed |  | No |  | No |  |
| 865051 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 15882.5 | 9.126 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13729.51 | Yes | Employed |  | No |  | No |  |
| 865052 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 12475 | 6.668 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4700.84 | Yes | Employed |  | No |  | No |  |
| 865053 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7215 | 7.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4200.78 | Yes | Employed |  | No |  | No |  |
| 865056 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6475 | 6.074 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12187.86 | Yes | Employed | Employed | No | No | No |  |
| 865060 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3120 | 6.75 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6029.59 | Yes | Employed |  | No |  | No |  |
| 865062 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7525 | 6.758 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17146.73 | Yes | Employed |  | No |  | No |  |
| 865063 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 11699.96 | Yes | Employed | Not Employed | No | No | Yes | Present |
| 865066 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10355 | 6.445 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13085.65 | Yes | Employed |  | No |  | No |  |
| 865068 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | Yes | N/A | N/A | N/A | N/A | 186537.01 | Yes | Employed |  | No |  | Yes | Present |
| 865074 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 4000 | 6.466 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14085.31 | Yes | Employed |  | No |  | No |  |
| 865076 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 72378.86 | Yes | Employed | Employed | No | No | Yes | Present |
| 865078 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 27725 | 6.777 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 108632.38 | Yes | Employed | Not Employed | No | No | No |  |
| 865079 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 36620 | 7.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 123518.43 | Yes | Employed |  | No |  | No |  |
| 865081 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 14412.5 | 8.787 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 23900.1 | Yes | Employed |  | No |  | No |  |
| 865086 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 25213 | 6.494 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15061.64 | Yes | Employed |  | No |  | No |  |
| 865088 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14975 | 6.678 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14229.8 | Yes | Employed |  | No |  | No |  |
| 865089 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16075 | 6.852 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12931.82 | Yes | Employed |  | No |  | No |  |
| 865096 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8642.27 | 6.565 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30755.4 | Yes | Employed |  | No |  | No |  |
| 865097 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | Yes | 18315.97 | Yes | Employed |  | No |  | Yes | Present |
| 865101 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 17225 | 7.666 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18015.45 | Yes | Employed |  | No |  | No |  |
| 865103 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 35254.19 | Yes | Employed |  | No |  | Yes | Present |
| 865105 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1475 | 6.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48275.37 | Yes | Employed |  | No |  | No |  |
| 865107 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18492 | 6.642 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22328.13 | N/A | Employed |  | No |  | No |  |
| 865108 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5785 | 6.849 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13168.16 | Yes | Employed | Employed | No | No | No |  |
| 865113 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6274.52 | 7.098 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4237.93 | Yes | Employed |  | No |  | No |  |
| 865114 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 27770 | 6.515 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30018.43 | Yes | Employed |  | No |  | No |  |
| 865117 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8225 | 7.244 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28553.2 | N/A | Employed |  | No |  | No |  |
| 865118 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8874 | 7.117 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 845838.21 | Yes | Employed |  | No |  | No |  |
| 865120 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23770 | 7.582 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19340.53 | Yes | Employed |  | No |  | No |  |
| 865121 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20935 | 7.491 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14638.25 | Yes | Employed |  | No |  | No |  |
| 865123 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13848.24 | 6.83 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35475.57 | Yes | Employed |  | No |  | No |  |
| 865125 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 12585 | 6.937 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31254.96 | Yes | Not Employed | Employed | No | No | No |  |
| 865127 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20812.99 | 8.663 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 54717.74 | Yes | Employed |  | No |  | No |  |
| 865128 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 10653.13 | 7.481 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5209.52 | Yes | Employed |  | No |  | No |  |
| 865131 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21689 | 6.701 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34368.53 | Yes | Retired |  | No |  | No |  |
| 865133 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19925 | 6.436 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 77925.3 | Yes | Employed | Employed | No | No | No |  |
| 865135 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8866.33 | 7.541 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13691.42 | Yes | Employed |  | No |  | No |  |
| 865137 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13431.25 | 7.092 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12177.7 | Yes | Employed | Not Employed | No | No | No |  |
| 865138 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5505 | 7.586 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7725.37 | Yes | Employed |  | No |  | No |  |
| 865139 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1475 | 6.444 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4667.5 | Yes | Employed | Employed | No | No | No |  |
| 865141 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 36175 | 7.468 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39598.27 | Yes | Employed | Employed | No | No | No |  |
| 865143 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 40675 | 7.543 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31574.63 | Yes | Employed |  | No |  | No |  |
| 865144 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21928.13 | 7.261 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46249.19 | Yes | Employed |  | No |  | No |  |
| 865146 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 16094.78 | 8.404 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3887.65 | Yes | Employed |  | No |  | No |  |
| 865147 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9335 | 6.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4269.89 | Yes | Retired | Not Employed | No | No | No |  |
| 865148 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12107.5 | 6.923 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16843.5 | Yes | Employed |  | No |  | No |  |
| 865149 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19643.78 | 6.821 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 51901.81 | Yes | Employed | Employed | No | No | No |  |
| 865151 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 22509 | 6.902 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25424.27 | Yes | Employed |  | No |  | No |  |
| 865152 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16171.04 | 7.465 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14228.57 | Yes | Employed |  | No |  | No |  |
| 865158 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12505 | 7.571 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6814.71 | N/A | Employed | Employed | No | No | No |  |
| 865160 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1670 | 6.663 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19043.3 | Yes | Not Employed | Employed | No | No | No |  |
| 865165 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 15900.55 | 8.746 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 21196.51 | N/A | Employed |  | No |  | No |  |
| 865184 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 14543.58 | Yes | Employed |  | No |  | Yes | Present |
| 865194 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11985.5 | 7.68 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14885.1 | N/A | Employed |  | No |  | No |  |
| 865197 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3582.5 | 8.315 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37707.78 | N/A | Employed | Employed | No | No | No |  |
| 865207 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7915 | 6.883 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19944.75 | Yes | Retired |  | No |  | No |  |
| 865210 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 15243.78 | Yes | Employed |  | No |  | Yes | Present |
| 865243 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2450 | 6.684 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 165078.21 | Yes | Employed |  | No |  | No |  |
| 865245 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20065.05 | 7.559 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32053.64 | N/A | Employed |  | No |  | No |  |
| 865250 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6940 | 7.508 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3740.87 | Yes | Employed |  | No |  | No |  |
| 865251 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2865 | 6.834 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11540.45 | N/A | Employed |  | No |  | No |  |
| 865261 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9380 | 6.817 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7145.84 | N/A | Employed |  | No |  | No |  |
| 865263 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4085 | 7.037 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3814.35 | N/A | Employed |  | No |  | No |  |
| 865264 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4030 | 7.516 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15315.95 | N/A | Employed |  | No |  | No |  |
| 865265 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4785 | 6.725 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4072.65 | N/A | Employed |  | No |  | No |  |
| 865279 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4030 | 6.859 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6688.01 | N/A | Employed |  | No |  | No |  |
| 865289 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10667.5 | 6.654 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12278.25 | N/A | Employed |  | No |  | No |  |
| 865294 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15646 | 6.749 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 26619.69 | Yes | Employed | Employed | No | No | No |  |
| 865296 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 11375 | 7.109 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11414.43 | Yes | Employed |  | No |  | No |  |
| 865318 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 7.081 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12559.27 | N/A | Employed |  | No |  | No |  |
| 865319 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3730.95 | 7.11 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8534.54 | Yes | Employed |  | No |  | No |  |
| 865320 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14258.38 | 6.753 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 54165.39 | Yes | Employed | Not Employed | No | No | No |  |
| 865324 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 21180 | 6.997 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26909.63 | N/A | Employed |  | No |  | No |  |
| 865327 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16785 | 6.918 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5923.39 | Yes | Employed | Employed | No | No | No |  |
| 865333 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 25215.55 | N/A | Employed |  | No |  | Yes | Present |
| 865339 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2090 | 6.528 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25635.24 | Yes | Employed |  | No |  | No |  |
| 865340 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1450 | 6.892 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23256.77 | Yes | Employed |  | No |  | No |  |
| 865342 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.791 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15002.15 | Yes | Employed |  | No |  | No |  |
| 865345 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4606 | 7.297 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2714.94 | N/A | Employed |  | No |  | No |  |
| 865346 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9605 | 7.194 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15784.56 | Yes | Employed |  | No |  | No |  |
| 865347 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 15049.86 | 6.869 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18831.15 | Yes | Employed | Employed | No | No | No |  |
| 865372 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7170 | 7.119 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6204.94 | N/A | Employed |  | No |  | No |  |
| 865380 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 15700 | 7.384 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6871.63 | Yes | Not Employed |  | No |  | No |  |
| 865389 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2580 | 9.148 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 57870.17 | Yes | Employed |  | No |  | No |  |
| 865585 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19083.75 | 7.283 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22962.9 | N/A | Employed |  | No |  | No |  |
| 865587 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3090.15 | 7.327 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3155.07 | N/A | Employed |  | No |  | No |  |
| 865589 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7602.85 | N/A | Employed |  | No |  | Yes | Present |
| 865593 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2390 | 6.928 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30575.6 | N/A | Employed | Employed | No | No | No |  |
| 865595 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 10745 | 7.863 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15166.7 | Yes | Not Employed | Not Employed | No | No | No |  |
| 865597 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | No | No | No | No | No | No | No | No | No | 2450 | 8.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39953.88 | Yes | Employed |  | No |  | No |  |
| 865602 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23975 | 7.236 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11644.41 | Yes | Employed | Not Employed | No | No | No |  |
| 865603 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7450 | 6.938 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22890.2 | Yes | Employed |  | No |  | No |  |
| 865604 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11200 | 6.788 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10232.41 | Yes | Employed |  | No |  | No |  |
| 865605 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7907.5 | 7.078 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6194.02 | N/A | Employed |  | No |  | No |  |
| 865606 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9450 | 6.942 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8798.13 | N/A | Employed |  | No |  | No |  |
| 865607 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 18146 | 6.976 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9127.81 | Yes | Employed |  | No |  | No |  |
| 865608 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12997.5 | 6.815 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10361.93 | N/A | Employed |  | No |  | No |  |
| 865623 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 19495 | 6.971 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9630.57 | N/A | Employed |  | No |  | No |  |
| 865624 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | 40826.57 | N/A | Employed |  | No |  | Yes | Present |
| 865625 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 865626 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 12736 | 7.422 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18298.25 | Yes | Employed |  | No |  | No |  |
| 865629 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 32980 | 7.083 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 103302.77 | Yes | Employed |  | No |  | No |  |
| 865634 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 10077.25 | 7.702 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 77806.47 | Yes | Employed | Employed | No | No | No |  |
| 865635 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13469 | 7.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 68186.43 | Yes | Employed |  | No |  | No |  |
| 865639 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 865640 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 7330 | 9.252 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38223.65 | N/A | Employed |  | No |  | No |  |
| 865641 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 24400 | 7.546 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16081.13 | N/A | Employed |  | No |  | No |  |
| 865642 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 865645 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 21045 | 6.552 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21982.13 | N/A | Employed | Employed | No | No | No |  |
| 865646 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 19065.6 | 6.372 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34173.97 | N/A | Employed |  | No |  | No |  |
| 865651 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6179 | 7.59 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 34283.77 | N/A | Employed |  | No |  | No |  |
| 865653 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 16952.5 | 8.036 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11406.49 | N/A | Employed |  | No |  | No |  |
| 865655 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 42045 | 6.801 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45287.13 | N/A | Employed | Not Employed | No | No | No |  |
| 865662 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 28595 | 6.749 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17345.14 | Yes | Employed |  | No |  | No |  |
| 865663 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11252.5 | 6.646 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22391.28 | Yes | Employed | Not Employed | No | No | No |  |
| 865665 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 18377.5 | 8.603 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6477.51 | Yes | Employed |  | No |  | No |  |
| 865670 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 6.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26034.82 | Yes | Employed |  | No |  | No |  |
| 865674 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.94 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12583.1 | N/A | Employed |  | No |  | No |  |
| 865686 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 16996.95 | 8.581 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7251.34 | Yes | Employed |  | No |  | No |  |
| 865693 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.347 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 27129.92 | Yes | Employed |  | No |  | No |  |
| 865708 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10695 | 6.727 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7539.01 | N/A | Employed |  | No |  | No |  |
| 865715 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 24950 | 7.169 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14977.2 | N/A | Not Employed |  | No |  | No |  |
| 865738 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 18684.69 | Yes | Employed | Employed | No | No | Yes | Present |
| 865778 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 865785 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20745 | 8.144 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16416.54 | Yes | Employed |  | No |  | No |  |
| 865786 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7200 | 6.84 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13344.28 | N/A | Employed |  | No |  | No |  |
| 865825 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 36392.5 | 7.031 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15378.5 | Yes | Employed | Employed | No | No | No |  |
| 865829 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 865903 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8890 | 7.047 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6877.35 | Yes | Employed |  | No |  | No |  |
| 865905 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 865908 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2565 | 7.148 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12710.39 | N/A | Employed |  | No |  | No |  |
| 865913 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15443 | 7.232 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8317.39 | Yes | Employed |  | No |  | No |  |
| 865946 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 865972 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 865977 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16205.44 | N/A | Employed |  | No |  | Yes | Present |
| 865986 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 865997 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2565 | 7.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10665.75 | Yes | Employed |  | No |  | No |  |
| 866007 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1570 | 7.399 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17686.69 | Yes | Employed |  | No |  | No |  |
| 866016 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | Yes | No | No | No | No | Yes | 13600 | 7.831 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5596.82 | N/A | Employed |  | No |  | No |  |
| 866019 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2900 | 6.958 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3577.29 | Yes | Employed |  | No |  | No |  |
| 866020 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13815 | 7.406 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 42046.67 | N/A | Employed |  | No |  | No |  |
| 866022 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 30850 | 7.14 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17232.29 | N/A | Employed |  | No |  | No |  |
| 866029 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15284.95 | 7.631 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24889.7 | Yes | Employed |  | No |  | No |  |
| 866037 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 13565 | 7.136 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17034.85 | Yes | Employed |  | No |  | No |  |
| 866038 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 45050 | 7.312 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 36476.99 | N/A | Employed |  | No |  | No |  |
| 866039 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2445 | 6.943 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 17890.58 | Yes | Employed |  | No |  | No |  |
| 866055 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2420 | 7.108 | Yes | Yes | No | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7743.22 | Yes | Employed |  | No |  | No |  |
| 866056 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 8595 | 7.794 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 6617.07 | N/A | Employed |  | No |  | No |  |
| 866072 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9306 | 7.219 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 34831.22 | N/A | Employed |  | No |  | No |  |
| 866076 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 8540.64 | 8.185 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 6850.83 | Yes | Employed |  | No |  | No |  |
| 866151 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 24972.9 | 6.807 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 7601.27 | Yes | Employed |  | No |  | No |  |
| 866184 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 866212 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8890.95 | 7.765 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 78807.32 | N/A | Employed |  | No |  | No |  |
| 866250 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 16465.5 | N/A | Employed |  | No |  | Yes | Present |
| 866262 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4745 | 8.414 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3357.25 | Yes | Employed |  | No |  | No |  |
| 866267 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 866336 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2365 | 7.347 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8877.26 | Yes | Employed | Employed | No | No | No |  |
| 866372 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13539 | 7.685 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36384.8 | N/A | Employed |  | No |  | No |  |
| 866425 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12770 | 7.382 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19616.78 | Yes | Employed |  | No |  | No |  |
| 866439 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2370 | 7.046 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29286.44 | Yes | Employed |  | No |  | No |  |
| 866517 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2365 | 7.287 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11499.54 | N/A | Employed |  | No |  | No |  |
| 866534 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1950 | 7.302 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29615.82 | N/A | Employed |  | No |  | No |  |
| 866535 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8285 | 7.548 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28484.02 | Yes | Employed |  | No |  | No |  |
| 866536 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6650 | 7.017 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7115.81 | Yes | Employed |  | No |  | No |  |
| 866537 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7915.94 | 7.218 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4420.03 | Yes | Employed |  | No |  | No |  |
| 866538 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8574 | 6.646 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 14722.79 | Yes | Employed |  | No |  | No |  |
| 866539 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2260 | 7.018 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4561.93 | N/A | Employed |  | No |  | No |  |
| 866540 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 69669.64 | Yes | Not Employed | Employed | No | No | Yes | Present |
| 866542 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5066 | 6.806 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6824.7 | N/A | Employed |  | No |  | No |  |
| 866544 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13450 | 6.789 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12868.01 | N/A | Employed |  | No |  | No |  |
| 866547 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15395 | 7.107 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14487.1 | Yes | Employed |  | No |  | No |  |
| 866548 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15228.74 | N/A | Employed |  | No |  | Yes | Present |
| 866551 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2445 | 7.121 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16366 | N/A | Employed |  | No |  | No |  |
| 866552 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2200 | 7.2 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25417.93 | Yes | Employed |  | No |  | No |  |
| 866553 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 7375 | 7.903 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4945.01 | Yes | Employed |  | No |  | No |  |
| 866556 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15370 | 7.196 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15697.28 | Yes | Employed |  | No |  | No |  |
| 866558 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2825 | 7.222 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 2998.52 | Yes | Employed |  | No |  | No |  |
| 866561 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 3750 | 7.09 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9482.9 | Yes | Employed |  | No |  | No |  |
| 866635 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 26325 | 7.267 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21246.49 | Yes | Employed |  | No |  | No |  |
| 866694 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 32570 | 7.444 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28904.61 | Yes | Employed |  | No |  | No |  |
| 866996 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9127.75 | 6.989 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 74372.47 | Yes | Not Employed | Employed | No | No | No |  |
| 2000011421 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011435 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011441 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011454 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011456 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011457 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011459 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011475 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011502 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011508 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011516 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011520 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011533 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011534 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011565 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011566 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011572 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011580 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011582 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011605 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011606 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011624 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4603.09 | 8.331 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2212.25 | N/A | Retired | Employed | No | No | No |  |
| 2000011659 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011676 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011705 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011706 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011707 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011764 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011783 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011799 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 2000011822 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011826 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes | Yes | Yes | Present |
| 2000011832 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011833 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000011840 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000011864 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 2000011873 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4648.53 | 8.107 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3013.1 | Yes | Retired | Retired | No | No | No |  |
| 2000011885 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000011908 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6579 | 8.373 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 12776.35 | Yes | Retired |  | No |  | No |  |
| 2000011912 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000011921 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000011925 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 2000011967 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2623.34 | 8.391 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1835.94 | Yes | Retired | Retired | No | No | No |  |
| 2000012022 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | Yes | No | No | No | No | No | No | No | Yes | 9837.25 | 7.827 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4125.47 | Yes | Employed |  | No |  | No |  |
| 2000012028 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13923.8 | 7.371 | Yes | Yes | N/A | Yes | Yes | No | N/A | Yes | Yes | Yes | 5809.69 | Yes | Employed | Employed | No | No | No |  |
| 2000012029 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7338.03 | 7.362 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13324.65 | Yes | Employed |  | No |  | No |  |
| 2000012042 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1206.1 | 8.142 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3286.44 | N/A | Retired | Retired | No | No | No |  |
| 2000012059 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2575.5 | 9.274 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6977.15 | Yes | Employed | Employed | No | No | No |  |
| 2000012066 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 75329 | 7.237 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 38756.09 | Yes | Employed |  | No |  | No |  |
| 2000012067 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000012072 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 34550 | 7.457 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28353.75 | Yes | Employed |  | No |  | No |  |
| 2000012075 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4575 | 7.714 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18065.18 | N/A | Employed |  | No |  | No |  |
| 2000012077 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2616.36 | 8.588 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10886.8 | Yes | Employed |  | No |  | No |  |
| 2000012079 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000012094 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 6861.6 | 9.368 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 8987.77 | Yes | Employed | Employed | No | No | No |  |
| 2000012108 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2750 | 7.324 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12148.67 | N/A | Employed |  | No |  | No |  |
| 2000012116 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2975.88 | 7.762 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29788.08 | Yes | Employed | Employed | No | No | No |  |
| 2000012117 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4017.5 | 6.825 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14182.49 | Yes | Employed |  | No |  | No |  |
| 2000012119 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9290 | 7.393 | Yes | Yes | N/A | No | Yes | Yes | N/A | Yes | Yes | Yes | 7750.47 | Yes | Employed |  | No |  | No |  |
| 2000012120 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 26030 | 7.193 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14356.11 | N/A | Employed |  | No |  | No |  |
| 2000012127 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3569.67 | 8.352 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4908.84 | Yes | Employed |  | No |  | No |  |
| 2000012128 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12254 | 7.048 | Yes | Yes | N/A | No | Yes | Yes | N/A | Yes | Yes | Yes | 19301.54 | Yes | Employed |  | No |  | No |  |
| 2000012129 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 2277.2 | 9.942 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2885.02 | Yes | Retired |  | No |  | No |  |
| 2000012138 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1690 | 7.335 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3422.1 | Yes | Not Employed |  | No |  | No |  |
| 2000012142 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 5870 | 8.011 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30713.26 | N/A | Employed |  | No |  | No |  |
| 2000012148 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2588 | 8.183 | N/A | Yes | N/A | No | Yes | Yes | N/A | Yes | Yes | Yes | 11540.02 | Yes | Employed | Employed | No | No | No |  |
| 2000012152 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2771.4 | 8.374 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6293.27 | Yes | Retired | Retired | No | No | No |  |
| 2000012153 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 44834.38 | 7.169 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31767.74 | N/A | Employed |  | No |  | No |  |
| 2000012157 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 2455 | 7.307 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 6721.63 | N/A | Employed |  | No |  | No |  |
| 2000012162 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3532.58 | 9.371 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7451.63 | Yes | Employed |  | No |  | No |  |
| 2000012166 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14260 | 7.211 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13860.82 | Yes | Employed |  | No |  | No |  |
| 2000012173 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3769.68 | 8.768 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6559.24 | Yes | Employed | Employed | No | No | No |  |
| 2000012176 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 35750 | 7.303 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30262.73 | Yes | Employed |  | No |  | No |  |
| 2000012183 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 28269.93 | N/A | Employed |  | No |  | Yes | Present |
| 2000012186 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2600 | 6.938 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16598.93 | N/A | Employed |  | No |  | No |  |
| 2000012187 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2845 | 7.42 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16865.57 | N/A | Employed |  | No |  | No |  |
| 2000012192 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7228 | 7.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 5870.44 | N/A | Employed |  | No |  | No |  |
| 2000012194 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15860 | 6.447 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 69595.27 | Yes | Employed | Employed | No | No | No |  |
| 2000012196 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000012209 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 45023.83 | N/A | Employed |  | No |  | Yes | Present |
| 2000012211 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 20050 | 6.771 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43153.22 | N/A | Employed |  | No |  | No |  |
| 2000012224 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3300.89 | 9.99 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7354.47 | Yes | Retired | Employed | No | No | No |  |
| 2000012230 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 2314.86 | 10.328 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2187.86 | Yes | Retired |  | No |  | No |  |
| 2000012231 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2960 | 7.574 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20680.64 | Yes | Employed |  | No |  | No |  |
| 2000012234 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 8281.2 | 8.081 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14735.69 | Yes | Employed |  | No |  | No |  |
| 2000012235 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3144.4 | 9.137 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2472.48 | N/A | Retired |  | No |  | No |  |
| 2000012244 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | Yes | Yes | Present |
| 2000012246 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 47065.57 | Yes | Not Employed | Employed | No | No | Yes | Present |
| 2000012255 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2325 | 7.726 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26777.48 | Yes | Employed |  | No |  | No |  |
| 2000012261 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 15682.5 | 9.222 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12223.8 | N/A | Employed | Employed | No | No | No |  |
| 2000012263 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 44872.5 | 8.831 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15328.52 | Yes | Employed |  | No |  | No |  |
| 2000012265 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000012276 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5903 | 7.009 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8547.58 | Yes | Employed | Employed | No | No | No |  |
| 2000012280 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000012281 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 6018.75 | 12.104 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13498.95 | Yes | Employed |  | No |  | No |  |
| 2000012287 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000012299 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13280 | 7.247 | Yes | Yes | No | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7607.39 | Yes | Employed |  | No |  | No |  |
| 2000012306 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16231.25 | 7.473 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 12655.76 | N/A | Employed |  | No |  | No |  |
| 2000012307 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2655 | 6.775 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24853.39 | N/A | Employed |  | No |  | No |  |
| 2000012328 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000012330 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000012332 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 2000012338 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10550 | 7.082 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9560.14 | Yes | Employed |  | No |  | No |  |
| 2000012353 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2545 | 6.942 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26774.24 | Yes | Employed |  | No |  | No |  |
| 2000012355 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000012358 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 13005 | 7.91 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26346.27 | Yes | Employed |  | No |  | No |  |
| 2000012371 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000012374 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000012400 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000012402 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | Yes | No | No | No | No | Yes | 11895 | 9.318 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 23638.02 | N/A | Employed | Not Employed | No | No | No |  |
| 2000012441 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | Yes |  | Yes | Present |
| 2000012475 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7092.75 | 9.392 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9338.71 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.20

**EXHIBIT 99.20**

**Clarifii valuation report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller 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** |
| 848612 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-04-2025 | 71A | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.81 | 51.81 | xxxxxx | xxxxxx | .0104 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0104 | xxxxxx | 10-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849620 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64 | 64 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-29-2025 |
| 851429 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.23 | 69.23 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-17-2025 |
| 851662 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.45 | 45.45 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851681 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 10-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851775 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 11-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 851930 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.82 | 58.82 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852067 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-08-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.95 | 58.95 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852089 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.69 | 57.69 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-10-2025 |
| 852142 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-11-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 10-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 852275 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-30-2025 |
| 852408 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.87 | 52.87 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 |
| 852455 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.69 | 57.69 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-10-2025 |
| 853263 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.93 | 45.93 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 853563 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 25.64 | 25.64 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-12-2025 |
| 853980 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-04-2025 | 71B | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | xxxxxx | .0625 | Appraisal Narrative |  |  |  |  | xxxxxx | xxxxxx | .0625 | 10-27-2025 | Appraisal Narrative |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854084 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | -.0957 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0957 | xxxxxx | Moderate | 11-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854264 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854470 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.35 | 62.35 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 854545 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.51 | 21.51 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-09-2026 |
| 854738 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-07-2025 |
| 854857 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.18 | 26.18 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-28-2025 | Eligible | 1 | 10-28-2025 |
| 854923 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.89 | 69.89 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-24-2025 | Eligible | 1.2 | 11-24-2025 |
| 854993 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-13-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.99 | 69.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855009 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 40.59 | 40.59 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 12-08-2025 |
| 855556 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-04-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-07-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 11-07-2024 |
| 855654 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855729 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.65 | 55.65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855799 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856354 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856636 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 856807 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.35 | 59.35 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857156 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-16-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.4 | 64.4 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857174 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64 | 64 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857425 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 | Eligible |  |  |
| 857434 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857440 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 12-22-2025 |
| 857499 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.73 | 63.73 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857799 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 09-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858046 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858055 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-19-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858160 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-21-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858358 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-30-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | -.0282 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0282 | xxxxxx | Moderate | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858515 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858556 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-13-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858558 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-13-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858730 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 10-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858757 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858798 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-11-2025 | Eligible | 1 | 12-11-2025 |
| 858802 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.88 | 54.88 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858803 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-21-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.91 | 61.91 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858821 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.9 | 61.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858872 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-16-2026 | Broker Price Opinion (BPO) | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 16.62 | 47 | xxxxxx | xxxxxx | -.0267 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0267 | 91 | 0.09 | xxxxxx | xxxxxx | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858935 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 01-26-2026 |
| 859080 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-04-2026 |
| 859138 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | .0018 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0018 | 01-16-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 |
| 859165 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.32 | 54.32 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859168 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-20-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.9 | 59.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859253 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 02-18-2026 |
| 859297 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859651 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2026 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | .1010 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1010 | xxxxxx | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859656 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.65 | 47.65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859710 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62 | 62 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859762 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-12-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-12-2026 | Eligible |  |  |
| 859766 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-12-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859782 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859784 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-02-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.41 | 63.41 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859787 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.61 | 79.61 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2026 |
| 859802 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-09-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859825 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.68 | 58.78 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-09-2026 |
| 859933 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.55 | 54.55 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859936 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859942 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-22-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | 1073 Individual Condo Report |  |  |  |  | xxxxxx | 0 | .0000 | 01-22-2026 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859973 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.9 | 79.9 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 02-05-2026 | Not Eligible | 1.4 | 02-05-2026 |
| 860011 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.25 | 61.25 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860026 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.04 | 70.04 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860031 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-19-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.36 | 74.36 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860033 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-10-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 16.96 | 31.52 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860068 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-09-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860080 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860099 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.02 | 51.02 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 01-21-2026 |
| 860235 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-06-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860241 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | -.0391 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0391 | 02-14-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 02-14-2026 |
| 860248 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860251 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 12-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860254 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-18-2026 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36 | 36 | xxxxxx | xxxxxx | .0392 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0392 | xxxxxx | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860293 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860315 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860331 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-29-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860338 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-17-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 02-19-2026 | Not Eligible | 2.4 | 02-19-2026 |
| 860371 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-09-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860381 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.37 | 66.37 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-30-2025 |
| 860431 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.39 | 64.39 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860498 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-01-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.33 | 18.33 | xxxxxx | xxxxxx | -.0292 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0292 | xxxxxx | Moderate | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860510 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-30-2025 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | .1308 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1308 | xxxxxx | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860511 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-02-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860519 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-25-2026 |
| 860555 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-18-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860639 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-13-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860642 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.0200 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0200 | xxxxxx | Moderate | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-12-2025 |
| 860647 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.41 | 63.41 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860649 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 |
| 860660 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-05-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860665 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-14-2026 | Eligible | 1 | 01-26-2026 |
| 860670 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-15-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860672 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-10-2026 |
| 860680 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 01-19-2026 |
| 860681 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-20-2026 |
| 860685 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-16-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 01-22-2026 |
| 860696 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 01-20-2026 |
| 860697 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 |
| 860701 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 |
| 860702 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 |
| 860707 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-26-2026 |
| 860734 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.64 | 69.64 | xxxxxx | xxxxxx | .0089 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0089 | 01-26-2026 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860787 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860800 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-02-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.66 | 72.66 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 03-05-2026 |
| 860806 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860809 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 11-26-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860815 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-14-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860822 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860835 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-30-2025 |
| 860847 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-13-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 34.88 | 34.88 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860849 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 |
| 860884 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.98 | 64.98 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-05-2026 | Eligible | 1 | 03-05-2026 |
| 860886 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-17-2026 | Eligible | 1.6 | 03-17-2026 |
| 860902 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 |
| 860933 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 |
| 860939 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-21-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860996 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861009 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.86 | 61.86 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861087 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.83 | 48.83 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2026 |
| 861091 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.87 | 69.87 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-06-2026 |
| 861095 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 02-20-2026 |
| 861114 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-19-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.99 | 64.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861122 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.8 | 62.8 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 | Eligible | 1 | 03-11-2026 |
| 861133 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 02-17-2026 |
| 861135 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.83 | 63.83 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 02-17-2026 |
| 861136 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-17-2026 |
| 861190 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861205 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.11 | 58.11 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861215 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-19-2026 | Eligible |  |  |
| 861340 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.6 | 36.6 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-10-2026 |  |  |  |  |  |  |  |  |  |  | 2 | 02-24-2026 | Eligible | 1 | 02-24-2026 |
| 861371 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.8 | 66.8 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861385 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-27-2026 |
| 861410 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-03-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 51.69 | 51.69 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861440 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-02-2026 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | xxxxxx | -.0451 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0451 | xxxxxx | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861448 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 02-25-2026 |
| 861454 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.39 | 63.39 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861455 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861504 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861593 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-27-2026 |
| 861604 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.79 | 65.79 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-06-2026 | Eligible |  |  |
| 861607 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54 | 54 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-13-2025 | Eligible | 1.9 | 12-13-2025 |
| 861608 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861624 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.5 | 57.5 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861648 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 03-17-2026 | Not Eligible | 1 | 03-17-2026 |
| 861651 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 03-03-2026 | Not Eligible |  |  |
| 861655 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.9 | 46.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861667 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861673 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 44.44 | 44.44 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-05-2026 |
| 861682 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2026 |
| 861689 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861698 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 01-30-2026 |
| 861704 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 01-29-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.2 | 70.2 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861705 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-03-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861710 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-18-2026 |
| 861713 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-04-2026 |
| 861715 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-28-2026 |
| 861736 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.05 | 72.05 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-10-2026 |
| 861752 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-23-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.79 | 66.79 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861761 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.84 | 63.84 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861779 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-24-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.29 | 61.29 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861799 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-26-2026 |
| 861803 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.51 | 73.51 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-04-2025 | Eligible |  |  |
| 861804 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 |
| 861810 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.19 | 74.19 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861817 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-15-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.5 | 62.5 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861818 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-21-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861970 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 14.71 | 14.71 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-16-2026 | Eligible | 1 | 03-16-2026 |
| 861989 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-28-2026 |  |  |  |  |  |  |  |  |  |  | 1 | 02-26-2026 | Eligible | 1 | 02-26-2026 |
| 862030 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 02-02-2026 |
| 862044 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-16-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862045 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-17-2026 |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-17-2026 | Eligible | 2.5 | 03-17-2026 |
| 862075 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.75 | 74.75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862079 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.5 | 58.5 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862080 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.2 | 74.2 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862089 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-20-2026 |
| 862107 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.54 | 79.97 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2026 |
| 862126 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862144 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2026 |
| 862175 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-05-2026 |
| 862183 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862192 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-09-2026 | Eligible | 2.6 | 04-09-2026 |
| 862195 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862197 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862271 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.4 | 58.4 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-26-2026 | Eligible | 1 | 02-26-2026 |
| 862285 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862290 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-20-2026 | Eligible |  |  |
| 862328 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 71B | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.64 | 63.64 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 12-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862342 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2026 |
| 862494 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.23 | 79.23 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-06-2026 | Eligible | 1 | 03-06-2026 |
| 862510 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862519 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-30-2025 | Eligible |  |  |
| 862521 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862526 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.84 | 79.84 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862542 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-23-2026 |
| 862552 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-28-2026 |
| 862559 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-06-2026 |
| 862579 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-18-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.57 | 68.7 | xxxxxx | xxxxxx | -.0750 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0750 | 92 | 0.08 | xxxxxx | xxxxxx | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-22-2026 |
| 862615 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-18-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | xxxxxx | -.0357 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0357 | xxxxxx | Moderate | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862640 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-25-2026 |
| 862643 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862690 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-17-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.98 | 66.98 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-18-2026 |
| 862694 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2026 | Eligible |  |  |
| 862697 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 33.81 | 69.91 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 03-16-2026 |
| 862727 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862733 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-12-2026 | Eligible | 1 | 03-12-2026 |
| 862738 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.59 | 59.59 | xxxxxx | xxxxxx | .0145 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0145 | 12-04-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 12-11-2025 |
| 862741 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 12-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 12-29-2025 |
| 862753 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 | Eligible | 1 | 12-23-2025 |
| 862770 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-25-2026 |
| 862772 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 01-27-2026 |
| 862777 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-18-2026 | Eligible | 1 | 02-18-2026 |
| 862793 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.42 | 69.42 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 02-09-2026 |
| 862795 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | xxxxxx | .0130 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0130 | 01-27-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-21-2026 |
| 862796 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26 | 26 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-02-2026 | Eligible | 2.5 | 03-02-2026 |
| 862797 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-23-2025 | 71A | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | xxxxxx | -.0896 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0896 | xxxxxx | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862799 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 | Eligible | 1.5 | 03-11-2026 |
| 862803 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 02-10-2026 |
| 862811 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-27-2026 | Eligible | 2.6 | 02-27-2026 |
| 862823 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-06-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 |
| 862832 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.57 | 68.57 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-20-2026 | Eligible | 1 | 02-20-2026 |
| 862834 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.0081 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0081 | 91 | 0.09 | xxxxxx | xxxxxx | 03-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 02-26-2026 |
| 862838 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | xxxxxx | -.0112 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0112 | 97 | 0.03 | xxxxxx | xxxxxx | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 03-03-2026 |
| 862840 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-11-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-17-2026 | Eligible | 1 | 02-17-2026 |
| 862841 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.65 | 62.65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-02-2026 |
| 862847 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-02-2026 | Eligible | 1 | 03-02-2026 |
| 862852 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-18-2026 | Eligible | 1 | 02-18-2026 |
| 862860 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | .0750 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0750 | 02-19-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 03-03-2026 |
| 862868 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.3 | 62.3 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-19-2026 | Eligible | 1 | 02-19-2026 |
| 862873 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 |
| 862874 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.38 | 72.38 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 02-23-2026 |
| 862876 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-27-2026 | Eligible | 1.1 | 02-27-2026 |
| 862877 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 | Eligible | 1 | 02-25-2026 |
| 862879 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-23-2026 | Eligible | 1 | 02-23-2026 |
| 862887 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-02-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-04-2026 |
| 862889 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | xxxxxx | .1212 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1212 | xxxxxx | Moderate | 03-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862898 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-09-2026 | Eligible | 1.2 | 03-09-2026 |
| 862899 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-19-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-06-2026 | Eligible | 1 | 03-06-2026 |
| 862904 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 02-13-2026 |
| 862906 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | xxxxxx | .0566 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0566 | 02-15-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-18-2026 |
| 862907 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.11 | 68.11 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 03-03-2026 |
| 862955 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.08 | 49.47 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-09-2026 |
| 862958 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48 | 48 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862993 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-09-2026 |
| 863007 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.71 | 73.71 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863012 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863051 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-17-2026 |
| 863077 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2026 |
| 863085 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.87 | 70.87 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 02-02-2026 | Not Eligible |  |  |
| 863089 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-30-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863092 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76.47 | 76.47 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-11-2026 |
| 863093 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 |
| 863094 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-07-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.46 | 64.46 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863101 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.17 | 54.17 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-22-2026 |
| 863104 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 02-24-2026 |
| 863113 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.66 | 69.66 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 02-23-2026 |
| 863119 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-16-2026 |
| 863128 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2026 |
| 863140 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863178 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-13-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.53 | 60.53 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-17-2026 |
| 863179 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-12-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-23-2026 |
| 863183 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-23-2026 |
| 863185 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863209 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-27-2026 | Eligible | 1 | 03-27-2026 |
| 863213 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.25 | 71.25 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  | Eligible | 2.6 | 03-30-2026 |
| 863214 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.63 | 62.63 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-12-2026 |
| 863224 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2026 |
| 863236 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.64 | 63.64 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-19-2026 | Eligible | 1 | 02-19-2026 |
| 863237 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863241 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 11-05-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863244 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-05-2026 |
| 863271 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2026 | Eligible | 1.4 | 04-02-2026 |
| 863275 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.38 | 52.38 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 04-03-2026 |
| 863294 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.27 | 69.27 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-25-2026 | Eligible | 1.7 | 03-25-2026 |
| 863295 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2026 | Eligible | 1 | 03-25-2026 |
| 863299 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-12-2026 | Eligible |  |  |
| 863302 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.65 | 64.65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-07-2026 | Eligible | 1 | 04-07-2026 |
| 863309 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863310 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863314 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0071 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0071 | 03-19-2026 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863320 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-10-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.9 | 69.9 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863334 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-21-2026 | Eligible |  |  |
| 863345 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 23.81 | 71.65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863424 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 89.99 | 89.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 11-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 11-07-2025 |
| 863476 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2026 | Eligible | 1 | 03-26-2026 |
| 863491 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.18 | 66.67 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-23-2026 |
| 863494 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.72 | 56.72 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-06-2026 |
| 863553 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863576 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.64 | 66.64 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863577 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | xxxxxx | -.0769 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0769 | xxxxxx | Moderate | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863591 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863598 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |  | Not Eligible | 1 | 04-01-2026 |
| 863640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-16-2025 | Eligible |  |  |
| 863647 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-25-2026 | Eligible | 1 | 03-25-2026 |
| 863649 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.84 | 65.84 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2026 |
| 863663 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-11-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.37 | 42.37 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863670 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 04-15-2026 |
| 863691 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863693 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.84 | 66.84 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-01-2026 | Eligible | 2 | 04-01-2026 |
| 863694 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863699 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-11-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863704 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-11-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55 | 55 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863719 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863727 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863755 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 03-31-2026 | Not Eligible | 2.5 | 03-31-2026 |
| 863805 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 04-07-2026 | Not Eligible | 2.4 | 04-07-2026 |
| 863806 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-31-2026 | Eligible | 1 | 03-31-2026 |
| 863826 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863853 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 04-13-2026 |
| 863860 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.85 | 73.85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 04-06-2026 | Not Eligible | 1 | 04-06-2026 |
| 863863 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.75 | 69.75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2026 |
| 863864 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2026 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863869 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2026 | Eligible | 1 | 04-07-2026 |
| 863901 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-07-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2026 |
| 863905 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-11-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.82 | 61.82 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863907 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 33.07 | 60.94 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-23-2026 |
| 863915 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863930 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 04-07-2026 |
| 863932 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-27-2026 |
| 863947 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-30-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.56 | 55.56 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-10-2026 |
| 864005 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-10-2026 |
| 864006 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.18 | 72.18 | xxxxxx | xxxxxx | .0196 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0196 | 03-11-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 |
| 864010 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-27-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.3 | 64.3 | xxxxxx | xxxxxx | -.0814 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0814 | xxxxxx | Moderate | 04-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864024 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-01-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.52 | 64.52 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864034 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | xxxxxx | .0500 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0500 | 03-19-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-25-2026 |
| 864043 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2026 |
| 864056 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-21-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864090 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 02-24-2026 | Eligible | 1 | 02-24-2026 |
| 864100 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-30-2026 | Eligible |  |  |
| 864116 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-16-2026 | Eligible |  |  |
| 864126 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2026 |
| 864127 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.1 | 38.1 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864141 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 04-02-2026 |
| 864151 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.91 | 64.91 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-16-2026 | Eligible | 1 | 03-16-2026 |
| 864166 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 04-14-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-17-2026 |
| 864173 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.75 | 72.75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2025 | Eligible | 1 | 03-13-2025 |
| 864176 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.32 | 57.32 | xxxxxx | xxxxxx | .1968 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .1968 | xxxxxx | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-09-2026 |
| 864179 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.96 | 74.96 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864181 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76.79 | 76.79 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2026 |
| 864182 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-01-2026 |
| 864183 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-20-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.44 | 67.44 | xxxxxx | xxxxxx | -.0529 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0529 | xxxxxx | Moderate | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864184 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.12 | 59.12 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 02-23-2026 |
| 864185 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.38 | 79.38 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 02-26-2026 |
| 864186 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-04-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864193 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 |
| 864195 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-03-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864196 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2026 |
| 864197 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864198 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-26-2026 |
| 864199 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-02-2026 |
| 864200 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.02 | 78.02 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-27-2026 |
| 864205 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-04-2026 |
| 864208 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-16-2026 |
| 864209 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864210 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.37 | 54.37 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-27-2026 |
| 864214 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.85 | 68.85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-12-2026 |
| 864218 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 |
| 864219 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-17-2026 |
| 864220 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-27-2026 |
| 864222 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-05-2026 |
| 864223 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-17-2026 |
| 864224 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 02-26-2026 |
| 864226 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2026 |
| 864231 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864232 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864237 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.69 | 64.14 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2026 |
| 864260 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-30-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864266 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 |
| 864302 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 04-04-2026 |
| 864305 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-13-2026 |
| 864306 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864309 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | -.0318 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0318 | 03-22-2026 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0318 | xxxxxx | Low | 04-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864311 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864312 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.03 | 74.03 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864322 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2026 |
| 864330 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-06-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.99 | 79.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864350 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.55 | 68.55 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-26-2026 |
| 864361 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2026 | Eligible | 1 | 03-27-2026 |
| 864362 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-30-2026 |
| 864379 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 04-30-2026 |
| 864386 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-11-2026 | Eligible |  |  |
| 864387 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-27-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 34.21 | 54.12 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-04-2026 | Eligible |  |  |
| 864399 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-10-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.56 | 55.56 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-14-2026 |
| 864410 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.56 | 75.56 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2026 | Eligible | 1.3 | 04-15-2026 |
| 864424 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.99 | 48.99 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864428 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | .0004 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0004 | 03-16-2026 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864430 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-14-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864441 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-13-2026 |
| 864455 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864456 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2026 |
| 864458 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864459 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | .0323 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0323 | 04-03-2026 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0323 | xxxxxx | Moderate | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864460 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.38 | 79.38 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864462 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864463 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864464 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864465 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864466 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864468 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-14-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-16-2026 | Eligible | 1 | 04-16-2026 |
| 864473 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2026 | Eligible | 1 | 04-08-2026 |
| 864475 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2026 | Eligible | 1 | 04-08-2026 |
| 864476 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 04-03-2026 |
| 864478 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-13-2026 | Eligible | 1 | 04-13-2026 |
| 864483 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-31-2026 |
| 864485 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-10-2026 |
| 864486 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2026 | Eligible | 1 | 04-14-2026 |
| 864488 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.76 | 61.76 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-17-2026 | Eligible | 1 | 03-17-2026 |
| 864489 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.6 | 69.6 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-31-2026 |
| 864491 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-19-2026 |
| 864495 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-10-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864497 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 04-19-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-03-2026 |
| 864501 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 03-23-2026 |
| 864502 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-24-2026 | Eligible |  |  |
| 864548 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-13-2026 | Not Eligible | 1 | 04-13-2026 |
| 864550 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.74 | 67.74 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-03-2026 | Not Eligible | 1.6 | 04-03-2026 |
| 864557 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-07-2026 | Eligible | 1 | 04-07-2026 |
| 864559 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864561 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-06-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.94 | 59.94 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864562 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-13-2026 |
| 864563 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864568 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 22.22 | 64.19 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-30-2026 | Eligible | 1.7 | 04-30-2026 |
| 864575 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 89.93 | 89.93 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2026 |
| 864577 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-08-2026 | AVM | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 22.47 | 74.86 | xxxxxx | xxxxxx | .0446 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0446 | 93 | 0.07 | xxxxxx | xxxxxx | 05-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864597 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.85 | 79.85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864611 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-01-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.88 | 59.88 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 04-01-2026 | Not Eligible | 2.3 | 04-01-2026 |
| 864616 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2026 |
| 864630 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 44 | 44 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864636 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 02-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 02-26-2026 |
| 864643 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-30-2026 |
| 864681 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.33 | 64.54 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-11-2026 |
| 864692 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 03-27-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.67 | 61.67 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-30-2026 |
| 864701 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-25-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864713 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76.69 | 76.69 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-12-2026 | Eligible | 1 | 03-12-2026 |
| 864717 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-30-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864728 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76.92 | 76.92 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 04-09-2026 |
| 864745 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2026 |
| 864775 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-18-2026 | Eligible |  |  |
| 864789 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864794 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.98 | 63.98 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-21-2026 | Eligible | 1 | 04-21-2026 |
| 864858 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.84 | 68.84 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2026 | Eligible |  |  |
| 864860 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.62 | 56.62 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2026 |
| 864863 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 84.53 | 84.53 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864865 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 23.38 | 54.94 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-24-2026 |
| 864869 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62 | 62 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864901 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.93 | 59.93 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-31-2026 | Eligible | 1.2 | 03-31-2026 |
| 864902 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864911 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 04-10-2026 |
| 864913 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864924 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-13-2026 | Eligible | 1 | 04-13-2026 |
| 864928 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 41.54 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-27-2026 |
| 864988 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-13-2026 |
| 865004 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-10-2026 | Eligible |  |  |
| 865005 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-23-2026 | Eligible | 2.3 | 03-23-2026 |
| 865009 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-03-2026 |
| 865010 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.49 | 72.49 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2026 |
| 865011 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-01-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.89 | 57.89 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865014 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.18 | 59.18 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-25-2026 |
| 865023 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-27-2026 | 1004C Manufactured Home | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.14 | 50.14 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865026 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.52 | 69.52 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-23-2026 |
| 865027 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-16-2026 | Eligible | 1 | 03-16-2026 |
| 865029 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-28-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-06-2026 |
| 865030 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-17-2026 | Eligible | 1 | 03-17-2026 |
| 865031 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 03-18-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 03-20-2026 |
| 865034 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-17-2026 | Eligible | 1 | 03-25-2026 |
| 865035 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-02-2026 | Eligible | 2.8 | 04-02-2026 |
| 865037 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.42 | 45.42 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-31-2026 |
| 865042 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-12-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865044 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | .0263 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0263 | 03-11-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 03-27-2026 |
| 865051 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-12-2026 |
| 865052 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.71 | 45.71 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865053 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-02-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2026 |
| 865056 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.32 | 60.79 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-24-2026 | Eligible | 1.3 | 03-24-2026 |
| 865060 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865062 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.6 | 38.6 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 03-30-2026 | Not Eligible | 1.2 | 03-30-2026 |
| 865063 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 | Eligible | 1 | 03-18-2026 |
| 865066 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-18-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.74 | 50.74 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-06-2026 | Not Eligible | 1 | 03-23-2026 |
| 865068 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-27-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-02-2026 | Eligible | 1 | 04-02-2026 |
| 865074 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.57 | 28.57 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-08-2026 |  |  |  |  |  |  |  |  |  |  | 1 | 03-28-2026 | Eligible | 3.4 | 03-28-2026 |
| 865076 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.09 | 54.09 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 04-08-2026 |
| 865078 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 33.87 | 33.87 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-25-2026 |
| 865079 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.34 | 68.34 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 03-25-2026 |
| 865081 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-07-2026 | Eligible | 4.6 | 03-27-2026 |
| 865086 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 61.9 | 61.9 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 |
| 865088 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.62 | 47.62 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 04-03-2026 | Not Eligible | 4.9 |  |
| 865089 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-08-2026 | Not Eligible | 2.5 | 04-08-2026 |
| 865096 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.28 | 29.28 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 03-23-2026 |
| 865097 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2026 | Eligible | 1 | 04-08-2026 |
| 865101 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.68 | 55.68 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 | Eligible |  |  |
| 865103 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-16-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.23 | 69.23 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2026 |
| 865105 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-20-2026 | Eligible |  |  |
| 865107 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-08-2026 | Eligible | 1 | 04-08-2026 |
| 865108 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-23-2026 | Eligible | 1 | 03-23-2026 |
| 865113 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-31-2026 |
| 865114 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.95 | 69.95 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 04-09-2026 |
| 865117 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.0756 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0756 | 97 | 0.03 | xxxxxx | xxxxxx | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 03-30-2026 |
| 865118 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-01-2026 |
| 865120 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 04-03-2026 | Not Eligible | 2 | 04-03-2026 |
| 865121 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-02-2026 | Eligible | 1 | 04-02-2026 |
| 865123 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 04-08-2026 |
| 865125 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-06-2026 | Eligible | 1 | 04-06-2026 |
| 865127 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 89.99 | 89.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-02-2026 |
| 865128 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2026 |
| 865131 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 03-30-2026 |
| 865133 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | .0772 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0772 | 04-06-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-29-2026 |
| 865135 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2026 |
| 865137 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-01-2026 | Eligible | 1 | 04-01-2026 |
| 865138 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2026 | 1004C Manufactured Home | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | xxxxxx | .0254 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0254 | 95 | 0.05 | xxxxxx | xxxxxx | 04-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865139 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | .0208 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0208 | 03-31-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-06-2026 | Eligible |  |  |
| 865141 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-06-2026 |
| 865143 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2026 |
| 865144 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-14-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-06-2026 |
| 865146 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-02-2026 | Eligible | 1 | 04-02-2026 |
| 865147 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-03-2026 | Eligible | 1.7 | 04-03-2026 |
| 865148 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-09-2026 | Eligible | 1.8 | 04-09-2026 |
| 865149 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 04-06-2026 |
| 865151 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2026 |
| 865152 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-09-2026 |
| 865158 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-03-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2026 |
| 865160 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2026 |
| 865165 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 33.22 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865184 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-19-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-05-2026 | Eligible |  |  |
| 865194 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 02-27-2026 |
| 865197 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 16.3 | 49.93 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-10-2026 |
| 865207 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-28-2026 | Eligible | 1.4 | 04-28-2026 |
| 865210 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-04-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-07-2026 | Eligible |  |  |
| 865243 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-19-2026 | Eligible | 1.1 | 03-19-2026 |
| 865245 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 42.02 | 42.02 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-04-2026 |
| 865250 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.82 | 38.82 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-17-2026 |
| 865251 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2026 |
| 865261 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.0046 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0046 | 97 | 0.03 | xxxxxx | xxxxxx | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2026 |
| 865263 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.03 | 31.03 | xxxxxx | xxxxxx | .0103 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0103 | 96 | 0.04 | xxxxxx | xxxxxx | 04-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-01-2026 |
| 865264 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-10-2026 |
| 865265 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 34.19 | 34.19 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-20-2026 |
| 865279 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 34.67 | 34.67 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 04-07-2026 |
| 865289 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | -.0348 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0348 | 97 | 0.03 | xxxxxx | xxxxxx | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865294 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-23-2026 |
| 865296 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.92 | 38.92 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-29-2026 | Eligible | 1 | 04-29-2026 |
| 865318 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-22-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-27-2026 | Eligible |  |  |
| 865319 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-22-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.95 | 54.95 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-23-2026 |
| 865320 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-17-2026 | Eligible | 2.7 |  |
| 865324 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0013 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0013 | 95 | 0.05 | xxxxxx | xxxxxx | 04-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-17-2026 |
| 865327 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.18 | 74.18 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-22-2026 |
| 865333 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-06-2026 | Eligible |  |  |
| 865339 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-02-2026 |
| 865340 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-29-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | -.0474 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0474 | xxxxxx | Moderate | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865342 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-19-2026 | Eligible | 1 | 04-19-2026 |
| 865345 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-27-2026 | Eligible | 2.3 | 03-27-2026 |
| 865346 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-27-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-27-2026 |
| 865347 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 03-26-2026 |
| 865372 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.48 | 68.48 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2026 |
| 865380 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865389 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.09 | 79.85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-23-2026 |
| 865585 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.14 | 64.14 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-07-2026 | Eligible | 1.2 | 04-07-2026 |
| 865587 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.78 | 77.78 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-18-2026 | Eligible | 1 | 03-18-2026 |
| 865589 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-13-2026 | Eligible | 1 | 04-13-2026 |
| 865593 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2026 |
| 865595 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2026 |
| 865597 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.07 | 74.07 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 04-27-2026 |
| 865602 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-13-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.92 | 67.92 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865603 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.36 | 36.36 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-31-2026 | Eligible | 1 | 03-31-2026 |
| 865604 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.06 | 53.06 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-17-2026 |
| 865605 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-06-2026 | Eligible | 2 | 04-06-2026 |
| 865606 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-30-2026 | Eligible | 1 | 03-30-2026 |
| 865607 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-03-2026 | Eligible | 1 | 04-03-2026 |
| 865608 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2026 |
| 865623 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 76.54 | 76.54 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-05-2026 |
| 865624 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 03-30-2026 |
| 865625 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865626 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-19-2026 |
| 865629 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.58 | 79.58 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865634 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.95 | 69.95 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 |
| 865635 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 04-06-2026 |
| 865639 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-10-2026 |
| 865640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-16-2026 |
| 865641 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2026 |
| 865642 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 |
| 865645 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 |
| 865646 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-24-2026 |
| 865651 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865653 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865655 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.32 | 62.32 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-10-2026 |
| 865662 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0024 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0024 | xxxxxx | 04-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 04-07-2026 |
| 865663 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.17 | 15.17 | xxxxxx | xxxxxx | -.2774 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-27-2026 |  |  |  |  |  | xxxxxx | xxxxxx | -.2774 | xxxxxx | 03-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865665 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 03-26-2026 |
| 865670 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-23-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-28-2026 |
| 865674 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-11-2026 | Eligible | 1 | 05-11-2026 |
| 865686 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-20-2026 | Eligible | 1 | 04-20-2026 |
| 865693 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 04-21-2026 | Not Eligible | 2.5 | 04-21-2026 |
| 865708 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.32 | 65.32 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2026 |
| 865715 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 05-01-2026 | Not Eligible | 1 | 05-01-2026 |
| 865738 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-23-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 34.21 | 69.91 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865778 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-11-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865785 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-09-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-16-2026 |
| 865786 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.21 | 59.21 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865825 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-05-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.85 | 65.85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865829 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-01-2026 |
| 865903 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-01-2026 | Eligible | 1 | 04-01-2026 |
| 865905 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2026 | Eligible |  |  |
| 865908 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-28-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-06-2026 |
| 865913 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 04-22-2026 |
| 865946 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-06-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865972 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-24-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-29-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865977 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.02 | 67.02 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2026 |
| 865986 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 04-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-06-2026 | Eligible | 2.2 | 05-06-2026 |
| 865997 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866007 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 71.33 | 71.33 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866016 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-19-2026 |
| 866019 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.94 | 45.94 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-13-2026 | Eligible | 1 | 04-13-2026 |
| 866020 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2026 |
| 866022 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-12-2026 | Eligible | 1.1 | 05-12-2026 |
| 866029 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866037 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2026 | Eligible | 1.1 | 04-22-2026 |
| 866038 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-27-2026 | Eligible | 2.2 | 04-27-2026 |
| 866039 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-22-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2026 |
| 866055 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-11-2026 | Eligible |  |  |
| 866056 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-06-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866072 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2026 |
| 866076 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-20-2026 |
| 866151 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-01-2026 | Eligible | 1 | 04-01-2026 |
| 866184 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.39 | 54.39 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2026 |
| 866212 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-07-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2026 |
| 866250 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-25-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866262 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 27.03 | 53.71 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-04-2026 |
| 866267 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-22-2026 |
| 866336 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-29-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-08-2026 |
| 866372 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866425 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866439 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-07-2026 |
| 866517 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-14-2026 |
| 866534 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-30-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866535 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-07-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-24-2026 | Eligible | 1 | 04-24-2026 |
| 866536 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0370 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0370 | 04-21-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-24-2026 |
| 866537 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-08-2026 | Eligible | 1 | 05-08-2026 |
| 866538 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.43 | 46.43 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-08-2026 | Eligible | 2.2 | 04-08-2026 |
| 866539 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-06-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.25 | 50.25 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-20-2026 | Eligible | 1 | 04-20-2026 |
| 866540 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-24-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866542 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-21-2026 | Eligible | 1 | 04-21-2026 |
| 866544 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.98 | 58.98 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-09-2026 | Eligible | 1 | 04-09-2026 |
| 866547 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-28-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 04-22-2026 |
| 866548 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2026 | Eligible | 1 | 04-08-2026 |
| 866551 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 79.98 | 79.98 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-04-2026 | Eligible | 1 | 05-04-2026 |
| 866552 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-04-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.92 | 69.92 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-04-2026 | Eligible | 1 | 05-04-2026 |
| 866553 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-23-2026 | Eligible | 1 | 04-23-2026 |
| 866556 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-13-2026 | Eligible | 1 | 04-13-2026 |
| 866558 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-27-2026 | Eligible | 1.3 | 04-27-2026 |
| 866561 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-22-2026 | Eligible | 1 | 04-22-2026 |
| 866635 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.19 | 62.19 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 05-06-2026 |
| 866694 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866996 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-30-2026 |
| 2000011421 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-09-2025 |
| 2000011435 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48 | 48 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011441 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | xxxxxx | .0892 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0892 | xxxxxx | Moderate | 09-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011454 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 52.34 | 52.34 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-12-2025 |
| 2000011456 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 07-31-2025 |
| 2000011457 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-24-2025 |
| 2000011459 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 09-08-2025 |
| 2000011475 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | xxxxxx | -.0201 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0201 | xxxxxx | Moderate | 10-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011502 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-13-2025 |
| 2000011508 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-25-2025 |
| 2000011516 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-03-2025 |
| 2000011520 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-06-2025 |
| 2000011533 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.46 | 70.46 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 2000011534 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011565 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 10-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011566 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-17-2025 |
| 2000011572 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.88 | 56.88 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-29-2025 |
| 2000011580 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-05-2025 |
| 2000011582 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-17-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 37.18 | 37.18 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 11-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 11-05-2025 |
| 2000011605 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-01-2025 |
| 2000011606 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-05-2025 |
| 2000011624 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 12-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 41.11 | 65.07 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 2000011659 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 10-29-2025 |
| 2000011676 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 10-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 11-03-2025 |
| 2000011705 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-22-2025 |
| 2000011706 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-06-2025 |
| 2000011707 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 10-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011764 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.62 | 62.62 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-22-2025 |
| 2000011783 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 |
| 2000011799 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 11-18-2025 | 71A | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | .0325 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0325 | xxxxxx | 11-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011822 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-05-2025 |
| 2000011826 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-04-2025 |
| 2000011832 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 11-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-23-2025 |
| 2000011833 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 08-20-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 63.16 | 63.16 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011840 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.96 | 45.96 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-03-2026 |
| 2000011864 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 40 | 40 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-21-2026 |
| 2000011873 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 36.58 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011885 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.96 | 67.96 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 |
| 2000011908 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 33.71 | 74.67 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-16-2026 | Eligible | 1 | 02-16-2026 |
| 2000011912 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 02-13-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 02-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011921 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 12-14-2025 | Appraisal Narrative | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | .0571 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0571 | xxxxxx | 01-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011925 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-05-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.96 | 69.96 | xxxxxx | xxxxxx | -.0520 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0520 | xxxxxx | Moderate | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000011967 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.59 | 52.9 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 03-12-2026 |
| 2000012022 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 03-30-2026 |
| 2000012028 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-30-2026 |
| 2000012029 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2026 |
| 2000012042 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.52 | 67.43 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 01-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-13-2026 |
| 2000012059 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 9.93 | 58.66 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2026 |
| 2000012066 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.52 | 64.52 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-11-2026 |
| 2000012067 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.51 | 67.51 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012072 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012075 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11.22 | 45.29 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012077 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.38 | 78.65 | xxxxxx | xxxxxx | -.0326 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0326 | xxxxxx | Moderate | 04-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 04-07-2026 |
| 2000012079 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-12-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 03-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012094 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2026 |
| 2000012108 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-02-2026 |
| 2000012116 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012117 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 02-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 68.3 | 68.3 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 |
| 2000012119 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-24-2026 |
| 2000012120 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-01-2026 |
| 2000012127 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 19.4 | 56.9 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-13-2026 |
| 2000012128 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-03-2026 |
| 2000012129 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.47 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 03-18-2026 |
| 2000012138 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-25-2026 |
| 2000012142 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.1 | 64.1 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 03-23-2026 |
| 2000012148 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 01-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 21.97 | 48.23 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-13-2026 |  |  |  |  |  |  |  |  |  |  | 5 | 02-01-2026 | Not Eligible | 1.9 | 02-01-2026 |
| 2000012152 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10.74 | 35.01 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 04-21-2026 |
| 2000012153 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 03-30-2026 | Eligible |  |  |
| 2000012157 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 38.71 | 38.71 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012162 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 13.54 | 69.74 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 04-10-2026 |
| 2000012166 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012173 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 15.75 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-26-2026 |
| 2000012176 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-13-2026 |
| 2000012183 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2026 |
| 2000012186 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 04-14-2026 |
| 2000012187 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 03-31-2026 |
| 2000012192 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-03-2026 |
| 2000012194 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 47.76 | 47.76 | xxxxxx | xxxxxx | .0050 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0050 | 04-22-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012196 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2026 | Eligible | 1 | 04-08-2026 |
| 2000012209 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012211 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-17-2026 |
| 2000012224 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 29.92 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-27-2026 |
| 2000012230 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 14.75 | 78.16 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 05-04-2026 |
| 2000012231 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-02-2026 |
| 2000012234 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.97 | 69.97 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2026 |
| 2000012235 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20 | 67.6 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-06-2026 |
| 2000012244 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-12-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.06 | 18.06 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 03-18-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012246 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 04-14-2026 |
| 2000012255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 04-01-2026 |
| 2000012261 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 25.14 | 59.01 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 04-01-2026 |
| 2000012263 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-21-2026 |
| 2000012265 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-10-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012276 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-24-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012280 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 03-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 23.29 | 23.29 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 04-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012281 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 43.14 | 79.98 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-20-2026 | Eligible | 1 | 04-20-2026 |
| 2000012287 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.31 | 64.31 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2026 |
| 2000012299 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-21-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-23-2026 | Eligible | 1 | 04-23-2026 |
| 2000012306 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2026 |
| 2000012307 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 18.12 | 18.12 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012328 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-25-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 53.98 | 53.98 | xxxxxx | xxxxxx | -.0829 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0829 | 96 | 0.04 | xxxxxx | xxxxxx | 05-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012330 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.86 | 62.86 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2026 |
| 2000012332 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-16-2026 | 71A | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | .0037 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0037 | xxxxxx | 04-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2000012338 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 05-05-2026 | Eligible |  |  |
| 2000012353 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-20-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2026 |
| 2000012355 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 05-01-2026 |
| 2000012358 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-21-2026 |
| 2000012371 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 03-24-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.25 | 50.25 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2026 |
| 2000012374 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 04-28-2026 |
| 2000012400 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 05-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 45.33 | 45.33 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-07-2026 |
| 2000012402 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 13.26 | 68.79 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-01-2026 |
| 2000012441 | xxxxxx | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | 04-29-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-01-2026 |
| 2000012475 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.4 | 79.97 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-07-2026 |

---

## Exhibit 99.21

**EXHIBIT 99.21**

**clarifii tax and title report** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Address** | **City** | **State** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Issue Check Result** | **Address Variation** | **Applicant Not in Title** | **No Open Mortgage** | **Delinquent OR Unpaid Taxes** | **Other Lien Amount Before Subject** | **Federal Tax Lien** | **State Tax Lien** | **Subject Mortgage Found** | **Subject in 1st Position** | **Subject Mortgage Foreclosed** | **Break in Assignment Chain** | **Assigned to Counterparty** | **Property in Super Lien State?** | **Subject Mortgage Last Assignment Addl Info** | **Subject Mortgage Amount** | **Subject Mortgage Lien Position** | **Modification Amount** | **Modification Date** | **Subject Mortgage Modification Purpose** | **Senior Mortgages Count** | **Total Senior Mortgage Amount** | **Junior Mortgages Count** | **Total Junior Mortgage Amount** | **State Tax Lien Amount Before Subject** | **State Tax Lien Amount After Subject** | **Federal Tax Lien Amount Before Subject** | **Federal Tax Lien Amount After Subject** | **HOA Lien Amount Before Subject** | **HOA Lien Amount After Subject** | **Municipal Lien Amount Before Subject** | **Municipal Lien Amount After Subject** | **Other Lien Amount Before Subject** | **Other Lien Amount After Subject** | **Total Lien Amount Before Subject** | **Total Lien Amount After Subject (includes Delinquent Tax)** | **Total Lien Amount (includes Delinquent Tax)** | **Current Tax Amount** | **Delinquent Tax Amount** | **Total Tax Amount** | **Additional Info** |
| 855556 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Yes | 16 | xxxxxx as nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxx | xxxxx | xxxxxx | xxxxxx | xxxxxx | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A | Y | N/A | xxxxxx | 1 N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | xxxxxx | $0.00 | xxxxxx | "Property Type: Single Family Residential" |
| 863640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Yes | 17 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A | Y | N/A | xxxxxx | 1 N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | xxxxxx | $0.00 | xxxxxx | "Property Type: Single Family Residential" |
| 864173 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Yes | 16 | xxxxxx, as nominee for xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | PASS | N/A | N | N/A | xxxxxx | 1 N |  |  |  | 0 | $0.00 | 0 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | xxxxxx | $0.00 | xxxxxx | "Property Type: Condominium" |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Address** | **City** | **State** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Title Policy** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| 855556 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | 1/A | 1/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | 1/A | 1/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864173 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | 1/A | 1/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.22

**EXHIBIT 99.22**

**clarifii multi property Valuation** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Property 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** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Completion Report (1004D) Date** |
| 846884 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.84 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 846884 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.20 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 846884 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.20 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| 846884 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.20 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 846884 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.00 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 846884 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.20 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |  |

---

## Exhibit 99.23

**EXHIBIT 99.23**

**selene diligence llc ("selene") due diligence review narrative report**![](tm2619057d1_ex99-23img01.jpg)

**Selene Diligence LLC ("Selene") Due**

**Diligence Review Narrative ("Report")**

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

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by VMC Asset Pooler, LLC ("Client"). The review was conducted between December 2, 2025 through May 22, 2026 via files imaged and provided for review (the "Review"), in connection with the Verus 2026-6 securitization.

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

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 88 residential and 70 business purpose loans for a total of 158 loans (the "Final Securitization Population").

*<u>Credit Reviews (158):</u>*

During the Review, Selene performed a credit review on 158 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (158)</u>*

During the Review, Selene performed a compliance review, as applicable, on 158 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (158):</u>*

During the Review, Selene performed a property valuation review on 158 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (158):</u>*

During the Review, Selene performed a Data Integrity Review on 158 mortgage loans in the Final Securitization Population.

*VERUS 2026-6 Executive Summary (Selene Diligence)*

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 158 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;158 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;158 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;158 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;158 | &nbsp;&nbsp;100.00% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E, Moodys Corporation, ("Moodys") and DBRS, Inc., ("DBRS") (the "NRSRO(s)").

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-6 Executive Summary (Selene Diligence)* | Page **2** of **18** |

---

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

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

**CREDIT REVIEW**

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

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

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

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

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

**COMPLIANCE REVIEW**

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

**PROPERTY VALUATION REVIEW**

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-6 Executive Summary (Selene Diligence)* | Page **3** of **18** |

---

**DATA INTEGRITY REVIEW**

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

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

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

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

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

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

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

**DSCR REVIEW**

Selene's DSCR review consisted of the below:

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

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

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

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 158 mortgage loans, (ii) a Compliance Review, as applicable, on 158 mortgage loans (iii) a Valuation Review on 158 mortgage loans, and (iv) a Data Integrity Review on 158 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After reviewing the 158 mortgage loans, 111 mortgage loans had a rating grade of A, and 47 mortgage loans had a rating grade of B.

---

| | |
|:---|:---|
| *VERUS 2026-6 Executive Summary (Selene Diligence)* | Page **4** of **18** |

---

 ***Grades per loan (158 overall loans):***

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Moodys %** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS %** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Moodys %** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS %** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;42 | &nbsp;&nbsp;26.58% | &nbsp;&nbsp;42 | &nbsp;&nbsp;26.58% | &nbsp;&nbsp;A | &nbsp;&nbsp;111 | &nbsp;&nbsp;70.25% | &nbsp;&nbsp;111 | &nbsp;&nbsp;70.25% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.53% | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.53% | &nbsp;&nbsp;B | &nbsp;&nbsp;47 | &nbsp;&nbsp;29.75% | &nbsp;&nbsp;47 | &nbsp;&nbsp;29.75% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;37 | &nbsp;&nbsp;23.42% | &nbsp;&nbsp;37 | &nbsp;&nbsp;23.42% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;75 | &nbsp;&nbsp;47.47% | &nbsp;&nbsp;75 | &nbsp;&nbsp;47.47% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** |  | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Moodys %** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS %** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Moodys %** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS %** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;153 | &nbsp;&nbsp;96.84% | &nbsp;&nbsp;153 | &nbsp;&nbsp;96.84% | &nbsp;&nbsp;A | &nbsp;&nbsp;113 | &nbsp;&nbsp;71.52% | &nbsp;&nbsp;113 | &nbsp;&nbsp;71.52% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.16% | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.16% | &nbsp;&nbsp;B | &nbsp;&nbsp;45 | &nbsp;&nbsp;28.48% | &nbsp;&nbsp;45 | &nbsp;&nbsp;28.48% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moodys** | &nbsp;&nbsp;**Moodys %** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**DBRS %** |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;157 | &nbsp;&nbsp;99.37% | &nbsp;&nbsp;157 | &nbsp;&nbsp;99.37% |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.63% | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.63% |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |

---

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-6 Executive Summary (Selene Diligence)* | Page **5** of **18** |

---

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

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

Selene furnished the following reports on this transaction:

Selene Due Diligence Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;1. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;2. Grading Summary

&nbsp;&nbsp;&nbsp;&nbsp;3. Exception Detail

&nbsp;&nbsp;&nbsp;&nbsp;4. Tape Discrepancies

&nbsp;&nbsp;&nbsp;&nbsp;5. Valuations Report

6. Multi-Property Valuation Report

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-6 Executive Summary (Selene Diligence)* | Page **6** of **18** |

---

**APPENDIX A – CREDIT REVIEW SCOPE**

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

**Credit Application**

For the Credit Application, Selene verified whether:

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

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

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

**Credit Report**

Selene verified:

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

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

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

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

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

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

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

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

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

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

**Employment and Income**

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| *VERUS 2026-6 Executive Summary (Selene Diligence)* | Page **7** of **18** |

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**Asset Review**

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

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

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

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

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

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

**Hazard/Flood insurance** 

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

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

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

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

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

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

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

**Title**

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

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan file;

---

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|:---|:---|
| *VERUS 2026-6 Executive Summary (Selene Diligence)* | Page **8** of **18** |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed in the
loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
for any additional consumers associated with the borrowers' profiles and confirm the materiality and material issues have been
addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

---

| | |
|:---|:---|
| *VERUS 2026-6 Executive Summary (Selene Diligence)* | Page **9** of **18** |

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**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the applicable residential loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

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.

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review for presence of mortgage loan originator
 organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan
 contract, security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against the NMLSR database, as available.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

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

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

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

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

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

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

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

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

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

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**SCHEDULE I**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License Registered Depository Institution
 Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA AB 4100/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington, DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington, DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign Lender License - Mortgage Loan Originator
Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker Registrant- Mortgage Broker License-
Master Loan Company Registration Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM Home Loan Protection Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;33. OH Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit County, OH Consumer Protection Ordinance

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&nbsp;&nbsp;&nbsp;&nbsp;37. OK Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 – Consumer Loan Company License – Mortgage
Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;1. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;2. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;3. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;4. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;5. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;6. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;7. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;8. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;9. ME Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime, Rate Spread Home Loan, and Higher-Priced
Mortgage Loan Provisions (original 2003 provisions and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;10. MA High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices Act - MA 209 CMR 32.35 Higher-Priced
Mortgage Loan Provisions - MA "Borrower's Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;11. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;12. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;13. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;14. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;15. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;16. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;17. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;18. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;19. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;20. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;21. TX Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;22. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;23. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;24. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;25. WI Responsible High Cost Mortgage Lending Act

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**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding
that Selene may have reviewed valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not an 'AMC' (appraisal management company)
and therefore Selene does not opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations,
and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

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**APPENDIX D – DSCR SCOPE**

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Borrower Qualifications** 

Selene reviewed each Loan File to determine whether it contains the following borrower documents and if they adhere to the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence of public record search (Thomson Reuters CLEAR)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Evidence of asset location searches for additional real estate transactions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Borrowers Questionnaire is completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Schedule of RE owned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Personal Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Background Search

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Personal Financial Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) Liquidity and Net Worth Verification Documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **Borrowing Entity Qualifications** 

Selene reviewed each Loan File to determine whether it contains the following entity documents and if they adhere to the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence of public record search (Thomson Reuters CLEAR) and applicable Sec. of State evidence of good
standing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Evidence of asset location searches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Business Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Business Financials

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Articles of Incorporation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Bylaws/Operating agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Resolution to take on Debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) Organizational Chart

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit Approval Memo

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**3.** **Property Manager Entity Qualifications** 

Selene reviewed each Loan File to determine that Property Manager entity is incorporated and operated in the United States with bank accounts located in U.S. state and federally chartered bank accounts.

&nbsp;&nbsp;&nbsp;&nbsp;**4.**  **<u>Individual Property Scope</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Business Purpose Loan Affidavit** 

Selene reviewed each Loan File to determine whether a Business Purpose Loan is present and properly executed.

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Lease Review** 

Selene reviewed each Loan File to determine whether each property contains a valid lease and determine if it is executed in compliance with the guidelines, including a review of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Each lease has been executed by the applicable tenant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Confirm tenant is a natural person

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm lease does not contain "lease to own" provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Verify vacancy factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each lease contains the monthly rental payment, commencement and expiration dates, and term and remaining
term are in compliance with the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm rent, vacancy and lease commencement/expiration consistent with underwritten rent roll

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Valuation Review** 

Selene reviewed the appraisal provided for each property in the Loan File to ensure that the value meets the guidelines and that the market value concluded on the appraisal is properly supported. Selene reviewed the Loan to Value ("LTV") of each loan for program eligibility, pursuant to the guidelines. Specifically, Selene will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Confirm the appraisal is the correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Review property condition and type; confirm it meets guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review that value meets the minimum/maximum per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Confirm "as is" and "subject to" values

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Review sales comparables and adjustments for relevance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. For multifamily properties: review the appraiser's cash flow assumptions, rent comparables, cap
rate selection and value reconciliation

&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Insurance Review** 

Selene reviewed each Loan File to ensure that the property, flood, and hazard insurance policies are in compliance with the guidelines.

In the event the property is located within 25 miles of the Gulf of Mexico or the Atlantic Coast of Florida, Georgia, South Carolina, or North Carolina, Selene confirmed property has windstorm or "named storm" coverage.

&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Collateral Analysis** 

Selene reviewed each Loan File to determine whether it contains the following collateral documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Executed Leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rent Roll

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Rental Income Verification (proof of lease payments that demonstrate minimum 90% of scheduled gross rents for the previous two-month
period.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Operating Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Property Management Agreement

&nbsp;&nbsp;&nbsp;&nbsp;**f)** **Financial Analysis / Cash Flow Analysis** 

Selene reviewed each Loan File to determine whether it contains the following financial documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Rent Roll:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm monthly rents are populated correctly at the loan level and portfolio level

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm Rent verification – proof of lease payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm vacancy is within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Operating Statements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm expenses within range, per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm taxes, insurance and HOA are populated at loan level and within range at portfolio level per the guidelines

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm CapEx meets guidelines for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm annual maintenance fees meet guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm property management fees meet program requirements for range and historical consistency

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm the DSCR meets program guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Property Management Agreement / Tri Party Agreement if no property manager

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## Exhibit 99.24

**EXHIBIT 99.24**

**selene rating agency grades detail report** 

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 857050 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-29 00:18 | 2026-05-07 03:11 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title document with updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-05/07/2026 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. - Seller-05/06/2026 <br> Open-Title Coverage Amount of xxxxxx is Less than Loan Amount Title Coverage Amount of xxxxxx and is less than Loan Amount xxxxxx. Provide updated title policy. - Due Diligence Vendor-04/29/2026 | Ready for Review-Document Uploaded. - Seller-05/06/2026 | Resolved-Requested updated title document with updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-05/07/2026 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/07/2026 |  |  | xxxxxx updated title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 857050 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-28 01:32 | 2026-05-04 05:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception page 364-365<br> Exception Reason: Min Subject Months Reserves- Loan File 2.69 months, GL Requirement Min 3 months<br> Client elects to waive with the following compensating factors.<br> - Due Diligence Vendor-04/28/2026 |  | Waived-Exception page 364-365<br> Exception Reason: Min Subject Months Reserves- Loan File 2.69 months, GL Requirement Min 3 months<br> Client elects to waive with the following compensating factors.<br> - Due Diligence Vendor-04/28/2026 | Residual Income is $9300.04. Minimum Residual Income required per guidelines is $1500. <br> 16.22% DTI is below the maximum 50% DTI by 33.78%.<br> Housing Payment History 0x30x12 months, GL requirement 1x120x12 months<br> Borrower has been employed at current job for 13 years. <br> Borrower has been employed in same career for 13 years.<br>| Residual Income is $9300.04. Minimum Residual Income required per guidelines is $1500. <br> 16.22% DTI is below the maximum 50% DTI by 33.78%.<br> Housing Payment History 0x30x12 months, GL requirement 1x120x12 months<br> Borrower has been employed at current job for 13 years. <br> Borrower has been employed in same career for 13 years.<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | Originator Pre-Close | Yes | xxxxxx |
| 857415 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-10 22:18 | 2026-02-13 03:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/13/2026 | Personal Guaranty with Full Recourse <br> 749 Representative credit score exceeds the minimum required of 700 by 49 points<br> $113,697.50 reserves exceed the minimum required of $7,027.04 exceeds the minimum by 30 months over the required minimum. | Personal Guaranty with Full Recourse <br> 749 Representative credit score exceeds the minimum required of 700 by 49 points<br> $113,697.50 reserves exceed the minimum required of $7,027.04 exceeds the minimum by 30 months over the required minimum. | Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 857415 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-11 00:03 | 2026-02-12 11:57 | Waived | 2 - Non-Material B | Credit | Credit | Tradeline minimum has not met guidelines | Waived-Exception page 482<br> Exception Reason- Min Tradelines - Loan File - 7 months & 33 months w/ activity; 32 months without activity; 12 months housing history, GL Requirement 3 > 12 months with activity in last 12 months<br> - Due Diligence Vendor-02/11/2026 |  | Waived-Exception page 482<br> Exception Reason- Min Tradelines - Loan File - 7 months & 33 months w/ activity; 32 months without activity; 12 months housing history, GL Requirement 3 > 12 months with activity in last 12 months<br> - Due Diligence Vendor-02/11/2026 | Credit Score - Loan File 749, GL Requirement Min 700<br> Reserves- Loan File 32.36 months. GL Requirement 2 months<br> Borrower Contribution 25% of sales price, GL Requirement 10% of sales price | Credit Score - Loan File 749, GL Requirement Min 700<br> Reserves- Loan File 32.36 months. GL Requirement 2 months<br> Borrower Contribution 25% of sales price, GL Requirement 10% of sales price |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 857432 | xxxxxx | D A | Closed | xxxxxx | 2026-03-13 08:08 | 2026-03-18 14:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested Credit report for B1 provided, updated & condition resolved. - Due Diligence Vendor-03/18/2026 <br> Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. - Seller-03/17/2026 <br> Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. - Seller-03/17/2026 | Resolved-Requested Credit report for B1 provided, updated & condition resolved. - Due Diligence Vendor-03/18/2026 <br> Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/18/2026 |  |  | Credit Report - 2-25.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 857679 | xxxxxx | C A | Closed | xxxxxx | 2026-04-16 06:09 | 2026-04-22 13:07 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Updated 1003 reflects B1 monthly income iao $4,890.46 - Due Diligence Vendor-04/22/2026 <br> Ready for Review-Document Uploaded. - Seller-04/22/2026 <br> Open-Calculated monthly income is $4,890.46; however, the Final 1003 reflects B1 Monthly Income iao $2,333.00. Provie updated 1003 with correct B1 income. - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. - Seller-04/22/2026 | Resolved-Updated 1003 reflects B1 monthly income iao $4,890.46 - Due Diligence Vendor-04/22/2026 |  |  | xxxxxx 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858128 | xxxxxx | D B C A | Closed | xxxxxx | 2026-02-13 08:41 | 2026-02-18 14:16 | Waived | 2 - Non-Material C B | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Waived-Exception in file. Unable to use cash proceeds, but able to use credit score & mortgage history for primary and subject investment. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. per pg 11 of 45 of the guidelines proceeds from a cash-out refinance transaction on subject properties are acceptable for reserves. Also VOM was provided for 2 mortgages, the longest reflecting 1x30x120. - Buyer-02/17/2026 <br> Counter-Comp factors insufficient (LTV & history do not meet minimum requirement). Unable to use proceeds for reserves. Provide additional assets to use as comp factor or provide revised documentation revising the qualifying UW decision per the GL. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/13/2026 <br> Open-Per the GL 7/30/2025 v19 page 18, the DSCR PITI calculation for IO is based on a 30 year amortization. The Income analysis on page 281, underwriting decision on page 295 and 1008 on page 444 calculate the DSCR of 0.432 based on the IO payment. Provide the revised documents with the DSCR based on the fully amortized payment per the GL. - Due Diligence Vendor-02/13/2026 |  | Waived-Exception in file. Unable to use cash proceeds, but able to use credit score & mortgage history for primary and subject investment. - Due Diligence Vendor-02/18/2026 | FICO 738 is 38 points greater than 700 score required.<br> 0x30 Primary mortgage history for 99 months. 0x30 subject investment mortgage history for 79 months.<br>| FICO 738 is 38 points greater than 700 score required.<br> 0x30 Primary mortgage history for 99 months. 0x30 subject investment mortgage history for 79 months.<br>| xxxxxx Exception DSCR Amortization.pdf<br> Exception Updated.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 858128 | xxxxxx | D B C A | Closed | xxxxxx | 2026-02-12 23:54 | 2026-02-17 03:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Prepayment penalty addendum to note provided. Resolved - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-02/13/2026 <br> Open-The Note is Incomplete Prepayment addendum missing from file. - Due Diligence Vendor-02/13/2026 |  | Resolved-Prepayment penalty addendum to note provided. Resolved - Due Diligence Vendor-02/17/2026 |  |  | xxxxxx Prepayment Addendum to Note.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858128 | xxxxxx | D B C A | Closed | xxxxxx | 2026-02-12 22:07 | 2026-02-17 02:34 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Unable to verify Housing history, provided Vom, changes made in system, Finding Resolved - Due Diligence Vendor-02/17/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. please see attached - Seller-02/13/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide VOR for recent 12 months rent housing history per GL requirement. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. please see attached - Seller-02/13/2026 | Resolved-Unable to verify Housing history, provided Vom, changes made in system, Finding Resolved - Due Diligence Vendor-02/17/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/17/2026 |  |  | vom.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858128 | xxxxxx | D B C A | Closed | xxxxxx | 2026-02-12 22:34 | 2026-02-17 02:34 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard insurance coverage is less than laon amount, provided RCE, changes made in system, Finding Resolved - Due Diligence Vendor-02/17/2026 <br> Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/14/2026 <br> Open-Hazard Insurance Coverage Amount of xxxxxx is less than Required Coverage Amount of xxxxxx and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of xxxxxx is less than required coverage Amount of xxxxxx. - Due Diligence Vendor-02/13/2026 |  | Resolved-Hazard insurance coverage is less than laon amount, provided RCE, changes made in system, Finding Resolved - Due Diligence Vendor-02/17/2026 <br> Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-02/17/2026 |  |  | EOI RCE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858360 | xxxxxx | D A | Closed | xxxxxx | 2026-03-13 09:34 | 2026-03-30 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Section 8 HAP Contract | Resolved-Received clarification on HAP contract. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-the HAP contract does not pertain to the lease agreement we use to qualify as it belongs to the tenant. Please clear as that was not factored into the qualifying of this mortgage. - Seller-03/27/2026 <br> Counter-xxxxxx, page 806 shows the HAP contract but does not have the full contract in the file. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-This is a cashout... can you please advise on the file you are referencing? - Seller-03/24/2026 <br> Open-Page 2-3 of the contract listed in the file, missing the rest of the pages. - Due Diligence Vendor-03/13/2026 | Ready for Review-the HAP contract does not pertain to the lease agreement we use to qualify as it belongs to the tenant. Please clear as that was not factored into the qualifying of this mortgage. - Seller-03/27/2026 <br> Ready for Review-This is a cashout... can you please advise on the file you are referencing? - Seller-03/24/2026 | Resolved-Received clarification on HAP contract. - Due Diligence Vendor-03/30/2026 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858360 | xxxxxx | D A | Closed | xxxxxx | 2026-03-13 08:37 | 2026-03-26 07:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received updated guidelines, LTV meets guidelines. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. Please see attached. They have a DSCR above 1.2. The higher LTV is allowed - Buyer-03/24/2026 <br> Open-Audited LTV Exceeds Guideline LTV Max LTV on a CC refi loan is 65%, loan LTV is at 70%. - Due Diligence Vendor-03/13/2026 |  | Resolved-Received updated guidelines, LTV meets guidelines. - Due Diligence Vendor-03/26/2026 |  |  | xxxxxx Jan 2026 (18).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858360 | xxxxxx | D A | Closed | xxxxxx | 2026-03-13 09:49 | 2026-03-24 08:51 | Resolved | 1 - Information C A | Credit | Credit | Deficient subject rental income documentation. | Resolved-Received deposits of rental income. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. see attached - Buyer-03/23/2026 <br> Open-Missing monthly deposits for xxxxxx. - Due Diligence Vendor-03/13/2026 |  | Resolved-Received deposits of rental income. - Due Diligence Vendor-03/24/2026 |  |  | RENTAL AGREEMENTS _ LEASES (5).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858360 | xxxxxx | D A | Closed | xxxxxx | 2026-03-13 08:24 | 2026-03-24 08:51 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Received COG. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-03/23/2026 <br> Open- Certificate of Good Standing missing from the file. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. see attached - Seller-03/23/2026 | Resolved-Received COG. - Due Diligence Vendor-03/24/2026 |  |  | COG.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 858919 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-19 22:07 | 2026-03-25 06:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client agrees to waive with the following compensating factors: - Due Diligence Vendor-03/25/2026 <br> Ready for Review- - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. - Seller-03/23/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. - Seller-03/23/2026 | Waived-Client agrees to waive with the following compensating factors: - Due Diligence Vendor-03/25/2026 | $82,130 reserves exceed the minimum required of $11,614 exceeds the minimum by 8 months over the required minimum.<br> Investor has 9 years of experience with investment properties.  | $82,130 reserves exceed the minimum required of $11,614 exceeds the minimum by 8 months over the required minimum.<br> Investor has 9 years of experience with investment properties.  | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 859133 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 859260 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 859308 | xxxxxx | D A | Closed | xxxxxx | 2026-02-17 23:18 | 2026-02-24 06:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Loan is cash-out refinance, Loan amount is under xxxxxx and qualifying FICO score is 771 and the Guideline LTV is 75%, Audited LTV of 75% is less than or equal to Guideline LTV of 75%, Verified - Resolved - Due Diligence Vendor-02/24/2026 <br> Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. - Seller-02/24/2026 <br> Open-Audited LTV Exceeds Guideline LTV Audited LTV is within Guideline LTV. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/24/2026 | Resolved-Loan is cash-out refinance, Loan amount is under xxxxxx and qualifying FICO score is 771 and the Guideline LTV is 75%, Audited LTV of 75% is less than or equal to Guideline LTV of 75%, Verified - Resolved - Due Diligence Vendor-02/24/2026 <br> Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-02/24/2026 |  |  | xxxxxx LOE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859308 | xxxxxx | D A | Closed | xxxxxx | 2026-02-17 22:55 | 2026-02-24 06:38 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-02/24/2026 <br> Resolved-Replacement Cost Estimator uploaded, Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx, Verified - Resolved - Due Diligence Vendor-02/24/2026 <br> Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. - Seller-02/24/2026 <br> Open-Hazard Insurance Coverage Amount of xxxxxx is less than Required Coverage Amount of xxxxxx and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of xxxxxx is less than Required Coverage Amount of xxxxxx. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/24/2026 | Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-02/24/2026 <br> Resolved-Replacement Cost Estimator uploaded, Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx, Verified - Resolved - Due Diligence Vendor-02/24/2026 <br> Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-02/24/2026 |  |  | RCE xxxxxx xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859308 | xxxxxx | D A | Closed | xxxxxx | 2026-02-17 22:11 | 2026-02-24 00:16 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Supplemental Report uploaded, Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-02/24/2026 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. - Seller-02/23/2026 <br> Open-Title Coverage Amount of xxxxxx is Less than Loan Amount. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026 | Resolved-Title Supplemental Report uploaded, Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-02/24/2026 <br> Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-02/24/2026 |  |  | Proposed Insured & Loan Supplemental.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 859308 | xxxxxx | D A | Closed | xxxxxx | 2026-02-17 23:03 | 2026-02-24 00:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - 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. - Seller-02/24/2026 <br> Open-Missing Third Party Fraud Report in file. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/24/2026 | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-02/24/2026 <br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/24/2026 |  |  | DRIVEReport.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 860171 | xxxxxx | D A | Closed | xxxxxx | 2026-05-15 08:22 | 2026-05-18 03:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Closing disclosures (CD) dated xxxxxx and xxxxxx with corresponding change of circumstances (COC) provided, resolved. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. xxxxxx was for closing docs. - Seller-05/15/2026 <br> Open-TRID: Missing Closing Disclosure Missing closing disclosures (CD) dated xxxxxx and xxxxxx with corresponding change of circumstances (COC) if applicable. - Due Diligence Vendor-05/15/2026 | Ready for Review-Document Uploaded. xxxxxx was for closing docs. - Seller-05/15/2026 | Resolved-Closing disclosures (CD) dated xxxxxx and xxxxxx with corresponding change of circumstances (COC) provided, resolved. - Due Diligence Vendor-05/18/2026 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860171 | xxxxxx | D A | Closed | xxxxxx | 2026-05-12 01:40 | 2026-05-18 03:33 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Change of circumstance (COC) for broker fee that increased from $3,900 to $3,960 provided, resolved. - Due Diligence Vendor-05/18/2026 <br> Resolved-Resolved - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. Loan amount increase. - Seller-05/15/2026 <br> Open- - Due Diligence Vendor-05/15/2026 <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: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing change of circumstance (COC) for broker fee that increased from $3,900 to $3,960. - Due Diligence Vendor-05/12/2026 <br> Open- - Due Diligence Vendor-05/12/2026 | Ready for Review-Document Uploaded. Loan amount increase. - Seller-05/15/2026 | Resolved-Change of circumstance (COC) for broker fee that increased from $3,900 to $3,960 provided, resolved. - Due Diligence Vendor-05/18/2026 <br> Resolved-Resolved - Due Diligence Vendor-05/18/2026 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 860183 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-09 14:07 | 2026-04-15 05:25 | Cured | 2 - Non-Material C B | Compliance | xxxxxx | xxxxxx Fee Not Allowed- Document Storage/Archive/Copies (Fee ID: 998) | Cured-PCCD received with a copy of the check, LOE, and proof of delivery. - Due Diligence Vendor-04/15/2026 <br> Resolved- - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Cure attached. - Seller-04/14/2026 <br> Open- - Due Diligence Vendor-04/13/2026 <br> Open-May be cured if the client refunds the fee violation and provides xxxxxx a copy of the check, PCCD, LOE, and proof of delivery.<br> - Due Diligence Vendor-04/10/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <br> Open-Section 3:1-16.2 of the xxxxxx Mortgage Loans, Fees, Obligations Provisions (xxxxxx 3:1-16.2) does not allow Document Storage/Archive/Copies (Fee ID: 998) to be charged to the Borrower in xxxxxx. - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. Cure attached. - Seller-04/14/2026 | Cured-PCCD received with a copy of the check, LOE, and proof of delivery. - Due Diligence Vendor-04/15/2026 |  |  | xxxxxx - xxxxxx.pdf<br> LOX - xxxxxx.pdf<br> Check - xxxxxx.pdf<br> PCCD - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860183 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-08 06:08 | 2026-04-13 13:12 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved- Revised CD dated xxxxxx and related COC's received. - Due Diligence Vendor-04/13/2026 <br> Resolved- - Due Diligence Vendor-04/13/2026 <br> Resolved- - Due Diligence Vendor-04/13/2026 <br> Ready for Review-See CD condition. - Seller-04/13/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <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: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for the Points - Loan Discount Fee - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/08/2026 | Ready for Review-See CD condition. - Seller-04/13/2026 | Resolved- Revised CD dated xxxxxx and related COC's received. - Due Diligence Vendor-04/13/2026 <br> Resolved- - Due Diligence Vendor-04/13/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860183 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-09 14:30 | 2026-04-13 13:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- Revised CD dated xxxxxx and related COC's received. - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC's - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026 | Resolved- Revised CD dated xxxxxx and related COC's received. - Due Diligence Vendor-04/13/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 860476 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 860971 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-01 23:51 | 2026-03-05 05:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/05/2026 | Person Guaranty with Full Recourse<br> 770 Representative credit score exceeds the minimum required of 700 by 70 points<br> DSCR ratio of 1.88 exceeds the minimum requirement of 1 by 0.88 points. | Person Guaranty with Full Recourse<br> 770 Representative credit score exceeds the minimum required of 700 by 70 points<br> DSCR ratio of 1.88 exceeds the minimum requirement of 1 by 0.88 points. | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 860976 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861034 | xxxxxx | D A | Closed | xxxxxx | 2026-04-13 08:21 | 2026-04-14 08:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD's dated xxxxxx and related COC's received. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. xxxxxx was closing docs. - Seller-04/13/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD's dated xxxxxx and related COC's - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. xxxxxx was closing docs. - Seller-04/13/2026 | Resolved-Revised CD's dated xxxxxx and related COC's received. - Due Diligence Vendor-04/14/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861034 | xxxxxx | D A | Closed | xxxxxx | 2026-04-09 05:56 | 2026-04-14 08:28 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Loan Estimate Disclosures do not capture cents. Credit Report Fee increased $0.42 from Initial LE to Final CD which is within $1.00 tolerance. - Due Diligence Vendor-04/14/2026 <br> Open- - Due Diligence Vendor-04/14/2026 <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: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-04/14/2026 <br> Open- - Due Diligence Vendor-04/14/2026 <br> Ready for Review-See CD condition. - Seller-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 <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: Credit Report Fee, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Loan Discount Fee iao $843.75 was added to the Final CD. Provide COC. - Due Diligence Vendor-04/09/2026 <br> Open- - Due Diligence Vendor-04/09/2026 | Ready for Review-See CD condition. - Seller-04/13/2026 | Resolved-Loan Estimate Disclosures do not capture cents. Credit Report Fee increased $0.42 from Initial LE to Final CD which is within $1.00 tolerance. - Due Diligence Vendor-04/14/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861047 | xxxxxx | D A | Closed | xxxxxx | 2026-04-15 11:12 | 2026-04-17 06:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE dated xxxxxx and related COC received - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. - Seller-04/16/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised LE dated xxxxxx and related COC. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. - Seller-04/16/2026 | Resolved-Revised LE dated xxxxxx and related COC received - Due Diligence Vendor-04/17/2026 |  |  | xxxxxx LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 861052 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861053 | xxxxxx | B A | Closed | xxxxxx | 2026-02-19 12:46 | 2026-02-20 05:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page 207 <br> Exception Reason: OTHER - Loan File OFAC Sanctioned Country<br> Borrower is a PRA from an OFAC sanctioned country. His name is clear on OFAC watch list<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/20/2026 |  | Waived-Loan does not conform to program guidelines Exception page 207 <br> Exception Reason: OTHER - Loan File OFAC Sanctioned Country<br> Borrower is a PRA from an OFAC sanctioned country. His name is clear on OFAC watch list<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/20/2026 | 727 Representing scores exceeds the minimum required of 700 by 27 points.<br> Reserves- Loan File 34.21 months, GL Requirement Minimum 2 months<br> Housing Payment History- Loan File 0x30x12 months, GL Requirement 1x30x12 months | 727 Representing scores exceeds the minimum required of 700 by 27 points.<br> Reserves- Loan File 34.21 months, GL Requirement Minimum 2 months<br> Housing Payment History- Loan File 0x30x12 months, GL Requirement 1x30x12 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 861055 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-24 10:06 | 2026-03-25 05:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/25/2026 <br> Waived-Loan does not conform to program guidelines Exception page 351, <br> Exception Reason: OTHER- Loan File Borrower is from xxxxxx, a sanctioned country. Borrower himself is not on the OFAC List, - Due Diligence Vendor-03/24/2026 |  | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/25/2026 <br> Waived-Loan does not conform to program guidelines Exception page 351, <br> Exception Reason: OTHER- Loan File Borrower is from xxxxxx, a sanctioned country. Borrower himself is not on the OFAC List, - Due Diligence Vendor-03/24/2026 | 17.26 months reserves exceed the minimum required of 2 months and exceeds the minimum by 15 months over the required minimum.<br> Housing payment history is 0x30x46 months. GL requirements 1x30x12 Months<br> Borrower Contribution >5% above min- Loan File 25%, GL Requirement 10% of sales price<br> Fair Value/ Loss of Use- Loan File xxxxxx, GL Requirement not required | 17.26 months reserves exceed the minimum required of 2 months and exceeds the minimum by 15 months over the required minimum.<br> Housing payment history is 0x30x46 months. GL requirements 1x30x12 Months<br> Borrower Contribution >5% above min- Loan File 25%, GL Requirement 10% of sales price<br> Fair Value/ Loss of Use- Loan File xxxxxx, GL Requirement not required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 861055 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-20 03:59 | 2026-03-25 05:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. - Seller-03/24/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception<br> - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. - Seller-03/24/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/25/2026 | Personal Guaranty with Full Recourse <br> 17.26 months reserves exceed the minimum required of 2 months and exceeds the minimum by 15 months over the required minimum.<br> Housing payment history is 0x30x46 months. GL requirements 1x30x12 Months<br> Fair Value/ Loss of Use- Loan File xxxxxx, GL Requirement not required | Personal Guaranty with Full Recourse <br> 17.26 months reserves exceed the minimum required of 2 months and exceeds the minimum by 15 months over the required minimum.<br> Housing payment history is 0x30x46 months. GL requirements 1x30x12 Months<br> Fair Value/ Loss of Use- Loan File xxxxxx, GL Requirement not required | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 861056 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-19 23:21 | 2026-02-26 04:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. - Seller-02/25/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-02/26/2026 | Personal Guaranty with Full Recourse <br> Reserves- Loan File 59.99 months, GL Requirement min 2 months<br> Credit Score- Loan File 762, GL Requirement Min 700<br> DSCR- Loan File 1.661, GL Requirement Min 1.0<br> LTV- Loan File 48.39%, GL Requirment Max 80% | Personal Guaranty with Full Recourse <br> Reserves- Loan File 59.99 months, GL Requirement min 2 months<br> Credit Score- Loan File 762, GL Requirement Min 700<br> DSCR- Loan File 1.661, GL Requirement Min 1.0<br> LTV- Loan File 48.39%, GL Requirment Max 80% | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 861057 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-23 21:23 | 2026-03-25 13:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. - Seller-03/25/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. - Seller-03/25/2026 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-03/25/2026 | Personal Guaranty with Full Recourse<br> DSCR ratio of 1.535 exceeds the minimum requirement of 1 by 0.535 points.<br> 39.58% LTV is below the maximum 80% LTV by 40.42%.<br>| Personal Guaranty with Full Recourse<br> DSCR ratio of 1.535 exceeds the minimum requirement of 1 by 0.535 points.<br> 39.58% LTV is below the maximum 80% LTV by 40.42%.<br>| xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 861057 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-24 23:07 | 2026-03-25 13:23 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Policy with Title Coverage iao xxxxxx received. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. - Seller-03/25/2026 <br> Open-Title coverage amount is xxxxxx is less than loan amount is xxxxxx . Provide updated Title Policy - Due Diligence Vendor-03/25/2026 | Ready for Review-Document Uploaded. - Seller-03/25/2026 | Resolved-Title Policy with Title Coverage iao xxxxxx received. - Due Diligence Vendor-03/25/2026 |  |  | xxxxxx Title.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861057 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-23 23:22 | 2026-03-25 13:21 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Loan Approval received - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. - Seller-03/25/2026 <br> Open-Provide Loan Approval - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. - Seller-03/25/2026 | Resolved-Loan Approval received - Due Diligence Vendor-03/25/2026 |  |  | xxxxxx UW docs.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861057 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-23 21:23 | 2026-03-25 08:09 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | xxxxxx Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Lender chooses to acknowledge as immaterial. - Due Diligence Vendor-03/24/2026 |  | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Lender chooses to acknowledge as immaterial. - Due Diligence Vendor-03/24/2026 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 861059 | xxxxxx | C B A | Closed | xxxxxx | 2026-02-25 01:38 | 2026-03-02 07:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-03/02/2026 <br> Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-03/02/2026 <br> Ready for Review- - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. - Seller-02/27/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-03/02/2026 <br> Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-03/02/2026 | Personal Guaranty with Full Recourse <br> DSCR - Loan File 1.328, GL Requirement Min 1.0<br> 56.69% LTV is below the maximum 75% LTV by 18.31%.<br> 760 Representative credit score exceeds the minimum required of 700 by 60 points | Personal Guaranty with Full Recourse <br> DSCR - Loan File 1.328, GL Requirement Min 1.0<br> 56.69% LTV is below the maximum 75% LTV by 18.31%.<br> 760 Representative credit score exceeds the minimum required of 700 by 60 points | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 861060 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861061 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-26 22:44 | 2026-03-01 23:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Condition not required as this is xxxxxx, taxes are matching with xxxxxx method, updated & condition resolved. - Due Diligence Vendor-03/02/2026 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. xxxxxx so .015 x purchase price was used. xxxxxx. - Seller-02/27/2026 <br> Open-Property Tax Report missing in the file - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. xxxxxx so .015 x purchase price was used. xxxxxx. - Seller-02/27/2026 | Resolved-Condition not required as this is xxxxxx, taxes are matching with xxxxxx method, updated & condition resolved. - Due Diligence Vendor-03/02/2026 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-03/02/2026 |  |  | Tax Bill.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861061 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-26 00:42 | 2026-02-27 02:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/27/2026 <br> Ready for Review- - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/26/2026 <br> Open-Guidelines do not allow entity to sign note Borrower signed note for a business entity. Per guidelines borrower must sign as an individual. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-02/26/2026 | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/27/2026 | 807 Representative credit score exceeds the minimum required of 700 by 107 points<br> $25,376.51 reserves exceed the minimum required of $3,607.18 exceeds the minimum by 12.07 months over the required minimum.<br> Personal guaranty signed by borrower. | 807 Representative credit score exceeds the minimum required of 700 by 107 points<br> $25,376.51 reserves exceed the minimum required of $3,607.18 exceeds the minimum by 12.07 months over the required minimum.<br> Personal guaranty signed by borrower. | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 861062 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-10 06:14 | 2026-03-11 04:02 | Resolved | 1 - Information C A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Master HOI policy received. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Open-Provide Master Insurance Insurance Policy - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/10/2026 | Resolved-Master HOI policy received. - Due Diligence Vendor-03/11/2026 |  |  | Master policy.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861062 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-10 05:53 | 2026-03-10 05:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements Exception page 525.<br> Exception Reason: DSCR Primary Housing Expense- Loan File Borrower lives rent free.<br> Borrower lives rent free with fiancee who owns the property<br> - Due Diligence Vendor-03/10/2026 |  | Waived-Housing History Does Not Meet Guideline Requirements Exception page 525.<br> Exception Reason: DSCR Primary Housing Expense- Loan File Borrower lives rent free.<br> Borrower lives rent free with fiancee who owns the property<br> - Due Diligence Vendor-03/10/2026 | Credit Score- Loan File 727, GL Requirement Min 700<br> Borrower Contribution >5% above min- Loan File 20%, GL Requirement 10% of sales price<br> Tradelines exceed min- Loan File 14 acceptable tradelines, GL Requirement 3 credit scores No minimum tradelines required<br> Housing Payment History - Loan File 0x30x54, 0x30x27, GL Requirement 1x30x12 | Credit Score- Loan File 727, GL Requirement Min 700<br> Borrower Contribution >5% above min- Loan File 20%, GL Requirement 10% of sales price<br> Tradelines exceed min- Loan File 14 acceptable tradelines, GL Requirement 3 credit scores No minimum tradelines required<br> Housing Payment History - Loan File 0x30x54, 0x30x27, GL Requirement 1x30x12 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 861063 | xxxxxx | C B A | Closed | xxxxxx | 2026-03-17 00:47 | 2026-03-23 04:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. - Seller-03/20/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. - Seller-03/20/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/23/2026 | Personal Guaranty with Full Recourse<br> 721 Representative credit score exceeds the minimum required of 700 by 21 points<br> Loss of Rents/Fair Rental Value $30,700. GL requirements not required<br> Housing history 0x30x12. GL requirements 1x30x12<br>| Personal Guaranty with Full Recourse<br> 721 Representative credit score exceeds the minimum required of 700 by 21 points<br> Loss of Rents/Fair Rental Value $30,700. GL requirements not required<br> Housing history 0x30x12. GL requirements 1x30x12<br>| xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 861064 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-26 00:24 | 2026-02-27 02:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested fraud report provided, updated & condition resolved. - Due Diligence Vendor-02/27/2026 <br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/26/2026 <br> Open-Missing Third Party Fraud Report Fraud report is missing in the file. Provide fraud report - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-02/26/2026 | Resolved-Requested fraud report provided, updated & condition resolved. - Due Diligence Vendor-02/27/2026 <br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/27/2026 |  |  | xxxxxx Fraud.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861064 | xxxxxx | D B A | Closed | xxxxxx | 2026-02-26 00:10 | 2026-02-27 02:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/27/2026 <br> Ready for Review- - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/26/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines will not allow entity to sign note. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-02/26/2026 | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-02/27/2026 | 797 Representative credit score exceeds the minimum required of 700 by 97 points<br> $307,904.31 reserves exceed the minimum required of $7,994.4 exceeds the minimum by 75.03 months over the required minimum.<br> Borrower signed a personal guaranty. | 797 Representative credit score exceeds the minimum required of 700 by 97 points<br> $307,904.31 reserves exceed the minimum required of $7,994.4 exceeds the minimum by 75.03 months over the required minimum.<br> Borrower signed a personal guaranty. | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 861065 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861066 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861067 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 861219 | xxxxxx | C A | Closed | xxxxxx | 2026-03-22 23:17 | 2026-04-13 06:01 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Correct HUd-1 provided. - Due Diligence Vendor-04/13/2026 <br> Ready for Review-Document Uploaded. Revised HUD attached. - Seller-04/10/2026 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment Penalty Calculation as per note is $4,125 where as HUD is showing as $1,500.00 . Calculated prepayment penalty is more than the final docs. - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. Revised HUD attached. - Seller-04/10/2026 | Resolved-Correct HUd-1 provided. - Due Diligence Vendor-04/13/2026 |  |  | HUD-1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861382 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-01 08:32 | 2026-04-03 05:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Identification Documentation Missing | Resolved-Borrower's Citizenship has been received. Borrower is from xxxxxx. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open-1003 Section 8 nor the borrower's ID reflects the country that the borrower is FROM. Provide supporting documentation as to what country the borrower is "FROM" as per OFAC requirements or provide exception - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026 | Resolved-Borrower's Citizenship has been received. Borrower is from xxxxxx. - Due Diligence Vendor-04/03/2026 | DSCR ratio of 1.493 exceeds the minimum requirement of 1 by 0.493 points.<br> 67.21 reserves exceed the minimum required 2 months and exceeds the minimum by 65.21 months over the required minimum.<br> 776 Representative credit score exceeds the minimum required of 700 by 76 points<br>| DSCR ratio of 1.493 exceeds the minimum requirement of 1 by 0.493 points.<br> 67.21 reserves exceed the minimum required 2 months and exceeds the minimum by 65.21 months over the required minimum.<br> 776 Representative credit score exceeds the minimum required of 700 by 76 points<br>| xxxxxx Country of Origin.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 861382 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-30 00:24 | 2026-04-03 05:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-04/03/2026 | Personal Guaranty with Full Recourse <br> DSCR ratio of 1.493 exceeds the minimum requirement of 1 by 0.493 points.<br> 67.21 reserves exceed the minimum required 2 months and exceeds the minimum by 65.21 months over the required minimum.<br> 776 Representative credit score exceeds the minimum required of 700 by 76 points<br>| Personal Guaranty with Full Recourse <br> DSCR ratio of 1.493 exceeds the minimum requirement of 1 by 0.493 points.<br> 67.21 reserves exceed the minimum required 2 months and exceeds the minimum by 65.21 months over the required minimum.<br> 776 Representative credit score exceeds the minimum required of 700 by 76 points<br>| xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 861586 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861730 | xxxxxx | D A | Closed | xxxxxx | 2026-03-27 03:21 | 2026-04-01 03:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. cleared alerts - Seller-04/01/2026 <br> Open-Provide Third Party Fraud report as it is missing from the file - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. cleared alerts - Seller-04/01/2026 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-04/01/2026 |  |  | Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 861796 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-05 14:47 | 2026-05-05 09:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-05/05/2026 <br> Resolved-Received CPA letter confirming 2 year employment. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. see attached - Buyer-03/31/2026 <br> Open-Borrower 1 CPA Letter Missing CPA/Tax preparer letter verifying 2-year employment history with the current 1099 employer missing from the file. - Due Diligence Vendor-03/05/2026 |  | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-05/05/2026 <br> Resolved-Received CPA letter confirming 2 year employment. - Due Diligence Vendor-04/01/2026 |  |  | YTD CPA.pdf<br> CPA Letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861796 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-27 11:50 | 2026-04-27 08:24 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Cured- - Due Diligence Vendor-04/27/2026 <br> Cured-Received updated PCCD, LOX, and copy of the check for the tolerance cure. - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. copy of check attached - Buyer-04/08/2026 <br> Counter-Missing copy of the check. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. - Seller-04/06/2026 <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 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)). Appraisal review fee added on the revised loan estimate, change of circumstance provided alongside revised loan estimate does not show change for the added fee. - Due Diligence Vendor-03/27/2026 <br> Open- - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. - Seller-04/06/2026 | Cured-Received updated PCCD, LOX, and copy of the check for the tolerance cure. - Due Diligence Vendor-04/09/2026 |  |  | xxxxxx CD.pdf<br> xxxxxx LOE.pdf<br> 2026-04-06T22_33_00-xxxxxx-Shipping-Label.pdf<br> copy of check.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861796 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-05 15:22 | 2026-04-24 13:17 | Resolved | 1 - Information C A | Compliance | xxxxxx | License: Loan Originator | Resolved-Lender provided corrected executed copy of Note. Condition resolved. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/24/2026 <br> Counter-Lender provided executed copy of Mortgage with corrected NMLS ID for the originator and an executed Note with the incorrect NMLS ID for the originator. Missing executed copy of Note with corrected NMLS ID. Condition unresolved. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. - Seller-04/22/2026 <br> Counter-Missing signed Note from the upload. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. - Seller-04/20/2026 <br> Counter-Received un-executed corrected Note and DOT. Missing executed documentation. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/15/2026 <br> Counter-Lender provided updated 1003 for the incorrect NMLS number. The Note and Mortgage state the incorrect NMLS number, missing updated Note and Mortgage. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-04/01/2026 <br> Open-NMLS number for the Loan Originator does not match what is listed on the NMLS website. - Due Diligence Vendor-03/05/2026 | Lender uploaded corrected Note. - 04/24/2026 <br>Ready for Review-Document Uploaded. - Seller-04/22/2026 <br> Ready for Review-Document Uploaded. - Seller-04/20/2026 | Resolved-Lender provided corrected executed copy of Note. Condition resolved. - Due Diligence Vendor-04/24/2026 |  |  | _1003_19_pdf - 2026-04-01T105349.174.pdf<br> xxxxxx-Corrected Note and DOT.pdf<br> CORRECTIVE MORTGAGE-Mortgage No Tax.pdf<br> Note.pdf<br> doc xxxxxx.pdf<br> xxxxxx_Corrected Note doc xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861796 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-05 14:47 | 2026-04-02 15:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received clarification on bank statement for requirement of 60 days bank satements. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. Account xxxxxx is not a retirement account, it's an investment account held by the borrower; in his name only. It just so happens it's through the employer as they are an investment firm. These are actual statements with all the required info present. You can see the deposit on 10/17/25 for $83,496.80 on the transaction history from xxxxxx and even listed as commission. This along with the letter to document the full YTD income should be sufficient to clear. - Buyer-04/01/2026 <br> Counter-Please clarify guideline requirement on proof of receipt of income, guidelines state either 60 day paystubs or bank statements are required for verification, received YTD CPA letter. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. see attached - Buyer-03/31/2026 <br> Open-Proof of receipt of income is required in the form of the most recent 60-days of paystubs or bank statements. Proof of receipt must reflect YTD income paid to the borrower or their sole proprietor's business. - Due Diligence Vendor-03/05/2026 |  | Resolved-Received clarification on bank statement for requirement of 60 days bank satements. - Due Diligence Vendor-04/02/2026 |  |  | YTD CPA.pdf<br> BANK STATEMENTS - ASSETS (30).pdf<br> BANK STATEMENTS - ASSETS (31)OCT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861796 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-05 05:44 | 2026-04-02 14:52 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Received intent to proceed. - Due Diligence Vendor-04/02/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/02/2026 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to Proceed document missing from file. - Due Diligence Vendor-03/05/2026 |  | Resolved-Received intent to proceed. - Due Diligence Vendor-04/02/2026 |  |  | Signed IOP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861796 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-05 01:11 | 2026-03-27 11:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received initial loan estimate. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/26/2026 <br> Counter-Received revised Loan Estimate, missing initial Loan Estimate. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-03/25/2026 <br> Open-Initial LE is missing from the file, requirement LE to run the xxxxxx. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. see attached - Seller-03/25/2026 | Resolved-Received initial loan estimate. - Due Diligence Vendor-03/27/2026 |  |  | LE xxxxxx.pdf<br> LE xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861796 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-05 12:54 | 2026-03-27 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-03/26/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing GAP credit report. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. see attached - Seller-03/26/2026 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/27/2026 |  |  | LQI REPORT_ (17).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861796 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-04 21:24 | 2026-03-26 07:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. see attached - Buyer-03/24/2026 <br> Open-The Final 1003 is Incomplete Unable to determine the ULI number on the provided Final 1003 due to blurriness. Please provide a clear Final 1003. - Due Diligence Vendor-03/05/2026 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/26/2026 |  |  | Initial 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861796 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-04 21:24 | 2026-03-26 07:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/26/2026 <br> Resolved-Initial 1003 provided. Resolved - Due Diligence Vendor-03/25/2026 <br> Ready for Review-see attached - Buyer-03/25/2026 <br> Open-The Initial 1003 is Missing Initial 1003 is missing from file. - Due Diligence Vendor-03/05/2026 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/26/2026 <br> Resolved-Initial 1003 provided. Resolved - Due Diligence Vendor-03/25/2026 |  |  | Initial 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861796 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-05 01:08 | 2026-03-25 00:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. - Seller-03/25/2026 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing from file, required Initial CD to run the xxxxxx. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-03/25/2026 | Resolved-Initial CD provided. Resolved<br> - Due Diligence Vendor-03/25/2026 |  |  | initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861796 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-04 23:30 | 2026-03-25 00:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate lock confirmation doc provided. Resolved - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-03/24/2026 <br> Open-Evidence of Rate Lock Missing Evidence of Rate Lock is missing from file. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. see attached - Seller-03/24/2026 | Resolved-Rate lock confirmation doc provided. Resolved - Due Diligence Vendor-03/25/2026 |  |  | LOCK CONFIRMATION_ (10).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 861796 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-05 05:43 | 2026-03-25 00:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-03/25/2026 <br> Open-Home toolkit disclosure missing from the file. - Due Diligence Vendor-03/05/2026 |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-03/25/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 862003 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 862118 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-03 08:07 | 2026-04-08 09:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-04/08/2026 <br> Waived-Loan does not conform to program guidelines Exception page 277<br> Exception Reason - Subject Property- Loan File xxxxxx acres, GL Requirement Max 2 acres<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/03/2026 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-04/08/2026 <br> Waived-Loan does not conform to program guidelines Exception page 277<br> Exception Reason - Subject Property- Loan File xxxxxx acres, GL Requirement Max 2 acres<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/03/2026 | 722 Representative credit score exceeds the minimum required of 700 by 22 points<br> Borrower Contribution >5% above min- Loan File 25% of Sales Price, GL Requirement 10% Sales Price<br> Housing Payment History - Loan File 0x30x15 months, GL Requirement 1x30x12 months<br>| 722 Representative credit score exceeds the minimum required of 700 by 22 points<br> Borrower Contribution >5% above min- Loan File 25% of Sales Price, GL Requirement 10% Sales Price<br> Housing Payment History - Loan File 0x30x15 months, GL Requirement 1x30x12 months<br>|  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 862118 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-03 07:35 | 2026-04-06 04:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Borrower's Country of Origin received. xxxxxx. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/03/2026 <br> Open-1003 nor the borrower's ID reflects the country that the borrower is FROM. Provide supporting documentation as to what country the borrower is "FROM" as per OFAC requirements. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. - Seller-04/03/2026 | Resolved-Borrower's Country of Origin received. xxxxxx. - Due Diligence Vendor-04/06/2026 |  |  | xxxxxx Origin.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862206 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-19 05:45 | 2026-04-15 12:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. - Seller-03/24/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-03/19/2026 | Ready for Review-Document Uploaded. - Seller-03/24/2026 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-03/24/2026 | Loan file DSCR 1.671. GL requirements minimum 1.0<br> 59.43% LTV is below the maximum 70% LTV by 10.57%<br> Personal Guaranty with full recourse | Loan file DSCR 1.671. GL requirements minimum 1.0<br> 59.43% LTV is below the maximum 70% LTV by 10.57%<br> Personal Guaranty with full recourse | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 862206 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-23 13:42 | 2026-04-08 09:38 | Waived | 2 - Non-Material B | Property | Property | Property Type does not meet eligibility requirement(s) | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-04/08/2026 <br> Waived-Exception page 275<br> Exception Reason- Subject Property- Loan File Main structure is xxxxxx-unit & 2nd structure appraiser called a xxxxxx is effectively an ADU, GL Requirement ADUs are not eligible with a 2-4 unit dwellings.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/23/2026 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-04/08/2026 <br> Waived-Exception page 275<br> Exception Reason- Subject Property- Loan File Main structure is xxxxxx-unit & 2nd structure appraiser called a xxxxxx is effectively an ADU, GL Requirement ADUs are not eligible with a 2-4 unit dwellings.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-03/23/2026 | Loan file DSCR 1.671. GL requirements minimum 1.0<br> 59.43% LTV is below the maximum 70% LTV by 10.57%.<br> Housing Payment History - Loan File 0x60x44 months, GL Requirement 0x60x12 months<br> Investor Experience- Experienced Investor | Loan file DSCR 1.671. GL requirements minimum 1.0<br> 59.43% LTV is below the maximum 70% LTV by 10.57%.<br> Housing Payment History - Loan File 0x60x44 months, GL Requirement 0x60x12 months<br> Investor Experience- Experienced Investor |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 862206 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-20 02:21 | 2026-04-03 05:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Requested Guaranty Agreement provided, Updated & Condition Resolved - Due Diligence Vendor-04/03/2026 <br> Resolved-Validation Resolved' - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement Doc is Missing in file - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026 | Resolved-Requested Guaranty Agreement provided, Updated & Condition Resolved - Due Diligence Vendor-04/03/2026 <br> Resolved-Validation Resolved' - Due Diligence Vendor-04/03/2026 |  |  | xxxxxx Guaranty.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862206 | xxxxxx | D B A | Closed | xxxxxx | 2026-03-23 13:34 | 2026-03-24 14:35 | Resolved | 1 - Information C A | Credit | Credit | Missing subject rental income documentation | Resolved- DSCR Worksheet and Loan Approval received. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. - Seller-03/24/2026 <br> Open-Provide DSCR Worksheet and Loan Approval - Due Diligence Vendor-03/23/2026 | Ready for Review-Document Uploaded. - Seller-03/24/2026 | Resolved- DSCR Worksheet and Loan Approval received. - Due Diligence Vendor-03/24/2026 |  |  | Underwriter docs.pdf<br> DSCR Docs.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 862312 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-23 14:21 | 2026-04-27 10:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-CD's xxxxxx with corresponding COC's provided. Resolved. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. xxxxxx was for closing docs. - Seller-04/24/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD's dated xxxxxx, (2) xxxxxx and related COC's - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. xxxxxx was for closing docs. - Seller-04/24/2026 | Resolved-CD's xxxxxx with corresponding COC's provided. Resolved. - Due Diligence Vendor-04/27/2026 |  |  | xxxxxx CC xxxxxx.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC xxxxxx.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 862312 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-23 14:07 | 2026-04-27 10:03 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. - Seller-04/24/2026 <br> Open-Title Coverage Amount of xxxxxx is Less than Loan Amount Provide Title Policy with Title Coverage iao xxxxxx - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. - Seller-04/24/2026 | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/27/2026 |  |  | xxxxxx Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 862320 | xxxxxx | A | Closed | xxxxxx | 2026-04-16 04:09 | 2026-04-22 12:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (7.971%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (5.98%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 546, and the Final Closing disclosure on Pg#'s 245, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 572. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 662-663, and confirmation the appraisal was delivered to the borrower – see Pg#'s 339. The loan meets HPML guidelines. - Due Diligence Vendor-04/16/2026 <br> Open- - Due Diligence Vendor-04/22/2026 <br> Open- - Due Diligence Vendor-04/16/2026 |  | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (7.971%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (5.98%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 546, and the Final Closing disclosure on Pg#'s 245, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 572. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 662-663, and confirmation the appraisal was delivered to the borrower – see Pg#'s 339. The loan meets HPML guidelines. - Due Diligence Vendor-04/16/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862320 | xxxxxx | A | Closed | xxxxxx | 2026-04-16 04:09 | 2026-04-22 12:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.971%) APR equals or exceeds the Federal HPML threshold of (7.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (5.98%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 546, and the Final Closing disclosure on Pg#'s 245, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 572. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 662-663, and confirmation the appraisal was delivered to the borrower – see Pg#'s 339. The loan meets HPML guidelines. - Due Diligence Vendor-04/16/2026 <br> Open- - Due Diligence Vendor-04/22/2026 <br> Open- - Due Diligence Vendor-04/16/2026 |  | Resolved-The loan's (7.971%) APR equals or exceeds the Federal HPML threshold of (7.48%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (5.98%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 546, and the Final Closing disclosure on Pg#'s 245, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 572. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 662-663, and confirmation the appraisal was delivered to the borrower – see Pg#'s 339. The loan meets HPML guidelines. - Due Diligence Vendor-04/16/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862345 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 862469 | xxxxxx | D A | Closed | xxxxxx | 2026-04-12 23:07 | 2026-04-23 05:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower current wage earner xxxxxx employed from xxxxxx. Hence 2025 W-2 was already in file. Previously borrower was S/E, Tax Returns Sch C for xxxxxx were provided for 2024 and 2023 provided in initial review page #679,834. Hence resolved - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. 2025 W2 and paystub were provided. Previously borrower was S/E Tax Returns were also provided for 2024 to show this - Seller-04/22/2026 <br> Open-Borrower 1 W2/1099 Missing W2 - 2025 & 2024 are missing for employer "xxxxxx". Provide W2's for same. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. 2025 W2 and paystub were provided. Previously borrower was S/E Tax Returns were also provided for 2024 to show this - Seller-04/22/2026 | Resolved-Borrower current wage earner xxxxxx employed from xxxxxx. Hence 2025 W-2 was already in file. Previously borrower was S/E, Tax Returns Sch C for xxxxxx were provided for 2024 and 2023 provided in initial review page #679,834. Hence resolved - Due Diligence Vendor-04/23/2026 |  |  | Comment to Clear.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862469 | xxxxxx | D A | Closed | xxxxxx | 2026-04-13 02:38 | 2026-04-23 00:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated 1003, 1008 provided with final qualifying income. Resolved<br> - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. Updated 1003/1008 attached. Only using 75% of rental income from 1007. - Seller-04/22/2026 <br> Open-For Investment property "xxxxxx" borrower receiving the net rental income $201, unable to verify the same. Provide the lease agreement or other supporting documents to verify the rental income. - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. Updated 1003/1008 attached. Only using 75% of rental income from 1007. - Seller-04/22/2026 | Resolved-Updated 1003, 1008 provided with final qualifying income. Resolved<br> - Due Diligence Vendor-04/23/2026 |  |  | 1003.1008.pdf<br> Comment to Clear.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862469 | xxxxxx | D A | Closed | xxxxxx | 2026-04-12 22:17 | 2026-04-15 05:45 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/14/2026 <br> Open-Per the GL 02.20.2026 page # 26 a clear fraud report is required. The fraud report in file (page # 325) is showing 2 high uncleared alert. The required cleared report is missing2<br>- Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-04/14/2026 | Resolved-Requested alerts cleared fraud report provided, updated & condition resolved. - Due Diligence Vendor-04/15/2026 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 862711 | xxxxxx | D A | Closed | xxxxxx | 2026-04-15 09:20 | 2026-04-28 06:33 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-04/28/2026 <br> Resolved-Requested Certificate of Good Standing Provided, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 <br> Resolved-Validation Resolved' - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Seller-04/20/2026 <br> Open-Entity Formation Doc Indicator is Missing. Provide Confirmation of good standing must be dated within twelve months of the application submission date (print out on page #229 is not dated when it was printed therefore unable to determine if it meets guidelines or not)<br> - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. - Seller-04/20/2026 | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-04/28/2026 <br> Resolved-Requested Certificate of Good Standing Provided, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 <br> Resolved-Validation Resolved' - Due Diligence Vendor-04/20/2026 |  |  | Article of Organization - xxxxxx.pdf<br> COGS - xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862711 | xxxxxx | D A | Closed | xxxxxx | 2026-04-15 04:16 | 2026-04-20 04:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested signed Settlement statement provided, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 <br> Resolved-Validation Resolved - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of xxxxxx, the borrower executed the package on xxxxxx. This is standard practice in dry-state closings, including xxxxxx. The document dates often reflect the lender's preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower's actual execution date (xxxxxx) Completed without any backdating Executed within the lender's allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on xxxxxx per the final settlement statement which is allowable in the state of xxxxxx (dry state). Settlement Agent Signature at the Top of Page 1 and borrower signatures at bottom of page 3 - Seller-04/20/2026 <br> Open-Closing Doc is Missing. Provide updated final HUD1 or Settlement statement as the one in file is not signed by borrower or the title company, also the closing/funding date per the closing statement is xxxxxx and note is dated xxxxxx and all closing documents were signed/dated and notarized on xxxxxx - cash to/from borrower is missing as well. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of xxxxxx, the borrower executed the package on xxxxxx. This is standard practice in dry-state closings, including xxxxxx. The document dates often reflect the lender's preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower's actual execution date (xxxxxx) Completed without any backdating Executed within the lender's allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on xxxxxx per the final settlement statement which is allowable in the state of xxxxxx (dry state). Settlement Agent Signature at the Top of Page 1 and borrower signatures at bottom of page 3 - Seller-04/20/2026 | Resolved-Requested signed Settlement statement provided, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 <br> Resolved-Validation Resolved - Due Diligence Vendor-04/20/2026 |  |  | Final HUD - Signed by Borrower and Settlement Agent.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862711 | xxxxxx | D A | Closed | xxxxxx | 2026-04-15 04:44 | 2026-04-20 03:53 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. Per guidelines, if market rents are higher than the in-place rents, estimated market rent from Form 1007/1025 must be within 120% of the lease amount. If market rent exceeds 120% of the lease amount, income is capped at 120% of the lease amount. Lease is $2,350. 120% is $2,820, so market rent of $2,500 was used from the appraisal. DSCR is then 0.806 - Seller-04/20/2026 <br> Open-Per GL 02.04.2026, the min DSCR should be 0.80<br>DSCR is calculated as below: Gross Rent $2,350 / PITIA $3,103.18 = 0.757<br> PITIA: P&I $2570.24 + Taxes xxxxxx + HOI $157.83 + HOA $129 = $3103.18<br> Lease agreement found on page #408 in the amount of $2350 & Rent Schedule 1007 found on page #32 in the amount of $2500<br> - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. Per guidelines, if market rents are higher than the in-place rents, estimated market rent from Form 1007/1025 must be within 120% of the lease amount. If market rent exceeds 120% of the lease amount, income is capped at 120% of the lease amount. Lease is $2,350. 120% is $2,820, so market rent of $2,500 was used from the appraisal. DSCR is then 0.806 - Seller-04/20/2026 | Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 |  |  | DSCR Worksheet.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862714 | xxxxxx | D A | Closed | xxxxxx | 2026-04-15 07:51 | 2026-04-28 15:01 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' - Due Diligence Vendor-04/28/2026 <br> Resolved-Lender provided updated screenshot for business search - finding resolved. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Seller-04/20/2026 <br> Open-Entity Formation Doc Indicator is Missing. Please provide Confirmation of good standing must be dated within twelve months of the application submission date (printout in loan file is not dated so unable to determine if it meets guidelines or not). - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. - Seller-04/20/2026 | Resolved-Validation Resolved' - Due Diligence Vendor-04/28/2026 <br> Resolved-Lender provided updated screenshot for business search - finding resolved. - Due Diligence Vendor-04/20/2026 |  |  | Article of Organization - xxxxxx.pdf<br> COGS - xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862714 | xxxxxx | D A | Closed | xxxxxx | 2026-04-15 06:00 | 2026-04-20 04:17 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested 1008 provided, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Seller-04/20/2026 <br> Open-The 1008 document is missing from the loan file. Property value per appraisal report is xxxxxx. However 1008 document shows appraised value as xxxxxx. Provide updated 1008 document with correct property value and LTV rations. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. - Seller-04/20/2026 | Resolved-Requested 1008 provided, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/20/2026 |  |  | 1008.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862714 | xxxxxx | D A | Closed | xxxxxx | 2026-04-15 06:13 | 2026-04-20 04:13 | Resolved | 1 - Information C A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Seller-04/20/2026 <br> Open-Rent $5,500 / PITIA $6,554.16 = 0.839 - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. - Seller-04/20/2026 | Resolved-Requested DSCR calculation Worksheet which matches originator and calculated DSCR, Updated & Condition Resolved - Due Diligence Vendor-04/20/2026 |  |  | DSCR Worksheet.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862714 | xxxxxx | D A | Closed | xxxxxx | 2026-04-15 06:14 | 2026-04-20 02:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Requested updated final settlement statement with updated closing date & signatures provided, updated & condition resolved. - Due Diligence Vendor-04/20/2026 <br> Resolved-Validation Resolved - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of xxxxxx, the borrower executed the package on xxxxxx. This is standard practice in dry-state closings, including xxxxxx. The document dates often reflect the lender's preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower's actual execution date (xxxxxx) Completed without any backdating Executed within the lender's allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on xxxxxx per the final settlement statement which is allowable in the state of xxxxxx (dry state). Settlement Agent Signature at the Top of Page 1 and borrower signatures at bottom of page 3 - Seller-04/20/2026 <br> Open-Closing Doc is Missing. Provide updated final HUD1 or Settlement statement as the one in file is not signed by borrower or the title company, also the closing/funding date per the closing statement is xxxxxx and note is dated xxxxxx and all closing documents were signed/dated and notarized on xxxxxx. - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. I wanted to clarify the date variance across the closing package. While certain documents (including the Note) reflect a document date of xxxxxx, the borrower executed the package on xxxxxx. This is standard practice in dry-state closings, including xxxxxx. The document dates often reflect the lender's preparation or effective date (used for interest accrual, payment scheduling, and disclosure timing), while the execution date reflects when the borrower actually signs. All documents in the package were: Signed and notarized using the borrower's actual execution date (xxxxxx) Completed without any backdating Executed within the lender's allowable signing window. This type of date variance across the closing package is common and does not impact enforceability, compliance, or salability of the loan. All timing-sensitive documents (e.g., rescission, if applicable) were completed using the correct execution date to ensure accuracy. Disbursement date for funds occurred on xxxxxx per the final settlement statement which is allowable in the state of xxxxxx (dry state). Settlement Agent Signature at the Top of Page 1 and borrower signatures at bottom of page 3 - Seller-04/20/2026 | Resolved-Requested updated final settlement statement with updated closing date & signatures provided, updated & condition resolved. - Due Diligence Vendor-04/20/2026 <br> Resolved-Validation Resolved - Due Diligence Vendor-04/20/2026 |  |  | Final HUD - Signed by Borrower and Settlement Agent.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 862910 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 862934 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-01 00:41 | 2026-04-03 06:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/03/2026 | Personal Guaranty with Full Recourse <br> Reserves- Loan File 7.06 months, GL requirement Min 2 months | Personal Guaranty with Full Recourse <br> Reserves- Loan File 7.06 months, GL requirement Min 2 months | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 862934 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-02 08:17 | 2026-04-03 06:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Borrower's Citizenship has been received. Borrower is from xxxxxx - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open-1003 Section 8 nor the borrower's ID reflects the country that the borrower is FROM. Provide supporting documentation as to what country the borrower is "FROM" as per OFAC requirements or provide exception with min of 3 comp factors - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026 | Resolved-Borrower's Citizenship has been received. Borrower is from xxxxxx - Due Diligence Vendor-04/03/2026 | Reserves- Loan File 7.06 months, GL Requirement Min 2 months | Reserves- Loan File 7.06 months, GL Requirement Min 2 months | xxxxxx Country of Origin.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 862974 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-12 15:32 | 2026-05-12 15:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property: Land Area exceeds guideline maximum | Waived-The issue was waived by the investor with compensating factors. - Due Diligence Vendor-05/12/2026 <br> Ready for Review- - Due Diligence Vendor-05/12/2026 <br> Open-Land Area/Acreage exceeds guideline maximum The guideline overlay indicated the maximum acreage for a DSCR greater than xxxxxx is xxxxxx acres. The appraisal in the loan reflects the property as xxxxxx acres which exceeds the guideline maximum. - Due Diligence Vendor-05/12/2026 | Waived with compensating factors. - 05/12/2026 <br>| Waived-The issue was waived by the investor with compensating factors. - Due Diligence Vendor-05/12/2026 | 56.54% LTV is below the maximum 80% LTV by 23.46%. <br> 44.61 months reserves exceed the minimum required of 2 months exceeds the minimum by 42.61 months over the required minimum.<br> 732 Representative credit score exceeds the minimum required credit score of 700 by 32 Points. | 56.54% LTV is below the maximum 80% LTV by 23.46%. <br> 44.61 months reserves exceed the minimum required of 2 months exceeds the minimum by 42.61 months over the required minimum.<br> 732 Representative credit score exceeds the minimum required credit score of 700 by 32 Points. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 862974 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-28 05:27 | 2026-05-05 01:06 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Updated Lender Approval Form uploaded, Verified - Resolved - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. - Seller-05/04/2026 <br> Open-Provide Lender Approval Form - Due Diligence Vendor-04/28/2026 | Ready for Review-Document Uploaded. - Seller-05/04/2026 | Resolved-Updated Lender Approval Form uploaded, Verified - Resolved - Due Diligence Vendor-05/05/2026 |  |  | APPROVAL CERTIFICATE (7).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863010 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 863408 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-06 01:57 | 2026-04-14 05:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Post close exception received.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/14/2026 <br> Ready for Review- - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception. - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026 | Waived-Post close exception received.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/14/2026 | Personal Guaranty with Full Recourse <br> 70% LTV is below the maximum 75% LTV by 5%.<br> 736 Representative credit score exceeds the minimum required of 700 by 36 points<br> Housing history 0x30x12. GL requirements 1x30x12 | Personal Guaranty with Full Recourse <br> 70% LTV is below the maximum 75% LTV by 5%.<br> 736 Representative credit score exceeds the minimum required of 700 by 36 points<br> Housing history 0x30x12. GL requirements 1x30x12 | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 863516 | xxxxxx | D A | Closed | xxxxxx | 2026-04-10 12:02 | 2026-04-14 08:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Borrower's Country of Origin is xxxxxx - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Open-1003 nor the borrower's ID reflects the country of origin that the borrower is FROM. Provide supporting documentation as to what country of origin the borrower is "FROM" as per OFAC requirements - Due Diligence Vendor-04/10/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026 | Resolved-Borrower's Country of Origin is xxxxxx - Due Diligence Vendor-04/14/2026 |  |  | xxxxxx Origin.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863516 | xxxxxx | D A | Closed | xxxxxx | 2026-04-08 01:16 | 2026-04-14 08:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/14/2026 <br> Resolved-The loan's (7.861%) APR equals or exceeds the Federal HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(i)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 310-311 and the Final Closing disclosure on Pg#' 170-174 reflects escrows. Rate lock date was entered correctly – see Pg#'s 327-328 An interior and exterior appraisal was completed for this property – see pg 27-56 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 390, and copy of the appraisal was given to the borrower – see Pg#'s 150 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/08/2026 <br> Open- - Due Diligence Vendor-04/10/2026 <br> Open- - Due Diligence Vendor-04/08/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/14/2026 <br> Resolved-The loan's (7.861%) APR equals or exceeds the Federal HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(i)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 310-311 and the Final Closing disclosure on Pg#' 170-174 reflects escrows. Rate lock date was entered correctly – see Pg#'s 327-328 An interior and exterior appraisal was completed for this property – see pg 27-56 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 390, and copy of the appraisal was given to the borrower – see Pg#'s 150 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/08/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863519 | xxxxxx | D A | Closed | xxxxxx | 2026-04-09 01:56 | 2026-04-17 05:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved- 10 year Fixed I/O with a P&I iao $4062.50 received - Due Diligence Vendor-04/17/2026 <br> Resolved-The Note is Present - Due Diligence Vendor-04/17/2026 <br> Ready for Review-Document Uploaded. - Seller-04/16/2026 <br> Open-The Note is Incomplete Note reflects 30 year Fixed Term and the P&I is calculating iao $4740.51 when it should reflect a 10 year Fixed I/O with a P&I iao $4062.50. The Final CD reflects 10 year Fixed P&I iao $4,062.50 and year 11-30 P&i increases to $5,591.80. Lock confirmation also reflects loan product is 10 Year Interest Only Fixed Rate. Provide an updated Note with the correct 10 year I/O Fixed Term. - Due Diligence Vendor-04/09/2026 | Ready for Review-Document Uploaded. - Seller-04/16/2026 | Resolved- 10 year Fixed I/O with a P&I iao $4062.50 received - Due Diligence Vendor-04/17/2026 <br> Resolved-The Note is Present - Due Diligence Vendor-04/17/2026 |  |  | xxxxxx IO Note.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863519 | xxxxxx | D A | Closed | xxxxxx | 2026-04-12 23:58 | 2026-04-17 05:12 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Inaccurate Loan Product - Redisclosure and Waiting Period | Resolved-Updated Note and CD received - Due Diligence Vendor-04/17/2026 <br> Resolved- - Due Diligence Vendor-04/17/2026 <br> Ready for Review-See note condition. - Seller-04/16/2026 <br> Counter-Provide corrected Interest Only Note - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Should be interest only. Condition not clear. - Seller-04/14/2026 <br> Open-The Loan Product of (10 Year Interest Only, Fixed Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (xxxxxx). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 | Ready for Review-See note condition. - Seller-04/16/2026 <br> Ready for Review-Should be interest only. Condition not clear. - Seller-04/14/2026 | Resolved-Updated Note and CD received - Due Diligence Vendor-04/17/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863519 | xxxxxx | D A | Closed | xxxxxx | 2026-04-12 23:58 | 2026-04-15 05:09 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Corrected Closing Disclosure (Loan Product)(Last CD Received Date) | Resolved-COC loan program changed from full amortization to interest only. Rate locked at 6.50% IO with no points. DTI < 43% at the time of lock. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. CC was on xxxxxx for the interest only. - Seller-04/14/2026 <br> Open- - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 <br> Open-The last Closing Disclosure Received Date (xxxxxx) is not at least 3 business days before the consummation date of (xxxxxx). The (10 Year Interest Only, Fixed Rate) disclosed Loan Product on the last Closing Disclosure does not match the system calculated (Fixed Rate) Loan Product. Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (xxxxxx). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B); OSC 19(f)(2)(ii)-1) - Due Diligence Vendor-04/13/2026 <br> Open- - Due Diligence Vendor-04/13/2026 | Ready for Review-Document Uploaded. CC was on xxxxxx for the interest only. - Seller-04/14/2026 | Resolved-COC loan program changed from full amortization to interest only. Rate locked at 6.50% IO with no points. DTI < 43% at the time of lock. - Due Diligence Vendor-04/15/2026 |  |  | xxxxxx xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863520 | xxxxxx | B A | Closed | xxxxxx | 2026-05-12 10:52 | 2026-05-12 10:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors:<br> Required reserves 9 and borrower qualifying with 7. Page 441 - Due Diligence Vendor-05/12/2026 |  | Waived-Client elects to waive with the following compensating factors:<br> Required reserves 9 and borrower qualifying with 7. Page 441 - Due Diligence Vendor-05/12/2026 | 730 Representative credit score exceeds the minimum required of 700 by 30 points<br> Borrower has $3,812 residual income after all expenses. Minimum required per guideline is $2,500.<br> 0x30 mortgage history for 0x30x52 months. | 730 Representative credit score exceeds the minimum required of 700 by 30 points<br> Borrower has $3,812 residual income after all expenses. Minimum required per guideline is $2,500.<br> 0x30 mortgage history for 0x30x52 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 863520 | xxxxxx | B A | Closed | xxxxxx | 2026-05-12 10:46 | 2026-05-12 10:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Client elects to waive with the following compensating factors:<br> Borrower has been self employed since xxxxxx in the same business. Borrower was filing under sole proprietor <br> from xxxxxx when business entity was formed (less than two years ago.)<br> - Due Diligence Vendor-05/12/2026 |  | Waived-Loan does not conform to program guidelines Client elects to waive with the following compensating factors:<br> Borrower has been self employed since xxxxxx in the same business. Borrower was filing under sole proprietor <br> from xxxxxx when business entity was formed (less than two years ago.)<br> - Due Diligence Vendor-05/12/2026 | 730 Representative credit score exceeds the minimum required of 700 by 30 points<br> Borrower has $3,812 residual income after all expenses. Minimum required per guideline is $2,500.<br> 0x30 mortgage history for 0x30x52 months. | 730 Representative credit score exceeds the minimum required of 700 by 30 points<br> Borrower has $3,812 residual income after all expenses. Minimum required per guideline is $2,500.<br> 0x30 mortgage history for 0x30x52 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 863522 | xxxxxx | D A | Closed | xxxxxx | 2026-05-07 17:00 | 2026-05-11 03:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence of self employment | Resolved-Self Employment Business Narrative received - Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. - Seller-05/08/2026 <br> Open-Provide Self Employment Business Narrative - Due Diligence Vendor-05/07/2026 | Ready for Review-Document Uploaded. - Seller-05/08/2026 | Resolved-Self Employment Business Narrative received - Due Diligence Vendor-05/11/2026 |  |  | Business Narrative Form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863524 | xxxxxx | D A | Closed | xxxxxx | 2026-04-29 01:10 | 2026-05-05 01:35 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested 1008 document provided, updated & condition resolved. - Due Diligence Vendor-05/05/2026 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. - Seller-05/04/2026 <br> Open-The 1008 document is missing from the loan file. 1008 missing in the file - Due Diligence Vendor-04/29/2026 | Ready for Review-Document Uploaded. - Seller-05/04/2026 | Resolved-Requested 1008 document provided, updated & condition resolved. - Due Diligence Vendor-05/05/2026 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/05/2026 |  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863526 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-04 05:48 | 2026-05-11 01:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial CD Provided, Updated & Condition Resolved - Due Diligence Vendor-05/11/2026 <br> Ready for Review-See other condition. - Seller-05/08/2026 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD dated xxxxxx and related COC - Due Diligence Vendor-05/04/2026 | Ready for Review-See other condition. - Seller-05/08/2026 | Resolved-Requested Initial CD Provided, Updated & Condition Resolved - Due Diligence Vendor-05/11/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863526 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-08 10:08 | 2026-05-11 01:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Initial CD Provided, Updated & Condition Resolved - Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. xxxxxx was closing docs. - Seller-05/08/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC - Due Diligence Vendor-05/08/2026 | Ready for Review-Document Uploaded. xxxxxx was closing docs. - Seller-05/08/2026 | Resolved-Requested Initial CD Provided, Updated & Condition Resolved - Due Diligence Vendor-05/11/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CD.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863526 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-04 05:39 | 2026-05-08 09:33 | Waived | 2 - Non-Material B | Credit | Credit | DTI/Residual income outside of guidelines (ATR) | Waived-Exception page 435<br> Minimum Residual Income does not meet the guidelines - Loan File 2371.30, GL Requirement $2500<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-05/04/2026 |  | Waived-Exception page 435<br> Minimum Residual Income does not meet the guidelines - Loan File 2371.30, GL Requirement $2500<br> Client elects to waive with the following compensating factors - Due Diligence Vendor-05/04/2026 | LTV is 66.775%. Maximum allowed per guidelines is 80%.<br> Consumer Payment History- Loan File 0x30x177, GL requirement 0x60x12 months<br> Job Stability- Loan File 5 years 10 months, GL Requirement 2 years<br>| LTV is 66.775%. Maximum allowed per guidelines is 80%.<br> Consumer Payment History- Loan File 0x30x177, GL requirement 0x60x12 months<br> Job Stability- Loan File 5 years 10 months, GL Requirement 2 years<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 863532 | xxxxxx | C A | Closed | xxxxxx | 2026-04-20 07:18 | 2026-04-27 03:17 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Requested updated 1003 with corrected 5A information provided, updated & condition resolved. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. - Seller-04/24/2026 <br> Open-1003 and VOR reflect primary residence as a rental for the last 4.5 years; however, in Section 5 Declarations, it reflects that the borrower has had Primary Residence ownership with another party in last three years. Fraud Report reflects ownership in a property in xxxxxx. Credit Report reflects mortgage closed xxxxxx via Foreclosure. Provide updated 1003 with correct information and clarification if it was an investment property not a primary residence that was previously owned. - Due Diligence Vendor-04/20/2026 | Ready for Review-Document Uploaded. - Seller-04/24/2026 | Resolved-Requested updated 1003 with corrected 5A information provided, updated & condition resolved. - Due Diligence Vendor-04/27/2026 |  |  | xxxxxx corrected 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863533 | xxxxxx | D A | Closed | xxxxxx | 2026-03-28 23:10 | 2026-04-01 06:17 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-Complete Appraisal received. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. - Seller-04/01/2026 <br> Open-Appraisal report is present; however, photos page and text on Addendums are blank on the appraisal report. Provide complete appraisal report. - Due Diligence Vendor-03/29/2026 | Ready for Review-Document Uploaded. - Seller-04/01/2026 | Resolved-Complete Appraisal received. - Due Diligence Vendor-04/01/2026 |  |  | Appraisal xxxxxx AS IS xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863533 | xxxxxx | D A | Closed | xxxxxx | 2026-03-31 12:23 | 2026-04-01 06:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan Approval received. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-Document Uploaded. - Seller-04/01/2026 <br> Open-Provide loan approval - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. - Seller-04/01/2026 | Resolved-Loan Approval received. - Due Diligence Vendor-04/01/2026 |  |  | CLA_non-DSCR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 863535 | xxxxxx | D A | Closed | xxxxxx | 2026-04-30 03:49 | 2026-05-07 03:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Requested loan approval document provided, updated & condition resolved. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. - Seller-05/06/2026 <br> Open-Provide Loan Approval. - Due Diligence Vendor-04/30/2026 | Ready for Review-Document Uploaded. - Seller-05/06/2026 | Resolved-Requested loan approval document provided, updated & condition resolved. - Due Diligence Vendor-05/07/2026 |  |  | xxxxxx CTC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863535 | xxxxxx | D A | Closed | xxxxxx | 2026-04-30 00:50 | 2026-05-07 02:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Requested clarification as in to whom DOT is given by borrower, updated & condition resolved. - Due Diligence Vendor-05/07/2026 <br> Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-05/07/2026 <br> Ready for Review-That is the title's company's xxxxxx, and it's often listed this way in xxxxxx. (or the title co. would be in that section). - Seller-05/06/2026 <br> Open-The Deed of Trust is Incomplete This Deed of Trust is given by xxxxxx, as Borrower (xxxxxx),to xxxxxx as xxxxxx, for the benefit of xxxxxx, as beneficiary. Provide clarification as to whom xxxxxx is. There is no supporting documentation in the loan file. - Due Diligence Vendor-04/30/2026 | Ready for Review-That is the title's company's xxxxxx, and it's often listed this way in xxxxxx. (or the title co. would be in that section). - Seller-05/06/2026 | Resolved-Requested clarification as in to whom DOT is given by borrower, updated & condition resolved. - Due Diligence Vendor-05/07/2026 <br> Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-05/07/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863659 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863709 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863752 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-21 03:57 | 2026-05-14 10:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/14/2026 <br> Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/28/2026 <br> Ready for Review- - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. - Seller-04/27/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. - Seller-04/27/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/14/2026 <br> Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/28/2026 | Personal Guaranty with Full Recourse <br> 745 Representative credit score exceeds the minimum required of 700 by 45 points<br> $140,398.26 reserves exceed the minimum required of $5,426.02 exceeds the minimum by 49.75 months over the required minimum.<br> Housing history 0x30x12. GL requirements 1x30x12. | Personal Guaranty with Full Recourse <br> 745 Representative credit score exceeds the minimum required of 700 by 45 points<br> $140,398.26 reserves exceed the minimum required of $5,426.02 exceeds the minimum by 49.75 months over the required minimum.<br> Housing history 0x30x12. GL requirements 1x30x12. | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 863759 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863767 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863769 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 863778 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-03 05:10 | 2026-04-10 04:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. - Seller-04/09/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. - Seller-04/09/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/10/2026 | Personal Guaranty with Full Recourse<br> DSCR ratio of 1.386 exceeds the minimum requirement of 1 by 0.386 points.<br> 758 Representative credit score exceeds the minimum required of 700 by 58 points<br> 342.09 months reserves exceed the minimum required of 2 months and exceeds the minimum by 340.09 months over the required minimum.<br>| Personal Guaranty with Full Recourse<br> DSCR ratio of 1.386 exceeds the minimum requirement of 1 by 0.386 points.<br> 758 Representative credit score exceeds the minimum required of 700 by 58 points<br> 342.09 months reserves exceed the minimum required of 2 months and exceeds the minimum by 340.09 months over the required minimum.<br>| xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 863817 | xxxxxx | D A | Closed | xxxxxx | 2026-04-11 10:52 | 2026-04-14 06:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Initial Business Purpose Affidavit received - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Present'. Business Purpose Affidavit is required for a DSCR loan. Provide the Initial Business Purpose Affidavit signed at application for both borrowers. - Due Diligence Vendor-04/11/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026 | Resolved-Initial Business Purpose Affidavit received - Due Diligence Vendor-04/14/2026 |  |  | xxxxxx BPA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863821 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-05 22:58 | 2026-04-14 06:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/14/2026 <br> Ready for Review- - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception. - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/14/2026 | 65.35% LTV is below the maximum 80% LTV by 14.65%.<br> 744 Representative credit score exceeds the minimum required of 720 by 24 points<br> DSCR- Loan File 1.168, GL Requirement Min 1 | 65.35% LTV is below the maximum 80% LTV by 14.65%.<br> 744 Representative credit score exceeds the minimum required of 720 by 24 points<br> DSCR- Loan File 1.168, GL Requirement Min 1 | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 863824 | xxxxxx | D A | Closed | xxxxxx | 2026-04-24 07:42 | 2026-04-28 08:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. - Seller-04/27/2026 <br> Open-Title Document is Incomplete Provide Title Policy with Title Coverage amount - Due Diligence Vendor-04/24/2026 | Ready for Review-Document Uploaded. - Seller-04/27/2026 | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-04/28/2026 |  |  | Title supplement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 863878 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-07 05:39 | 2026-04-14 07:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Post close exception received.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/14/2026 <br> Ready for Review- - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026 | Waived-Post close exception received.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/14/2026 | Personal Guaranty with Full Recourse <br> 738 Representative credit score exceeds the minimum required of 700 by 38 points<br> $117,083.45 reserves exceed the minimum required of $6,229.5 exceeds the minimum by 35.59 months over the required minimum.<br> Housing history 0x30x12. GL requirements 1x30x12 | Personal Guaranty with Full Recourse <br> 738 Representative credit score exceeds the minimum required of 700 by 38 points<br> $117,083.45 reserves exceed the minimum required of $6,229.5 exceeds the minimum by 35.59 months over the required minimum.<br> Housing history 0x30x12. GL requirements 1x30x12 | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 863878 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-07 05:39 | 2026-04-10 10:42 | Acknowledged | 2 - Non-Material B | Compliance | State Reg | xxxxxx Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Lender chooses to acknowledge as immaterial. - Due Diligence Vendor-04/07/2026 |  | Acknowledged-Per outside counsel guidance, BPL prepayment penalties are only allowed for loans signed by a Corporation. Lender chooses to acknowledge as immaterial. - Due Diligence Vendor-04/07/2026 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 863883 | xxxxxx | D A | Closed | xxxxxx | 2026-04-24 07:33 | 2026-04-30 08:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. See disclaimer deed attached. - Seller-04/29/2026 <br> Open-The Deed of Trust is Incomplete Loan approval states property is located in a xxxxxx. The spouse is required to sign the mortgage. The DOT was not signed by the spouse. - Due Diligence Vendor-04/24/2026 | Ready for Review-Document Uploaded. See disclaimer deed attached. - Seller-04/29/2026 | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-04/30/2026 |  |  | Disclaimer Deed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863912 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-21 10:49 | 2026-05-22 05:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD dated xxxxxx and related COC's received. - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. - Seller-05/21/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC's - Due Diligence Vendor-05/21/2026 | Ready for Review-Document Uploaded. - Seller-05/21/2026 | Resolved-Revised CD dated xxxxxx and related COC's received. - Due Diligence Vendor-05/22/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863912 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-19 01:02 | 2026-05-22 05:29 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-COC's dated xxxxxx and xxxxxx received. - Due Diligence Vendor-05/22/2026 <br> Resolved-Resolved - Due Diligence Vendor-05/22/2026 <br> Ready for Review-See CD condition. - Seller-05/21/2026 <br> Open- - Due Diligence Vendor-05/21/2026 <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: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for the addition of the Points - Loan Discount Fee iao $2840<br> - Due Diligence Vendor-05/19/2026 <br> Open- - Due Diligence Vendor-05/19/2026 | Ready for Review-See CD condition. - Seller-05/21/2026 | Resolved-COC's dated xxxxxx and xxxxxx received. - Due Diligence Vendor-05/22/2026 <br> Resolved-Resolved - Due Diligence Vendor-05/22/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863912 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-19 01:18 | 2026-05-21 21:42 | Resolved | 1 - Information C A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Requested RCE with estimated replacement cost to rebuild the property that is within the dwelling coverage amount provided, updated & condition resolved. - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. - Seller-05/21/2026 <br> Open-Provide HOI Policy with sufficient dwelling coverage iao xxxxxx or RCE<br>- Due Diligence Vendor-05/19/2026 | Ready for Review-Document Uploaded. - Seller-05/21/2026 | Resolved-Requested RCE with estimated replacement cost to rebuild the property that is within the dwelling coverage amount provided, updated & condition resolved. - Due Diligence Vendor-05/22/2026 |  |  | xxxxxx RCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863952 | xxxxxx | D A | Closed | xxxxxx | 2026-04-23 10:35 | 2026-04-23 10:37 | Resolved | 1 - Information D A | Credit | Eligibility | Missing proof of ownership for Primary Residence shown on 1003 | Resolved-The documentation received was sufficient to resolve the finding. The updated 1003 reflects the Borrower as owner of the primary residence. - Due Diligence Vendor-04/23/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/23/2026 <br> Open-The application reflects the Borrower as having no primary residence expense. However, the 1008 reflects a monthly mortgage payment. Validation of ownership was not located in the loan file. - Due Diligence Vendor-04/23/2026 | Documentation uploaded - 04/23/2026 <br>| Resolved-The documentation received was sufficient to resolve the finding. The updated 1003 reflects the Borrower as owner of the primary residence. - Due Diligence Vendor-04/23/2026 |  |  | LOPrint (29).pdf<br> LOAN TRANSMITTAL 1008 (12).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 863952 | xxxxxx | D A | Closed | xxxxxx | 2026-04-01 23:08 | 2026-04-15 08:34 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Borrower is an owner of the property. See updated 1003 and PC letter. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. - Seller-04/14/2026 <br> Open-Housing History Does Not Meet Guideline Requirements As per Final 1003 page 27 borrower is living as no primary housing expenses in current address xxxxxx and in prior address xxxxxx provided LOX on page 279 is from borrower and not reflecting about rent free, Provide rent free LOX from landlord or owner as the borrower is staying as no primary housing expenses. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/14/2026 | Resolved-Borrower is an owner of the property. See updated 1003 and PC letter. - Due Diligence Vendor-04/15/2026 |  |  | PC Cert for Does Not Meet Guidelines Requirements.pdf<br> LOPrint (29).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 863952 | xxxxxx | D A | Closed | xxxxxx | 2026-04-01 23:31 | 2026-04-15 02:12 | Resolved | 1 - Information C A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Requested Updated 1003 Provided, updated & condition Resolved - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Document Uploaded. - Seller-04/14/2026 <br> Open-Provide bank statement for the acct #xxxxxx xxxxxx bank of $16392.94 as per final 1003 page 28 as its missing in file. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/14/2026 | Resolved-Requested Updated 1003 Provided, updated & condition Resolved - Due Diligence Vendor-04/15/2026 |  |  | PC Cert for xxxxxx Acct.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 863953 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-02 02:14 | 2026-04-09 02:21 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-04/09/2026 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/08/2026 | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-04/09/2026 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-04/09/2026 |  |  | UCDP _ SSR xxxxxx (20).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863953 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-02 03:11 | 2026-04-08 04:00 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Requested Loan Approval provided, Updated & Condition Resolved - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. - Seller-04/07/2026 <br> Open-Provide lender approval form . - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/07/2026 | Resolved-Requested Loan Approval provided, Updated & Condition Resolved - Due Diligence Vendor-04/08/2026 |  |  | APPROVAL CERTIFICATE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863959 | xxxxxx | C A | Closed | xxxxxx | 2026-04-01 14:01 | 2026-04-03 06:07 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Updated HUD was provided according to prepayment maximum. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. The maximum prepayment penalty on the HUD-1 statement is $15.000. According to the terms of the prepayment rider the maximum prepayment penalty is $24,000. Please provide accurate HUD-1 supporting the maximum penalty. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026 | Resolved-Updated HUD was provided according to prepayment maximum. - Due Diligence Vendor-04/03/2026 |  |  | HUD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863960 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 863962 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-01 01:41 | 2026-04-06 11:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception 80% LTV DSCR (State: xxxxxx) is Approved. - Due Diligence Vendor-04/06/2026 <br> Resolved-Internal exception provided. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open-Audited LTV Exceeds Guideline LTV State overlay for xxxxxx says purchase max LTV is 75%. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026 | Waived-Exception 80% LTV DSCR (State: xxxxxx) is Approved. - Due Diligence Vendor-04/06/2026 <br> Resolved-Internal exception provided. - Due Diligence Vendor-04/03/2026 | 769 Representative credit score exceeds the minimum required of 700 by 69 points.<br> $89,316 reserves exceed the minimum required of $9,160 exceeds the minimum by 10 months over the required minimum.<br> 0x30 mortgage history for 72 months.<br> DSCR ratio of 1.572 exceeds the minimum requirement of 1 by 0.572 points. | 769 Representative credit score exceeds the minimum required of 700 by 69 points.<br> $89,316 reserves exceed the minimum required of $9,160 exceeds the minimum by 10 months over the required minimum.<br> 0x30 mortgage history for 72 months.<br> DSCR ratio of 1.572 exceeds the minimum requirement of 1 by 0.572 points. | INTERNAL EXCEPTION APPROVAL (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 863963 | xxxxxx | D A | Closed | xxxxxx | 2026-04-07 10:00 | 2026-04-17 08:26 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-04/17/2026 <br> Resolved-Death Certificate received. Property Title Issue Resolved. - Due Diligence Vendor-04/16/2026 <br> Ready for Review-Document Uploaded. - Seller-04/14/2026 <br> Open-Property Title Issue Per Title Commitment, Death Certificate missing for xxxxxx. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. - Seller-04/14/2026 | Resolved-Property Title Issue Resolved - Due Diligence Vendor-04/17/2026 <br> Resolved-Death Certificate received. Property Title Issue Resolved. - Due Diligence Vendor-04/16/2026 |  |  | Death Cert.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863963 | xxxxxx | D A | Closed | xxxxxx | 2026-04-01 03:45 | 2026-04-07 02:00 | Resolved | 1 - Information D A | Credit | Eligibility | Prepayment Penalty Does Not Meet Guideline Requirements | Resolved-Requested updated final HUD with updated Prepayment penalty amount provided, updated & condition resolved. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. - Seller-04/06/2026 <br> Open-Prepayment penalty max payment $15,960 is exceeding HUD -1 max payment $15,462. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/06/2026 | Resolved-Requested updated final HUD with updated Prepayment penalty amount provided, updated & condition resolved. - Due Diligence Vendor-04/07/2026 |  |  | xxxxxx FINAL HUD.PDF | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863964 | xxxxxx | C A | Closed | xxxxxx | 2026-04-01 15:10 | 2026-04-08 07:53 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Resolved. Revised document received. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. - Seller-04/07/2026 <br> Counter-1008 received does not contain FICO score, please provide revised 1008 with FICO score. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/03/2026 <br> Open-Qualifying FICO on 1008 does not match Qualifying FICO per Guidelines. Please confirm the correct Qualifying FICO. Provide a corrected 1008 reflecting the Representative FICO Score (currently missing) and check the box for Manual Underwriting for Risk Assessment. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/07/2026 <br> Ready for Review-Document Uploaded. - Seller-04/03/2026 | Resolved-Resolved. Revised document received. - Due Diligence Vendor-04/08/2026 |  |  | LOAN TRANSMITTAL 1008.pdf<br> LOAN TRANSMITTAL 1008 with FICO score.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863964 | xxxxxx | C A | Closed | xxxxxx | 2026-04-01 02:41 | 2026-04-08 07:50 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Resolved. Revised document provided. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. - Seller-04/07/2026 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Calculated prepayment is $16,044 vs $15,057 in HUD . Provide updated HUD to reflect correct prepayment - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/07/2026 | Resolved-Resolved. Revised document provided. - Due Diligence Vendor-04/08/2026 |  |  | xxxxxx FINAL HUD.PDF | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863965 | xxxxxx | C A | Closed | xxxxxx | 2026-04-01 06:37 | 2026-04-06 12:47 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Appraisal is expired, Requested 1004D provided, Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 <br> Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/03/2026 <br> Open-Primary Value Appraisal is Expired, Check 1004D Completion date if available to confirm if expired. (Days Difference is 153) Provide Appraisal report. Appraisal report available in file is expired. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/03/2026 | Resolved-Appraisal is expired, Requested 1004D provided, Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 <br> Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-04/06/2026 |  |  | RE-CERTIFICATION OF VALUE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863965 | xxxxxx | C A | Closed | xxxxxx | 2026-04-02 03:35 | 2026-04-06 01:21 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Requested loan Approval provided, Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/03/2026 <br> Open-Provide Lender approval form. Lender approval missing from file. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/03/2026 | Resolved-Requested loan Approval provided, Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 |  |  | APPROVAL CERTIFICATE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 863966 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-01 05:30 | 2026-04-03 05:59 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Business Entity EIN provided, Verified - Resolved - Due Diligence Vendor-04/03/2026 <br> Resolved-Validation Resolved' - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open-Entity Formation Doc Indicator is Missing. Provide EIN for the xxxxxx as its missing in file. <br> - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026 | Resolved-Business Entity EIN provided, Verified - Resolved - Due Diligence Vendor-04/03/2026 <br> Resolved-Validation Resolved' - Due Diligence Vendor-04/03/2026 |  |  | xxxxxx DOCUMENTS - W9 _ EIN (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863966 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-01 06:19 | 2026-04-03 05:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Waiver provided for the LTV being over the max of 75%. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% Audited LTV 80% Exceeds Guideline LTV of 75% as per matrix dated 10.13.25 page 3 Max LTV for 2-4 Unit property is 75% for purchase<br> (as per 1008 page 766 shows an Exception approved for 80% LTV however exception is not in file. Please provide exception for the LTV of 80%. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026 | Waived-Waiver provided for the LTV being over the max of 75%. - Due Diligence Vendor-04/03/2026 | 780 Representative credit score exceeds the minimum required of 700 by 80 points; DSCR ratio of 1.75 exceeds the minimum requirement of 1 by 0.75 points; $291,001 reserves exceed the minimum required of $4,556 exceeds the minimum by 64 months over the required minimum. | 780 Representative credit score exceeds the minimum required of 700 by 80 points; DSCR ratio of 1.75 exceeds the minimum requirement of 1 by 0.75 points; $291,001 reserves exceed the minimum required of $4,556 exceeds the minimum by 64 months over the required minimum. | INTERNAL EXCEPTION APPROVAL.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 863967 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-02 08:33 | 2026-04-20 06:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception uploaded for the LTV of 75%. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Seller-04/07/2026 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% The guideline for vacant properties on a rate/term refinance limits LTV to 70%. The current approval reflects a 75% LTV, and I'm unable to locate any documented exception supporting this higher ratio. Please provide the appropriate exception approval or advise if additional justification is required. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/07/2026 | Waived-Exception uploaded for the LTV of 75%. - Due Diligence Vendor-04/20/2026 | Client elects to waive with the following compensating factors:<br> 785 Representative credit score exceeds the minimum required of 700 by 85 points<br> $37,082 reserves exceed the minimum required of $6,846 exceeds the minimum by 5 months over the required minimum.<br> Investor has 3 years of experience with investment properties. | Client elects to waive with the following compensating factors:<br> 785 Representative credit score exceeds the minimum required of 700 by 85 points<br> $37,082 reserves exceed the minimum required of $6,846 exceeds the minimum by 5 months over the required minimum.<br> Investor has 3 years of experience with investment properties. | INTERNAL EXCEPTION APPROVAL.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 863967 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-01 06:16 | 2026-04-20 06:11 | Waived | 2 - Non-Material B | Credit | Credit | Spousal Consent Missing | Waived-Exception for spousal consent was provided. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Seller-04/17/2026 <br> Open-In xxxxxx, when a personal guaranty is present, then evidence of spousal consent is also required. Missing evidence of Spousal consent form. Per guidelines, the spousal consent is required. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/17/2026 | Waived-Exception for spousal consent was provided. - Due Diligence Vendor-04/20/2026 | Client elects to waive with the following compensating factors:<br> 785 Representative credit score exceeds the minimum required of 700 by 85 points<br> $37,082 reserves exceed the minimum required of $6,846 exceeds the minimum by 5 months over the required minimum.<br> Investor has 3 years of experience with investment properties. | Client elects to waive with the following compensating factors:<br> 785 Representative credit score exceeds the minimum required of 700 by 85 points<br> $37,082 reserves exceed the minimum required of $6,846 exceeds the minimum by 5 months over the required minimum.<br> Investor has 3 years of experience with investment properties. | INTERNAL EXCEPTION APPROVAL (22).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 863967 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-01 21:55 | 2026-04-06 05:20 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Requested loan approval document provided, updated & condition resolved. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/03/2026 <br> Open-Missing Lender Approval certificate in the file. - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/03/2026 | Resolved-Requested loan approval document provided, updated & condition resolved. - Due Diligence Vendor-04/06/2026 |  |  | APPROVAL CERTIFICATE (1).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 863968 | xxxxxx | B A | Closed | xxxxxx | 2026-04-02 22:13 | 2026-04-21 08:59 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-The exception request to consider this file a R/T when paying off a blanket loan & 75% LTV on a vacant property<br> is APPROVED. - Due Diligence Vendor-04/21/2026 <br> Rescinded-Audited HLTV of 75% exceeds Guideline HCLTV of 70% Duplicate rescinded, Exception in file for 75% LTV on a vacant property - Due Diligence Vendor-04/03/2026 |  | Waived-The exception request to consider this file a R/T when paying off a blanket loan & 75% LTV on a vacant property<br> is APPROVED. - Due Diligence Vendor-04/21/2026 <br> Rescinded-Audited HLTV of 75% exceeds Guideline HCLTV of 70% Duplicate rescinded, Exception in file for 75% LTV on a vacant property - Due Diligence Vendor-04/03/2026 | 785 Representative credit score exceeds the minimum required of 700 by 85 points.<br> $34,970 reserves exceed the minimum required of $6,830 exceeds the minimum by 5 months over the required minimum. | 785 Representative credit score exceeds the minimum required of 700 by 85 points.<br> $34,970 reserves exceed the minimum required of $6,830 exceeds the minimum by 5 months over the required minimum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 863968 | xxxxxx | B A | Closed | xxxxxx | 2026-04-02 22:13 | 2026-04-21 08:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-The exception request to consider this file a R/T when paying off a blanket loan & 75% LTV on a vacant property<br> is APPROVED. - Due Diligence Vendor-04/21/2026 <br> Rescinded-Audited CLTV of 75% exceeds Guideline CLTV of 70% Duplicate rescinded, Exception in file for 75% LTV on a vacant property - Due Diligence Vendor-04/03/2026 |  | Waived-The exception request to consider this file a R/T when paying off a blanket loan & 75% LTV on a vacant property<br> is APPROVED. - Due Diligence Vendor-04/21/2026 <br> Rescinded-Audited CLTV of 75% exceeds Guideline CLTV of 70% Duplicate rescinded, Exception in file for 75% LTV on a vacant property - Due Diligence Vendor-04/03/2026 | 785 Representative credit score exceeds the minimum required of 700 by 85 points.<br> $34,970 reserves exceed the minimum required of $6,830 exceeds the minimum by 5 months over the required minimum. | 785 Representative credit score exceeds the minimum required of 700 by 85 points.<br> $34,970 reserves exceed the minimum required of $6,830 exceeds the minimum by 5 months over the required minimum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 863968 | xxxxxx | B A | Closed | xxxxxx | 2026-04-02 22:13 | 2026-04-21 08:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-The exception request to consider this file a R/T when paying off a blanket loan & 75% LTV on a vacant property is APPROVED. - Due Diligence Vendor-04/21/2026 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Exception in file page#581 for 75% LTV on a vacant property - Due Diligence Vendor-04/03/2026 |  | Waived-The exception request to consider this file a R/T when paying off a blanket loan & 75% LTV on a vacant property is APPROVED. - Due Diligence Vendor-04/21/2026 | 785 Representative credit score exceeds the minimum required of 700 by 85 points.<br> $34,970 reserves exceed the minimum required of $6,830 exceeds the minimum by 5 months over the required minimum. | 785 Representative credit score exceeds the minimum required of 700 by 85 points.<br> $34,970 reserves exceed the minimum required of $6,830 exceeds the minimum by 5 months over the required minimum. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 863968 | xxxxxx | B A | Closed | xxxxxx | 2026-04-01 23:47 | 2026-04-21 08:54 | Waived | 2 - Non-Material B | Credit | Credit | Spousal Consent Missing | Waived-The exception request to consider this file a R/T when paying off a blanket loan & 75% LTV on a vacant property & NOT having spousal consent is APPROVED. - Due Diligence Vendor-04/21/2026 <br> Resolved-Exception rec'd - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Seller-04/17/2026 <br> Open-In xxxxxx, when a personal guaranty is present, then evidence of spousal consent is also required. Provide Consent of Spouse as it is missing in the file - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/17/2026 | Waived-The exception request to consider this file a R/T when paying off a blanket loan & 75% LTV on a vacant property & NOT having spousal consent is APPROVED. - Due Diligence Vendor-04/21/2026 <br> Resolved-Exception rec'd - Due Diligence Vendor-04/20/2026 | 785 Representative credit score exceeds the minimum required of 700 by 85 points.<br> $34,970 reserves exceed the minimum required of $6,830 exceeds the minimum by 5 months over the required minimum. | 785 Representative credit score exceeds the minimum required of 700 by 85 points.<br> $34,970 reserves exceed the minimum required of $6,830 exceeds the minimum by 5 months over the required minimum. | INTERNAL EXCEPTION APPROVAL (20).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 863973 | xxxxxx | D A | Closed | xxxxxx | 2026-04-03 01:40 | 2026-04-10 08:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-1003 xxxxxx. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Final 1003 - xxxxxx - Seller-04/09/2026 <br> Counter-Missing from documentation per Guidelines Page 7 Non-Permanent Resident required Employment Authorization Document or a VISA. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. See attached final 1003 / non-permant resident - Seller-04/07/2026 <br> Counter-1003 shows Borrower Permanent Resident Alien. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-04/06/2026 <br> Ready for Review-. - Seller-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/06/2026 <br> Open-Borrower 1 Non-xxxxxx Identification Document Missing. Please provide acceptable documentation. . Borrower 1 is permanent resident alien. Provide Permanent resident card as its missing in file. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. Final 1003 - xxxxxx - Seller-04/09/2026 <br> Ready for Review-Document Uploaded. See attached final 1003 / non-permant resident - Seller-04/07/2026 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-04/06/2026 <br> Ready for Review-. - Seller-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/06/2026 | Resolved-1003 xxxxxx. - Due Diligence Vendor-04/10/2026 |  |  | xxxxxx - B1 DL.pdf<br> FINAL 1003 - non permant resident.pdf<br> Final 1003 - xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863973 | xxxxxx | D A | Closed | xxxxxx | 2026-04-03 01:40 | 2026-04-10 08:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Identification Documentation Missing | Resolved-1003 xxxxxx. - Due Diligence Vendor-04/10/2026 <br> Ready for Review-Document Uploaded. Final 1003 - xxxxxx - Seller-04/09/2026 <br> Counter-Missing from documentation per Guidelines Page 7 Non-Permanent Resident required Employment Authorization Document or a VISA. - Due Diligence Vendor-04/08/2026 <br> Ready for Review-Document Uploaded. See attached final 1003 / non-permant resident - Seller-04/07/2026 <br> Counter-1003 shows Co-Borrower Permanent Resident Alien. - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-04/06/2026 <br> Open-Borrower 2 Non-xxxxxx Identification Document Missing. Please provide acceptable documentation. Borrower 2 is permanent resident alien. Provide Permanent resident card as its missing in file. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. Final 1003 - xxxxxx - Seller-04/09/2026 <br> Ready for Review-Document Uploaded. See attached final 1003 / non-permant resident - Seller-04/07/2026 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-04/06/2026 | Resolved-1003 xxxxxx. - Due Diligence Vendor-04/10/2026 |  |  | xxxxxx - B2 DL.pdf<br> FINAL 1003 - non permant resident.pdf<br> Final 1003 - xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 863974 | xxxxxx | D A | Closed | xxxxxx | 2026-04-01 06:51 | 2026-04-06 02:57 | Resolved | 1 - Information D A | Credit | Eligibility | Prepayment Penalty Does Not Meet Guideline Requirements | Resolved-Requested Updated HUD-1 provided which meets prepayment Value , Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/03/2026 <br> Open-Prepayment calculated amount is xxxxxx but as per HUD the amount is xxxxxx, exceeding the tolerance. - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/03/2026 | Resolved-Requested Updated HUD-1 provided which meets prepayment Value , Updated & Condition Resolved - Due Diligence Vendor-04/06/2026 |  |  | xxxxxx PCCD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864050 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-05 10:30 | 2026-05-05 10:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception page 830<br> Exception Reason: Other- Business purpose and activities are not limited to ownership/management of Real Estate.<br> Client elects to waive with the following compensating factors.<br>- Due Diligence Vendor-05/05/2026 <br> Open-Loan does not conform to program guidelines - Due Diligence Vendor-05/05/2026 |  | Waived-Exception page 830<br> Exception Reason: Other- Business purpose and activities are not limited to ownership/management of Real Estate.<br> Client elects to waive with the following compensating factors.<br>- Due Diligence Vendor-05/05/2026 | 767 Representative credit score exceeds the minimum required of 700 by 67 points<br> Loss of Rents/Fair Rental Value $70,000. GL requirements not required.<br> Borrower Contribution >5% above min- - Loan File 19%, GL Requirement 10% of sales price<br> Housing Payment - Loan File 0x30x44 months, GL Requirement 1x30x12 months<br> Investor Experience- Loan File 6 years, GL Requirement None | 767 Representative credit score exceeds the minimum required of 700 by 67 points<br> Loss of Rents/Fair Rental Value $70,000. GL requirements not required.<br> Borrower Contribution >5% above min- - Loan File 19%, GL Requirement 10% of sales price<br> Housing Payment - Loan File 0x30x44 months, GL Requirement 1x30x12 months<br> Investor Experience- Loan File 6 years, GL Requirement None |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 864050 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-05 10:29 | 2026-05-05 10:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception page 830<br> DSCR Primary Housing Expense- Loan File Living Rent Free with Brother and taking daily care of elderly mother.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements . - Due Diligence Vendor-05/05/2026 |  | Waived-Exception page 830<br> DSCR Primary Housing Expense- Loan File Living Rent Free with Brother and taking daily care of elderly mother.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/05/2026 | 767 Representative credit score exceeds the minimum required of 700 by 67 points<br> Loss of Rents/Fair Rental Value $70,000. GL requirements not required.<br> Borrower Contribution >5% above min- - Loan File 19%, GL Requirement 10% of sales price<br> Housing Payment - Loan File 0x30x44 months, GL Requirement 1x30x12 months<br> Investor Experience- Loan File 6 years, GL Requirement None | 767 Representative credit score exceeds the minimum required of 700 by 67 points<br> Loss of Rents/Fair Rental Value $70,000. GL requirements not required.<br> Borrower Contribution >5% above min- - Loan File 19%, GL Requirement 10% of sales price<br> Housing Payment - Loan File 0x30x44 months, GL Requirement 1x30x12 months<br> Investor Experience- Loan File 6 years, GL Requirement None |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 864050 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-27 04:40 | 2026-05-05 05:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/05/2026 <br> Ready for Review-Document Uploaded. - Seller-05/01/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-04/27/2026 | Ready for Review-Document Uploaded. - Seller-05/01/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/05/2026 | Personal Guaranty with Full Recourse <br> 767 Representative credit score exceeds the minimum required of 700 by 67 points<br> Loss of Rents/Fair Rental Value $70,000. GL requirements not required. | Personal Guaranty with Full Recourse <br> 767 Representative credit score exceeds the minimum required of 700 by 67 points<br> Loss of Rents/Fair Rental Value $70,000. GL requirements not required. | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 864059 | xxxxxx | D A | Closed | xxxxxx | 2026-04-14 21:26 | 2026-04-20 03:25 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to proceed provided, resolved. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Seller-04/17/2026 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide signed and dated Intent to Proceed Disclosure as provided one is missing with sign and date - Due Diligence Vendor-04/15/2026 | Ready for Review-Document Uploaded. - Seller-04/17/2026 | Resolved-Intent to proceed provided, resolved. - Due Diligence Vendor-04/20/2026 |  |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864059 | xxxxxx | D A | Closed | xxxxxx | 2026-04-14 08:40 | 2026-04-20 03:25 | Resolved | 1 - Information C A | Compliance | Data | The Initial 1003 is Incomplete | Resolved-Initial 1003 provided, resolved. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Seller-04/17/2026 <br> Open-provide initial 1003 with Loan officer signature as provided one is missing , considered print date as Application date which is xxxxxx - Due Diligence Vendor-04/14/2026 | Ready for Review-Document Uploaded. - Seller-04/17/2026 | Resolved-Initial 1003 provided, resolved. - Due Diligence Vendor-04/20/2026 |  |  | xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864108 | xxxxxx | C A | Closed | xxxxxx | 2026-05-01 06:51 | 2026-05-11 14:33 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/11/2026 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/11/2026 <br> Counter-The provided document contains an uncleared alert. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/07/2026 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 02-20-2026 page #5 a clear fraud report is required. The fraud report in file (page 338) has an uncleared alert. Provide the cleared fraud report.<br> - Due Diligence Vendor-05/01/2026 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/11/2026 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-05/07/2026 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/11/2026 |  |  | Cleared Alerts.pdf<br> Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 864129 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-17 10:06 | 2026-04-20 04:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/20/2026 <br> Ready for Review-Document Uploaded. - Seller-04/17/2026 <br> Open-Loan does not conform to program guidelines Property was listed for sale xxxxxx and withdrawn xxxxxx. <br> Per guidelines for cash-out refinances, 6 months seasoning from listing contract expiration date to application date is required. ✓ A listing expiration of less than 6 months is permitted with the addition of a prepayment penalty. Email page 280-283 reflects that since the state does not allow a prepayment penalty, a 2 points origination is required. Confirmation reflects No PPP required on the C/O Refi with 2 points origination to xxxxxx. Provide exception. - Due Diligence Vendor-04/17/2026 | Ready for Review-Document Uploaded. - Seller-04/17/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/20/2026 | DSCR ratio of 1.34 exceeds the minimum requirement of 1 by 0.34 points.<br> 0x30 mortgage history for 99+ months.<br>| DSCR ratio of 1.34 exceeds the minimum requirement of 1 by 0.34 points.<br> 0x30 mortgage history for 99+ months.<br>| xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 864171 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-15 11:33 | 2026-04-15 11:33 | Waived | 2 - Non-Material B | Credit | Doc Issue | Prepayment Rider Missing | Waived - Client elects to waive with the following compensating factors:<br> LTV of 48.48% is less than 60% maximum<br> FICO of 737 exceeds minimum of 640<br> - Due Diligence Vendor-04/15/2026 | We've encountered an issue where the seller originally delivered these loans to another investor with a prepayment penalty provision (PPP). However, when these loans were presented to a different buyer, the original prepayment penalty riders were unfortunately lost. At this time, we only have copies of the prepayment penalty riders for both loans. As a result, we are unable to enforce the prepayment penalties without the originals. - 04/15/2026 <br>| Waived - Due Diligence Vendor-04/15/2026 | LTV of 48.48% is less than 60% maximum<br> FICO of 737 exceeds minimum of 640 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 864171 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-04 04:53 | 2025-12-10 03:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Closing statement provided - breakdown listed under title charges. Updated & resolved. - Due Diligence Vendor-12/10/2025 <br> Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Closing statement - breakdown listed under title charges - Seller-12/10/2025 <br> Open-Final HUD-1 Document is Missing. Provide updated HUD-1 with corrected Title Fees section 1100: Total of Section 1100 is given as $3093 but the description amount is not totaling ($2408.05 + $424.95 + $75) which is $2908 but the total of Section 1100 is given as $3093, difference is $185. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Closing statement - breakdown listed under title charges - Seller-12/10/2025 | Resolved-Closing statement provided - breakdown listed under title charges. Updated & resolved. - Due Diligence Vendor-12/10/2025 <br> Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-12/10/2025 |  |  | xxxxxx Buyer Only.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864171 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-04 00:33 | 2025-12-09 05:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. cleared alerts - Seller-12/08/2025 <br> Open-Missing Third Party Fraud Report Please provide fraud report showing uncleared alerts - Provided Fraud in Pg: 384 doesn't show any Fraud Alerts. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. cleared alerts - Seller-12/08/2025 | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/09/2025 |  |  | Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864171 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-04 05:00 | 2025-12-17 02:38 | Resolved | 1 - Information A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Condition not required as LOX is already present in file on page #261 stating that primary is owned by borrower's spouse & borrower is not liable of making payments. - Due Diligence Vendor-12/17/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Housing History - LOE and Note attached - Seller-12/16/2025 <br> Open-Housing History Does Not Meet Guideline Requirements xxxxxx property profile report in Pg: 389 verifies - Primary Residence had mortgage dated xxxxxx with Loan Amount of xxxxxx, but no proof of paid-off, provide document to verify current residence as Free & Clear. - Due Diligence Vendor-12/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements xxxxxx profile report in Pg: 389 verifies - Primary Residence had mortgage dated xxxxxx with Loan Amount of xxxxxx, but no proof of paid-off, provide document to verify current residence as Free & Clear. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Housing History - LOE and Note attached - Seller-12/16/2025 | Resolved-Condition not required as LOX is already present in file on page #261 stating that primary is owned by borrower's spouse & borrower is not liable of making payments. - Due Diligence Vendor-12/17/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/17/2025 |  |  | Housing - Borrower not on Note.pdf<br> LOE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864171 | xxxxxx | D B A | Closed | xxxxxx | 2025-12-05 06:20 | 2025-12-05 11:28 | Resolved | 1 - Information A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-12/05/2025 <br> Open-Provide updated DSCR WS with corrected interest rate - Provided one in Pg: 308 have incorrect interest rate. - Due Diligence Vendor-12/05/2025 |  | Resolved-Validation Resolved' - Due Diligence Vendor-12/05/2025 |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864249 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864275 | xxxxxx | D A | Closed | xxxxxx | 2026-04-29 02:06 | 2026-05-08 08:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#'92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/08/2026 <br> Rescinded-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#'92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/07/2026 <br> Open- - Due Diligence Vendor-05/07/2026 <br> Resolved-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#'92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/07/2026 <br> Rescinded-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#'92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/07/2026 <br> Open- - Due Diligence Vendor-05/07/2026 <br> Rescinded-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#'92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-05/05/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 |  | Resolved-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#'92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/08/2026 <br> Rescinded-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#'92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/07/2026 <br> Resolved-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#'92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/07/2026 <br> Rescinded-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#'92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/07/2026 <br> Rescinded-The loan's (8.881%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s0319-320 and the Final Closing disclosure on Pg#119-124, Finding reflects escrows. Rate lock date was entered correctly – see Pg#388-389 An interior and exterior appraisal was completed for this property – see pg 52-79, the appraisal disclosure was provided to the borrower(s)- see Pg#'92 in file and confirmation the appraisal was delivered to the borrower – see Pg#92 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-04/29/2026 | . | . |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864275 | xxxxxx | D A | Closed | xxxxxx | 2026-04-29 02:06 | 2026-05-07 07:38 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved- - Due Diligence Vendor-05/07/2026 <br> Resolved- - Due Diligence Vendor-05/07/2026 <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: Points - Loan Discount Fee, Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-05/07/2026 <br> Open- - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. - Seller-05/06/2026 <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, Credit Report Fee, Points - Loan Discount Fee, 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)). Provide COC for Appraisal Fee increasing $303.90, Appraisal Desk Review Fee increasing $450, Credit report fee increasing $39.74, and Loan discount point increasing $1,554.40 on the Final CD. - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-05/05/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 | Ready for Review-Document Uploaded. - Seller-05/06/2026 | Resolved- - Due Diligence Vendor-05/07/2026 |  |  | xxxxxx xxxxxx CC.pdf<br> xxxxxx xxxxxx CC 2.pdf<br> xxxxxx xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864275 | xxxxxx | D A | Closed | xxxxxx | 2026-04-29 21:32 | 2026-05-07 02:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Requested undiscounted rate provided, updated & condition resolved. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. Unclear what's needed here. - Seller-05/06/2026 <br> Open-Provide Discount Point Fee Disclosure. There are discounted fee points collected in Final CD. - Due Diligence Vendor-04/30/2026 | Ready for Review-Document Uploaded. Unclear what's needed here. - Seller-05/06/2026 | Resolved-Requested undiscounted rate provided, updated & condition resolved. - Due Diligence Vendor-05/07/2026 |  |  | Compliance report.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864376 | xxxxxx | C A | Closed | xxxxxx | 2026-04-20 05:20 | 2026-04-21 07:28 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Document Uploaded. - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/21/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower currently living in Own Primary residence, however Proof of housing history is missing from file, required VOM/LOX for free and clear to meet GL requirement. - Due Diligence Vendor-04/20/2026 |  | Resolved-Document Uploaded. - Due Diligence Vendor-04/21/2026 |  |  | vom.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864376 | xxxxxx | C A | Closed | xxxxxx | 2026-04-20 05:28 | 2026-04-21 03:45 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Replacement Cost Estimator uploaded, Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx, Verified - Resolved - Due Diligence Vendor-04/21/2026 <br> Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. - Buyer-04/21/2026 <br> Open-Hazard Insurance Coverage Amount of xxxxxx is less than Required Coverage Amount of xxxxxx and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of xxxxxx is less than Required Coverage Amount of xxxxxx. - Due Diligence Vendor-04/20/2026 |  | Resolved-Replacement Cost Estimator uploaded, Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx, Verified - Resolved - Due Diligence Vendor-04/21/2026 <br> Resolved-Hazard Insurance Coverage Amount of xxxxxx is equal to or greater than Required Coverage Amount of xxxxxx or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-04/21/2026 |  |  | RCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864415 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 864418 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 864419 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864434 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864461 | xxxxxx | C A | Closed | xxxxxx | 2026-05-07 22:53 | 2026-05-12 11:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved- Exception Request Form is on Page #289 Exception to allow loan amount of xxxxxx vs guideline - Due Diligence Vendor-05/11/2026 <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $200000 Exception Request Form is on Page #289<br>Exception to allow loan amount of xxxxxx vs guideline - Due Diligence Vendor-05/08/2026 |  | Resolved- Exception Request Form is on Page #289 Exception to allow loan amount of xxxxxx vs guideline - Due Diligence Vendor-05/11/2026 | 753 Representative credit score exceeds the minimum required of 680 by 73 points<br> Housing History 0x30 for 12+ months  | 753 Representative credit score exceeds the minimum required of 680 by 73 points<br> Housing History 0x30 for 12+ months  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864461 | xxxxxx | C A | Closed | xxxxxx | 2026-05-07 22:58 | 2026-05-11 07:39 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Exception Request Form is on Page #289 Exception to allow DSCR ratio of .885 vs guideline - Due Diligence Vendor-05/11/2026 <br> Open-Exception Request Form is on Page #289<br>Exception to allow DSCR ratio of .885 vs guideline - Due Diligence Vendor-05/08/2026 |  | Resolved-Exception Request Form is on Page #289 Exception to allow DSCR ratio of .885 vs guideline - Due Diligence Vendor-05/11/2026 | 753 Representative credit score exceeds the minimum required of 680 by 73 points<br> Housing History 0x30 for 12+ months  | 753 Representative credit score exceeds the minimum required of 680 by 73 points<br> Housing History 0x30 for 12+ months  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864493 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-08 00:17 | 2026-05-12 06:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception for minimum loan amount with the following comp factors. - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Please find attached Lender Exception to allow loan amount of xxxxxx vs guideline, xxxxxx!<br> Comp factors include: <br> - Same home for > 3.5 years<br> - FICO is 753 credit score exceeds the minimum required of 680 by 73 points.<br> - Housing history 0 X 30 for 12+ months - Buyer-05/11/2026 <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of $200000 Provide additional comp factors as cash out cannot be used for reserves in the secondary market. - Due Diligence Vendor-05/08/2026 |  | Waived-Exception for minimum loan amount with the following comp factors. - Due Diligence Vendor-05/12/2026 | 753 Representative credit score exceeds the minimum required of 680 by 73 points.<br> 0x30 mortgage history for 36 months (primary).<br>| 753 Representative credit score exceeds the minimum required of 680 by 73 points.<br> 0x30 mortgage history for 36 months (primary).<br>| xxxxxx - Lender Exception Request - Loan Amnt.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 864493 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-08 00:02 | 2026-05-12 03:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/12/2026 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. Taxes from tax office attached, xxxxxx. - Buyer-05/11/2026 <br> Open-Missing Evidence of Property Tax Evidence of Property Tax is Missing - Due Diligence Vendor-05/08/2026 |  | Resolved-Evidence of Property Tax uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/12/2026 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/12/2026 |  |  | xxxxxx - Property Tax Cert- taxes from tax office.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864510 | xxxxxx | D A | Closed | xxxxxx | 2026-04-30 08:16 | 2026-05-07 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Validation Resolved' - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. - Seller-05/07/2026 <br> Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. The xxxxxx account xxxxxx pg#225,221 is held with business, whereas no documents to verify the borrower owns 100% ownership in the business to used funds from the account. - Due Diligence Vendor-04/30/2026 | Ready for Review-Document Uploaded. - Seller-05/07/2026 | Resolved-Validation Resolved' - Due Diligence Vendor-05/07/2026 |  |  | xxxxxx proof of ownership.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 864510 | xxxxxx | D A | Closed | xxxxxx | 2026-04-30 22:01 | 2026-05-06 18:37 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Received loan approval - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. - Seller-05/06/2026 <br> Open-Approval Certificate is missing - Due Diligence Vendor-05/01/2026 | Ready for Review-Document Uploaded. - Seller-05/06/2026 | Resolved-Received loan approval - Due Diligence Vendor-05/07/2026 |  |  | APPROVAL CERTIFICATE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 864518 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-12 06:55 | 2026-05-14 07:28 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/14/2026 <br> Ready for Review-Document Uploaded. - Seller-05/13/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap Credit Report dated 04/10/2026 is Expired and is greater than 10 days from the Closing date xxxxxx. Provide updated Gap Credit Report - Due Diligence Vendor-05/12/2026 | Ready for Review-Document Uploaded. - Seller-05/13/2026 | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/14/2026 |  |  | xxxxxx Gap.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864518 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-12 23:54 | 2026-05-13 05:40 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved- - Due Diligence Vendor-05/13/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/13/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 331 and the Final Closing disclosure on Pg#'s 196, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 351. An interior and exterior appraisal was completed for this property – see pg 26, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 397, and confirmation the appraisal was delivered to the borrower – see Pg#'s 410. The loan meets HPML guidelines. - Due Diligence Vendor-05/13/2026 <br> Open-The loan's (8.894%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-05/13/2026 <br> Open- - Due Diligence Vendor-05/13/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/13/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864518 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-06 06:07 | 2026-05-13 05:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD and related COC received - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. - Seller-05/12/2026 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD and related COC. - Due Diligence Vendor-05/06/2026 | Ready for Review-Document Uploaded. - Seller-05/12/2026 | Resolved-Initial CD and related COC received - Due Diligence Vendor-05/13/2026 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864519 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-19 13:21 | 2026-06-01 14:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-06/01/2026 <br> Waived-Audited Reserves of 4.05 month(s) are less than Guideline Required Reserves of 6 month(s) Exception page 357<br> Exception Reason- Min Subject Months Reserves 4.05 months, GL Requirement 6 months - Due Diligence Vendor-05/19/2026 |  | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-06/01/2026 <br> Waived-Audited Reserves of 4.05 month(s) are less than Guideline Required Reserves of 6 month(s) Exception page 357<br> Exception Reason- Min Subject Months Reserves 4.05 months, GL Requirement 6 months - Due Diligence Vendor-05/19/2026 | DTI is 20.92%. Maximum allowed per guidelines is 50%.<br> Credit Score is 785. Minimum required per guidelines is 700.<br> Residual Income is $7560.73. Minimum Residual Income required per guidelines is $1800. <br> Borrower Contribution >5% above min- Loan File 20% of sales price, GL Requirement 10% of sales price | DTI is 20.92%. Maximum allowed per guidelines is 50%.<br> Credit Score is 785. Minimum required per guidelines is 700.<br> Residual Income is $7560.73. Minimum Residual Income required per guidelines is $1800. <br> Borrower Contribution >5% above min- Loan File 20% of sales price, GL Requirement 10% of sales price |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 864519 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-20 01:46 | 2026-05-20 04:53 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved - Due Diligence Vendor-05/20/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/20/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 340 and the Final Closing disclosure on page 181 reflects escrows. Rate lock date was entered correctly – see page 391. An interior and exterior appraisal was completed for this property – see page 41, the appraisal disclosure was provided to the borrower(s)- see page 430-433 and copy of the appraisal was given to the borrower – see page 153-154. The loan meets HPML guidelines. - Due Diligence Vendor-05/20/2026 <br> Open- - Due Diligence Vendor-05/20/2026 <br> Open-The loan's (8.074%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-05/20/2026 <br> Open- - Due Diligence Vendor-05/20/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/20/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 340 and the Final Closing disclosure on page 181 reflects escrows. Rate lock date was entered correctly – see page 391. An interior and exterior appraisal was completed for this property – see page 41, the appraisal disclosure was provided to the borrower(s)- see page 430-433 and copy of the appraisal was given to the borrower – see page 153-154. The loan meets HPML guidelines. - Due Diligence Vendor-05/20/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864519 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-19 14:04 | 2026-05-20 04:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD's dated xxxxxx and related COC's were received - Due Diligence Vendor-05/20/2026 <br> Ready for Review-Document Uploaded. - Seller-05/19/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD's dated (2) xxxxxx and related COC's - Due Diligence Vendor-05/19/2026 | Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Revised CD's dated xxxxxx and related COC's were received - Due Diligence Vendor-05/20/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CC xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864519 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-15 03:26 | 2026-05-20 04:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD dated xxxxxx and related COC received - Due Diligence Vendor-05/20/2026 <br> Ready for Review-Document Uploaded. - Seller-05/19/2026 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD dated xxxxxx and related COC - Due Diligence Vendor-05/15/2026 | Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Initial CD dated xxxxxx and related COC received - Due Diligence Vendor-05/20/2026 |  |  | xxxxxx CD.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864519 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-20 01:46 | 2026-05-20 04:47 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-COC dated xxxxxx was provided - Due Diligence Vendor-05/20/2026 <br> Resolved- - Due Diligence Vendor-05/20/2026 <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: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Points - Loan Discount Fee added in final CD for which we do not have COC in file. - Due Diligence Vendor-05/20/2026 <br> Open- - Due Diligence Vendor-05/20/2026 |  | Resolved-COC dated xxxxxx was provided - Due Diligence Vendor-05/20/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864520 | xxxxxx | D A | Closed | xxxxxx | 2026-05-04 12:51 | 2026-05-06 03:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/06/2026 <br> Resolved-Property Tax supporting documentation received - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. xxxxxx Tax is the xxxxxx. - Seller-05/05/2026 <br> Open-Missing Evidence of Property Tax Provide Tax Cert reflecting tax amounts that are reflected on the Final CD. Property Tax iao xxxxxx/ month, City Tax iao xxxxxx/month and County Tax iao xxxxxx/ month. - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. xxxxxx Tax is the xxxxxx. - Seller-05/05/2026 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/06/2026 <br> Resolved-Property Tax supporting documentation received - Due Diligence Vendor-05/06/2026 |  |  | Tax Cert.pdf<br> County tax bill.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864520 | xxxxxx | D A | Closed | xxxxxx | 2026-04-29 06:07 | 2026-05-04 13:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.166%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 347 and the Final Closing disclosure on Pg# 190 reflects escrows. Rate lock date was entered correctly see Pg# 381 An interior and exterior appraisal was completed for this property – see Page# 20 the appraisal disclosure was provided to the borrower(s)- see Pg#432 , and copy of the appraisal was given to the borrower see Pg# 237 for the copy of the disclosure. The loan meets HPML guidelines.<br>- Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <br> Open- - Due Diligence Vendor-04/29/2026 |  | Resolved-The loan's (9.166%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 347 and the Final Closing disclosure on Pg# 190 reflects escrows. Rate lock date was entered correctly see Pg# 381 An interior and exterior appraisal was completed for this property – see Page# 20 the appraisal disclosure was provided to the borrower(s)- see Pg#432 , and copy of the appraisal was given to the borrower see Pg# 237 for the copy of the disclosure. The loan meets HPML guidelines.<br>- Due Diligence Vendor-04/29/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864521 | xxxxxx | A | Closed | xxxxxx | 2026-04-27 03:31 | 2026-05-04 04:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-05/04/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <br> Resolved-The loan's (9.913%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 441-442 and the Final Closing disclosure on Pg#'s 276-281 reflects escrows. Rate lock date was entered correctly – see Pg#'s 469-470 An interior and exterior appraisal was completed for this property – see pg 23-112 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 536, and copy of the appraisal was given to the borrower – see Pg#'s 244for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/27/2026 <br> Open- - Due Diligence Vendor-05/01/2026 <br> Open- - Due Diligence Vendor-04/27/2026 <br> Open- - Due Diligence Vendor-04/27/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-05/04/2026 <br> Resolved-The loan's (9.913%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 441-442 and the Final Closing disclosure on Pg#'s 276-281 reflects escrows. Rate lock date was entered correctly – see Pg#'s 469-470 An interior and exterior appraisal was completed for this property – see pg 23-112 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 536, and copy of the appraisal was given to the borrower – see Pg#'s 244for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/27/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864522 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-23 03:48 | 2026-04-30 09:25 | Cured | 2 - Non-Material C B | Compliance | xxxxxx | xxxxxx Fee Not Allowed- Document Storage/Archive/Copies (Fee ID: 998) | Cured-PCCD,LOX, Refund and proof of delivery provided. Cured. - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. Cure attached. - Seller-04/28/2026 <br> Open-Section 3:1-16.2 of the xxxxxx Mortgage Loans, Fees, Obligations Provisions (xxxxxx. 3:1-16.2) does not allow Document Storage/Archive/Copies (Fee ID: 998) to be charged to the Borrower in xxxxxx. Document Storage/Archive/Copies is not a xxxxxx permitted fee and may be cured if the client refunds the fee violation and provides Selene a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-04/23/2026 <br> Open- - Due Diligence Vendor-04/23/2026 <br> Open- - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. Cure attached. - Seller-04/28/2026 | Cured-PCCD,LOX, Refund and proof of delivery provided. Cured. - Due Diligence Vendor-04/30/2026 |  |  | xxxxxx - xxxxxx.pdf<br> xxxxxx - PCCD.pdf<br> Check - xxxxxx.pdf<br> xxxxxx - LOX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864522 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-23 03:36 | 2026-04-23 03:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 4.53 month(s) are less than Guideline Required Reserves of 6 month(s) Exception page 803<br> Exception Reason- Min Subject Months Reserves- Loan File 4.53 months, GL Requirement 6 month for 2 to 4 units with 85% LTV<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/23/2026 |  | Waived-Audited Reserves of 4.53 month(s) are less than Guideline Required Reserves of 6 month(s) Exception page 803<br> Exception Reason- Min Subject Months Reserves- Loan File 4.53 months, GL Requirement 6 month for 2 to 4 units with 85% LTV<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-04/23/2026 | 24.953% DTI is below the maximum 50% DTI by 25.05%.<br> 774 Representative credit score exceeds the minimum required of 700 by 74 points<br> Borrower has $22,175 residual income after all expenses. Minimum required per guideline is $1,650.<br> Tradelines exceed min- Loan File 3 for 24 months and 1 for 17 months, GL Requirement 3x12 months or 2x18 months<br> Housing Payment History- Loan File 0x30x13 months, GL Requirement 0x30x6 months<br>| 24.953% DTI is below the maximum 50% DTI by 25.05%.<br> 774 Representative credit score exceeds the minimum required of 700 by 74 points<br> Borrower has $22,175 residual income after all expenses. Minimum required per guideline is $1,650.<br> Tradelines exceed min- Loan File 3 for 24 months and 1 for 17 months, GL Requirement 3x12 months or 2x18 months<br> Housing Payment History- Loan File 0x30x13 months, GL Requirement 0x30x6 months<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 864522 | xxxxxx | C B A | Closed | xxxxxx | 2026-04-17 03:43 | 2026-04-30 09:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-04/30/2026 <br> Resolved- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Resolved-The loan's (9.332%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 580-581 and the Final Closing disclosure on Pg#'s 397-402 reflects escrows. Rate lock date was entered correctly – see Pg#'s 612-613 An interior and exterior appraisal was completed for this property – see pg 38-68 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 692, and copy of the appraisal was given to the borrower – see Pg#'s 702 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/17/2026 <br> Open- - Due Diligence Vendor-04/23/2026 <br> Open- - Due Diligence Vendor-04/23/2026 <br> Open- - Due Diligence Vendor-04/17/2026 <br> Open- - Due Diligence Vendor-04/17/2026 |  | Resolved-This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-04/30/2026 <br> Resolved- - Due Diligence Vendor-04/30/2026 <br> Resolved-The loan's (9.332%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 580-581 and the Final Closing disclosure on Pg#'s 397-402 reflects escrows. Rate lock date was entered correctly – see Pg#'s 612-613 An interior and exterior appraisal was completed for this property – see pg 38-68 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 692, and copy of the appraisal was given to the borrower – see Pg#'s 702 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-04/17/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864523 | xxxxxx | C A | Closed | xxxxxx | 2026-05-05 02:36 | 2026-05-13 05:35 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-COC dated xxxxxx received - Due Diligence Vendor-05/13/2026 <br> Resolved-Resolved - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. - Seller-05/12/2026 <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: Condo Questionnaire. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Condo Questionnaire Fee increased from Initial LE to Final CD Provide COC - Due Diligence Vendor-05/05/2026 <br> Open- - Due Diligence Vendor-05/10/2026 <br> Open- - Due Diligence Vendor-05/10/2026 <br> Open- - Due Diligence Vendor-05/10/2026 <br> Open- - Due Diligence Vendor-05/10/2026 <br> Open- - Due Diligence Vendor-05/10/2026 <br> Open- - Due Diligence Vendor-05/05/2026 <br> Open- - Due Diligence Vendor-05/05/2026 | Ready for Review-Document Uploaded. - Seller-05/12/2026 | Resolved-COC dated xxxxxx received - Due Diligence Vendor-05/13/2026 <br> Resolved-Resolved - Due Diligence Vendor-05/13/2026 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864524 | xxxxxx | D A | Closed | xxxxxx | 2026-04-22 22:36 | 2026-04-29 04:31 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested 1008 document provided, updated & condition resolved.<br> - Due Diligence Vendor-04/29/2026 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/29/2026 <br> Ready for Review-Document Uploaded. - Seller-04/28/2026 <br> Open-The 1008 document is missing from the loan file. Provide final 1008. - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. - Seller-04/28/2026 | Resolved-Requested 1008 document provided, updated & condition resolved.<br> - Due Diligence Vendor-04/29/2026 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/29/2026 |  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864524 | xxxxxx | D A | Closed | xxxxxx | 2026-04-23 02:16 | 2026-04-28 12:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.913%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-04/23/2026 <br> Open- - Due Diligence Vendor-04/28/2026 <br> Open- - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/23/2026 <br> Open- - Due Diligence Vendor-04/23/2026 |  | Resolved-The loan's (8.913%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan passes HPML guidelines and is a HPML Compliant loan. - Due Diligence Vendor-04/23/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864526 | xxxxxx | A | Closed | xxxxxx | 2026-04-16 05:52 | 2026-04-22 09:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.017%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 387, and the Final Closing disclosure on Pg#'s 222, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 421. An interior and exterior appraisal was completed for this property – see pg 34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 491-492, and confirmation the appraisal was delivered to the borrower – see Pg#'s 193. The loan meets HPML guidelines. - Due Diligence Vendor-04/16/2026 <br> Open- - Due Diligence Vendor-04/22/2026 <br> Open- - Due Diligence Vendor-04/16/2026 |  | Resolved-The loan's (8.017%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 387, and the Final Closing disclosure on Pg#'s 222, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 421. An interior and exterior appraisal was completed for this property – see pg 34, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 491-492, and confirmation the appraisal was delivered to the borrower – see Pg#'s 193. The loan meets HPML guidelines. - Due Diligence Vendor-04/16/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864528 | xxxxxx | D A | Closed | xxxxxx | 2026-05-04 02:26 | 2026-05-12 08:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Borrower 1 ITIN Information | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-05/12/2026 <br> Resolved-Requested ITIN card for B1 provided, updated & condition resolved. - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. - Seller-05/11/2026 <br> Open-Provide ITIN supporting documentation for B1 - Due Diligence Vendor-05/04/2026 | Ready for Review-Document Uploaded. - Seller-05/11/2026 | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-05/12/2026 <br> Resolved-Requested ITIN card for B1 provided, updated & condition resolved. - Due Diligence Vendor-05/12/2026 |  |  | Borrower docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864528 | xxxxxx | D A | Closed | xxxxxx | 2026-05-04 01:22 | 2026-05-08 12:04 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.982%) APR equals or exceeds the Federal HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 655 and the Final Closing disclosure on page 182 reflects escrows. Rate lock date was entered correctly – see page 691 An interior and exterior appraisal was completed for this property – see page 23, the appraisal disclosure was provided to the borrower(s)- see page 796-797 and copy of the appraisal was given to the borrower – see page 812-813. The loan meets HPML guidelines. - Due Diligence Vendor-05/04/2026 <br> Open- - Due Diligence Vendor-05/08/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <br> Open- - Due Diligence Vendor-05/04/2026 |  | Resolved-The loan's (7.982%) APR equals or exceeds the Federal HPML threshold of (7.62%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 655 and the Final Closing disclosure on page 182 reflects escrows. Rate lock date was entered correctly – see page 691 An interior and exterior appraisal was completed for this property – see page 23, the appraisal disclosure was provided to the borrower(s)- see page 796-797 and copy of the appraisal was given to the borrower – see page 812-813. The loan meets HPML guidelines. - Due Diligence Vendor-05/04/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864528 | xxxxxx | D A | Closed | xxxxxx | 2026-05-04 01:22 | 2026-05-08 12:04 | Resolved | 1 - Information A | Compliance | HigherRisk:APR | xxxxxx - Nonprime Home Loan (First Lien) (xxxxxx) | Resolved-This is a xxxxxx Nonprime Home Loan. The loan's (7.982%) APR equals or exceeds the xxxxxx Nonprime Home Loan threshold of (7.62%). The difference is (0.362). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%). (xxxxxx. Gen. Stat. 36a-760(a)(7)) The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/04/2026 <br> Open- - Due Diligence Vendor-05/08/2026 <br> Open- - Due Diligence Vendor-05/04/2026 <br> Open- - Due Diligence Vendor-05/04/2026 |  | Resolved-This is a xxxxxx Loan. The loan's (7.982%) APR equals or exceeds the xxxxxx Loan threshold of (7.62%). The difference is (0.362). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.12%). (xxxxxx. Gen. Stat. 36a-760(a)(7)) The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/04/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864530 | xxxxxx | A | Closed | xxxxxx | 2026-04-15 04:21 | 2026-04-20 04:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-04/20/2026 <br> Resolved-The loan's (8.796%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 298, 307 and the Final Closing disclosure on Pg#'s 96, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 333. An interior and exterior appraisal was completed for this property – see pg# 35, 65, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 407, and confirmation the appraisal was delivered to the borrower – see Pg#'s 78. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/20/2026 <br> Open- - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 <br> Open- - Due Diligence Vendor-04/15/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-04/20/2026 <br> Resolved-The loan's (8.796%) APR equals or exceeds the Federal HPML threshold of (7.72%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 298, 307 and the Final Closing disclosure on Pg#'s 96, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 333. An interior and exterior appraisal was completed for this property – see pg# 35, 65, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 407, and confirmation the appraisal was delivered to the borrower – see Pg#'s 78. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-04/15/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 864531 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864532 | xxxxxx | D A | Closed | xxxxxx | 2026-05-13 08:37 | 2026-05-14 05:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Supporting documentation as to Country of Origin of the borrower received. Borrower is from xxxxxx. - Due Diligence Vendor-05/14/2026 <br> Ready for Review-Document Uploaded. - Seller-05/13/2026 <br> Open-Provide supporting documentation as to Country of Origin of the borrower per OFAC requirements. - Due Diligence Vendor-05/13/2026 | Ready for Review-Document Uploaded. - Seller-05/13/2026 | Resolved-Supporting documentation as to Country of Origin of the borrower received. Borrower is from xxxxxx. - Due Diligence Vendor-05/14/2026 |  |  | xxxxxx Origin.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864533 | xxxxxx | A | Closed | xxxxxx | 2026-04-24 00:55 | 2026-05-07 14:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/07/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 354 and the Final Closing disclosure on page 137 reflects escrows. Rate lock date was entered correctly – see page 394. An interior and exterior appraisal was completed for this property – see page 29, the appraisal disclosure was provided to the borrower(s)- see page 433 and copy of the appraisal was given to the borrower – see page 110-111. The loan meets HPML guidelines. - Due Diligence Vendor-05/07/2026 <br> Open- - Due Diligence Vendor-05/07/2026 <br> Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.475%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.52%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.02%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/24/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/07/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 354 and the Final Closing disclosure on page 137 reflects escrows. Rate lock date was entered correctly – see page 394. An interior and exterior appraisal was completed for this property – see page 29, the appraisal disclosure was provided to the borrower(s)- see page 433 and copy of the appraisal was given to the borrower – see page 110-111. The loan meets HPML guidelines. - Due Diligence Vendor-05/07/2026 <br> Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.475%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (7.52%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.02%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/24/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864533 | xxxxxx | A | Closed | xxxxxx | 2026-04-24 00:55 | 2026-05-07 14:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/07/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 354 and the Final Closing disclosure on page 137 reflects escrows. Rate lock date was entered correctly – see page 394. An interior and exterior appraisal was completed for this property – see page 29, the appraisal disclosure was provided to the borrower(s)- see page 433 and copy of the appraisal was given to the borrower – see page 110-111. The loan meets HPML guidelines. - Due Diligence Vendor-05/07/2026 <br> Open- - Due Diligence Vendor-05/07/2026 <br> Resolved-The loan's (8.475%) APR equals or exceeds the Federal HPML threshold of (7.52%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.02%).(12 CFR 1026.35(a)(1)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/24/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/29/2026 <br> Open- - Due Diligence Vendor-04/24/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/07/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 354 and the Final Closing disclosure on page 137 reflects escrows. Rate lock date was entered correctly – see page 394. An interior and exterior appraisal was completed for this property – see page 29, the appraisal disclosure was provided to the borrower(s)- see page 433 and copy of the appraisal was given to the borrower – see page 110-111. The loan meets HPML guidelines. - Due Diligence Vendor-05/07/2026 <br> Resolved-The loan's (8.475%) APR equals or exceeds the Federal HPML threshold of (7.52%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.02%).(12 CFR 1026.35(a)(1)(i)) The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-04/24/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864534 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864535 | xxxxxx | D B A | Closed | xxxxxx | 2026-04-30 01:09 | 2026-05-07 03:08 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested 1008 document provided, updated & condition resolved. - Due Diligence Vendor-05/07/2026 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. - Seller-05/06/2026 <br> Open-The 1008 document is missing from the loan file. Provide 1008 - Due Diligence Vendor-04/30/2026 | Ready for Review-Document Uploaded. - Seller-05/06/2026 | Resolved-Requested 1008 document provided, updated & condition resolved. - Due Diligence Vendor-05/07/2026 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/07/2026 |  |  | xxxxxx 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864535 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-06 12:44 | 2026-05-06 13:36 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page 697<br> Exception Reason: OTHER- Co-Borrower country of birth: xxxxxx<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/06/2026 |  | Waived-Loan does not conform to program guidelines Exception page 697<br> Exception Reason: OTHER- Co-Borrower country of birth: xxxxxx<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/06/2026 | Calculated DTI is 20.72 as per GL available up to 50%<br> Credit Score is 763 as per GL 700 is sufficient<br> Residual Income available is $17,011.64 required is $1950<br> Housing Payment History is 0x30x26 met the requirement. | Calculated DTI is 20.72 as per GL available up to 50%<br> Credit Score is 763 as per GL 700 is sufficient<br> Residual Income available is $17,011.64 required is $1950<br> Housing Payment History is 0x30x26 met the requirement. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 864619 | xxxxxx | D B C A | Closed | xxxxxx | 2026-03-10 18:15 | 2026-04-30 11:33 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Bank Statement Summary / Lender Worksheet Missing | Waived-Exception is for having 11 months of statements in file for income. May of 2025 is not being used as borrower closed that account out for May of 2025 and reason no ending balance being reported. Exception is for using 11 months of bank statements rather than 12 but still using calculation for 12 months. - Due Diligence Vendor-03/11/2026 <br> Waived-Exception is for having 11 months of statements in file for income. May of 2025 is not being used as borrower closed that account out for May of 2025 and reason no ending balance being reported. Exception is for using 11 months of bank statements rather than 12 but still using calculation for 12 months. - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. UW lox, 1008/1008, bank stmt calcs & income calc worksheets - Seller-03/20/2026 <br> Counter-Please provide an updated legible income worksheet. (2nd page of upload numbers appear to be transposed.) - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. Updated Income Worksheet. Bank Statements. Exception approval and 1003/1008 - Seller-03/11/2026 | Ready for Review-Document Uploaded. UW lox, 1008/1008, bank stmt calcs & income calc worksheets - Seller-03/20/2026 <br> Ready for Review-Document Uploaded. Updated Income Worksheet. Bank Statements. Exception approval and 1003/1008 - Seller-03/11/2026 | Waived-Exception is for having 11 months of statements in file for income. May of 2025 is not being used as borrower closed that account out for May of 2025 and reason no ending balance being reported. Exception is for using 11 months of bank statements rather than 12 but still using calculation for 12 months. - Due Diligence Vendor-04/30/2026 | Residual Income $9845<br> Reserves on file $32,214.63 | Residual Income $9845<br> Reserves on file $32,214.63 | Income Worksheets.pdf<br> Statement xxxxxx.pdf<br> Statement xxxxxx.pdf<br> Exception Approval.pdf<br> 1003.1008.pdf<br> xxxxxx uw lox.pdf<br> xxxxxx Bank Stmt Calc Batch xxxxxx xxxxxx.pdf<br> xxxxxx 1008-1003.pdf<br> xxxxxx Bank Stmt Calc Batch xxxxxx xxxx xxxxxx.pdf<br> xxxxxx Bank Stmt Calc Batch xxxxxx xxxxxx.pdf<br> xxxxxx Bank Stmt Calc Batch xxxxxx xxxxxx.pdf<br> xxxxxx Bank Stmt Calc Batch xxxxxx xxxxxx.pdf<br> xxxxxx Bank Stmt Calc Batch xxxxxx xxxxxx.pdf<br> Income Calculation Worksheet.pdf<br> Income Calculation Worksheet2.pdf<br> Income Calculation Worksheet3.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 864619 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-16 08:12 | 2026-01-26 13:10 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Document Uploaded - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Closer/Funder incorrectly increased the lenders title policy and decreased the Owner's Title policy totaling the overall same amount. Please find the Final Settlement Statement and updated PCCD attached, which reflects the actual correct fees. - Seller-01/23/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($3,048.00) has increased by more than 10% over the current baseline value of ($2,687.00). The total amount of fees in the 10% category cannot exceed ($2,955.70). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Lender's Title Policy). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Lender's title policy is increased from $972 (revised CD) to $1,398 (final CD). Provide a valid COC to cure this. - Due Diligence Vendor-01/16/2026 <br> Open- - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. Closer/Funder incorrectly increased the lenders title policy and decreased the Owner's Title policy totaling the overall same amount. Please find the Final Settlement Statement and updated PCCD attached, which reflects the actual correct fees. - Seller-01/23/2026 | Resolved-Document Uploaded - Due Diligence Vendor-01/26/2026 |  |  | xxxxxx Final SS.pdf<br> xxxxxx PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864619 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-16 08:12 | 2026-01-21 09:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.851%) APR equals or exceeds the Federal HPML threshold of (7.77%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.27%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 381 and the Final Closing disclosure on page # 159-164 reflects escrows. Rate lock is on page # 401. An interior and exterior appraisal was completed for this property – see page # 30-54, the appraisal disclosure was provided to the borrower(s)- see page # 142, 143 and confirmation the appraisal was delivered to the borrower – see page # 142, 143. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/16/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/16/2026 |  | Resolved-The loan's (7.851%) APR equals or exceeds the Federal HPML threshold of (7.77%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.27%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 381 and the Final Closing disclosure on page # 159-164 reflects escrows. Rate lock is on page # 401. An interior and exterior appraisal was completed for this property – see page # 30-54, the appraisal disclosure was provided to the borrower(s)- see page # 142, 143 and confirmation the appraisal was delivered to the borrower – see page # 142, 143. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/16/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864619 | xxxxxx | D B C A | Closed | xxxxxx | 2026-01-16 08:12 | 2026-01-21 09:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.851%) equals or exceeds the xxxxxx HPML threshold of (7.77%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.27%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 381 and the Final Closing disclosure on page # 159-164 reflects escrows. Rate lock is on page # 401. An interior and exterior appraisal was completed for this property – see page # 30-54, the appraisal disclosure was provided to the borrower(s)- see page # 142, 143 and confirmation the appraisal was delivered to the borrower – see page # 142, 143. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/16/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/16/2026 |  | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.851%) equals or exceeds the xxxxxx HPML threshold of (7.77%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.27%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 381 and the Final Closing disclosure on page # 159-164 reflects escrows. Rate lock is on page # 401. An interior and exterior appraisal was completed for this property – see page # 30-54, the appraisal disclosure was provided to the borrower(s)- see page # 142, 143 and confirmation the appraisal was delivered to the borrower – see page # 142, 143. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-01/16/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864627 | xxxxxx | D A | Closed | xxxxxx | 2026-05-07 00:12 | 2026-05-18 21:32 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation (CDA) uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/19/2026 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/19/2026 <br> Ready for Review-Document Uploaded. CDA attached - Seller-05/18/2026 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 The file is missing secondary valuation or additional valuation. Provide a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or an appraisal desk review.<br> - Due Diligence Vendor-05/07/2026 | Ready for Review-Document Uploaded. CDA attached - Seller-05/18/2026 | Resolved-Secondary Valuation (CDA) uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/19/2026 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/19/2026 |  |  | CDA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864627 | xxxxxx | D A | Closed | xxxxxx | 2026-05-06 22:26 | 2026-05-13 03:13 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/13/2026 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/13/2026 <br> Ready for Review-Document Uploaded. 1008 - Seller-05/12/2026 <br> Open-The 1008 document is missing from the loan file. 1008 document is missing provide 1008 document. - Due Diligence Vendor-05/07/2026 | Ready for Review-Document Uploaded. 1008 - Seller-05/12/2026 | Resolved-1008 Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-05/13/2026 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-05/13/2026 |  |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864659 | xxxxxx | D A | Closed | xxxxxx | 2026-05-06 08:30 | 2026-05-12 05:28 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested Secondary valuation(LCA) Provided, Updated & Condition Resolved - Due Diligence Vendor-05/12/2026 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-05/11/2026 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Per the Guideline version 02/20/2026 on page#71, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-05/06/2026 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-05/11/2026 | Resolved-Requested Secondary valuation(LCA) Provided, Updated & Condition Resolved - Due Diligence Vendor-05/12/2026 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-05/12/2026 |  |  | xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864695 | xxxxxx | C A | Closed | xxxxxx | 2026-05-13 00:10 | 2026-05-20 05:40 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-05/20/2026 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/20/2026 <br> Ready for Review-Document Uploaded. Fraud Report - Seller-05/19/2026 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 02/20/2026 on page#26 a clear fraud report is required. The fraud report in file pg#635 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-05/13/2026 | Ready for Review-Document Uploaded. Fraud Report - Seller-05/19/2026 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist. - Due Diligence Vendor-05/20/2026 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/20/2026 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 864700 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 864707 | xxxxxx | D A | Closed | xxxxxx | 2026-05-29 05:08 | 2026-05-29 13:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. - Seller-05/29/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC - Due Diligence Vendor-05/29/2026 | Ready for Review-Document Uploaded. - Seller-05/29/2026 | Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-05/29/2026 |  |  | Profit CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 864707 | xxxxxx | D A | Closed | xxxxxx | 2026-05-26 04:23 | 2026-05-29 13:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD dated xxxxxx and related COC received - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. - Seller-05/29/2026 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD dated xxxxxx and related COC - Due Diligence Vendor-05/26/2026 | Ready for Review-Document Uploaded. - Seller-05/29/2026 | Resolved-Initial CD dated xxxxxx and related COC received - Due Diligence Vendor-05/29/2026 |  |  | Profit CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 864707 | xxxxxx | D A | Closed | xxxxxx | 2026-05-29 13:03 | 2026-05-29 13:05 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-Resolved - Due Diligence Vendor-05/29/2026 <br> Open-You submitted a Last Loan Estimate Received Date (xxxxxx) earlier than the Last Loan Estimate Date (xxxxxx). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(e)) . - Due Diligence Vendor-05/29/2026 |  | Resolved-Resolved - Due Diligence Vendor-05/29/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 864739 | xxxxxx | D A | Closed | xxxxxx | 2026-03-13 08:16 | 2026-03-17 12:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-updated 1003 received - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. Updated 1003 - Seller-03/17/2026 <br> Open-Bwr 2 final 1003 states married - vesting on DOT and Title "XXX, a sngle man, and XXX, a single woman" - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. Updated 1003 - Seller-03/17/2026 | Resolved-updated 1003 received - Due Diligence Vendor-03/17/2026 |  |  | 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 864739 | xxxxxx | D A | Closed | xxxxxx | 2026-03-11 12:14 | 2026-03-16 03:07 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-LCA (xxxxxx SSR) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-03/16/2026 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. xxxxxx SSR - LCA score of 2.5 - Seller-03/14/2026 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Per the Guideline version 02/20/2026 on page#71, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. xxxxxx SSR - LCA score of 2.5 - Seller-03/14/2026 | Resolved-LCA (xxxxxx SSR) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-03/16/2026 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-03/16/2026 |  |  | xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865229 | xxxxxx | D A B | Closed | xxxxxx | 2026-05-12 11:34 | 2026-05-15 05:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial LE provided, resolved. - Due Diligence Vendor-05/15/2026 <br> Ready for Review-See 1003 condition. - Seller-05/14/2026 <br> Counter-Documents received are for loan number xxxxxx. Provide documents Initial LE and related COC for subject loan - Due Diligence Vendor-05/14/2026 <br> Ready for Review-Document Uploaded. - Seller-05/13/2026 <br> Open-TRID: Missing Closing Disclosure Provide Initial LE and related COC - Due Diligence Vendor-05/12/2026 | Ready for Review-See 1003 condition. - Seller-05/14/2026 <br> Ready for Review-Document Uploaded. - Seller-05/13/2026 | Resolved-Initial LE provided, resolved. - Due Diligence Vendor-05/15/2026 |  |  | xxxxxx Initial Disc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865229 | xxxxxx | D A B | Closed | xxxxxx | 2026-05-06 05:30 | 2026-05-15 05:23 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/15/2026 <br> Resolved-he loan's (7.943%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 324 and the Final Closing disclosure on page 172 reflects escrows. Rate lock date was entered correctly – see page 357. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s) is Missing and copy of the appraisal was given to the borrower is in FIndings. The loan meets HPML guidelines. - Due Diligence Vendor-05/14/2026 <br> Ready for Review-Document Uploaded. - Seller-05/13/2026 <br> Open-The loan's (7.943%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 324 and the Final Closing disclosure on page 172 reflects escrows. Rate lock date was entered correctly – see page 357. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s) is Missing and copy of the appraisal was given to the borrower is Missing. The loan does not meet HPML guidelines. Provide evidence of appraisal delivery to the borrower and appraisal disclosure was provided to the borrower. - Due Diligence Vendor-05/06/2026 <br> Open- - Due Diligence Vendor-05/12/2026 <br> Open- - Due Diligence Vendor-05/06/2026 | Ready for Review-Document Uploaded. - Seller-05/13/2026 | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/15/2026 <br> Resolved-he loan's (7.943%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 324 and the Final Closing disclosure on page 172 reflects escrows. Rate lock date was entered correctly – see page 357. An interior and exterior appraisal was completed for this property – see page 25, the appraisal disclosure was provided to the borrower(s) is Missing and copy of the appraisal was given to the borrower is in FIndings. The loan meets HPML guidelines. - Due Diligence Vendor-05/14/2026 |  |  | Appraisal proof.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865229 | xxxxxx | D A B | Closed | xxxxxx | 2026-05-12 10:53 | 2026-05-15 05:15 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure provided, resolved. - Due Diligence Vendor-05/15/2026 <br> Ready for Review-See 1003 condition. - Seller-05/14/2026 <br> Counter-Documents received are for loan number xxxxxx. Provide documents for subject loan/borrower/property. - Due Diligence Vendor-05/14/2026 <br> Ready for Review-Document Uploaded. Shouldn't have to upload a condition that clears everything several times. - Seller-05/13/2026 <br> Open-Provide Homeownership Counseling Disclosure - Due Diligence Vendor-05/12/2026 | Ready for Review-See 1003 condition. - Seller-05/14/2026 <br> Ready for Review-Document Uploaded. Shouldn't have to upload a condition that clears everything several times. - Seller-05/13/2026 | Resolved-Homeownership Counseling Disclosure provided, resolved. - Due Diligence Vendor-05/15/2026 |  |  | xxxxxx Initial Disc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865229 | xxxxxx | D A B | Closed | xxxxxx | 2026-05-12 10:52 | 2026-05-15 05:15 | Resolved | 1 - Information B A | Credit | Doc Issue | Affiliated Business Arrangement Disclosure Statement is Missing | Resolved-Affiliated Business Arrangement Disclosure provided, resolved. - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Affiliated Business Arrangement Disclosure provided, resolved. - Due Diligence Vendor-05/15/2026 <br> Ready for Review-See 1003 condition. - Seller-05/14/2026 <br> Counter-Documents received are for loan number xxxxxx. Provide documents for subject loan/borrower/property. - Due Diligence Vendor-05/14/2026 <br> Ready for Review-See other condition. - Seller-05/14/2026 <br> Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-05/12/2026 | Ready for Review-See 1003 condition. - Seller-05/14/2026 <br> Ready for Review-See other condition. - Seller-05/14/2026 | Resolved-Affiliated Business Arrangement Disclosure provided, resolved. - Due Diligence Vendor-05/15/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865229 | xxxxxx | D A B | Closed | xxxxxx | 2026-05-12 10:52 | 2026-05-15 05:14 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Intent to proceed provided, resolved. - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. - Seller-05/14/2026 <br> Counter-Documents received are for loan number xxxxxx. Provide documents for subject loan/borrower/property. - Due Diligence Vendor-05/14/2026 <br> Ready for Review-See other condition. - Seller-05/14/2026 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed - Due Diligence Vendor-05/12/2026 | Ready for Review-Document Uploaded. - Seller-05/14/2026 <br> Ready for Review-See other condition. - Seller-05/14/2026 | Resolved-Intent to proceed provided, resolved. - Due Diligence Vendor-05/15/2026 |  |  | xxxxxx ITP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865229 | xxxxxx | D A B | Closed | xxxxxx | 2026-05-06 06:05 | 2026-05-15 05:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 provided, resolved. - Due Diligence Vendor-05/15/2026 <br> Ready for Review-Document Uploaded. - Seller-05/14/2026 <br> Counter-Documents received are for loan number xxxxxx. Provide documents for subject loan/borrower/property. - Due Diligence Vendor-05/14/2026 <br> Ready for Review-Document Uploaded. This should clear all conditions. - Seller-05/12/2026 <br> Open-Required initial 1003 to confirm the application date - Due Diligence Vendor-05/06/2026 | Ready for Review-Document Uploaded. - Seller-05/14/2026 <br> Ready for Review-Document Uploaded. This should clear all conditions. - Seller-05/12/2026 | Resolved-Initial 1003 provided, resolved. - Due Diligence Vendor-05/15/2026 |  |  | xxxxxx Initial Disc.pdf<br> xxxxxx xxxxxx Initial signed disc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865230 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-24 05:16 | 2026-04-28 08:09 | Resolved | 1 - Information C A | Credit | Credit | Deficient self-employment income documentation. | Resolved-Approval verifying 1 year full doc provided. - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. Corrected approval attached. - Seller-04/27/2026 <br> Open-Loan Approval reflects Full Doc 24 months; however, Matrix reflects only 1 yr for Full Doc Self Employed with • 1 Year Personal Tax Returns• 1 Year Business Tax Returns (if applicable)• YTD Borrower Prepared P&L• 1 Year IRS 1040 Transcripts. Provide clarification as to Full Doc 24 months or Full Doc 12 months. - Due Diligence Vendor-04/24/2026 | Ready for Review-Document Uploaded. Corrected approval attached. - Seller-04/27/2026 | Resolved-Approval verifying 1 year full doc provided. - Due Diligence Vendor-04/28/2026 |  |  | Updated CLA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865230 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-21 03:56 | 2026-04-28 01:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested updated 1003 by updating Housing to No primary housing expense provided, updated & condition resolved. - Due Diligence Vendor-04/28/2026 <br> Ready for Review-Document Uploaded. - Seller-04/27/2026 <br> Open- - Due Diligence Vendor-04/21/2026 | Ready for Review-Document Uploaded. - Seller-04/27/2026 | Resolved-Requested updated 1003 by updating Housing to No primary housing expense provided, updated & condition resolved. - Due Diligence Vendor-04/28/2026 |  |  | xxxxxx 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865231 | xxxxxx | D A | Closed | xxxxxx | 2026-04-23 01:16 | 2026-04-30 03:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested lender income calculator provided, updated & condition resolved. - Due Diligence Vendor-04/30/2026 <br> Resolved-Validation Resolved' - Due Diligence Vendor-04/30/2026 <br> Ready for Review-Document Uploaded. - Seller-04/29/2026 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Income Worksheet. - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. - Seller-04/29/2026 | Resolved-Requested lender income calculator provided, updated & condition resolved. - Due Diligence Vendor-04/30/2026 <br> Resolved-Validation Resolved' - Due Diligence Vendor-04/30/2026 |  |  | xxxxxx Income Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865232 | xxxxxx | D A | Closed | xxxxxx | 2026-05-13 12:32 | 2026-05-14 04:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-05/14/2026 <br> Ready for Review-Document Uploaded. - Seller-05/13/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC - Due Diligence Vendor-05/13/2026 | Ready for Review-Document Uploaded. - Seller-05/13/2026 | Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-05/14/2026 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865233 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-05 05:23 | 2026-05-08 03:23 | Resolved | 1 - Information C A | Credit | Credit | Deficient self-employment income documentation. | Resolved-Supporting income documentation received. - Due Diligence Vendor-05/08/2026 <br> Ready for Review-Document Uploaded. - Seller-05/07/2026 <br> Open-1003 and 1008 reflect B1 income iao $20,948.33; however, the Lender Calculator Worksheet page 486- 487 and the calculation validating income is as follows: Total Net Deposits of $531,925.42X 100% = $531,925.42 ownership with 50.00 % expense ratio = $265,962.71/12 months = $22,163.56 Monthly Qualifying Income. Provide clarification which amount was used as borrower's qualifying income and updated documentation. - Due Diligence Vendor-05/05/2026 | Ready for Review-Document Uploaded. - Seller-05/07/2026 | Resolved-Supporting income documentation received. - Due Diligence Vendor-05/08/2026 |  |  | xxxxxx 1003.pdf<br> xxxxxx 1003.pdf<br> xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865233 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-05 12:19 | 2026-05-07 09:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE dated xxxxxx, Revised CD dated xxxxxx and related COC's received - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. - Seller-05/06/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised LE dated xxxxxx, Revised CD dated xxxxxx and related COC's. - Due Diligence Vendor-05/05/2026 | Ready for Review-Document Uploaded. - Seller-05/06/2026 | Resolved-Revised LE dated xxxxxx, Revised CD dated xxxxxx and related COC's received - Due Diligence Vendor-05/07/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865233 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-05 04:44 | 2026-05-07 09:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated 1003 of martial status for B1 and B2 received - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. - Seller-05/07/2026 <br> Open-DOT reflects Husband and Wife; however, the Final 1003 reflect that B1 and B2 are Unmarried. Provide supporting documentation for marital status and updated documents with corrected martial status. - Due Diligence Vendor-05/05/2026 | Ready for Review-Document Uploaded. - Seller-05/07/2026 | Resolved-Updated 1003 of martial status for B1 and B2 received - Due Diligence Vendor-05/07/2026 |  |  | xxxxxx 1003.pdf<br> xxxxxx 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865233 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-30 03:55 | 2026-05-07 09:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/07/2026 <br> Open- - Due Diligence Vendor-05/07/2026 <br> Resolved-The loan's (8.689%) APR equals or exceeds the Federal HPML threshold of (7.87%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.37%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 398-399 and the Final Closing disclosure on Pg#'s 231-236 reflects escrows. Rate lock date was entered correctly – see Pg#'s 438-439 An interior and exterior appraisal was completed for this property – see pg 27-79 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 532, and copy of the appraisal was given to the borrower – see Pg#'s 263, 264 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-05/05/2026 <br> Open- - Due Diligence Vendor-04/30/2026 <br> Open- - Due Diligence Vendor-04/30/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/07/2026 <br> Resolved-The loan's (8.689%) APR equals or exceeds the Federal HPML threshold of (7.87%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.37%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 398-399 and the Final Closing disclosure on Pg#'s 231-236 reflects escrows. Rate lock date was entered correctly – see Pg#'s 438-439 An interior and exterior appraisal was completed for this property – see pg 27-79 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 532, and copy of the appraisal was given to the borrower – see Pg#'s 263, 264 for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-04/30/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865234 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-21 03:31 | 2026-05-21 06:38 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/21/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 263 and the Final Closing disclosure on page 101 reflects escrows. Rate lock date was entered correctly – see page 290. An interior and exterior appraisal was completed for this property – see page 30, the appraisal disclosure was provided to the borrower(s)- see page 328 and copy of the appraisal was given to the borrower – see page 302. The loan meets HPML guidelines. - Due Diligence Vendor-05/21/2026 <br> Open-The loan's (8.339%) APR equals or exceeds the Federal HPML threshold of (7.87%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.37%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-05/21/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/21/2026 <br> Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 263 and the Final Closing disclosure on page 101 reflects escrows. Rate lock date was entered correctly – see page 290. An interior and exterior appraisal was completed for this property – see page 30, the appraisal disclosure was provided to the borrower(s)- see page 328 and copy of the appraisal was given to the borrower – see page 302. The loan meets HPML guidelines. - Due Diligence Vendor-05/21/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865234 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-20 06:30 | 2026-05-21 03:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. - Seller-05/20/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CD dated xxxxxx and related COC - Due Diligence Vendor-05/20/2026 | Ready for Review-Document Uploaded. - Seller-05/20/2026 | Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-05/21/2026 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865234 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-20 05:03 | 2026-05-21 03:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD and related COC received - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. - Seller-05/20/2026 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD and related COC - Due Diligence Vendor-05/20/2026 | Ready for Review-Document Uploaded. - Seller-05/20/2026 | Resolved-Initial CD and related COC received - Due Diligence Vendor-05/21/2026 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865234 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-15 01:02 | 2026-05-20 05:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception page 315<br> Exception Reason - Min Subject Months Reserves- Loan File 1.53 months, GL Requirement 3 months<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/15/2026 |  | Waived-Exception page 315<br> Exception Reason - Min Subject Months Reserves- Loan File 1.53 months, GL Requirement 3 months<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/15/2026 | 37.48% DTI is below the maximum 50% DTI by 12.52%.<br> Borrower has $5,757 residual income after all expenses. Minimum required per guideline is $1,800.<br> Borrower Contribution >5% above min- Loan File 15% of sales price, GL Requirement 5% sales price<br> Tradelines exceed min- Loan File - 3 for 24 + months, GL Requirement 3 for 12 months or 2 for 18 months<br> Housing Payment History- Loan File 0x30x18 months, GL Requirement 0x30x6 months<br> Job Stability- 8.5 yrs-Borr1/ 4 yrs-Borr2, GL Requirement 1 yr | 37.48% DTI is below the maximum 50% DTI by 12.52%.<br> Borrower has $5,757 residual income after all expenses. Minimum required per guideline is $1,800.<br> Borrower Contribution >5% above min- Loan File 15% of sales price, GL Requirement 5% sales price<br> Tradelines exceed min- Loan File - 3 for 24 + months, GL Requirement 3 for 12 months or 2 for 18 months<br> Housing Payment History- Loan File 0x30x18 months, GL Requirement 0x30x6 months<br> Job Stability- 8.5 yrs-Borr1/ 4 yrs-Borr2, GL Requirement 1 yr |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 865236 | xxxxxx | D A | Closed | xxxxxx | 2026-05-22 12:46 | 2026-05-27 05:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. - Seller-05/26/2026 <br> Open-TRID: Missing Closing Disclosure Revised CD dated xxxxxx and related COC - Due Diligence Vendor-05/22/2026 | Ready for Review-Document Uploaded. - Seller-05/26/2026 | Resolved-Revised CD dated xxxxxx and related COC received - Due Diligence Vendor-05/27/2026 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865236 | xxxxxx | D A | Closed | xxxxxx | 2026-05-22 12:46 | 2026-05-27 05:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Subordination Agreement is Missing | Resolved- xxxxxx xxxxxx lien to be subordinated with UCC termination (xxxxxx). Lien to be released documentation received. - Due Diligence Vendor-05/27/2026 <br> Ready for Review-Document Uploaded. - Seller-05/26/2026 <br> Open-Per UW Notes, xxxxxx xxxxxx lien to be subordinated with UCC termination (xxxxxx) page 532-538. Provide Subordination Agreement - Due Diligence Vendor-05/22/2026 | Ready for Review-Document Uploaded. - Seller-05/26/2026 | Resolved- xxxxxx xxxxxx lien to be subordinated with UCC termination (xxxxxx). Lien to be released documentation received. - Due Diligence Vendor-05/27/2026 |  |  | Lien to be released.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865238 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-22 07:33 | 2026-05-29 11:57 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Business Tax Returns Less Than 24 Months Provided | Resolved-Updated Loan Approval reflects Full Doc 12 months received - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. Corrected approval attached (12 months). - Seller-05/29/2026 <br> Open-Borrower 1 Business Tax Returns Less Than 24 Months Provided Loan Approval reflects 2 year Full Doc; however loan file has only 2025 tax returns. Provide clarification of Loan Doc type 1 year Full Doc or 2 year Full Doc - Due Diligence Vendor-05/22/2026 | Ready for Review-Document Uploaded. Corrected approval attached (12 months). - Seller-05/29/2026 | Resolved-Updated Loan Approval reflects Full Doc 12 months received - Due Diligence Vendor-05/29/2026 |  |  | CTC_non-DSCR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865238 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-28 12:32 | 2026-05-29 03:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Supporting documentation for B1 Country of Origin- xxxxxx received - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. - Seller-05/28/2026 <br> Open-Provide supporting documentation for B1 Country of Origin - Due Diligence Vendor-05/28/2026 | Ready for Review-Document Uploaded. - Seller-05/28/2026 | Resolved-Supporting documentation for B1 Country of Origin- xxxxxx received - Due Diligence Vendor-05/29/2026 |  |  | xxxxxx Origin.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865238 | xxxxxx | D A C | Closed | xxxxxx | 2026-05-22 06:45 | 2026-05-29 03:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Revised CD dated xxxxxx and related COC received. - Due Diligence Vendor-05/29/2026 <br> Resolved- - Due Diligence Vendor-05/29/2026 <br> Ready for Review-Document Uploaded. - Seller-05/28/2026 <br> Open- - Due Diligence Vendor-05/28/2026 <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: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for Points - Loan Discount Fee on the Revised CD dated xxxxxx. - Due Diligence Vendor-05/22/2026 <br> Open- - Due Diligence Vendor-05/22/2026 | Ready for Review-Document Uploaded. - Seller-05/28/2026 | Resolved-Revised CD dated xxxxxx and related COC received. - Due Diligence Vendor-05/29/2026 <br> Resolved- - Due Diligence Vendor-05/29/2026 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865293 | xxxxxx | C A | Closed | xxxxxx | 2026-04-29 11:40 | 2026-05-01 07:55 | Resolved | 1 - Information C A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Updated system with confirmation of EMD funds. - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. EMD - Seller-04/30/2026 <br> Open-Provide evidence of EMD funds $17,500. - Due Diligence Vendor-04/29/2026 | Ready for Review-Document Uploaded. EMD - Seller-04/30/2026 | Resolved-Updated system with confirmation of EMD funds. - Due Diligence Vendor-05/01/2026 |  |  | Escrow Deposit Receipt.pdf<br> EMD Paid.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865293 | xxxxxx | C A | Closed | xxxxxx | 2026-04-28 01:44 | 2026-05-01 02:05 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared.<br> - Due Diligence Vendor-05/01/2026 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/01/2026 <br> Ready for Review-Document Uploaded. cleared alerts - Seller-04/30/2026 <br> Open-Fraud Report Shows Uncleared Alerts Provide a clear fraud report per the 2/20/2026 GL.<br> - Due Diligence Vendor-04/28/2026 | Ready for Review-Document Uploaded. cleared alerts - Seller-04/30/2026 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared.<br> - Due Diligence Vendor-05/01/2026 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-05/01/2026 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865300 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-30 02:54 | 2026-06-09 14:46 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Updated hazard insurance provided with effective date as disbursement date xxxxxx. Resolved - Due Diligence Vendor-05/07/2026 <br> Ready for Review-Document Uploaded. Updated Insurance - Seller-05/06/2026 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Hazard Insurance effective date of xxxxxx is after the note date of xxxxxx. Provide the HOI with effective date on or before note date / disbursement date. - Due Diligence Vendor-04/30/2026 | Ready for Review-Document Uploaded. Updated Insurance - Seller-05/06/2026 | Resolved-Updated hazard insurance provided with effective date as disbursement date xxxxxx. Resolved - Due Diligence Vendor-05/07/2026 |  |  | HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865300 | xxxxxx | D A C | Closed | xxxxxx | 2026-04-30 04:00 | 2026-05-06 02:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Tax cert for REO property provided. Resolved - Due Diligence Vendor-05/06/2026 <br> Ready for Review-Document Uploaded. Taxes for REO screen - Seller-05/05/2026 <br> Open-Unable to verify the tax amount for the investment property xxxxxx. Provide the tax cert for xxxxxx - Due Diligence Vendor-04/30/2026 | Ready for Review-Document Uploaded. Taxes for REO screen - Seller-05/05/2026 | Resolved-Tax cert for REO property provided. Resolved - Due Diligence Vendor-05/06/2026 |  |  | xxxxxx - Taxes.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865304 | xxxxxx | D A | Closed | xxxxxx | 2026-04-06 23:19 | 2026-04-14 03:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Requested updated HOI policy with correct Premium provided, updated & condition resolved. - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. - Seller-04/13/2026 <br> Open-Provide hazard policy that reflects annual premium amount. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. - Seller-04/13/2026 | Resolved-Requested updated HOI policy with correct Premium provided, updated & condition resolved. - Due Diligence Vendor-04/14/2026 |  |  | HO6 Invoice.pdf<br> HO 6.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865321 | xxxxxx | D A | Closed | xxxxxx | 2026-04-15 19:12 | 2026-04-21 01:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-I-797 Notice of action extension form for PR card provided. Resolved - Due Diligence Vendor-04/21/2026 <br> Ready for Review-Document Uploaded. - Seller-04/20/2026 <br> Open-Borrower 1 Non-xxxxxx Identification Document Missing. Please provide acceptable documentation. Provide Active Non-xxxxxx Identification document, as provided permanent resident card on pg#470 is expired on xxxxxx - Due Diligence Vendor-04/16/2026 | Ready for Review-Document Uploaded. - Seller-04/20/2026 | Resolved-I-797 Notice of action extension form for PR card provided. Resolved - Due Diligence Vendor-04/21/2026 |  |  | RESIDENT ALIEN CARD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 865365 | xxxxxx | D A | Closed | xxxxxx | 2026-04-23 10:45 | 2026-05-04 10:39 | Resolved | 1 - Information C A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-See notes on final 1008 regarding prior investment property owned. Also reflected on fraud report. - Due Diligence Vendor-04/27/2026 <br> Ready for Review-Document Uploaded. xxxxxx, <br> See attached 1008 with note listed: <br> The borrower is a seasoned investor having owned xxxxxx from xxxxxx.<br> This property was reflected on the fraud report. <br> - Seller-04/24/2026 <br> Counter- xxxxxx is their primary address per 1003 in file. This does not count for commercial or non-owner occupied property. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. See property profile - shows sale date of xxxxxx and recording date xxxxxx in borrowers name - Seller-04/23/2026 <br> Open-Guidelines state borrower must have a history of owning and managing commercial or non-owner occupied residential real estate for at least one (1) year <br> in the last three (3) years. 1003 only shows primary residence. - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. xxxxxx, <br> See attached 1008 with note listed: <br> The borrower is a seasoned investor having owned xxxxxx from xxxxxx.<br> This property was reflected on the fraud report. <br> - Seller-04/24/2026 <br> Ready for Review-Document Uploaded. See property profile - shows sale date of xxxxxx and recording date xxxxxx in borrowers name - Seller-04/23/2026 | Resolved-See notes on final 1008 regarding prior investment property owned. Also reflected on fraud report. - Due Diligence Vendor-04/27/2026 |  |  | xxxxxx - Property profile _recording date xxxxxx.pdf<br> FINAL 1008.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865365 | xxxxxx | D A | Closed | xxxxxx | 2026-04-23 11:06 | 2026-04-24 08:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Trust provided. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. - Seller-04/23/2026 <br> Open-Assets are help in trust. Provide living trust documents. - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. - Seller-04/23/2026 | Resolved-Trust provided. - Due Diligence Vendor-04/24/2026 |  |  | xxxxxx.pdf<br> Affidavit and Cert of Trust.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865365 | xxxxxx | D A | Closed | xxxxxx | 2026-04-23 10:30 | 2026-04-24 08:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Corrected final 1003 provided. - Due Diligence Vendor-04/24/2026 <br> Ready for Review-Document Uploaded. - Seller-04/23/2026 <br> Open-Final 1003 marked yes to occupying as a primary residence but this is an investment property. - Due Diligence Vendor-04/23/2026 | Ready for Review-Document Uploaded. - Seller-04/23/2026 | Resolved-Corrected final 1003 provided. - Due Diligence Vendor-04/24/2026 |  |  | Final 1003 - PR.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 865702 | xxxxxx | D A | Closed | xxxxxx | 2026-05-19 16:08 | 2026-05-22 05:05 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 and 1003 received. - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. - Seller-05/21/2026 <br> Counter-Document Uploaded. Per the Final CD and Note, the fully amortized payment is $9597.02. - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. 1008 is correct. The 8110 is the fully amortized payment used for qualifying. The 6906 is the interest only payment. - Seller-05/20/2026 <br> Open-DTI variance is due the xxxxxx P&I on 1008 reflecting $8110.31; however, P&I is $6,906.25. Audited DTi is 38.63% vs 1008 DTI 34.902%. - Due Diligence Vendor-05/19/2026 | Ready for Review-Document Uploaded. - Seller-05/21/2026 <br> Ready for Review-Document Uploaded. 1008 is correct. The 8110 is the fully amortized payment used for qualifying. The 6906 is the interest only payment. - Seller-05/20/2026 | Resolved-Updated 1008 and 1003 received. - Due Diligence Vendor-05/22/2026 |  |  | Final 1008.pdf<br> xxxxxx _ Final CD.png<br> xxxxxx _ IO Note.png<br> xxxxxx corrected 1008.pdf<br> xxxxxx corrected 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865702 | xxxxxx | D A | Closed | xxxxxx | 2026-05-19 16:17 | 2026-05-21 03:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Updated Title Commitment received. - Due Diligence Vendor-05/21/2026 <br> Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/21/2026 <br> Ready for Review-Document Uploaded. - Seller-05/20/2026 <br> Open-Title Document is Incomplete DOT reflects xxxxxx xxxxxx and Title Commitment reflects xxxxxx xxxxxx. Provide update Title Commitment with correct name. - Due Diligence Vendor-05/19/2026 | Ready for Review-Document Uploaded. - Seller-05/20/2026 | Resolved-Updated Title Commitment received. - Due Diligence Vendor-05/21/2026 <br> Resolved-Title Document is Provided And Complete - Due Diligence Vendor-05/21/2026 |  |  | xxxxxx title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 865730 | xxxxxx | D A | Closed | xxxxxx | 2026-05-15 04:13 | 2026-05-22 06:28 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. Please see verification of housing history attached. - Buyer-05/21/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Housing History missing in file - Due Diligence Vendor-05/15/2026 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/22/2026 |  |  | housing history.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865730 | xxxxxx | D A | Closed | xxxxxx | 2026-05-15 06:28 | 2026-05-18 21:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Product Name on Loan Approval reflects as Bank Statement Program, Verified - Resolved - Due Diligence Vendor-05/19/2026 <br> Ready for Review-Our approvals for the bank statement program will always reflect Full Documentation since our system does not allow another option - Seller-05/18/2026 <br> Open-Borrower income is 12months bank statement but loan approval showing as Full documentation. Need updated approval. - Due Diligence Vendor-05/15/2026 | Ready for Review-Our approvals for the bank statement program will always reflect Full Documentation since our system does not allow another option - Seller-05/18/2026 | Resolved-Product Name on Loan Approval reflects as Bank Statement Program, Verified - Resolved - Due Diligence Vendor-05/19/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865730 | xxxxxx | D A | Closed | xxxxxx | 2026-05-15 06:00 | 2026-05-15 06:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.032%) equals or exceeds the xxxxxx HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.3%).(xxxxxx. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 463, and the Final Closing disclosure on Pg#244, Finding reflects escrows. Rate lock date was entered correctly – see Pg#498 An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'47&212 in file and confirmation the appraisal was delivered to the borrower – see Pg#47&212 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/15/2026 |  | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.032%) equals or exceeds the xxxxxx HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.3%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 463, and the Final Closing disclosure on Pg#244, Finding reflects escrows. Rate lock date was entered correctly – see Pg#498 An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'47&212 in file and confirmation the appraisal was delivered to the borrower – see Pg#47&212 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/15/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865730 | xxxxxx | D A | Closed | xxxxxx | 2026-05-15 06:00 | 2026-05-15 06:29 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.032%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 463, and the Final Closing disclosure on Pg#244, Finding reflects escrows. Rate lock date was entered correctly – see Pg#498 An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'47&212 in file and confirmation the appraisal was delivered to the borrower – see Pg#47&212 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/15/2026 |  | Resolved-The loan's (8.032%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 463, and the Final Closing disclosure on Pg#244, Finding reflects escrows. Rate lock date was entered correctly – see Pg#498 An interior and exterior appraisal was completed for this property – see pg 17, the appraisal disclosure was provided to the borrower(s)- see Pg#'47&212 in file and confirmation the appraisal was delivered to the borrower – see Pg#47&212 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/15/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 865995 | xxxxxx | C A | Closed | xxxxxx | 2026-05-06 21:47 | 2026-05-12 13:25 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Approval Certificate received. - Due Diligence Vendor-05/12/2026 <br> Ready for Review-Document Uploaded. - Seller-05/12/2026 <br> Open-The lender's Approval Certificate is missing from the loan file. - Due Diligence Vendor-05/07/2026 | Ready for Review-Document Uploaded. - Seller-05/12/2026 | Resolved-Approval Certificate received. - Due Diligence Vendor-05/12/2026 |  |  | APPROVAL CERTIFICATE (12).pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 866075 | xxxxxx | C A | Closed | xxxxxx | 2026-05-17 23:57 | 2026-05-19 12:42 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Initial Cd was provided and added to trid screen. Finding resolved. - Due Diligence Vendor-05/19/2026 <br> Resolved- - Due Diligence Vendor-05/19/2026 <br> Ready for Review-Document Uploaded. - Seller-05/18/2026 <br> Open-The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The Initial CD was provided on xxxxxx. The Final CD & Closing Date was xxxxxx. Under Regulation Z, a consumer must receive the Initial Closing Disclosure at least 3 days before final consummation. No Borrower Hardship/Waiver was located in the file. - Due Diligence Vendor-05/18/2026 <br> Open- - Due Diligence Vendor-05/18/2026 <br> Open- - Due Diligence Vendor-05/18/2026 | Ready for Review-Document Uploaded. - Seller-05/18/2026 | Resolved-Initial Cd was provided and added to trid screen. Finding resolved. - Due Diligence Vendor-05/19/2026 |  |  | CLOSING DISCLOSURE INITIAL - SIGNED.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866075 | xxxxxx | C A | Closed | xxxxxx | 2026-05-18 01:15 | 2026-05-19 07:42 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/19/2026 <br> Ready for Review-Letter from homeowner was provided to support the borrowers living arrangement. Mother states that borrower has resided in the home since 2006 and has paid $500 monthly. - Due Diligence Vendor-05/19/2026 <br> Ready for Review-Document Uploaded. - Seller-05/18/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Per the loan application, the borrower has been residing at their current residence for 20 years with a reported monthly rent of $500. However, there are also notes within the file indicating the borrower may be living rent free, and no supporting documentation is present to clarify this discrepancy.<br>If the borrower is paying $500 in monthly rent, please provide 12 months' rent payment history to document the housing expense.<br> If the borrower is living rent free, please provide a letter of explanation from the homeowner confirming the borrower's rent-free status and the duration of occupancy.<br>Please provide the appropriate documentation to support the borrower's current housing arrangement. - Due Diligence Vendor-05/18/2026 | Ready for Review-Document Uploaded. - Seller-05/18/2026 | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/19/2026 |  |  | LOE LIVING.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866075 | xxxxxx | C A | Closed | xxxxxx | 2026-05-17 23:57 | 2026-05-19 07:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/19/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.78%) equals or exceeds the xxxxxx HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.26%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#392 and the Final Closing disclosure on Pg#205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#202. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s189,172 and confirmation the appraisal was delivered to the borrower – see Pg#'185-188,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/19/2026 <br> Open- - Due Diligence Vendor-05/19/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.78%) equals or exceeds the xxxxxx HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.26%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#392 and the Final Closing disclosure on Pg#205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#202. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s189,172 and confirmation the appraisal was delivered to the borrower – see Pg#'185-188,. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-05/18/2026 <br> Open- - Due Diligence Vendor-05/18/2026 <br> Open- - Due Diligence Vendor-05/18/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/19/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.78%) equals or exceeds the xxxxxx HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.26%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#392 and the Final Closing disclosure on Pg#205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#202. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s189,172 and confirmation the appraisal was delivered to the borrower – see Pg#'185-188,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/19/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (7.78%) equals or exceeds the xxxxxx HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.26%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#392 and the Final Closing disclosure on Pg#205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#202. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s189,172 and confirmation the appraisal was delivered to the borrower – see Pg#'185-188,. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-05/18/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866075 | xxxxxx | C A | Closed | xxxxxx | 2026-05-17 23:57 | 2026-05-19 07:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/19/2026 <br> Resolved-The loan's (7.78%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#392 and the Final Closing disclosure on Pg#205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#202. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s189,172 and confirmation the appraisal was delivered to the borrower – see Pg#'185-188,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/19/2026 <br> Open- - Due Diligence Vendor-05/19/2026 <br> Resolved-The loan's (7.78%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#392 and the Final Closing disclosure on Pg#205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#202. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s189,172 and confirmation the appraisal was delivered to the borrower – see Pg#'185-188,. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-05/18/2026 <br> Open- - Due Diligence Vendor-05/18/2026 <br> Open- - Due Diligence Vendor-05/18/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/19/2026 <br> Resolved-The loan's (7.78%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#392 and the Final Closing disclosure on Pg#205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#202. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s189,172 and confirmation the appraisal was delivered to the borrower – see Pg#'185-188,. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/19/2026 <br> Resolved-The loan's (7.78%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#392 and the Final Closing disclosure on Pg#205, Finding reflects escrows. Rate lock date was entered correctly – see Pg#202. An interior and exterior appraisal was completed for this property – see pg 23, the appraisal disclosure was provided to the borrower(s)- see Pg#'s189,172 and confirmation the appraisal was delivered to the borrower – see Pg#'185-188,. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-05/18/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866158 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-21 01:30 | 2026-05-22 07:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors:<br> 73.54% LTV is below the maximum 80% LTV by 6.46%.<br> 42.7% DTI is below the maximum 50% DTI by 7.3%.<br> Borrower has $4,602 residual income after all expenses. Minimum required per guideline is $2,000.<br> - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. - Buyer-05/21/2026 <br> Open-Audited Reserves of 3.12 month(s) are less than Guideline Required Reserves of 6 month(s) As per xxxxxx matrix/Guidelines Loan Amount <= $1.5mm 6 months PITI reserves is required however borrower have only 3.12 month reserves only. - Due Diligence Vendor-05/21/2026 |  | Waived-Client elects to waive with the following compensating factors:<br> 73.54% LTV is below the maximum 80% LTV by 6.46%.<br> 42.7% DTI is below the maximum 50% DTI by 7.3%. | 73.54% LTV is below the maximum 80% LTV by 6.46%.<br> 42.7% DTI is below the maximum 50% DTI by 7.3%.<br> Borrower has $4,602 residual income after all expenses. Minimum required per guideline is $2,000.<br>| 73.54% LTV is below the maximum 80% LTV by 6.46%.<br> 42.7% DTI is below the maximum 50% DTI by 7.3%.<br> Borrower has $4,602 residual income after all expenses. Minimum required per guideline is $2,000.<br>| xxxxxx Exception Reserves.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | Originator Pre-Close | Yes | xxxxxx |
| 866158 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-21 02:35 | 2026-05-21 12:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.254%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 380-381 and the Final Closing disclosure on Pg#'s 203-208 reflects escrows. Rate lock date was entered correctly – see Pg#'s 398-399 An interior and exterior appraisal was completed for this property – see pg #13-63 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 13-63, and copy of the appraisal was given to the borrower – see Pg#'s 12 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/21/2026 <br> Open- - Due Diligence Vendor-05/21/2026 <br> Open- - Due Diligence Vendor-05/21/2026 |  | Resolved-The loan's (9.254%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 380-381 and the Final Closing disclosure on Pg#'s 203-208 reflects escrows. Rate lock date was entered correctly – see Pg#'s 398-399 An interior and exterior appraisal was completed for this property – see pg #13-63 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 13-63, and copy of the appraisal was given to the borrower – see Pg#'s 12 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/21/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 866242 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866245 | xxxxxx | A | Closed | xxxxxx | 2026-05-07 04:54 | 2026-05-13 07:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.545%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 202, and the Final Closing disclosure on Pg#110-115, Finding reflects escrows. Rate lock date was entered correctly – see Pg#217-218 An interior and exterior appraisal was completed for this property – see pg 25-51, the appraisal disclosure was provided to the borrower(s)- see Pg#'234 in file and confirmation the appraisal was delivered to the borrower – see Pg#96 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/07/2026 <br> Open- - Due Diligence Vendor-05/13/2026 <br> Open- - Due Diligence Vendor-05/07/2026 |  | Resolved-The loan's (8.545%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 202, and the Final Closing disclosure on Pg#110-115, Finding reflects escrows. Rate lock date was entered correctly – see Pg#217-218 An interior and exterior appraisal was completed for this property – see pg 25-51, the appraisal disclosure was provided to the borrower(s)- see Pg#'234 in file and confirmation the appraisal was delivered to the borrower – see Pg#96 The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/07/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866246 | xxxxxx | A | Closed | xxxxxx | 2026-05-08 02:12 | 2026-05-13 10:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.971%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 355-356 and the Final Closing disclosure on Pg#'s 198, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 374. An interior and exterior appraisal was completed for this property – see pg#'s 19-48, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 407, and confirmation the appraisal was delivered to the borrower – see Pg#'s 262. The loan meets HPML guidelines. - Due Diligence Vendor-05/08/2026 <br> Open- - Due Diligence Vendor-05/13/2026 <br> Open- - Due Diligence Vendor-05/08/2026 <br> Open- - Due Diligence Vendor-05/08/2026 <br> Open- - Due Diligence Vendor-05/08/2026 |  | Resolved-The loan's (7.971%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 355-356 and the Final Closing disclosure on Pg#'s 198, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 374. An interior and exterior appraisal was completed for this property – see pg#'s 19-48, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 407, and confirmation the appraisal was delivered to the borrower – see Pg#'s 262. The loan meets HPML guidelines. - Due Diligence Vendor-05/08/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866305 | xxxxxx | D A | Closed | xxxxxx | 2026-05-26 00:43 | 2026-06-01 00:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested initial CD provided, updated & condition resolved. - Due Diligence Vendor-06/01/2026 <br> Ready for Review-Document Uploaded. - Seller-05/29/2026 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD and related COC - Due Diligence Vendor-05/26/2026 | Ready for Review-Document Uploaded. - Seller-05/29/2026 | Resolved-Requested initial CD provided, updated & condition resolved. - Due Diligence Vendor-06/01/2026 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 866472 | xxxxxx | D A | Closed | xxxxxx | 2026-05-12 07:47 | 2026-05-19 04:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-05/19/2026 <br> Resolved-Photo Id Present In file, Resolved - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. - Seller-05/15/2026 <br> Open-invalid condition added - Due Diligence Vendor-05/12/2026 | Ready for Review-Document Uploaded. - Seller-05/15/2026 | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-05/19/2026 <br> Resolved-Photo Id Present In file, Resolved - Due Diligence Vendor-05/18/2026 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866472 | xxxxxx | D A | Closed | xxxxxx | 2026-05-15 06:16 | 2026-05-19 04:05 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/19/2026 <br> Resolved-Executed xxxxxx Settlement Statement provided, resolved. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. - Seller-05/15/2026 <br> Open-Missing final executed settlement statement for sale of previous home. - Due Diligence Vendor-05/15/2026 | Ready for Review-Document Uploaded. - Seller-05/15/2026 | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-05/19/2026 <br> Resolved-Executed xxxxxx Settlement Statement provided, resolved. - Due Diligence Vendor-05/18/2026 |  |  | Signed sale.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866472 | xxxxxx | D A | Closed | xxxxxx | 2026-05-17 21:44 | 2026-05-19 04:03 | Resolved | 1 - Information C A | Compliance | xxxxxx | Fees: Limited | Resolved-Post CD provided, resolved. - Due Diligence Vendor-05/19/2026 <br> Resolved-Resolved - Due Diligence Vendor-05/19/2026 <br> Open- - Due Diligence Vendor-05/19/2026 <br> Ready for Review-Document Uploaded. Our closer grouped the foreclosure fee along with the recording fees. I have broken down the fee in Section C of the revised PCCD. The xxxxxx is included, which shows that the fee was collected. - Seller-05/18/2026 <br> Open- - Due Diligence Vendor-05/18/2026 <br> Open- - Due Diligence Vendor-05/18/2026 <br> Open- - Due Diligence Vendor-05/18/2026 <br> Open-xxxxxx requires every borrower in a residential mortgage loan to pay an $80 Foreclosure Prevention Fee. The System did not find an $80 fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "xxxxxx Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (xxxxxx 61.24; xxxxxx 31.04.015(24)) - Due Diligence Vendor-05/18/2026 | Ready for Review-Document Uploaded. Our closer grouped the foreclosure fee along with the recording fees. I have broken down the fee in Section C of the revised PCCD. The xxxxxx is included, which shows that the fee was collected. - Seller-05/18/2026 | Resolved-Post CD provided, resolved. - Due Diligence Vendor-05/19/2026 <br> Resolved-Resolved - Due Diligence Vendor-05/19/2026 |  |  | Buyer's xxxxxx.pdf<br> PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866472 | xxxxxx | D A | Closed | xxxxxx | 2026-05-14 12:28 | 2026-05-18 03:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Closing disclosures (CD) dated xxxxxx, and xxxxxx with coinciding change of circumstance (COC) provided, resolved. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Closing disclosures (CD) dated xxxxxx, and xxxxxx with coinciding change of circumstance (COC) provided, resolved. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. - Seller-05/15/2026 <br> Open-TRID: Missing Closing Disclosure Missing closing disclosures (CD) dated xxxxxx, and xxxxxx with coinciding change of circumstance (COC) if applicable. - Due Diligence Vendor-05/14/2026 | Ready for Review-Document Uploaded. - Seller-05/15/2026 | Resolved-Closing disclosures (CD) dated xxxxxx, and xxxxxx with coinciding change of circumstance (COC) provided, resolved. - Due Diligence Vendor-05/18/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866472 | xxxxxx | D A | Closed | xxxxxx | 2026-05-12 06:53 | 2026-05-18 03:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-initial Closing Disclosure provided, resolved. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. - Seller-05/15/2026 <br> Open-TRID: Missing Closing Disclosure Missing initial Closing Disclosure in file - Due Diligence Vendor-05/12/2026 | Ready for Review-Document Uploaded. - Seller-05/15/2026 | Resolved-initial Closing Disclosure provided, resolved. - Due Diligence Vendor-05/18/2026 |  |  | xxxxxx CD.pdf<br> xxxxxx_ Driver's License.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866472 | xxxxxx | D A | Closed | xxxxxx | 2026-05-17 21:44 | 2026-05-17 21:54 | Resolved | 1 - Information C A | Compliance | xxxxxx | Tolerance: Disclosure | Resolved- - Due Diligence Vendor-05/18/2026 <br> Open- - Due Diligence Vendor-05/18/2026 <br> Open-There are ($200.00) of fees paid to the lender disclosed under Loan Estimate Section B "Services You Cannot Shop For" or Closing Disclosure Section B "Services Borrower Did Not Shop For". Under Regulation Z, charges included under Section B on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer cannot shop and did not shop that are provided by persons other than the creditor or mortgage broker. (12 CFR 1026.37(f)(2); 12 CFR 1026.38(f)(2)) - Due Diligence Vendor-05/18/2026 |  | Resolved- - Due Diligence Vendor-05/18/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866479 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866483 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-18 21:35 | 2026-06-02 10:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-06/02/2026 <br> Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/22/2026 <br> Ready for Review-Document Uploaded. - Seller-05/21/2026 <br> Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-05/19/2026 | Ready for Review-Document Uploaded. - Seller-05/21/2026 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-06/02/2026 <br> Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/22/2026 | Personal Guaranty with Full Recourse <br> 80% LTV is below the maximum 85% LTV by 5%.<br> 42.22% DTI is below the maximum 50% DTI by 7.78%.<br> Months Reserves > 3 above min - Loan File 18.89 months, GL Requirement 6 months (LTV is > 75%)<br> Qual Score >20 points above min- Loan File 763, GL Requirement Min 740 | Personal Guaranty with Full Recourse <br> 80% LTV is below the maximum 85% LTV by 5%.<br> 42.22% DTI is below the maximum 50% DTI by 7.78%.<br> Months Reserves > 3 above min - Loan File 18.89 months, GL Requirement 6 months (LTV is > 75%)<br> Qual Score >20 points above min- Loan File 763, GL Requirement Min 740 | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 866483 | xxxxxx | C B A | Closed | xxxxxx | 2026-05-19 00:41 | 2026-05-21 08:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page 307-308 <br> Exception Reason- OTHER - Business purpose not stated on operating agreement and business purpose must be related to property management.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/19/2026 |  | Waived-Loan does not conform to program guidelines Exception page 307-308 <br> Exception Reason- OTHER - Business purpose not stated on operating agreement and business purpose must be related to property management.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/19/2026 | DTI is 42.22%. Maximum allowed per guidelines is 50%.<br> Credit Score is 763. Minimum required per guidelines is 740.<br> Residual Income is $6912.73. Minimum Residual Income required per guidelines is $2500. <br> Borrower Contribution >5% above min- Loan File 20% of sales price, GL Requirement 10% sales price<br> Consumer Payment History- Loan File 0x30x24 months, GL Requirement 0x60x12 months<br> Housing Payment History- Loan File 0x30x20 months, GL Requirement 1x30x12<br> Job Stability- Loan File 3 yrs, GL Requirement 2 yrs | DTI is 42.22%. Maximum allowed per guidelines is 50%.<br> Credit Score is 763. Minimum required per guidelines is 740.<br> Residual Income is $6912.73. Minimum Residual Income required per guidelines is $2500. <br> Borrower Contribution >5% above min- Loan File 20% of sales price, GL Requirement 10% sales price<br> Consumer Payment History- Loan File 0x30x24 months, GL Requirement 0x60x12 months<br> Housing Payment History- Loan File 0x30x20 months, GL Requirement 1x30x12<br> Job Stability- Loan File 3 yrs, GL Requirement 2 yrs |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 866486 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-18 07:53 | 2026-05-26 13:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-05/26/2026 <br> Waived-Exception page 679<br> Min Subject Months Reserves - Loan File 5.93 months, GL Requirement 3 months reserves + 3 additional months required reserves= 6 months - Due Diligence Vendor-05/18/2026 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-05/26/2026 <br> Waived-Exception page 679<br> Min Subject Months Reserves - Loan File 5.93 months, GL Requirement 3 months reserves + 3 additional months required reserves= 6 months - Due Diligence Vendor-05/18/2026 | 800 Representative credit score exceeds the minimum required of 700 by 100 points<br> Borrower has $4,562 residual income after all expenses. Minimum required per guideline is $1,500.<br> Borrower Contribution >5% above min- Loan File 15% sale price, GL requirement 5% of sales price<br> Housing Payment History- Loan File 0x30x82 months, GL Requirement 0x30x6 months<br> Borrower has been employed in same career for 17 years. | 800 Representative credit score exceeds the minimum required of 700 by 100 points<br> Borrower has $4,562 residual income after all expenses. Minimum required per guideline is $1,500.<br> Borrower Contribution >5% above min- Loan File 15% sale price, GL requirement 5% of sales price<br> Housing Payment History- Loan File 0x30x82 months, GL Requirement 0x30x6 months<br> Borrower has been employed in same career for 17 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 866486 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-13 06:39 | 2026-05-19 00:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested initial CD provided, updated & condition resolved. - Due Diligence Vendor-05/19/2026 <br> Ready for Review-Document Uploaded. - Seller-05/18/2026 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD and related COC - Due Diligence Vendor-05/13/2026 | Ready for Review-Document Uploaded. - Seller-05/18/2026 | Resolved-Requested initial CD provided, updated & condition resolved. - Due Diligence Vendor-05/19/2026 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866486 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-13 07:49 | 2026-05-18 21:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Requested flood certificate provided, updated & condition resolved. - Due Diligence Vendor-05/19/2026 <br> Ready for Review-Document Uploaded. - Seller-05/18/2026 <br> Open-Provide Flood Certificate - Due Diligence Vendor-05/13/2026 | Ready for Review-Document Uploaded. - Seller-05/18/2026 | Resolved-Requested flood certificate provided, updated & condition resolved. - Due Diligence Vendor-05/19/2026 |  |  | xxxxxx Flood Cert.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866486 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-18 23:51 | 2026-05-19 03:28 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-05/19/2026 <br> Open- - Due Diligence Vendor-05/19/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/19/2026 <br> Resolved-The loan's (8.375%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 319 and the Final Closing disclosure on Pg#'s 140, reflects escrows. Rate lock date was entered correctly – see Pg#'s 360. An interior and exterior appraisal was completed for this property – see pg 46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 456, and confirmation the appraisal was delivered to the borrower – see Pg#'s 168. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/19/2026 <br> Open- - Due Diligence Vendor-05/19/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan - Due Diligence Vendor-05/19/2026 <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/19/2026 <br> Resolved-The loan's (8.375%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 319 and the Final Closing disclosure on Pg#'s 140, reflects escrows. Rate lock date was entered correctly – see Pg#'s 360. An interior and exterior appraisal was completed for this property – see pg 46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 456, and confirmation the appraisal was delivered to the borrower – see Pg#'s 168. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-05/19/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866487 | xxxxxx | A | Closed | xxxxxx | 2026-05-12 02:03 | 2026-05-15 10:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/15/2026 <br> Resolved-The loan's (9.668%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 580-581 and the Final Closing disclosure on Pg#'s 366-371 reflects escrows. Rate lock date was entered correctly – see Pg#'s 617-622 An interior and exterior appraisal was completed for this property – see pg 19-52 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 533, and copy of the appraisal was given to the borrower – see Pg#'s 681 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/12/2026 <br> Open- - Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/12/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/15/2026 <br> Resolved-The loan's (9.668%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) <br> This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 580-581 and the Final Closing disclosure on Pg#'s 366-371 reflects escrows. Rate lock date was entered correctly – see Pg#'s 617-622 An interior and exterior appraisal was completed for this property – see pg 19-52 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 533, and copy of the appraisal was given to the borrower – see Pg#'s 681 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/12/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 866488 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866490 | xxxxxx | A | Closed | xxxxxx | 2026-05-15 04:48 | 2026-05-20 04:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/20/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.991%) equals or exceeds the xxxxxx HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.3%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 335-336 and the Final Closing disclosure on Pg#'s 152, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 364. An interior and exterior appraisal was completed for this property – see pg#'s 20-52, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 413, and confirmation the appraisal was delivered to the borrower – see Pg#'s 132. The loan meets HPML guidelines. - Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/19/2026 <br> Open- - Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/15/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/20/2026 <br> Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.991%) equals or exceeds the xxxxxx HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.3%).(xxxxxx Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 335-336 and the Final Closing disclosure on Pg#'s 152, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 364. An interior and exterior appraisal was completed for this property – see pg#'s 20-52, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 413, and confirmation the appraisal was delivered to the borrower – see Pg#'s 132. The loan meets HPML guidelines. - Due Diligence Vendor-05/15/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866490 | xxxxxx | A | Closed | xxxxxx | 2026-05-15 04:48 | 2026-05-20 04:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/20/2026 <br> Resolved-The loan's (8.991%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 335-336 and the Final Closing disclosure on Pg#'s 152, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 364. An interior and exterior appraisal was completed for this property – see pg#'s 20-52, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 413, and confirmation the appraisal was delivered to the borrower – see Pg#'s 132. The loan meets HPML guidelines.<br> - Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/19/2026 <br> Open- - Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/15/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/20/2026 <br> Resolved-The loan's (8.991%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 335-336 and the Final Closing disclosure on Pg#'s 152, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 364. An interior and exterior appraisal was completed for this property – see pg#'s 20-52, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 413, and confirmation the appraisal was delivered to the borrower – see Pg#'s 132. The loan meets HPML guidelines.<br> - Due Diligence Vendor-05/15/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866492 | xxxxxx | D B C A | Closed | xxxxxx | 2026-05-18 04:19 | 2026-05-26 13:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-05/26/2026 <br> Waived-Exception page 231<br> Exception Reason - Min Subject Months Reserves - Loan File 2.1 months, GL Requirement Min 3 months - Due Diligence Vendor-05/18/2026 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-05/26/2026 <br> Waived-Exception page 231<br> Exception Reason - Min Subject Months Reserves - Loan File 2.1 months, GL Requirement Min 3 months - Due Diligence Vendor-05/18/2026 | 724 Representative credit score exceeds the minimum required of 700 by 24 points<br> Borrower has $2,168 residual income after all expenses. Minimum required per guideline is $1,500.<br> 72.19% LTV is below the maximum 80% LTV by 7.81%.<br> Borrower has been employed at current job for 19 years. <br> Housing Payment History- Loan File 0x30x24 months, GL Requirements 0x30x6 months<br>| 724 Representative credit score exceeds the minimum required of 700 by 24 points<br> Borrower has $2,168 residual income after all expenses. Minimum required per guideline is $1,500.<br> 72.19% LTV is below the maximum 80% LTV by 7.81%.<br> Borrower has been employed at current job for 19 years. <br> Housing Payment History- Loan File 0x30x24 months, GL Requirements 0x30x6 months<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | Originator Pre-Close | Yes | xxxxxx |
| 866492 | xxxxxx | D B C A | Closed | xxxxxx | 2026-05-18 05:12 | 2026-05-19 04:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CDs dated xxxxxx and related COCs received - Due Diligence Vendor-05/19/2026 <br> Ready for Review-Document Uploaded. - Seller-05/18/2026 <br> Open-TRID: Missing Closing Disclosure Provide Revised CDs dated xxxxxx and related COCs - Due Diligence Vendor-05/18/2026 | Ready for Review-Document Uploaded. - Seller-05/18/2026 | Resolved-Revised CDs dated xxxxxx and related COCs received - Due Diligence Vendor-05/19/2026 |  |  | xxxxxx CC.pdf<br> xxxxxx xxxxxx CC.pdf<br> xxxxxx xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 866492 | xxxxxx | D B C A | Closed | xxxxxx | 2026-05-13 20:55 | 2026-05-19 04:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved- - Due Diligence Vendor-05/19/2026 <br> Ready for Review-Document Uploaded. - Seller-05/18/2026 <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: Doc Tax Stamps/Transfer Taxes – City/County, Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for the increase in Broker Fees and Doc Tax Stamps/Transfer Taxes – State on the Final CD. - Due Diligence Vendor-05/14/2026 <br> Open- - Due Diligence Vendor-05/18/2026 <br> Open- - Due Diligence Vendor-05/14/2026 <br> Open- - Due Diligence Vendor-05/14/2026 | Ready for Review-Document Uploaded. - Seller-05/18/2026 | Resolved- - Due Diligence Vendor-05/19/2026 |  |  | xxxxxx xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 866492 | xxxxxx | D B C A | Closed | xxxxxx | 2026-05-18 04:39 | 2026-05-19 03:44 | Resolved | 1 - Information C A | Credit | Doc Issue | Amount of title insurance is less than mortgage amount | Resolved-Title Commitment with Title Insurance Coverage iao xxxxxx received - Due Diligence Vendor-05/19/2026 <br> Ready for Review-Document Uploaded. - Seller-05/18/2026 <br> Open-Amount of title insurance is less than mortgage amount xxxxxx. Provide Title Insurance Coverage iao xxxxxx. - Due Diligence Vendor-05/18/2026 | Ready for Review-Document Uploaded. - Seller-05/18/2026 | Resolved-Title Commitment with Title Insurance Coverage iao xxxxxx received - Due Diligence Vendor-05/19/2026 |  |  | xxxxxx Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A | xxxxxx |
| 866494 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-13 13:06 | 2026-05-18 03:24 | Resolved | 1 - Information D A | Property | Missing Doc | File does not contain all required valuation documents | Resolved-CU received. - Due Diligence Vendor-05/18/2026 <br> Ready for Review-Document Uploaded. - Seller-05/15/2026 <br> Open-Provide Secondary valuation (CU or Desk review). - Due Diligence Vendor-05/13/2026 | Ready for Review-Document Uploaded. - Seller-05/15/2026 | Resolved-CU received. - Due Diligence Vendor-05/18/2026 |  |  | xxxxxx SSR Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866494 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-13 13:03 | 2026-05-13 13:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception page 314<br> Exception Reason - Min Subject Months Reserves 4.14 months, GL Requirements 6 months<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/13/2026 |  | Waived-Exception page 314<br> Exception Reason - Min Subject Months Reserves 4.14 months, GL Requirements 6 months<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-05/13/2026 | 771 Representative credit score exceeds the minimum required of 700 by 71 points<br> Borrower has $5,668 residual income after all expenses. Minimum required per guideline is $2,400.<br> Borrower Contribution >5% above min- Loan File 20% of sales price, GL Requirement 10% of sales price<br> Housing Payment History- Loan File 0x30x12 months, GL Requirement 0x30x6 months<br> Borrower has been employed at current job for 14 years. <br> Borrower has been employed in same career for 14 years.<br>| 771 Representative credit score exceeds the minimum required of 700 by 71 points<br> Borrower has $5,668 residual income after all expenses. Minimum required per guideline is $2,400.<br> Borrower Contribution >5% above min- Loan File 20% of sales price, GL Requirement 10% of sales price<br> Housing Payment History- Loan File 0x30x12 months, GL Requirement 0x30x6 months<br> Borrower has been employed at current job for 14 years. <br> Borrower has been employed in same career for 14 years.<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 866494 | xxxxxx | D B A | Closed | xxxxxx | 2026-05-08 03:53 | 2026-05-14 08:12 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.482%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 298-299 and the Final Closing disclosure on Pg#'s 132-137 reflects escrows. Rate lock date was entered correctly – see Pg#'s 342-343 An interior and exterior appraisal was completed for this property – see pg 25-65 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 389, and copy of the appraisal was given to the borrower – see Pg#'s 100 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/08/2026 <br> Open- - Due Diligence Vendor-05/14/2026 <br> Open- - Due Diligence Vendor-05/08/2026 |  | Resolved-The loan's (8.482%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 298-299 and the Final Closing disclosure on Pg#'s 132-137 reflects escrows. Rate lock date was entered correctly – see Pg#'s 342-343 An interior and exterior appraisal was completed for this property – see pg 25-65 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 389, and copy of the appraisal was given to the borrower – see Pg#'s 100 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-05/08/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866498 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 866501 | xxxxxx | D A | Closed | xxxxxx | 2026-05-20 07:39 | 2026-06-01 05:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated Lender Worksheet received - Due Diligence Vendor-06/01/2026 <br> Resolved-Validation Resolved' - Due Diligence Vendor-06/01/2026 <br> Ready for Review-Document Uploaded. - Seller-05/29/2026 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide 03/31/2025 bank statement for acct ending -6203 as it appears on the Lender Income Worksheet or provide updated Lender Worksheet with 12 months of bank statements income calculation. - Due Diligence Vendor-05/20/2026 | Ready for Review-Document Uploaded. - Seller-05/29/2026 | Resolved-Updated Lender Worksheet received - Due Diligence Vendor-06/01/2026 <br> Resolved-Validation Resolved' - Due Diligence Vendor-06/01/2026 |  |  | 12 month income worksheet.pdf<br> August pg 4.pdf<br> August pg 3.pdf<br> Bank statement income calculator.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866501 | xxxxxx | D A | Closed | xxxxxx | 2026-05-20 07:34 | 2026-06-01 05:03 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved- pages 3 and 4 for bank statement dated 8/29/2025 for acct ending - 6203 received - Due Diligence Vendor-06/01/2026 <br> Ready for Review-See other condition. All items uploaded there. - Seller-05/29/2026 <br> Open-Provide pages 3 and 4 for bank statement dated 8/29/2025 for acct ending - 6203. - Due Diligence Vendor-05/20/2026 | Ready for Review-See other condition. All items uploaded there. - Seller-05/29/2026 | Resolved- pages 3 and 4 for bank statement dated 8/29/2025 for acct ending - 6203 received - Due Diligence Vendor-06/01/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866501 | xxxxxx | D A | Closed | xxxxxx | 2026-05-15 00:40 | 2026-05-22 05:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/22/2026 <br> Resolved-The loan's (9.256%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 370 doc and the Final Closing disclosure on Pg# 170 reflects escrows. Rate lock date was entered correctly see Pg# 396 An interior and exterior appraisal was completed for this property – see Page# 19 , the appraisal disclosure was provided to the borrower(s)- see Pg# 498-501 , and copy of the appraisal was given to the borrower see Pg# 417 for the copy of the disclosure. The loan meets HPML guidelines.<br>- Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/20/2026 <br> Open- - Due Diligence Vendor-05/15/2026 <br> Open- - Due Diligence Vendor-05/15/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/22/2026 <br> Resolved-The loan's (9.256%) APR equals or exceeds the Federal HPML threshold of (7.76%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# 370 doc and the Final Closing disclosure on Pg# 170 reflects escrows. Rate lock date was entered correctly see Pg# 396 An interior and exterior appraisal was completed for this property – see Page# 19 , the appraisal disclosure was provided to the borrower(s)- see Pg# 498-501 , and copy of the appraisal was given to the borrower see Pg# 417 for the copy of the disclosure. The loan meets HPML guidelines.<br>- Due Diligence Vendor-05/15/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866503 | xxxxxx | B A | Closed | xxxxxx | 2026-05-21 05:12 | 2026-05-26 13:16 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-05/26/2026 <br> Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception page 223-224<br> Min Loan Amount - Loan File xxxxxx, GL Requirement Min Loan Amount $250,000. - Due Diligence Vendor-05/21/2026 |  | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-05/26/2026 <br> Waived-Audited Loan Amount is less than Guideline Minimum Loan Amount Exception page 223-224<br> Min Loan Amount - Loan File xxxxxx, GL Requirement Min Loan Amount $250,000. - Due Diligence Vendor-05/21/2026 | 75% LTV is below the maximum 80% LTV by 5%.<br> 736 Representative credit score exceeds the minimum required of 700 by 36 points.<br> Borrower has $2,403.96 residual income after all expenses. Minimum required per guideline is $1,500.<br> 12.82 months reserves exceed the minimum required of 6 months and exceeds the minimum by 6.82 months over the required minimum.<br> Borrower Contribution >5% above min- Loan File 20% of sales price, GL Requirement 10% of sales price<br> Borrower has been employed at current job for 5 years. GL Requirement 1yr<br>| 75% LTV is below the maximum 80% LTV by 5%.<br> 736 Representative credit score exceeds the minimum required of 700 by 36 points.<br> Borrower has $2,403.96 residual income after all expenses. Minimum required per guideline is $1,500.<br> 12.82 months reserves exceed the minimum required of 6 months and exceeds the minimum by 6.82 months over the required minimum.<br> Borrower Contribution >5% above min- Loan File 20% of sales price, GL Requirement 10% of sales price<br> Borrower has been employed at current job for 5 years. GL Requirement 1yr<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 866503 | xxxxxx | B A | Closed | xxxxxx | 2026-05-18 03:18 | 2026-05-21 06:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/21/2026 <br> Resolved-The loan's (8.046%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 201-202 and the Final Closing disclosure on Pg#'s 78, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 225. An interior and exterior appraisal was completed for this property – see pg#'s 21-44, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 281, and confirmation the appraisal was delivered to the borrower – see Pg#'s 58. The loan meets HPML guidelines. - Due Diligence Vendor-05/18/2026 <br> Open- - Due Diligence Vendor-05/21/2026 <br> Open- - Due Diligence Vendor-05/18/2026 |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-05/21/2026 <br> Resolved-The loan's (8.046%) APR equals or exceeds the Federal HPML threshold of (7.8%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.3%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 201-202 and the Final Closing disclosure on Pg#'s 78, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 225. An interior and exterior appraisal was completed for this property – see pg#'s 21-44, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 281, and confirmation the appraisal was delivered to the borrower – see Pg#'s 58. The loan meets HPML guidelines. - Due Diligence Vendor-05/18/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866505 | xxxxxx | D A | Closed | xxxxxx | 2026-05-26 05:30 | 2026-06-01 00:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Fully executed Final CD Provided. - Due Diligence Vendor-06/01/2026 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/01/2026 <br> Ready for Review-Document Uploaded. - Seller-05/29/2026 <br> Open-TRID: Missing Final Closing Disclosure Provide fully executed Final CD - Due Diligence Vendor-05/26/2026 | Ready for Review-Document Uploaded. - Seller-05/29/2026 | Resolved-Fully executed Final CD Provided. - Due Diligence Vendor-06/01/2026 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/01/2026 |  |  | Closing CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866505 | xxxxxx | D A | Closed | xxxxxx | 2026-05-25 23:43 | 2026-05-29 08:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (7.992%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 436 and the Final Closing disclosure on Pg#'s 292-297, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 472. An interior and exterior appraisal was completed for this property – see pg #39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 547, 548 and confirmation the appraisal was delivered to the borrower – see Pg#'s 347. The loan meets HPML guidelines. - Due Diligence Vendor-05/26/2026 <br> Open- - Due Diligence Vendor-05/29/2026 <br> Open- - Due Diligence Vendor-05/26/2026 |  | Resolved-The loan's (7.992%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 436 and the Final Closing disclosure on Pg#'s 292-297, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 472. An interior and exterior appraisal was completed for this property – see pg #39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 547, 548 and confirmation the appraisal was delivered to the borrower – see Pg#'s 347. The loan meets HPML guidelines. - Due Diligence Vendor-05/26/2026 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 866669 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |

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## Exhibit 99.25

**EXHIBIT 99.25**

**selene rating agency grades report**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 857050 | xxxxxx |  | xxxxxx C A B |
| 857415 | xxxxxx |  | xxxxxx C A B |
| 857432 | xxxxxx |  | xxxxxx D A |
| 857679 | xxxxxx |  | xxxxxx C A |
| 858128 | xxxxxx |  | xxxxxx C D A B |
| 858360 | xxxxxx |  | xxxxxx D A |
| 858919 | xxxxxx |  | xxxxxx C A B |
| 859133 | xxxxxx |  | xxxxxx A |
| 859260 | xxxxxx |  | xxxxxx A |
| 859308 | xxxxxx |  | xxxxxx D A |
| 860171 | xxxxxx |  | xxxxxx A D |
| 860183 | xxxxxx |  | xxxxxx A D B |
| 860476 | xxxxxx |  | xxxxxx A |
| 860971 | xxxxxx |  | xxxxxx C A B |
| 860976 | xxxxxx |  | xxxxxx A |
| 861034 | xxxxxx |  | xxxxxx A D |
| 861047 | xxxxxx |  | xxxxxx A D |
| 861052 | xxxxxx |  | xxxxxx A |
| 861053 | xxxxxx |  | xxxxxx B A |
| 861055 | xxxxxx |  | xxxxxx C A B |
| 861056 | xxxxxx |  | xxxxxx C A B |
| 861057 | xxxxxx |  | xxxxxx C B A |
| 861059 | xxxxxx |  | xxxxxx C A B |
| 861060 | xxxxxx |  | xxxxxx A |
| 861061 | xxxxxx |  | xxxxxx D A B |
| 861062 | xxxxxx |  | xxxxxx C A B |
| 861063 | xxxxxx |  | xxxxxx C A B |
| 861064 | xxxxxx |  | xxxxxx D A B |
| 861065 | xxxxxx |  | xxxxxx A |
| 861066 | xxxxxx |  | xxxxxx A |
| 861067 | xxxxxx |  | xxxxxx A |
| 861219 | xxxxxx |  | xxxxxx A C |
| 861382 | xxxxxx |  | xxxxxx D A B |
| 861586 | xxxxxx |  | xxxxxx A |
| 861730 | xxxxxx |  | xxxxxx D A |
| 861796 | xxxxxx |  | xxxxxx D A B |
| 862003 | xxxxxx |  | xxxxxx A |
| 862118 | xxxxxx |  | xxxxxx D A B |
| 862206 | xxxxxx |  | xxxxxx D A B |
| 862312 | xxxxxx |  | xxxxxx C D A |
| 862320 | xxxxxx |  | xxxxxx A |
| 862345 | xxxxxx |  | xxxxxx A |
| 862469 | xxxxxx |  | xxxxxx D A |
| 862711 | xxxxxx |  | xxxxxx D A |
| 862714 | xxxxxx |  | xxxxxx D A |
| 862910 | xxxxxx |  | xxxxxx A |
| 862934 | xxxxxx |  | xxxxxx D A B |
| 862974 | xxxxxx |  | xxxxxx C A B |
| 863010 | xxxxxx |  | xxxxxx A |
| 863408 | xxxxxx |  | xxxxxx C A B |
| 863516 | xxxxxx |  | xxxxxx D A |
| 863519 | xxxxxx |  | xxxxxx A D |
| 863520 | xxxxxx |  | xxxxxx B A |
| 863522 | xxxxxx |  | xxxxxx D A |
| 863524 | xxxxxx |  | xxxxxx D A |
| 863526 | xxxxxx |  | xxxxxx B D A |
| 863532 | xxxxxx |  | xxxxxx C A |
| 863533 | xxxxxx |  | xxxxxx D A |
| 863535 | xxxxxx |  | xxxxxx D A |
| 863659 | xxxxxx |  | xxxxxx A |
| 863709 | xxxxxx |  | xxxxxx A |
| 863752 | xxxxxx |  | xxxxxx C A B |
| 863759 | xxxxxx |  | xxxxxx A |
| 863767 | xxxxxx |  | xxxxxx A |
| 863769 | xxxxxx |  | xxxxxx A |
| 863778 | xxxxxx |  | xxxxxx C A B |
| 863817 | xxxxxx |  | xxxxxx D A |
| 863821 | xxxxxx |  | xxxxxx C A B |
| 863824 | xxxxxx |  | xxxxxx D A |
| 863878 | xxxxxx |  | xxxxxx C B A |
| 863883 | xxxxxx |  | xxxxxx A D |
| 863912 | xxxxxx |  | xxxxxx C D A |
| 863952 | xxxxxx |  | xxxxxx D A |
| 863953 | xxxxxx |  | xxxxxx C A D |
| 863959 | xxxxxx |  | xxxxxx A C |
| 863960 | xxxxxx |  | xxxxxx A |
| 863962 | xxxxxx |  | xxxxxx C A B |
| 863963 | xxxxxx |  | xxxxxx D A |
| 863964 | xxxxxx |  | xxxxxx C A |
| 863965 | xxxxxx |  | xxxxxx C A |
| 863966 | xxxxxx |  | xxxxxx D A B |
| 863967 | xxxxxx |  | xxxxxx C A B |
| 863968 | xxxxxx |  | xxxxxx B A |
| 863973 | xxxxxx |  | xxxxxx D A |
| 863974 | xxxxxx |  | xxxxxx D A |
| 864050 | xxxxxx |  | xxxxxx C A B |
| 864059 | xxxxxx |  | xxxxxx A D |
| 864108 | xxxxxx |  | xxxxxx C A |
| 864129 | xxxxxx |  | xxxxxx C A B |
| 864171 | xxxxxx |  | xxxxxx D A B |
| 864249 | xxxxxx |  | xxxxxx A |
| 864275 | xxxxxx |  | xxxxxx A D |
| 864376 | xxxxxx |  | xxxxxx C A |
| 864415 | xxxxxx |  | xxxxxx A |
| 864418 | xxxxxx |  | xxxxxx A |
| 864419 | xxxxxx |  | xxxxxx A |
| 864434 | xxxxxx |  | xxxxxx A |
| 864461 | xxxxxx |  | xxxxxx C A |
| 864493 | xxxxxx |  | xxxxxx D A B |
| 864510 | xxxxxx |  | xxxxxx D A |
| 864518 | xxxxxx |  | xxxxxx C D A |
| 864519 | xxxxxx |  | xxxxxx B D A |
| 864520 | xxxxxx |  | xxxxxx D A |
| 864521 | xxxxxx |  | xxxxxx A |
| 864522 | xxxxxx |  | xxxxxx B C A |
| 864523 | xxxxxx |  | xxxxxx A C |
| 864524 | xxxxxx |  | xxxxxx D A |
| 864526 | xxxxxx |  | xxxxxx A |
| 864528 | xxxxxx |  | xxxxxx D A |
| 864530 | xxxxxx |  | xxxxxx A |
| 864531 | xxxxxx |  | xxxxxx A |
| 864532 | xxxxxx |  | xxxxxx D A |
| 864533 | xxxxxx |  | xxxxxx A |
| 864534 | xxxxxx |  | xxxxxx A |
| 864535 | xxxxxx |  | xxxxxx D A B |
| 864619 | xxxxxx |  | xxxxxx D C A B |
| 864627 | xxxxxx |  | xxxxxx D A |
| 864659 | xxxxxx |  | xxxxxx A D |
| 864695 | xxxxxx |  | xxxxxx C A |
| 864700 | xxxxxx |  | xxxxxx A |
| 864707 | xxxxxx |  | xxxxxx A D |
| 864739 | xxxxxx |  | xxxxxx A D |
| 865229 | xxxxxx |  | xxxxxx B D A |
| 865230 | xxxxxx |  | xxxxxx C D A |
| 865231 | xxxxxx |  | xxxxxx D A |
| 865232 | xxxxxx |  | xxxxxx A D |
| 865233 | xxxxxx |  | xxxxxx C D A |
| 865234 | xxxxxx |  | xxxxxx B D A |
| 865236 | xxxxxx |  | xxxxxx D A |
| 865238 | xxxxxx |  | xxxxxx D C A |
| 865293 | xxxxxx |  | xxxxxx C A |
| 865300 | xxxxxx |  | xxxxxx C D A |
| 865304 | xxxxxx |  | xxxxxx D A |
| 865321 | xxxxxx |  | xxxxxx D A |
| 865365 | xxxxxx |  | xxxxxx D A |
| 865702 | xxxxxx |  | xxxxxx D A |
| 865730 | xxxxxx |  | xxxxxx D A |
| 865995 | xxxxxx |  | xxxxxx C A |
| 866075 | xxxxxx |  | xxxxxx C A |
| 866158 | xxxxxx |  | xxxxxx C A B |
| 866242 | xxxxxx |  | xxxxxx A |
| 866245 | xxxxxx |  | xxxxxx A |
| 866246 | xxxxxx |  | xxxxxx A |
| 866305 | xxxxxx |  | xxxxxx A D |
| 866472 | xxxxxx |  | xxxxxx D A |
| 866479 | xxxxxx |  | xxxxxx A |
| 866483 | xxxxxx |  | xxxxxx C A B |
| 866486 | xxxxxx |  | xxxxxx D A B |
| 866487 | xxxxxx |  | xxxxxx A |
| 866488 | xxxxxx |  | xxxxxx A |
| 866490 | xxxxxx |  | xxxxxx A |
| 866492 | xxxxxx |  | xxxxxx C D A B |
| 866494 | xxxxxx |  | xxxxxx B A D |
| 866498 | xxxxxx |  | xxxxxx A |
| 866501 | xxxxxx |  | xxxxxx D A |
| 866503 | xxxxxx |  | xxxxxx B A |
| 866505 | xxxxxx |  | xxxxxx A D |
| 866669 | xxxxxx |  | xxxxxx A |

---

## Exhibit 99.26

**EXHIBIT 99.26**

**selene data compare report**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 857415 | xxxxxx |  | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Verified first payment per Note as xxxxxx |
| 857415 | xxxxxx |  | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Verified Maturity date per Note as xxxxxx. |
| 857415 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Updated to xxxxxx. Rate Lock date is xxxxxx page 484. |
| 857432 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Primary Appraised Property Value is $xxxxxx confirmed from appraisal report. |
| 857679 | xxxxxx |  | xxxxxx | Prepayment Penalty Total Term | notePage | 0 | NA | Values Match |
| 857679 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR 1099 | 1099 12 months | Values Match |
| 858128 | xxxxxx |  | xxxxxx | Initial Monthly P&I Or IO Payment | notePage | xxxxxx | xxxxxx | Confirmed Initial Monthly P&I Or IO Payment is $xxxxxx per Note. |
| 858128 | xxxxxx |  | xxxxxx | Interest Rate | notePage | 7.75 | 0.0475 | Interest Rate is 7.750% |
| 858128 | xxxxxx |  | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Maturity Date is xxxxxx |
| 858128 | xxxxxx |  | xxxxxx | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | QM: Safe Harbor (SH) | Originator QM Status is ATR/QM: Exempt |
| 858128 | xxxxxx |  | xxxxxx | Qualifying Loan Amount | propertyValuationPage | xxxxxx | xxxxxx | Qualifying Loan Amount is $xxxxxx |
| 858128 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.351 | Y | Calculated DSCR is 0.432, and matches with Diligence Final Look<br>|
| 858360 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 707 | 607 | Qualifying FICO updated as lowest mid score |
| 858360 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note Date is xxxxxx, confirmed from note document. |
| 858919 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Two to Four Unit verified by Appraisal |
| 859260 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property type is 3 units per Appraisal. |
| 859308 | xxxxxx |  | xxxxxx | Prepayment Penalty Calculation | notePage | 5%, 5% | 0 | Prepayment Penalty updated per note document. |
| 859308 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note Date is xxxxxx updated per note document. |
| 859308 | xxxxxx |  | xxxxxx | Number of Mortgaged Properties | creditLiabilitiesPage | 4 | 1 | Number of Mortgaged Properties updated per credit report. |
| 859308 | xxxxxx |  | xxxxxx | Liquid Funds Post-Close | assetPage | 487572.44 | 0.00 | Liquid Funds Post-Close updated per cash to close amount. |
| 859308 | xxxxxx |  | xxxxxx | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | 12391 | NA | Reviewed Total Monthly Liabilities updated per credit report. |
| 860183 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Underwriting Guideline Version Date selected as 02/02/2026, Rate Lock date is xxxxxx |
| 860183 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 33.83 | 32.87 | Loan Approval and 1008 reflects HTI as 33.843% and Flood Insurance is not paid by the borrower. Master Policy covers flood Insurance. |
| 860183 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.06 | 33.11 | Loan Approval and 1008 reflects DTI as 34.076% and Flood Insurance is not paid by the borrower. Master Policy covers flood Insurance. |
| 860476 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | Doctype updated per loan program & documentation. |
| 860476 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | xxxxxx | xxxxxx | Qualifying Total Housing expenses PITIA is matching with 1008 Tape data not included HOA amount. |
| 860971 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | verified appraisal report property type is 2 unit |
| 860971 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.88 | 1.807 | Gross Rental Amount $5,200/ $xxxxxx PITIA = 1.88 DSCR<br> Loan approval on page 292 reflects DSCR at 1.88<br> Lease page number 269 and 278 |
| 861055 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Verified Property Type as Attached PUD, Updated to Townhome per Appraisal. |
| 861056 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified Property Type as Two to Four Unit per Appraisal |
| 861059 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.328 | 1.307 | The calculation validating the correct DSCR is as follows: Rent of $5750/ PITIA of $xxxxxx= 1.328 DSCR, Loan Approval and DSCR Worksheet page 374 reflect DSCR 1.326. |
| 861061 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Verified per appraisal that the subject property is a Townhouse being a part of a PUD. |
| 861062 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Updated as reflected on Appraisal- Townhome Semi-End Unit. |
| 861062 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Updated as reflected on Initial 1003. |
| 861064 | xxxxxx |  | xxxxxx | Qualifying CLTV | propertyValuationPage | 75 | 100.86 | Verified that the loan is 75% LTV and was approved and locked at 75% Ltv. |
| 861064 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified per appraisal subject property is 2 units. |
| 861382 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified from appraisal, property type is two unit. |
| 861730 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Updated as per Final Note and verified from all closing documents |
| 861730 | xxxxxx |  | xxxxxx | Prepayment Penalty Type | notePage | Hard | 2 | Prepayment Penalty type if Hard |
| 861730 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | Loan is Investment DSCR loan |
| 861796 | xxxxxx |  | xxxxxx | Originator Doc Type | employmentIncomePage | 1YR 1099 | ALT DOC |  |
| 861796 | xxxxxx |  | xxxxxx | Prepayment Penalty Flag | notePage | N | No |  |
| 862206 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Appraisal reflects property type as three unit property with 2 bldgs. Exception page 275.  |
| 862469 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Borrower qualifying with Wage income hence self employed updated as no |
| 862469 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, Updated from note and verified from all closing documents |
| 862469 | xxxxxx |  | xxxxxx | Interest Rate | notePage | 6.375 | 637.5000 | True data is correct, Updated from note and verified from all closing documents |
| 862469 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.43 | 34.93 | Confirmed DTI of 35.43. Meets GL. |
| 862711 | xxxxxx |  | xxxxxx | Loan Type | the1008Page | DSCR | Conventional | True data is correct, loan is DSCR verified from all closing docs. |
| 862711 | xxxxxx |  | xxxxxx | Borrower 2 Ethnicity Visual Observation or Surname | 1003OcrPage | false | true | True data is correct, verified from final 1003 page # 842. |
| 862711 | xxxxxx |  | xxxxxx | Borrower 1 Ethnicity Visual Observation or Surname | 1003OcrPage | xxxxxx | xxxxxx | True data is correct, verified from final 1003 page # 834. |
| 862711 | xxxxxx |  | xxxxxx | Balance of Other Lien | titlePage | 0 | xxxxxx | True data is correct, subject lien position is 1, hence amount of other lien updated as $0. |
| 862711 | xxxxxx |  | xxxxxx | Proposed Real Estate Taxes | the1008Page | 239.75 | 2570.24 | True data is correct, verified from 1008 document on page # 844. |
| 862711 | xxxxxx |  | xxxxxx | Proposed HOA | the1008Page | 129 | 2570.24 | True data is correct, verified from 1008 document on page # 844. |
| 862711 | xxxxxx |  | xxxxxx | Proposed Hazard Insurance | the1008Page | 129 | 2570.24 | True data is correct, verified from 1008 document on page # 844. |
| 862711 | xxxxxx |  | xxxxxx | Proposed Mortgage Insurance | the1008Page | 0 | 2570.24 | True data is correct, verified from 1008 document on page # 844. |
| 862711 | xxxxxx |  | xxxxxx | Proposed Other | the1008Page | 0 | 2570.24 | True data is correct, verified from 1008 document on page # 844. |
| 862711 | xxxxxx |  | xxxxxx | Proposed Housing Expense | the1008Page | xxxxxx | xxxxxx | True data is correct, verified from 1008 document on page # 844. |
| 862711 | xxxxxx |  | xxxxxx | All Other Payments | creditLiabilitiesPage | 22049 | 0 | True data is correct, liabilities are updated from credit report. |
| 862711 | xxxxxx |  | xxxxxx | Proposed Other Financing P&I | the1008Page | xxxxxx | xxxxxx | True data is correct, verified from 1008 document on page # 844. |
| 862711 | xxxxxx |  | xxxxxx | Proposed First Mortgage P&I | the1008Page | xxxxxx | xxxxxx | True data is correct, verified from 1008 document on page # 844. |
| 862714 | xxxxxx |  | xxxxxx | Property Value | propertyValuationPage | xxxxxx | xxxxxx | True data is correct, verified from appraisal report page #16 |
| 862714 | xxxxxx |  | xxxxxx | Borrower 1 Ethnicity Visual Observation or Surname | 1003OcrPage | xxxxxx | xxxxxx | Verified via Final 1003 in loan file |
| 862714 | xxxxxx |  | xxxxxx | Borrower 1 Years in Current Home | 1003OcrPage | 37 | 84 | format issue - tape data in months - true data not valid |
| 862714 | xxxxxx |  | xxxxxx | Proposed HOA | the1008Page | 230 | 4892.74 | True data is correct, verified from 1008 doc on page # 783. |
| 862714 | xxxxxx |  | xxxxxx | Proposed Hazard Insurance | the1008Page | 203 | 4892.74 | True data is correct, verified from 1008 doc on page # 783. |
| 862714 | xxxxxx |  | xxxxxx | Balance of Other Lien | titlePage | 0 | xxxxxx | True data is correct, subject lien position is 1, hence amount of other lien updated as $0. |
| 862714 | xxxxxx |  | xxxxxx | Proposed Real Estate Taxes | the1008Page | 618.58 | 4892.74 | True data is correct, verified from 1008 doc on page # 783. |
| 862714 | xxxxxx |  | xxxxxx | Proposed Other Financing P&I | the1008Page | xxxxxx | xxxxxx | True data is correct, verified from 1008 doc on page # 783. |
| 862714 | xxxxxx |  | xxxxxx | Proposed Mortgage Insurance | the1008Page | 0 | 4892.74 | True data is correct, verified from 1008 doc on page # 783. |
| 862714 | xxxxxx |  | xxxxxx | Proposed Housing Expense | the1008Page | xxxxxx | xxxxxx | True data is correct, verified from 1008 doc on page # 783. |
| 862714 | xxxxxx |  | xxxxxx | Proposed First Mortgage P&I | the1008Page | xxxxxx | xxxxxx | True data is correct, verified from 1008 doc on page # 783. |
| 862714 | xxxxxx |  | xxxxxx | Proposed Other | the1008Page | 0 | 4892.74 | True data is correct, verified from 1008 doc on page # 783. |
| 862714 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Credit report used for application date as initial 1003 is not in file. |
| 862910 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.7 | 41.68 | DTI is rounding, difference is $2 in all other monthly payments. $27.00 on credit report vs 25.00. |
| 863010 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Borrower is not self-employed as per final 1003 |
| 863010 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Interest rate updated as per Note document |
| 863010 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | 1YR Full Doc |  |
| 863010 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | xxxxxx | xxxxxx | HOA fee not included in tape data |
| 863520 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified per the appraisal subject property is a two (2) unit detached home. |
| 863526 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Property Type updated as per appraisal docs page 47 |
| 863533 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Property is a PUD semi detached. Property type has been updated as a Townhouse. |
| 863709 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | As per guide line PUD attached and Semi Detached/End unit both needs to be updated as Town House. |
| 863817 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 741 | 734 | FICO score considered low mid score |
| 863817 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application date updated per 1003 |
| 863912 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 38.25 | 38.14 | HTI variance is due the HOA Fee. 1008 reflects HOA Fee iao $52; however, the Appraisal reflects $1075/year or $89.58 /month. |
| 863912 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.72 | 49.60 | DTI variance is due the HOA Fee. 1008 reflects HOA Fee iao $52; however, the Appraisal reflects $1075/year or $89.58 /month. |
| 864059 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | 1003 provided is dated xxxxxx and print date at bottom shows xxxxxx |
| 864108 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | 12 month bank statement used for Income qualification purpose. |
| 864129 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Confirmed property type is Two to Four Unit on appraisal. |
| 864171 | xxxxxx |  | xxxxxx | Prepayment Penalty Total Term | notePage | 0 | 12 |  |
| 864171 | xxxxxx |  | xxxxxx | Prepayment Penalty Type | notePage | N/A | Hard |  |
| 864171 | xxxxxx |  | xxxxxx | Prepayment Penalty Flag | notePage | N | Y |  |
| 864171 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | Loan is Investment DSCR loan |
| 864275 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Underwriting Guideline Version Date updated per guidelines used. |
| 864418 | xxxxxx |  | xxxxxx | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | QM: Safe Harbor (SH) | Occupancy is Investment, Originator QM Status needs to be ATR/QM: Exempt |
| 864418 | xxxxxx |  | xxxxxx | Primary Appraised Property Value | propertyValuationPage | xxxxxx | xxxxxx | Primary Appraised Property Value $xxxxxx updated as per the Appraisal Report |
| 864418 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | supplementalDataEntryPage | false | N | Borrower 1 is not a FTHB, True and Tape data is correct, Formatting Issue |
| 864419 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 24.03 | 24.78 | 1008 reflects 24.776%; however all other other payment decreased $210 as per updated Gap Credit Report. |
| 864461 | xxxxxx |  | xxxxxx | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | QM: Safe Harbor (SH) | Occupancy is Investment, Originator QM Status needs to be ATR/QM: Exempt |
| 864461 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.885 | Y | The calculation validating the correct DSCR is as follows: Rents of $1,400 / PITIA of $xxxxxx = 0.88 DSCR |
| 864493 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0.833 | Y | The calculation validating the correct DSCR is as follows: Rents of $1400 / PITIA of $xxxxxx = 0.83 DSCR |
| 864522 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified property type is two to four unit with appraisal report |
| 864524 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | As per lock confirmation documents lock date is xxxxxx hence In dropdown selected xxxxxx underwriting guideline version Date before nearest date. |
| 864530 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type updated as per appraisal 2 units. |
| 864533 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.41 | 34.42 | Loan Approval reflects 34.415% |
| 864619 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note doc. |
| 864619 | xxxxxx |  | xxxxxx | Interest Rate | notePage | 7.5 | 750.0000 | True data is correct, verified from Note doc. |
| 864619 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for qualification and hence doc type updated the same. |
| 864619 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.13 | 32.01 |  |
| 864627 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Updated as per Note document |
| 864659 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date as per Note document is xxxxxx but Tape data showing 00=xxxxxx. consider as per the doc. |
| 864695 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified note date as xxxxxx from Note doc on page#806 |
| 864695 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 24 Month Bank Statement | ALT DOC | Borrowers used 24 month bank statement to qualify for the income |
| 864695 | xxxxxx |  | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | Non Agency NQM | Loan program type selected from drop down as xxxxxx as per loan approval  |
| 864739 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Borrower is WAGE earner self-employment flag should be No. |
| 864739 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date as per Note document is xxxxxx but Tape data showing xxxxxx. consider as per the doc. |
| 865231 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Guideline version 04/08/2026 is not available |
| 865233 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | . |
| 865236 | xxxxxx |  | xxxxxx | Qualifying CLTV | propertyValuationPage | 52.47 | 52.48 | Audited CLTV reflects 52.47%. Loan Approval reflects 52.478% |
| 865236 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 18.53 | 18.52 | Audited HTI is 18.53%. Loan Approval reflects 18.524% |
| 865238 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Full Doc | Full Doc 24 months | Updated CTC/Loan Approval in Findings. Full Doc 12 months is indicated. |
| 865293 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True date is correct updated as per appraisal and 1008 |
| 865293 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| 865293 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | xxxxxx | xxxxxx | True data is correct, tape data was not included HOA amount of whereas true data shows PITIA. |
| 865293 | xxxxxx |  | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | Non Agency NQM | Loan program verified from loan approval and updated as xxxxxx |
| 865300 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 799 | 772 | Per GL 02.20.2026 page #35, the borrower 2 with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score. As only B2 income is used for qualification, B2 FICO of 799 should be used. However, this FICO difference doesn't impact any GL limits, rescinded the finding. |
| 865300 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True date is correct , Updated as per appraisal and 1008 |
| 865300 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | B1 income is not used for qualification hence updated as no |
| 865300 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, Updated from note and verified from all closing documents |
| 865300 | xxxxxx |  | xxxxxx | Interest Rate | notePage | 6.625 | 662.5000 | True data is correct, Updated from note and verified from all closing documents |
| 865300 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| 865300 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | xxxxxx | xxxxxx | True data is correct, tape data was not included HOA amount of whereas true data shows PITIA. |
| 865300 | xxxxxx |  | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | xxxxxx | Non Agency NQM | Loan program verified from loan approval and updated as xxxxxx |
| 865702 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.63 | 34.90 | DTI variance is due the First Mortgage P&I on 1008 reflecting $xxxxxx; however, Initial P&I is $xxxxxx and Fully Amort Payment is $xxxxxxUpdated 1008 and 1003 received. |
| 865702 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 33.39 | 29.66 | HTI variance is due the First Mortgage P&I on 1008 reflecting $xxxxxx; however, Initial P&I is $xxxxxx and Fully Amort Payment is $xxxxxx Updated 1008 and 1003 received. |
| 865730 | xxxxxx |  | xxxxxx | Borrower 1 FTHB | supplementalDataEntryPage | true | N | Borrower is FTHB |
| 865730 | xxxxxx |  | xxxxxx | Seller Loan ID | overrideTrueData | xxxxxx | xxxxxx |  |
| 866158 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 650 | 641 | Verified From Credit Report and as per guideline need to select Primary wage earner mid score, Hence updated as same . |
| 866158 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Verified from Note Documents Note date is xxxxxx hence updated Same. |
| 866158 | xxxxxx |  | xxxxxx | Seller Loan ID | overrideTrueData | xxxxxx | xxxxxx |  |
| 866483 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Property Type updated per appraisal page 31 |
| 866505 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.46 | 26.04 | DTi variance is due to the increase of monthly payment for accts ending - xxxxxx and - xxxxxx from $0 on each acct to $35 each acct. $70 monthly increase |
| 866505 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Lock date is xxxxxx. Updated to xxxxxx |

---

## Exhibit 99.27

**EXHIBIT 99.27**

**selene atr qm detail**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 857050 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9300.04 | Yes | Employed |  | No |  | No |  |
| 857415 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 857432 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 857679 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3423.56 | Yes | Employed | Not Employed | No | No | No |  |
| 858128 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 858360 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 858919 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859133 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859260 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 859308 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 860171 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3457.29 | Yes | Employed | Not Employed | No | No | No |  |
| 860183 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7643.08 | Yes | Employed |  | No |  | No |  |
| 860476 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 860971 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 860976 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861034 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7163.99 | Yes | Employed |  | No |  | No |  |
| 861047 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 93983.41 | Yes | Employed |  | No |  | No |  |
| 861052 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861053 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 861055 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 861056 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861057 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 861059 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861060 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861061 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861062 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861063 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861064 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861065 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861066 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | Yes | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 861067 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861219 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861382 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861586 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861730 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 861796 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11165.92 | Yes | Employed |  | No |  | No |  |
| 862003 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 862118 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862206 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 862312 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 56620.54 | Yes | Employed |  | No |  | No |  |
| 862320 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4862.85 | Yes | Employed |  | No |  | No |  |
| 862345 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 862469 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9013.1 | Yes | Employed |  | No |  | No |  |
| 862711 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 862714 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 862910 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5887.75 | Yes | Employed | Not Employed | No | No | No |  |
| 862934 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 862974 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 863010 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38594.5 | Yes | Employed | Employed | No | No | No |  |
| 863408 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 863516 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4794.75 | Yes | Employed |  | No |  | No |  |
| 863519 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | Yes | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13519.76 | Yes | Employed |  | No |  | No |  |
| 863520 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3812.37 | Yes | Employed |  | No |  | No |  |
| 863522 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8316.8 | Yes | Employed | Not Employed | No | No | No |  |
| 863524 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8558.62 | Yes | Not Employed |  | No |  | No |  |
| 863526 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2371.3 | No | Employed |  | No |  | No |  |
| 863532 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5959.68 | Yes | Employed |  | No |  | No |  |
| 863533 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4794.41 | Yes | Employed |  | No |  | No |  |
| 863535 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12144.04 | Yes | Employed |  | No |  | No |  |
| 863659 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 301388.69 | N/A | Employed |  | No |  | Yes | Present |
| 863709 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863752 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863759 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5921.58 | Yes | Employed |  | No |  | No |  |
| 863767 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 57491.76 | N/A | Employed |  | No |  | Yes | Present |
| 863769 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7452.99 | Yes | Employed |  | No |  | No |  |
| 863778 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 863817 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 863821 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 863824 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10434.07 | Yes | Employed |  | No |  | No |  |
| 863878 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863883 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863912 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16073.4 | Yes | Employed |  | No |  | No |  |
| 863952 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 87819.49 | Yes | Employed |  | No |  | No |  |
| 863953 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26286.78 | Yes | Employed |  | No |  | No |  |
| 863959 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 863960 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863962 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 863963 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 863964 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863965 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 863966 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 863967 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 863968 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 863973 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 863974 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864050 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864059 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10979.41 | Yes | Employed | Not Employed | No | No | No |  |
| 864108 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37538.62 | Yes | Employed |  | No |  | No |  |
| 864129 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 864171 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864249 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864275 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5757.33 | Yes | Employed |  | No |  | No |  |
| 864376 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 101383.09 | Yes | Employed | Employed | No | No | No |  |
| 864415 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 73104.44 | Yes | Employed | Not Employed | No | No | No |  |
| 864418 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 864419 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21389.98 | Yes | Employed |  | No |  | No |  |
| 864434 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18393.52 | Yes | Not Employed | Not Employed | No | No | No |  |
| 864461 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864493 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 864510 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19725.44 | Yes | Employed |  | No |  | No |  |
| 864518 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32333.95 | Yes | Employed |  | No |  | No |  |
| 864519 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7560.73 | Yes | Employed |  | No |  | No |  |
| 864520 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3719.48 | Yes | Employed |  | No |  | No |  |
| 864521 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2663.04 | Yes | Employed |  | No |  | No |  |
| 864522 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22175.39 | Yes | Employed |  | No |  | No |  |
| 864523 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8726.33 | Yes | Employed | Not Employed | No | No | No |  |
| 864524 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8222.32 | Yes | Employed |  | No |  | No |  |
| 864526 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19311.12 | Yes | Employed |  | No |  | No |  |
| 864528 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11638.62 | Yes | Employed | Not Employed | No | No | No |  |
| 864530 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3297.21 | Yes | Employed |  | No |  | No |  |
| 864531 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13935.06 | Yes | Employed | Employed | No | No | No |  |
| 864532 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12082.36 | Yes | Employed |  | No |  | No |  |
| 864533 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6575.04 | Yes | Employed |  | No |  | No |  |
| 864534 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4586.8 | Yes | Employed |  | No |  | No |  |
| 864535 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17011.64 | Yes | Employed | Not Employed | No | No | No |  |
| 864619 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11275.49 | Yes | Employed |  | No |  | No |  |
| 864627 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 411972.93 | Yes | Employed |  | No |  | No |  |
| 864659 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 81386.85 | Yes | Employed |  | No |  | No |  |
| 864695 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29452.54 | Yes | Employed |  | No |  | No |  |
| 864700 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46358.73 | Yes | Employed | Not Employed | No | No | No |  |
| 864707 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15975.51 | Yes | Employed |  | No |  | No |  |
| 864739 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7093.61 | Yes | Employed | Not Employed | No | No | No |  |
| 865229 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25268.99 | Yes | Employed |  | No |  | No |  |
| 865230 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36736.82 | Yes | Employed |  | No |  | No |  |
| 865231 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19984.58 | Yes | Employed |  | No |  | No |  |
| 865232 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4947.3 | Yes | Employed |  | No |  | No |  |
| 865233 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17240.5 | Yes | Employed | Not Employed | No | No | No |  |
| 865234 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5757.25 | Yes | Employed | Employed | No | No | No |  |
| 865236 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11148.99 | Yes | Employed |  | No |  | No |  |
| 865238 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3304.91 | Yes | Employed |  | No |  | No |  |
| 865293 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 109133.33 | Yes | Employed | Not Employed | No | No | No |  |
| 865300 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41361 | Yes | Not Employed | Employed | No | No | No |  |
| 865304 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 865321 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 865365 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 865702 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | Yes | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24478.98 | Yes | Employed |  | No |  | No |  |
| 865730 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6712.59 | Yes | Employed |  | No |  | No |  |
| 865995 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 87571.31 | N/A | Employed |  | No | No | Yes | Present |
| 866075 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13512.42 | Yes | Employed |  | No |  | No |  |
| 866158 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4601.96 | Yes | Employed |  | No |  | No |  |
| 866242 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3408.31 | Yes | Employed | Retired | No | No | No |  |
| 866245 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33589.08 | Yes | Employed |  | No |  | No |  |
| 866246 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12126.28 | Yes | Employed |  | No |  | No |  |
| 866305 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 107868.69 | Yes | Employed |  | No |  | No |  |
| 866472 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4088.35 | Yes | Employed | Employed | No | No | No |  |
| 866479 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32865 | Yes | Employed |  | No |  | No |  |
| 866483 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6912.73 | N/A | Employed |  | No |  | Yes | Present |
| 866486 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4562.02 | Yes | Employed | Employed | No | No | No |  |
| 866487 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4729.52 | Yes | Employed |  | No |  | No |  |
| 866488 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4192.61 | Yes | Employed | Employed | No | No | No |  |
| 866490 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7226.58 | Yes | Employed |  | No |  | No |  |
| 866492 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2167.76 | Yes | Employed |  | No |  | No |  |
| 866494 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5667.86 | Yes | Employed | Employed | No | No | No |  |
| 866498 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7628.29 | Yes | Employed |  | No |  | No |  |
| 866501 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5729.58 | Yes | Employed |  | No |  | No |  |
| 866503 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2403.96 | Yes | Employed |  | No |  | No |  |
| 866505 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12242.01 | Yes | Employed |  | No |  | No |  |
| 866669 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3911.65 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.28

**EXHIBIT 99.28**

**selene VALUATIONs REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **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** |
| 857050 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.43 | 69.43 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-20-2025 |
| 857415 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.73 | 72.73 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-07-2026 |
| 857432 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-06-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-12-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-25-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 857679 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 28.3 | 28.3 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-15-2025 |
| 858128 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.67 | 66.67 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-07-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858360 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx |  | Multi Property Report |  |  |  | xxxxxx | 70 | 70 | xxxxxx | 0.0 | .0000 | Multi Property Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858919 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 12-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859133 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-28-2026 |
| 859260 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-29-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 31.68 | 31.68 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 859308 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 12-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 01-09-2026 |
| 860171 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.35 | 65.35 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860183 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-15-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 |
| 860476 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-10-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-30-2026 |
| 860971 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-14-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 39.06 | 39.06 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 860976 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 |
| 861034 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 |
| 861047 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-14-2026 |
| 861052 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-05-2026 |
| 861053 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 02-02-2026 |
| 861055 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-20-2026 |
| 861056 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-29-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.39 | 48.39 | xxxxxx | xxxxxx | -.0115 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0115 | xxxxxx | LOW RISK | 02-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861057 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 39.58 | 39.58 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861059 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 57.69 | 57.69 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861060 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 46.67 | 46.67 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-11-2026 |
| 861061 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-10-2026 |
| 861062 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-23-2026 |
| 861063 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 |
| 861064 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-05-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | LowRisk | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861065 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.53 | 67.53 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 |
| 861066 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-16-2026 |
| 861067 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-25-2026 |
| 861219 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.12 | 69.12 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 02-26-2026 |
| 861382 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-19-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861586 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-27-2026 |
| 861730 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-03-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 50.0 | 50.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861796 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 12-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx |  | 12-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 |
| 862003 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-03-2026 |
| 862118 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-12-2026 |
| 862206 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-10-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 59.43 | 59.43 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-10-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862312 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.62 | 77.62 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-24-2026 |
| 862320 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0200 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0200 | xxxxxx | Low Risk | 03-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862345 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2026 |
| 862469 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 03-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-16-2026 |
| 862711 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 02-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862714 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.02 | 66.02 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | MODERATE RISK | 02-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 862910 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2026 |
| 862934 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.73 | 73.73 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-16-2026 |
| 862974 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 56.54 | 56.54 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863010 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-23-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863408 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-18-2026 |
| 863516 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-09-2026 |
| 863519 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 44.78 | 44.78 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 03-30-2026 |
| 863520 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-27-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863522 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 64.52 | 64.52 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 03-04-2026 |
| 863524 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863526 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 66.78 | 66.78 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-09-2026 |
| 863532 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 10-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2026 |
| 863533 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863535 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863659 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-20-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 04-20-2026 |
| 863709 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2026 |
| 863752 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-24-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 03-27-2026 |
| 863759 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-03-2026 |
| 863767 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-09-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 03-13-2026 |
| 863769 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-19-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.64 | 72.64 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 03-28-2026 |
| 863778 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-19-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863817 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-06-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-13-2026 |
| 863821 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 10-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.35 | 65.35 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-26-2026 |
| 863824 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863878 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.98 | 65.98 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-30-2026 |
| 863883 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-13-2026 |
| 863912 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.63 | 72.63 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-26-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863952 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863953 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-16-2026 Eligible |  |  |
| 863959 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 69.06 | 69.06 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-13-2026 |
| 863960 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0179 | 01-20-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 863962 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-19-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-04-2026 |
| 863963 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-13-2026 |
| 863964 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 03-17-2026 |
| 863965 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-11-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 26.28 | 26.28 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-02-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-12-2026 |
| 863966 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-14-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863967 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-11-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 02-26-2026 |
| 863968 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 02-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 863973 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0028 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0028 | 03-13-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-17-2026 |
| 863974 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-12-2026 |
| 864050 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-15-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-20-2026 |
| 864059 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 03-05-2026 |
| 864108 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-13-2026 |
| 864129 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-26-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864171 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 11-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.48 | 48.48 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 11-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864249 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2026 |
| 864275 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-21-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxxxxx | xxxxxx | .0247 | 04-17-2026 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864376 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | xxxxxx | -.0503 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0503 | xxxxxx | Moderate Risk | 04-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864415 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-27-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 03-31-2026 |
| 864418 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.63 | 72.63 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864419 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.0 | 65.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-13-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864434 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-01-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 04-10-2026 |
| 864461 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864493 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.0 | 70.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-01-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864510 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-23-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-24-2026 |
| 864518 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 03-27-2026 |
| 864519 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-17-2026 |
| 864520 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864521 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0161 | 04-03-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864522 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 02-13-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 03-30-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864523 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-03-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 04-03-2026 |
| 864524 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 78.4 | 78.4 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-10-2026 |
| 864526 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-31-2026 |
| 864528 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-06-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-11-2026 |
| 864530 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-21-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864531 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-26-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 04-02-2026 |
| 864532 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.99 | 74.99 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 03-25-2026 |
| 864533 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-25-2026 |
| 864534 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-12-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-31-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-14-2026 |
| 864535 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-01-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-06-2026 |
| 864619 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 11-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 90.0 | 90.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-22-2025 |
| 864627 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-09-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 |  |  |  |  | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 05-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864659 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 04-17-2026 Eligible |  |  |
| 864695 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-21-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 864700 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-25-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 77.56 | 77.56 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | xxxxxx | xxxxxx | -.0105 | 05-12-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-01-2026 |
| 864707 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.49 | 49.49 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-05-2026 |
| 864739 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 01-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.0 | 74.0 | xxxxxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-26-2026 Eligible |  |  |
| 865229 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.02 | 74.02 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-17-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865230 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-28-2026 |
| 865231 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-30-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-16-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865232 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-29-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0232 | 04-08-2026 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865233 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-03-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.0 | 60.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-03-2026 |
| 865234 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-09-2026 |
| 865236 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 48.0 | 52.47 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 05-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865238 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 43.92 | 43.92 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-15-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865293 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-28-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-03-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-20-2026 |
| 865300 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2026 |
| 865304 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-01-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 39.26 | 39.26 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-27-2026 |
| 865321 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-05-2026 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 49.44 | 49.44 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 04-02-2026 |
| 865365 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-31-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.31 | 55.31 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-09-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865702 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-23-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 35.14 | 35.14 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 05-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865730 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-27-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 865995 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-28-2026 Eligible | 1 | 04-28-2026 |
| 866075 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-04-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-08-2026 |
| 866158 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 02-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 73.54 | 73.54 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 04-27-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866242 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-07-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 43.14 | 43.14 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-16-2026 |
| 866245 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-17-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2026 |
| 866246 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-10-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 04-13-2026 |
| 866305 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 67.42 | 67.42 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-08-2026 |
| 866472 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-10-2026 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 05-04-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-22-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866479 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-20-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 05-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866483 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-24-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-01-2026 |
| 866486 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-20-2026 |
| 866487 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-18-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.59 | 74.59 | xxxxxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 04-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 866488 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-03-2026 |
| 866490 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-08-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-08-2026 |
| 866492 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 72.19 | 72.19 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-29-2026 |
| 866494 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-22-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-28-2026 |
| 866498 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-16-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 54.25 | 54.25 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-28-2026 |
| 866501 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 85.0 | 85.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-15-2026 |
| 866503 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-13-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.0 | 75.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-14-2026 |
| 866505 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 03-14-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.0 | 80.0 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 03-19-2026 |
| 866669 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 04-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.9 | 58.9 | xxxxxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 04-06-2026 |

---

## Exhibit 99.29

**EXHIBIT 99.29**

**SELENE MULTI PROPERTY Valuation Report**

**Rating Agency Multi-Property Valuation Report v9.25**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Property 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** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Completion Report (1004D) Date** |
| 858360 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.00 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858360 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 12-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.00 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate Risk | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858360 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.00 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858360 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 01-02-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.00 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-08-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858360 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 01-05-2026 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.00 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858360 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | 12-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.00 | xxxxxx | 0.0 | .0000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low Risk | 01-05-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---